Mr. David Duffy:

I wish to make two comments. First, we need to have them engaged for us to offer. That is one of the big pushes and hence with the input of the Irish Mortgage Holders Organisation and others I fully accept the Deputy's point. We would love to have offered 100% by now and if we could we would. We are engaging in other innovations on the offer side. My colleague will deal with the other point made by the Deputy.