Mr. David Duffy:

That is a fair question. We did it for two reasons. First, we have set out time and again at this meeting our principles of treating customers fairly and on an equitable basis. We have worked hard to run a structured rebuilding of the bank, including by improving our margin and managing downwards our cost of funding. If we could make improvements in our funding levels, we felt it appropriate within those principles to return some share to the customer.