Mr. Bernard Byrne:

No. People have decided to compete on that particular rate for that particular offering in that particular marketplace. If one examines the quantums associated with the offering, one will not find a great deal of activity. It is an attractive headline rate for discussion, but it is not where the market is. The standard variable rates across that marketplace are, on average, at or higher than those in this marketplace. Weighting provides more representative information. There is a teaser rate on which people compete heavily, but it is that.