Mr. David Duffy:

We are trying to make that clear by offering a wide range of products with a lot of explanation behind them. Our fixed-rate mortgage, as we explained earlier, is at 3.5%. The rate is around 3.5% for people taking out mortgages today. One cannot dictate to the customer what they should do but one must offer choice and flexibility and then offer advice behind that. It involves professional advisers in each case across that spectrum of products.