Mr. David Duffy:

Yes, that is the very important point. We have a strategic plan over multiple years. Last year, we knew that if we could deliver on all of those variables, we would be able to bring down the rate. As we look through this financial year as part of our strategy, we are saying that if those variables come down - not all of them are within our control - we expect to be able to pass on more of that benefit to our customers. This will become clear to us in the next month or two.