Mr. Bernard Byrne:

We implemented that change in December. With a brand new product, a new offering in effect, one can secure marginal funding for it because it is a new funding cost. We were able to pass on the benefit in respect of that. At some points in time, the variable rate is lower and at other times, the fixed rate is lower. The reasons that people opt for fixed rates are certainty of cost and to secure cash when things are tight.