Mr. Bernard Byrne:

The variable rate mortgage product does vary across every jurisdiction, so there is not a like-for-like comparison. The closest example is the UK marketplace, a marketplace in which we operate so we are very familiar with it. The average standard variable rate in the UK is 4.85%. Obviously, the base rate is 50 basis points, meaning there is a slightly higher base rate. The actual customer rate for a standard variable mortgage is 4.85%.