Mr. David Duffy:

What we do is manage our margin. So we have ... when you look at a net interest margin, which is the criteria by which our margin is measured, we would look at the cost of running the bank, the cost of our funding, and the cost of risk, and the requirement to generate a shareholder return. We would subtract them from the aggregate revenue we receive in the bank, and the difference between those two is our margin. And that's what we call the net interest margin. That's what we look at at the board.