Mr. Jim Brown:

As I said it depends on the term for which the customer is taking out the loan. It also depends on the loan-to-value ratio, the value of the lending against the home, the underlying security. The risk can be higher or lower so that impacts pricing as well. It also depends on the customer's individual credit criteria. There are a number of criteria that could impact on the difference in rate. This also applies to our standard variable rates here in the Republic of Ireland. Our standard rate is 4.3% but customers can get lower interest rates depending on the loan-to-value they borrow against.