Mr. Jim Brown:

In terms of variable rates, as I mentioned in my opening statement, we have been progressively reducing our rates for existing and new customers. We have a wide range of fixed rates that are lower than the standard variable rates that existing and new customers can take as well.

In terms of engagement with the Minister, I am more than happy to engage and I am willing to share with him the discussions we have had on the various components that make up the cost of providing mortgage finance in the market. We are happy to engage.