Mr. Richie Boucher:

There are a lot of regulatory restrictions in the UK as well on the level of aggression one can have in one's office and that. They have macro prudential requirements in the UK as well.

We now have competitors in the mortgage market and each of them is a meaningful competitor. Between KBC, Permanent TSB, AIB, Ulster Bank and ourselves, each of those competitors are meaningful. In other words, they have more than 10% market share. We have about 1% of the UK market. Our business in the UK is probably a little bit less.