Mr. Richie Boucher:

Our disclosure today is that the ... our average cost of funds right across the group from tier 2 capital down to our current accounts is about 1.03% to 1.04%. The yield, average yield on tracker mortgages is around about that. So at a gross margin basis ... but that doesn't take any recovery of costs, any provision for potential bad debts so tracker mortgages are still costing us money today as we speak, notwithstanding the fact that we have brought our cost of funds down. But it's not the gross margin cost.