Mr. Alan Merriman:

It was discussed. I was aware and I always ... and, again, I think it's fascinating. It hasn't come up, to the best of my knowledge, in your discussions, I was always fascinated with the fact that the tracker mortgage was priced cheaper than the standard variable rate. It made no logical sense to me, from any perspective.

In other words, you know, by a customer having a guarantee that their rate was going to be tied to the ECB, when, in fact, they should have been paying more-----