Mr. Alan Merriman:

I did raise it. But ... and, again ... no, look, you know, EBS got lots of things of wrong, it got lots of things right as well. The whole area of pricing of mortgages ... if you look at our book as an ... in aggregate, proportionally, compared to the other banks, we had very, very little by way of tracker mortgages. We had a lot of people in fixed rate and we had them in fixed rate because we felt that was the prudent thing to do. Typically, around five-year ... it affected stress testing as well but it gave them certainty. A bit like my own arrival into EBS and my own package, having visibility about what your expenses would be ... very, very helpful in terms of assessing credit. So we steered people more towards fixed rate and the standard variable rate for those reasons.