Mr. Michael Fingleton:

-----I had power to vary interest rates and it was very useful when Bank of Scotland came in and I started targeting our mature loans and it ... we had even a retention department in ... in the mortgage administration section whereby they would identify requests from borrowers for the ... the deeds of their ... of their ... their home loans and we would, through the managers, contact those borrowers and see were they switching to another ... another provider and we would seek to hold on to the business. And in seeking to hold on to the business, they would evaluate whether we could meet their requirements to reduce the interest on their loans.