Mr. Ger Mitchell:

Yes, we are familiar with the profile, broadly, if we use the HPI directionally. It should be borne in mind that we have written to all customers in the past two months to remind them of the option to move across to get better value in their variable rate pricing. We continue to pay for their valuation as they come across. The stratification is a matter for where the HPI is across the country and there is no one common version of that.