Mr. Robert Mulhall:

Mr. Byrne is absolutely correct. As he said earlier, our commitment here is to pass on the benefit of the reduced cost of funding to our customers. We have credentials in this regard, given the four basis cuts we have implemented over the past two years. I think this is also reflected in the buying behaviour of the customers. Over 60% of our new mortgage business comes in on our variable rate. It is attractive to the customer.