Mr. Nick Ashmore:

In terms of the relative benefit to the on-lender of our product versus another product, we design this to be neutral for the lenders, so it is critical for the state aid treatment that they do not financially benefit from any particular transaction. What they get out of this is enhanced competitiveness. By changing the cost of the liquidity, that is, the raw material that goes into the product, we bring the overall price down, but the on-lenders do not benefit. They get the same margin on their loans as they would on our loans. It is designed to be neutral.