Mr. Liam McLoughlin:

The view here is that nothing is for ever. We accept that. It is an attractive feature, particularly for first-time buyers. When one is trying to find a deposit and to get on the property ladder, it is a nice feature to have something to pay for the furnishing of a house or the legal bills. It has proved to be very attractive. Our volume of business activity is very positive and the customer feedback to us is that it is very well received. We have also moved on in terms of bringing into play our flexi-options fixed product, which, again, has features that customers like. Our product features are obviously evolving.