Mr. Ger Mitchell:

I am happy to take that question. The range of reductions, as the Deputy rightly said, is from 0.2% down as far as 0.8% of a reduction depending on the value of the property relative to the outstanding loan. In terms of the first year of it, we identified our panel of valuers and put a voucher in every single letter. We sent it to each customer with a free valuation and they remain valid for those customers who have them. Over 70,000 customers got a switch pack-----