Mr. Stephen Groarke:

There are perhaps two parts to that. One is that the features of the mortgage need to be very clearly explained, and there are both legislative and regulatory obligations in this regard. Then, specifically regarding comparability, the 2% cashback and 2% loyalty bonus over the life of the mortgage must be included in the APR. Therefore, if a customer wants to compare mortgage products on an all-in basis, he or she can use the APR we quote versus the APR that other banks quote. The intention of that legislation is to create that comparability.