Ms Dara Deering:

If a customer has a LTV greater than 90%, that is lending we do not offer in terms of new business any more, they can clearly opt for the current account discount on a variable rate and they can go from 4.25% to 4.05% or we have a range of fixed-rate products for those customers. They can avail of a two-year fixed rate, for example, at 3.7%. In that example they could go from a 4.25% rate today and move to a two-year fixed rate of 3.7%, a 55 basis points reduction.