Ms Dara Deering:

That is a fair question. It is a mix because it is a rate that we have not offered for years, but for example about 80% of those customers are in positive equity, so therefore they have options, whether that is to fix the rate or remain on a variable rate. The customers who are in negative equity again can opt for those rates, such as the two-year fixed rate that I have spoken about. Many of the customers could avail of lower rates based on an updated valuation which they could supply to the bank.