Ms Isolde Goggin:

I would not totally agree. We constantly monitor the mortgage offerings of the banks and we operate this mortgage price comparison tool that people can use. We are seeing some more variation and different products coming into the market, and a couple more lenders are coming in. If anyone goes into that tool and decides to switch their mortgage, they can save quite an amount of money over the term of a mortgage. Therefore, while it is not great, it is improving.