Mr. Jim O'Keeffe:

In the contract, they have the option of a fixed rate. Again, I am talking a little bit on the lines, to be fair in respect of the contract. If I am thinking of the right contract, I believe the customer has the option of a fixed rate or variable rate if he or she was offered the prevailing rate. If he or she decides not to take the prevailing rate, or if he or she did not come back to the bank at all, he or she reverts to the standard variable rate, SVR. That is what is agreed. If the customer has refused the prevailing rate, he or she selects either the fixed rate or standard variable rate.