Mr. Stephen Groarke:

It is different in different banks. I am sure the Deputy is aware of another bank with a similar situation. In PTSB the rate was calculated across a number of years in 2007, 2008 and 2009. It moved in conjunction with the increase in the cost of funds over that period. It was based on the cost of funds available to PTSB over that time, but it changed from year to year.