Mr. Jeremy Masding:

As I said in my opening remarks and has the Senator has mentioned, there were two contracts, namely, the specific margin and appropriate rate. Every customer who had a specific margin in his or her contract has been reverted to that margin. In terms of appropriate rate, through the exact datum we will get those through. The Senator will recall that the financial world was in turmoil and the cost of the bank's funding changed over those periods. Therefore, the margins changed.