Mr. Stephen Groarke:

The Central Bank regulations allow us, in terms of general lending, a 20% exception ratio and for the first-time buyers to go beyond of 90%, a 5% exception level. We have done the latter where somebody has demonstrated strong affordability. We are very careful about doing so because we do not want to return to a 100% LTV mortgages again. That is not a place to which we want to return.