Mr. Bernard Byrne:

Part of the challenge in answering the question is that it was yesterday. We have not thought through a position on the recommendations; we did not know in advance what they were going to be. We believe the offerings we have, in terms of the standard variable rate and our front and back book pricing, put us in a different position from many in the market. Our front rate pricing, which is the most attractive offering we have for new customers, is the exact same price as the back book price for the majority of our customers. We have had this position for quite a while. We also have an obligation, with which we comply, to inform customers on an annual basis about rates across the institution. If we can do it earlier and it is the right thing to do we will do that but I have not seen the detail or worked through how it would play out.