Mr. John O'Beirne:

It really depends on individual circumstances. There is always the benefit of moving between different prices. Certainly, from a Bank of Ireland perspective, we have always been active in the mortgage market and will continue to be. Let us suppose someone needs to move home. With the fixed rates we are offering, we allow a carrying or transporting of the fixed rate to the mortgage on the next home. We also look to help and work through with customers the different things that many come up. As part of having a long-term mortgage with Bank of Ireland, a customer may look at taking a mortgage break or may wish the bank to provide other services. It is always in the round and depends on individual circumstances.