Ms Dara Deering:

Yes. This time last year, that number was higher as we launched our pricing in order that our existing customers could avail of the new rates. Just over 4,000 customers have availed of a lower rate, so that 36,000 was previously more than 40,000. We write to those customers regularly and provide options to them if they want to avail of any of those variable or fixed-rate products.