Ms Francesca McDonagh:

The average LTV of our mortgage book is 63% so we would actually see customers who would be at or below that range anyway. What we do is exactly what the Deputy has described in terms of being proactive. We saw 8,000 customers last year and I imagine that trend will only continue. It has been increasing because of our proactive engagement approach, switching from higher variable rates to lower fixed rates, so we continue to have that engagement. I would echo the Deputy's sentiment that they should be contacting us if we have not contacted them already to avail of a better market fixed rate offer.