Mr. Tony McMahon:

To clarify, some of those buy-to-let split mortgages are part of the announcement of the securitisation last week in respect of a certain cohort of buy-to-let loans. That is where some of those would feature. However, the principle is the same. For example, in those split mortgages for owner-occupier, on average, about 40% to 50% of the mortgage is on interest only and, on average, about 50% to 60% would be paying down capital and interest. For the remaining duration of the mortgage, therefore, the first part of it will pay down to zero and then there will be a lump sum left at the end of the period. It depends on each individual circumstance but we would be looking towards people who have retired who may have lump sums or pensions. One or other of those dynamics may change over a period of time. It depends on certain circumstances. The children get older, but the sale of the property would be one of the repayments that was envisaged when those were contracted with those customers.