Mr. John O'Beirne:

It is measured once per year on the drawdown amount through the course of the calendar year, so it is measured on 31 December. Effectively, the challenge with managing to it is to make sure that if the market and mortgage lending is lower or the amount of drawdowns we would expect is lower than normal, then it is one number divided by the other. However, we look at that and look ahead through the course of the year and try to make sure that we keep a level of availability there.