Ms Jane Howard:

I will provide the high-level view, and I am sure Mr. Coyle would be delighted to discuss some of the progress we have made. We offer a range of rates to all of our new and existing customers. We have the lowest fixed rate on the market at 2.3%, which fits with our strategy. We are finding that more than 80% of the new mortgages that we are writing today are on the fixed rate. Customers tell us that they like the rate and that it gives them certainty of payment. The latter is important to our customers. We deliberately went out to compete because we wanted to grow our market share in mortgages.