Mr. Gabriel Makhlouf:

I was just going to address that question. Mortgage rates in Ireland are higher than in some countries in the eurozone. That reflects a number of factors. It reflects the legacy of the crisis, the risk appetite of the banks and the different types of collateral and security arrangements that exist here compared to the ones that exist in Europe. The issues of differential prices in mortgages, which the Senator mentioned, in our view, are different from the ones which we were talking about earlier in the insurance industry. I will ask Mr. Sibley to comment on this.