Mr. Gavin Kelly:

To reiterate, as KBC customers some across when, hopefully, the transaction is approved, we will work very closely with KBC to migrate customers across safely on their existing terms and conditions with their rates protected. It is very important to say that.

Second, I believe we have a very competitive product range in the Irish market today, which is important. We recently launched new propositions for different cohorts of mortgage customers. As a result, I think we have a very strong range of products available in the Irish market today. I cannot speculate on what is going to happen in the future. At the moment, rate changes are speculation.