Mr. Gavin Kelly:

From our perspective, on the deal with KBC - and as we go through the next number of months when, hopefully, the deal with KBC will be approved - we have entered into tough negotiations with it. We are buying a mortgage book and giving mortgage customers a new home. It is not my intention then for those customers to move or to sell those mortgages anywhere. KBC already did a deal for some of its non-performing loans. We are buying performing loans from KBC. It is certainly our intention to hold onto those mortgage customers over the medium to long term.