Mr. Gavin Kelly:

As I said, we write to our customers, including to our variable rate customers, regularly in order to present all the options that are open to them, including fixed rates and other options. Every customer is different and make different decisions depending on their circumstances at the time. We have seen, however, and this is evidenced by the number of customers we have on fixed rates, that there is a move of customers from variable rates who are looking for the certainty of fixed-rate payments. We continuously communicate with those customers and present the options to them.