Mr. Gavin Kelly:

The Deputy will appreciate that that is a decision for the customer. Obviously, there are a range of fixed rates from one year to ten years. Depending on the customer’s needs, we discuss that with the customer. We see customers selecting from a range of interest rates. In the last 12 months, we see that customers are aware of the interest rate environment and they are starting to pick, say, a five-year fixed rate more than a two-year or three-year fixed rate. However, we cannot say to customers that we are going to transfer them onto another fixed rate.