Mr. Gavin Kelly:

From my perspective, I would like to see customers on fixed rates, and we have seen that over the past year. Clearly, it is a choice for the customer and that is the way it is presented to them, and we discuss that with them. From my perspective, it gives certainty to us if the customer decides to fix for a number of years, but it also gives certainty to the customer on their repayment. If a customer fixes with us today for five years, he or she knows his or her mortgage repayment will not be affected for the next five years. In the current environment, that is significant.