Mr. Gavin Kelly:

We have a range of products available to customers. It is not just cashback and we offer non-cashback rates as well. What we have found from our research and from talking to customers, particularly first-time buyers, is that cashback has an appeal because it is gives them access to funds immediately after they draw down the mortgage, and they tend to use it for a new kitchen or investment in the house post the purchase of the house. We provide a range. Some customers do not want cashback and they get an alternative interest rate from us if that is the case. We have seen it as a very popular part of our product offering over the past number of years since we introduced it and the plan at the moment is to continue it as is.