Mr. Gavin Kelly:

To clarify, I said 60% of our total customers are on fixed rates, 10% are on variable rates and the remaining approximately 30% have tracker mortgages.

To answer the question on how many new customers are on fixed rates, I will get the exact number for the Deputy. It has been the case that for a number of years well over 90% of people take out a new mortgage on a fixed rate.