Mr. Gavin Kelly:

I do not have the exact number. I will see what information I can get for the Deputy because I want to help. Some of the information is competitive and I will not be able to disclose it. When we write to customers the majority of them choose another fixed product with us. Some customers decide to shop around and may move their mortgage elsewhere. Other customers might stay on a variable rate for a period and then fix again. Each customer is different. People make different choices. What we see in the current environment is that more customers who come off a fixed rate decide to fix again. We are seeing the duration of the fixed periods beginning to get longer.