Mr. Gavin Kelly:

We write to each customer every year, including our variable rate customers, to talk about the options they have on their rates. They will be shown the options on what I believe are the attractive and competitive fixed rates that are available to them. If they want to talk to us about those, we will certainly speak to them. We have seen over the past number of years customers taking up that option. Every customer is different, and they all have different needs. We find that in the conversation we have with customers, they will come in to speak with us and we will talk to them about options, including fixed rates, in due course.