Mr. Myles O'Grady:

On affordability, when we write a mortgage for a new customer we are very careful to ensure we are happy they can afford to make full repayments on it. We stress-test that as well. For example, if inflation has a negative impact on their cost of living, do we think the customer can still afford the mortgage? That is part of the mortgage approval process. More generally, from a total mortgage loanbook perspective, the two biggest factors that would give rise to us holding a larger impairment loss would be downturn assumptions on unemployment and house prices.