Mr. Ger Mitchell:

I do not have a breakdown of the exact income. The final point I wish to make is that there is more involved than just the cost of funds. For example, there are five main pieces that go into our model to deliver a mortgage rate. There is the cost of the raw material, namely, the funds. There are also the credit inputs and the risk of default. One then has to deal with the liquidity of the capital inputs. All of these together conspire to create the price. There is also the cost of doing business - the operating expenses in supporting the network and the bank.