Gerard Craughwell (Independent)
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I will make one last point. Mr. Masding spoke about the bank's loan-to-value rates and where the value is higher than the loan, there is a reduced rate available. He has worked on that. Is that something the bank will offer to its traditional variable rate mortgage holders? Will the bank now review those who are on variable rate mortgages and accept that it needs to help them by cutting their repayments? Is that something Mr. Masding would consider?