Mr. Jim Brown:

That is commercially sensitive, so we will not publish it. It is not in the public domain, but we have published the net interest margin as 2.32% across Ulster Bank. As I mentioned, the cost of variable rate mortgages in Northern Ireland is 4% versus 4.5% in this market. There are fees that are charged in Northern Ireland as well. The cost of deposits is significantly higher in the Republic versus Northern Ireland as well. If one looks at the deposit rates versus the mortgage rates plus the fees that get charged, there is not much difference between the two.