Mr. Bernard Byrne:

Yes. I will go back to the competition point. There is a cash-back offer system in the market and a number of customers find that attractive. As long as the cash-back system is in the market, we cannot ignore the fact that customer behaviour means they find it attractive. In the EBS franchise we have implemented three price reductions and it has the second-lowest standard variable rate in the market. That are cash-back offers in existence.

The second point-----