Mr. Peter Roebben:

We have a commercial choice in that we have a preference for customers buying some security and going to a fixed rate. Again, though, they have the option of going from a one-year fixed rate, which is not very long, to the longest offer we have, which is ten years today and which we may extend further. There is therefore a wide range of options, including a one-year, a three-year, a five-year and a ten-year fixed rate. This is very customer-friendly. The nature of a variable rate is that it is variable. We have a variable offer in the market and clients can always avail of it. We see a clear preference on the part of customers today. In the new mortgage production year to date about 94% of customers-----