Dr. Robert Kelly:

We can certainly use the likes of the credit register to understand that. There have been piece of work to understand what rates they are at relative to others. This is an important point. When we look out a year or two from now when some of these fixed rates will be falling off, it will be the prevalent rate available within the market versus if they had fixed rates at various points in the past. Therefore, some people will experience an increase. Of course, all increases are difficult for households to absorb. Some will see significant increases and some will see less significant increases. We can look at the rates there, but it would be very much as we go out six months from now looking at what the market rates are that they will transfer to or that will potentially be open to them.