To a large extent, the banking institutions have now capitulated. As Senator O'Higgins said, AIB has not capitulated quite to the extent of the others, because it claims it was already offering the cheapest mortgage rate. Its rate is now coming very close to the others, which is clear evidence of the existence of the cartel which Senators O'Rourke and O'Toole spoke of. I cannot quite remember the figures, but they are now very close.