I was once the chair of a mortgage company, and that was in the good old days when the margin between lending and borrowing was around 400 percentage points, or 4 percent. Now, when that existed, and that was the financial regime which existed, and no one really needed to do this sort of thing because everybody was making so much money, virtually overnight, the percentage went down to less than 1 percent. When we exited that particular product, we were actually getting less than 1 percent, or 100 basis points, between borrowing and lending, and the reason we exited was the only other way we were actually going to be able to continue to make money was on value-added products like insurance, etc. What quickly became clear was that we were going to have to incentivise a lot of people for us to make any money and the only people who were going to suffer were going to be our customers. So we exited. So I have a firsthand account or experience of that change in incentive. 