Hi no problem what I was trying to do was to highlight the people who have sat back and done nothing for this campaign which is the vast majority of people with SVR mortgages. The question of fixing or not is now the big one and in my opinion people will need to fix in the next few months as I think the rates will start going up seeing as the most powerful Germans are clamouring for that to happen. Regarding the two questions no irony work for any bank and as I'm not a shareholder I won't be attending 2 2agms that is unless I'm told I can go, in which case I would so my dumbest to get to them.