You're quite right. In the last couple of auctions we've seen it hasn't been 100% full take-up on the auction. I think it was fully expected at the outset of this program that sometimes we'd see full take-up of the auction and at other times we wouldn't. It really depends on the needs of each financial institution and the level to which they want to participate. That is very dependent on each individual situation at that particular time.
What we've committed to is to deliver this program that the government has put forward in which we will purchase up to $125 billion of these NHA mortgage-backed securities. By doing that we'll offer regular auctions in which they can sell those NHA MBSs to us.