I'll answer very quickly. There is a broad range of sources for bank funding, including deposits, the BA market, longer-term bonds, and the IMP program of the government.
What's important to recognize as well is that those costs and those spreads went up quite sharply in the fall with the crisis; they have been coming down quite considerably since the turn of the year, which is part of the implication for it. Monetary policy changes are now being passed on, including to bank funding costs and further out into the economy. I'll just give you one data point, which is, as you probably are aware, that the variable rate for mortgages now is 3%.