I am aware of this problem. There are altogether some 50 authorities charging a mortgage rate higher than 11 per cent. I should dearly like to do something immediately for those authorities in that situation. I fear however, that I have not found the answer to this problem. I am not in a position to give an additional subsidy to local authorities in order to cover this point, and the sort of loan we gave to building societies last year, which is now very nearly repaid, would not assist. Sadly, I cannot pretend that I have yet found the answer to this problem.