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If he were to take one month with another, the hon. Gentleman would find that interest rates tended to be down dramatically during that period. I am sure that he would agree that the solution figure achieved on 1 May 1997 was the lowest historic rate for more than 30 years.
Returning to mortgage distribution under the recent arrangements, it is interesting to note that, once people reach an income level of about £10,000 a year—