That gives me a good starting point. I'm curious about when a loan comes to you, if it does. I'm trying to understand the top of the funnel. How often are you actively looking for business and sourcing relationships to make a loan versus receiving a loan from a broker? Additionally, how much comes from existing relationships referring someone to you with a loan? If you were to break down the top of the funnel, how does it typically work for you?

Shawbrook's place in the market is that we're never going to be the cheapest. We're a second-tier lender, a challenger bank to the main high street, the big four. We won't win on price, but we win on flexibility.