Extremely unrealistic. 3.6% current rate (without the invest part) cut down to 2.1%? (without the invest part) That's a 150bps cut when BNM reduced OPR by 50bps. More likely the save portion will reduce to 1.50% from current 2.0% to a total of 3.10% without the invest part and 5.10% with the invest part.