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The Yaris Cross is a good example of great timing.
Jacking up a small/supermini-sized wagon is hardly original, as the 2000s Peugeot 207 Outdoor proved. It bombed locally, and there were others too, probably, that never even reached our ears, let alone our shores. The point is, this seemed like a niche too far.
Not to Toyota, though. Sure, its Yaris has long included tallish wagon offshoots elsewhere, with names like Verso and Ractis. But it took a redesign that included a Subaru Outback-esque makeover, the telling 'Cross' badge and hybrid with available all-wheel drive (AWD) options to get buyers interested.
As wait times stretch to a year and beyond, now there's a "thrilling" (according to the press release) GR (for Gazoo Racing) Sport Hybrid addition, for those who seek their compact crossovers in racy eco tracksuit couture.
Can the Yaris Cross pull it off? Let's find out.
Skoda’s a bit like that brooding, low-key actor you know but sometimes struggle to recall. Like Jacqueline McKenzie or Ben Mendelsohn. Considered and respected but far from a preening red carpet showboat.
And the mid-size Octavia is the quintessential Skoda… for people seeking quality engineering and tech without feeling the need to make a boastful badge statement.
The fourth-gen Octavia has been in market here for three years and on the back of a recent safety upgrade this new SportLine model, offered in five-door Liftback and traditional Wagon form, adds extra design and specification spice for the same money as the existing entry-level Style.
It lines up against traditional sedans and wagons like Toyota’s all-conquering Camry, established players like the Mazda6 and in-demand newcomers like the BYD Seal EV, not to mention the usual medium SUV suspects.
Stay with us on this first drive to see if this SportLine has what it takes to steer you towards the Skoda Octavia.
Going from dorky to dishy thanks to some clever detail changes, the GR Sport Hybrid certainly earns its place in the high-flying Yaris Cross range. For many buyers, that it also offers enough athleticism to match its newfound style seals the deal.
But not all the changes are welcome, especially as they upset the fine balance that the GX and GXL grades in particular possess in spades. The firmer suspension and bigger wheels have a harder time soaking up the rough stuff. Yet Toyota hasn't gone far enough, by failing to provide the extra go to match the extra show.
If none of these matter, then choose the GR Sport Hybrid and enjoy its many virtues, for the Yaris Cross' time is now and you won't really lose regardless.
Is the Octavia SportLine your kind of automotive quiet achiever? It’s well-equipped and keenly priced with sleek yet understated looks, top-notch safety and a compelling ownership package.
It’s also fuel-efficient for its size and a refined, enjoyable drive. Before you go down that well-trodden mid-size SUV path I’d suggest adding this Skoda - Liftback or Wagon - to your new car short-list.
Note: CarsGuide attended this event as a guest of the manufacturer, with accommodation and meals provided.
Back in October 2020 when the Yaris Cross landed in Australia, Toyota put interesting stats in the press kit showing how the original RAV4 5-door of 1995 compared with the newcomer.
Height-aside (by a substantial 70mm), the Yaris Cross is longer (by 55mm) and wider (+70mm), while its wheelbase and tracks are a whopping 150mm and 60mm more generous.
It's the last point that has us puzzled, because the Yaris Cross still seems a little tippy-toed in proportion, though the GR Sport does at least look better resolved with its larger alloys and lowered chassis.
And the smoked headlights and sad blacked-out grille still seem a bit dead-eyed and gormless. Not Toyota's prettiest styling effort, then.
That all said, the chunky shape and box-ticking crossover styling accoutrements seem to keep bringing people to showrooms in droves.
Finally, how Yaris is this, anyway? To refresh, compared to its supermini sibling namesake that uses the same GA-B 'Toyota New Global Architecture', the Yaris Cross sits higher off the ground and is longer and wider, as well as taller.
All in the name of a roomier body.
The Skoda Octavia is a crisp, contemporary design combining firm character lines and carefully sculpted larger surfaces with a hint of the brand’s VW Group ownership peeking through here and there.
And it’s efficient aerodynamically with a drag coefficient (Cd) of 0.259 for the Liftback and 0.287 for the Wagon.
The broad black grille is uniquely Skoda although the rear treatment is closer to generic premium Euro. Swap out the Skoda badging for four rings or a blue, black and white roundel and no one would bat an eyelid.
But the SportLine stands apart thanks to a gloss-black finish on the grille, mirror covers, rear spoiler on the Liftback and roof rails on the Wagon.
On top of that a rear diffuser and front spoiler have been added, the window surrounds are matt black and dual exhaust tips finish off the rear end.
The interior is dominated by a handsome multi-layer dash design with a 10-inch multimedia touchscreen in the centre and a 10.25-inch ‘Virtual Cockpit’ instrument display facing the driver.
The grippy ‘leather-appointed’, flat-bottom steering wheel has shift paddles lurking behind the rim, there are sporty alloy covers on the pedals and the roof lining is black.
The cloth ‘Sports Comfort’ seats look and feel great, the materials used are high quality and the Octavia shares its umbrella-in-the-door trick with Rolls-Royce, although it must be said, the latter provides two.
Very. As with all Yaris Cross models, the GR Sport Hybrid is designed to be easy to live with, with ample roof height, large doors and hip-level seating to aid entry/egress. No kneeling down to sit inside or hauling yourself up exiting this small SUV.
Comfy and embracing, the sporty front bucket seats seem to offer better support and location than the regular seats, and – as with the rest of the cabin's finish and ambience – are great to behold. It's smart and sassy in there.
Once settled in, the Japanese giant's smallest SUV continues to impress with its sense of space and pleasing all-round vision, making this seem larger than its city-slicker badge implies.
Nothing cramped or tight to report here – unless you're a basketballer perched high on the front passenger seat. Please, Toyota, provide the option of a lowering lever.
Aided by an amenable driving position, simplicity remains the name of the game, as demonstrated the tactile three-spoke wheel, wide adjustability of seating and steering column, unobstructed views of the attractive dash and effortless access to switchgear. If you run a driving school then here's a great lesson in elementary vehicle operation.
That said, the big digital speedo is not up high in the driver's direct sightline; you'll need to do a switcheroo with an Urban grade and its head-up display to remedy that, while the centre screen's layout can be a bit fiddly at first to figure out, though all necessary info is present.
With no shortage of storage, including 1.5-litre bottle-ready door bins and lots of areas to leave stuff in or on securely, effective ventilation and a sense of hardy quality, it's easy to imagine the Yaris Cross appealing to a broad array of buyers, whether singles, families or Empty Nesters.
It's that sort of do-it-all for less packaging that makes you question spending more for a larger SUV.
Downsides? As well as denying us front passenger seat height adjustment, Toyota seems to see no reason to provide its up-spec crossover with a front centre armrest, driver's seat lumbar support and wireless smartphone charger.
Maybe that's why the centre screen's graphics are so Nokia-esque. Plus, rear vision is hindered by fixed tombstone-style headrests out back. Remember when carmakers used to hollow them out to avoid such blind spots?
The Yaris Cross' rear-seat area benefits from lofty seating, a high ceiling to clear scalps, reasonable kneeroom and space beneath the front seats for big boots to tuck in under. But we'd think twice about squeezing three larger people abreast as shoulders and thighs would likely rub.
Still, outboard-sited passengers should rate the well-angled backrests and shapely cushion offering sufficient thigh support. Note that nothing slides or reclines back there.
Other observations? The 40/20/40 backrest's middle portion folds to reveal a pair of cupholders, like in a BMW. Useful, too, are more bottle-friendly door storage (up to 600ml), reading lights, a single map pocket, two coat hooks and auto up/down electric windows.
Some might miss the lack of face-level air vents, though nobody complained about it being stuffy back there.
Moving to the luggage compartment, a flimsy, fiddly, foldable fabric mesh cover is your only defence from prying eyes, and this is a poor substitute for a parcel shelf; Toyota, if you must, please check out how Honda's Civic does it.
Otherwise, the news is positive, due to a sizeable loading cavity, long flat floor and VDA-rated luggage capacity of up to 390L with rear seatbacks up in situ.
Check out the novel 60/40-split false floor, which provides some degree of extra out-of-sight security as well as loading versatility.
As with all Yaris Cross 2WDs, there's a space-saver spare below that. Going AWD means you'll have to put up with a tyre-repair kit – something we'd not inflict on anybody - as well as a substantially smaller cargo capacity (down to just 314L VDA).
Overall, with its subtle yet effective sporty accents and tasteful trim choices, the GR Sport Hybrid enhances an already generally thoughtfully presented and executed Yaris Cross interior.
At a fraction under 4.7m long, just over 1.8m wide and close to 1.5m tall, with a close to 2.7m wheelbase the Octavia SportLine Liftback and Wagon are at the upper end of the mid-size category.
At 183cm I’ve got plenty of breathing room in the front, the low-level dash helping to deliver a spacious feel.
For storage, there’s a generous area under an extendable, height-adjustable armrest between the seats, twin cupholders in the centre console, bins in the doors with enough room for large bottles and a decent cooled glove box. There’s also Skoda’s signature lined rubbish bin in the driver’s door.
In the back, sitting behind the driver’s seat, set to my position, I’ve got plenty of room for my feet, legs and head as well as enough shoulder room for three full-size adults on cozy, medium length journeys.
Adjustable ventilation is welcome and storage options include map pockets on the front seat backs, big door bins, oddments storage under the air outlets and a pair of cupholders in the fold-down centre armrest.
Connectivity and power runs to two USB-C outlets, a 12-volt socket and a wireless charging pad up front with a second 12V in the boot. No USBs or 12-volt for back-seaters, which is a miss.
Speaking of the boot, with all seats up the Liftback offers a competitive 600 litres of storage space, expanding to 1555L with the 40/20/40 split rear seat folded. Those numbers grow to 640 and 1700L in the wagon. Plus, there’s a rear seat ‘ski-port’ style door in both.
A space-saver spare sits under the floor, the tailgate is power-operated and for those keen on towing the Octavia is rated up to a 1.5-tonne braked trailer with trailer stability control standard.
Good question. It totally depends on how 'crossover' you like your Yaris Cross to be.
Starting from $35,840, before on-road costs, the GR Sport Hybrid lives at the pointy end of the range, alongside the Urban Hybrid flagship.
And that's fine, as it does feature a few extras not found in the base GX and mid-range GXL (why does Toyota insist on '70s Datsun and Ford grade names?).
Whether we'd call the dynamic and visual upgrades "thrilling" is debatable.
Outside, the GR Sport gains black mirror caps, mesh for the grille and bumper insert, a different rear diffuser and red brake calipers on unique 18-inch wheels. It also sits 10mm closer to the ground, thanks to lowered suspension that also boasts a revised tune.
Inside, you'll find redesigned front seats with suede-like material and vinyl bolsters, an extra USB-C port, an air-purifying filter for the climate control system, aluminium pedal covers and a smattering of GR logos, colours and trim finishes to round things out, while extra underbody bracing is there, "... to control body roll and improve ride comfort". We'll go into more detail later on.
But there are no changes to the hybrid powertrain.
As with all Yaris Crosses, the GR Sport has a long list of standard safety equipment, bringing eight airbags, Autonomous Emergency Braking (AEB), lane-keep assist and adaptive cruise control. See the Safety section for more.
Since it's based on the GXL hybrid 2WD (front-wheel drive) grade, you'll also find LED headlights, keyless entry/push-button start, a leather-wrapped wheel with paddle shifters, voice recognition, a 7.0-inch touchscreen, digital radio, Apple CarPlay/Android Auto connectivity, satellite navigation, 'Toyota Connected Services', auto-folding mirrors, rear privacy glass, and a temporary spare wheel.
For handy luxuries like a powered driver's seat, heated front seats, a head-up display and powered tailgate, you'll need the identically-priced Urban Hybrid 2WD. Hmm.
Or... for exactly the same money (from $35,840 plus ORC, remember), there's the GXL AWD, which drops two inches in wheel size but picks up 10mm more suspension height and an extra electric motor on the rear axle for extra traction. Gripping.
Rivals? Compared to the scores of non-hybrid small SUV alternatives, there are few that directly align with the GR Sport Hybrid.
The very mild-hybrid Mazda MX-30 G20 probably comes closest in price, or – from about 10 per cent more – there's the new Subaru Crosstrek AWD.
Or, in-house competitors like the ageing but still-impressive Toyota C-HR Koba Hybrid and larger Corolla Cross Hybrid. Others, like the uneven Haval Jolion Hybrid and Honda's fine HR-V e:HEV are more expensive again.
In summary, then, we reckon the GR Sport Hybrid's biggest value challengers come from within Toyota generally, and the Yaris Cross range specifically. It's hard to go past the GX or GXL Hybrid AWDs.
With the aim of giving the Octavia a value-focused mid-life boost, the SportLine adds some racy extras outside, inside and underneath and we’ll cover them in detail in the Design and Driving sections.
For now, it’s important to note it all comes at the same price as the already well-equipped, entry-level Style. That is, $40,590, before on-road costs, for the Liftback and close to $41,890 for the Wagon.
And to support this new variant’s arrival, national drive-away pricing has been set for both at an extra $1900 and $2100, respectively ($42,490 and $43,990).
Aside from that, the Sportline boasts a handy standard features list, the highlights being dual-zone climate control, adaptive cruise control, 18-inch alloy rims, auto LED matrix headlights, a power tailgate, a 10-inch media touchscreen (with voice recognition) and 10.25-inch digital instrument display, wireless Android Auto and Apple CarPlay, keyless entry and start, auto rain-sensing wipers, a reversing camera, built-in nav and eight-speaker audio.
An optional ‘Premium Pack’ ($3200) adds power adjustable front seats (with lumbar and memory function), heated front and rear (outboard) seats, ‘Adaptive Lane Guidance’, ‘Emergency Assist’, digital radio, tri-zone climate control and additional USB-C outlets. A panoramic sunroof is available on the Wagon for $1900.
‘Candy White’ is the single no-cost paint colour, with ‘Black Magic Pearlescent’, ‘Graphite Grey Metallic’, ‘Moon White Metallic’ or ‘Race Blue Metallic’ adding $770 to the price-tag while ‘Velvet Red Metallic’ steps up to $1100.
Overall, pretty good value for the category, even before you start factoring in the SportLine extras.
Just as with the regular Yaris Cross as well as all Toyota hybrids sold in Australia since 2001, the GR Sport Hybrid is a series-parallel set-up.
It features a 1.5-litre, three-cylinder, naturally-aspirated petrol engine dubbed 'M15A-FXE', making 67kW of power at 5500rpm and 120Nm of torque between 3800rpm and 4800rpm.
That's backed up by an 85kW permanent magnet synchronous motor, producing 59kW of power and 141Nm of torque, with electricity stored in a 4.3Ah lithium-ion battery pack.
Charging is via the petrol engine and recuperated energy from braking. There's no plug-in facility, while pure-electric drive is only offered during low-speed light-throttle driving for short bursts, or during off-throttle coasting where conditions are right.
Drive is sent to the front wheels via an electronic continuously variable transmission (CVT) offering a 10-speed manual sequential mode as well as a mechanical first gear for a more natural torque-converter automatic gearbox experience. Less prone to engine droning that way.
Weighing in at around 1235kg (kerb), the GR Sport Hybrid has a power-to-weight ratio of 68.8kW per tonne, which is okay.
Supporting this Yaris Cross' sporty aspirations, the MacPherson-style strut-front and torsion beam rear suspension tune sees a 10mm drop, resulting in a ride height of 160mm and a lower centre of gravity.
This, along with revised suspension components and additional underfloor bracing for increased stiffness and rigidity, are claimed to benefit steering, handling, body control and ride comfort capabilities.
But we're unsure whether the benefits are felt in equal measures – or at all, in some cases.
A 1.4-litre all-alloy, direct-injected, turbo-petrol four-cylinder engine sits under the Skoda Octavia’s bonnet, sending 110kW/250Nm to the front wheels via an eight-speed automatic transmission with ‘Tiptronic’ sequential manual shifting accessible via wheel-mounted paddles.
Like all Yaris Cross hybrids, the GR Sport officially averages just 3.8 litres per 100km on the combined cycle. That translates to 86 grams per kilometre of carbon-dioxide emissions. There's another reason why this Toyota is such a smash hit.
We didn't quite manage that, predictably, but the 4.7L/100km we did achieve beat the in-car trip computer. That's a rarity. And unlike some larger Toyota hybrids, this one can run on standard 91 RON unleaded as well as 94 RON E10 ethanol-mix petrol.
Using the official fuel consumption average, expect to achieve nearly 950km of range between refills of the 36L fuel tank. Note there is practically no pure-EV range available in this system of hybrid.
Whichever way you look at it, the Yaris Cross is about as economical as petrol-powered small SUVs get.
Skoda’s official combined cycle fuel economy number for the Octavia SportLine is 5.7L/100km for the Liftback and 5.9L per hundred for the Wagon, the 1.4-litre turbo four emitting 180g/km of CO2 in the process.
On the launch drive program covering urban, B-road and freeway running along the coast south of Sydney, NSW we recorded an average of 6.4L/100km in the Liftback. Not too shabby for a non-hybrid in this class.
Worth noting the minimum fuel requirement is the pricier 95 RON premium unleaded, though.
You’ll need 45 litres of it to fill the tank which translates to a theoretical range of around 790km… roughly 700km using our real-world number.
We've driven every version of the Yaris Cross since its late 2020 launch in Australia, and without hesitation, the GR Sport is the least impressive of an otherwise great range of small SUVs.
And nowhere is that more evident than in the way it behaves around town.
As its creators intended, the Yaris Cross was born to be an urbanite. Lofty seating, good visibility, zippy acceleration, strong brakes, a tight turning circle and – in the base GX and mid-spec GXL on 16-inch wheels and tyres – a decent level of isolation from road bumps are key and very desirable attributes for city and suburban commuting.
Tick the hybrid box and the added electrical oomph and occasional silent running that electrification brings just add to the Toyota SUV's appeal in these circumstances.
Now, what you gain in style, stance and better tyre grip in the Urban, wearing the 18-inch wheels, you lose in ride comfort over bad roads due to an underlying firmness, and increased road noise intrusion over some coarse surfaces.
However, with its 10mm lower ride height and sports-tuned suspension, the GR Sport is firmer and louder again, and that detracts from its comfort and refinement.
Not to the degree that it's a deal-breaker, because the basics are still there and the Yaris Cross DNA remains, but there are marked differences between the grades.
If most of your driving is urban, you might want to rethink the GR Sport as a result unless the roads you commute on are smooth, because you'll barely notice the improved handling and body control at lower speeds that this grade specialises in.
Driving away onto rural roads, however, reveals a slightly more solid and focused handling machine, with quite direct (if not very tactile) steering through fast tight turns, accompanied by a flat and neutral attitude.
In other words, you can point and shoot a GR Sport up a mountain road with the confidence that it will steer and hold the road calmly and in control, even at speed.
So composed is this version of the Yaris Cross that, on a couple of occasions, we were surprised at how high our corner exit speeds were. Dynamically this is a warm-hatch-like crossover.
Which makes the lack of any power or torque increase over regular hybrid grades all the more disappointing and a missed opportunity. The chassis is clearly up for more muscle.
Yes, as per all Yaris Cross hybrids, the GR Sport is quick off the mark, smooth in its seamless delivery of power, regardless of whether it's petrol or electricity sourced, and eager to respond to throttle inputs.
This is rapid around town and speedy on the motorway. But we'd like a bit more punch to go with the added sporty visual panache.
On our final day of testing, rain washed away weeks of dry, dust and humidity, and the roads became treacherously slick, testing the mettle of many.
Despite being front-drive, the GR Sport continued to be in total command with its grip and braking abilities, but the added surety of AWD that the identically-priced GXL would have brought cannot be denied.
In other words, the GR Sport is best where it can be enjoyed – out away from the city and on good roads. Otherwise, there are better choices within the Yaris Cross range.
Skoda says the Octavia SportLine will accelerate from 0-100km/h in 9.0 seconds, which isn’t ferociously fast but far from sluggish at the same time, especially for a roughly 1.3-tonne vehicle. And the fact peak torque (250Nm) is available from 1500-4000rpm makes it easy to drive with plenty of oomph through the mid-range.
Worth noting, while the urge is there, the turbo four’s power delivery isn’t always linear, more often from step off, with the engine at times taking half a beat to respond to a squeeze of the accelerator pedal before the power arrives.
Nothing dramatic, however, and the ‘Shift-by-Wire’ eight-speed auto transmission is smooth, with ‘Eco’, ‘Normal’ and ‘Sport’ modes available, the latter holding onto ratios longer on the way up the gears and shifting down more readily when an extra burst of acceleration is required. And if you want to take full control, ‘manual’ shifts via wheel-mounted paddles are satisfyingly quick.
Suspension is strut front with a ‘compound link crank-axle’ at the rear, the latter being Skoda-speak for a torsion beam.
The SportLine’s suspension is 15mm lower than the Style’s with springs and shock absorbers re-tuned for sharper dynamic response. Yet, despite that and the standard 18-inch rims shod with low-profile tyres there’s no penalty in terms of ride compliance.
Even over coarse B-road surfaces the Octavia remains comfortable and composed. The steering is nicely weighted and road feel is good, with a nice connection between the front tyres and hands on the wheel.
Pressing on through the curves the car is stable and balanced with the (225/45) Bridgestone Turanza rubber gripping hard. And if you really have the bit between your teeth an electronically-controlled diff lock helps put the power down effectively.
Braking by ventilated discs at the front with solid rotors at the rear and under the pressure of some steep, twisting and fairly rapid descents stopping power is solid. The pedal is progressive on application and when easing off.
Under the heading of miscellaneous observations, engine noise is agreeably low, especially for a small capacity turbo-petrol engine, the sports front seats are supportive and comfortable over lengthy stints behind the wheel and a lateral slider located below the central multimedia screen to control audio volume is a neat ergonomic solution.
In the midst of the current arm wrestle between the design cleanliness of an on-screen volume control and the simple effectiveness of a physical dial the Octavia’s slider, while still a haptic-style operation, represents a safe and practical middle ground between the two.
Tested on release in late 2020, all bar one Yaris Cross grade sold in this country has been awarded an ANCAP crash-test rating of five stars. The outlier is, inevitably, the GR Sport, with the organisation explicitly singling it out as such.
Why? Who knows, since there are no changes in safety specification while the body and structure are actually stronger than the others. Bureaucrats...
In fact, the safety-related rollcall is impressive, starting with eight airbags, including a front centre bag to help keep occupants from colliding sideways in a lateral impact.
There's also driver-assist tech as part of Toyota's 'Pre-collision safety system' with AEB for pedestrian (day/night) and cyclist (day) detection and daytime intersection assistance.
The AEB functions between 10km/h and 180km/h and the lane support systems between 50km/h and 180km/h.
Additionally, 'Rear Cross Traffic Alert', parking support braking, blind-spot monitor, emergency steering assist, lane-keep assist, speed-sign recognition, auto high beam, full stop/go adaptive cruise control and front and rear parking sensors are part of the GR Sport specification.
You'll also find a panoramic surround-view monitor, anti-lock brakes with brake assist, traction control, stability control, active cornering assist, cross-wind assist, four-wheel disc brakes and a reverse camera, while 'Toyota Connect' brings SOS emergency call, stolen vehicle tracker and other GPS-based assistance features.
The rear seat includes three top tethers for child restraint, with ISOFIX anchors on the two outboard positions.
Safety is one of Skoda’s strongest suits so no surprise the Octavia scored a maximum five ANCAP stars from assessment in 2019.
It includes active crash-avoidance tech highlights like AEB (with pedestrian and cyclist detection), a surround-view and reversing camera, ‘Park Assist’, lane departure warning, lane keeping assist, rear cross-traffic alert, rear parking sensors, tyre pressure monitoring and fatigue detection.
If an impact is unavoidable, there are eight airbags on-board, including a front centre and driver’s knee bag which holds up well in 2024 and shows how far ahead of the passive safety game the Octavia was when it launched here in 2021.
There are three top tethers for child seats across the second row, with ISOFIX anchors on the outer positions.
Toyota offers a five-year/unlimited kilometre warranty – with the option of extending that to seven years – as well as roadside assistance.
Service intervals are at 12 months or 15,000km. The first five scheduled services are capped at $250 each, with the work carried out detailed online.
The engine and transmission are under a seven-year warranty, while the hybrid battery pack is up to 10 years as long as the owner undertakes an annual inspection "... as part of routine maintenance according to the vehicle logbook."
The Octavia is covered by Skoda’s seven-year, unlimited-kilometre warranty, which is two years up on the majority of the mainstream market.
Roadside Assist is complimentary for the first year, renewed annually if you have your Octavia serviced at an authorised Skoda dealer.
The main service interval is 12 months/15,000km, which is in line with most of the competition and Skoda offers five- and seven-year service packs, the latter equating to $393 per workshop visit, which isn’t out of line for the segment.
And through Skoda Choice you can opt for a Guaranteed Future Value offer ranging up to five years and currently at a 6.99 per cent rate.