Ah yes, thanks, I misread. So it's 0.35% per year so still quite a lot. [My initial calculation was wrong. It would have been 35% per year, which would have

Ah yes, thanks, I misread. So it's 0.35% per year so still quite a lot. [My initial calculation was wrong. It would have been 35% per year, which would have been more obviously incorrect!]