Mr. Kevin Johnson:

It is as the Chairman summarised. We would like to see the commission's recommendation implemented. The commission's recommendation was that there should be a thorough analytical assessment of the affordability of this to credit unions. There are a number of levies. There is the regulatory levy, there will be the resolution levy the Chairman mentioned and there is a restructuring body, ReBo, levy. Rather than looking at these individually, it is essential that we get a handle on the full cost of these to ensure the affordability of them in their totality. That is the point.