Mr. John Hurley:

It ... it wouldn't get into ... it wouldn't get into detailed provisions that the regulator would apply within institutions. It would be a broad view and it seems to me that the broad view that it would adopt would be very like the broad view that we adopted in the financial stability reports. But when you go through the different lists in the financial stability reports, they're outlined in the reports and they're set out in the reports and a guideline would have to be fairly broad. It couldn't specifically direct a regulator to do particular things that were within their own compass.