Mr. Kevin Johnson:

We have to remember that CP88 takes all the existing rules. It copper-fastens those for the coming years. Then, it added more on top. A major concern we have relates to lending. We had a good discussion around section 35. However section 35 was supposed to be overhauled as part of this process, but it was not. It has now been copper-fastened. On top of that, we get categories of lending with additional limits on those categories. It is always the lower of the two.