Mr. Gary Tobin:

No, there are not. The AECE proposal is geared towards business borrowers. What is important about it is that business borrowers and banks would agree in advance on what would happen if the loan went bad. They agree upfront that certain collateral will be called upon.

Trying to provide more information and greater clarity could be a good thing so that everyone will be clear about what are the consequences when some of these loans go bad in the future.