Mr. John O'Beirne:

From our perspective, I think we are supportive of the rules. When they were introduced it was challenging to start to manage that process because for the first time it introduced a checkpoint after a mortgage was approved and before it drew down. However, as time has gone on we would certainly look to see how we can manage that in as clean a way as possible and as we look into this year, our intent is to make sure that we try to keep available exceptions throughout the full course of the year.