Professor Edward Kane:

Yes. If one sees that somebody is pushing the upper limit of whatever benchmark one is using, then that requires additional attention. Similarly one can say the same thing for certain types of loans. If loans for commercial real estate and residential estate are expanding very rapidly, it is likely that the terms are too generous or there is a certain risk of taking a concentration risk. It is a matter of the norms of regulation, rather than saying that we want to be helpful to these firms that are expanding and bringing value ------