On this one, I don't think there's a huge difference between us. The important point is that we're at least setting up an arm's-length agency to make these decisions. Whether that independent board is going to be able to set rates in a counter-cyclical or pro-cyclical fashion depends essentially on the size of the reserve.
There is some discussion and concern about whether $2 billion is a sufficient initial amount to have as a reserve. I don't have a particular number in mind. I think $2 billion could be enough, but it depends on the rules, the cap on changes, and things like that. That's a detailed design issue; we're more concerned with the principle. At least we're getting the arm's-length agency, and we can build better reforms from there.