Being phased in over five years would definitely be a solution. What would happen is it would give time for the banking industry to decide how they are going to interpret it. What amendments would they have to make to their entire lending process? It's not just having a relationship and saying, “Okay, let's just waive this exclusion”.
This is going to become legislation. It's not going to be based on a relationship. It's going to be based on how they need to follow it. There are regulations in place for lenders, and they will have to follow them, just like how they deal with the calculations of their borrowing base where they deduct payroll, taxes and pension costs. It's clear legislation, and it's all part of the borrowing base calculations.