There are a couple of issues around there that you've identified. As I tried to make clear in my opening remarks, unfortunately what the mandate of the agency is is to apply the disclosure provisions, the provisions that relate to consumers and the consumer protection provisions. I could summarize those provisions by saying that they are essentially around the requirement for institutions to clearly inform and disclose to their customers what the relationship is. The agency does not have any kind of mandate in relation to actual levels and setting of levels, so there is nothing I can do with regard to changes in interest rates. All I can do is ensure that they followed the rules that were set out in the law and in the regulations.
On February 25th, 2008. See this statement in context.