We have said we are going to revise guideline B-5. We are working on that now. We are going to our international colleagues and we're saying that a zero percent capital charge is inappropriate for any liquidity line. That is because we have seen that banks bought back or started to support their vehicles. If you are going to be supporting your vehicles, you must have capital.
The whole theory had been that risk was being transferred to investors. That was the theory around the world. But what we've seen in the last nine months is that the risk that banks thought they had transferred actually hasn't been transferred, because banks stepped in and bought the transferred product back.
While we had legal and accounting opinions that the risk had been transferred to investors, we began to realize, as did every other regulator, how important reputation risk was. Once transferred, they would bring it back. They will have to hold capital for any liquidity line going forward.