From a regulatory standpoint, I don't think so. I think that's one you let the market deal with. If as a dealer I have a cost of funds of 5%--and I'm just making these sums up--and if I'm willing to take the risk or if I want to transfer it over and my cost of funds is 6%, I have a economical decision I have to make. If somebody else wants to take that risk, they get the return. So you almost let the market decide it.
