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.
On April 30th, 2009. See this statement in context.