I think there are really two aspects to it.
Generally I think the first aspect is making sure that in introducing new regulation there's proportionality in terms of the costs it's imposing and the benefits it's achieving. I think the second aspect of it is not so much about whether there's additional regulation but about the nature of that regulation. In other words, it's about making sure you get it right in terms of how we require institutions to do certain things so that we're achieving the objectives in a way that minimally impairs their business objectives.