Yes. She would be able to put that in her bank. That's exactly a good analogy and one that we use often. She would put that credit in her bank so that if she did bring forward a regulation that increased administrative burden, she would be able to use that amount from her bank as her offset.
Yes, she would be able to bring in an additional burden because she would already have an offset from the regulatory co-operation initiative that's been undertaken with her partner in the U.S.