That would be the rough impact.
In terms of the default rate being low, I think this is meant to be preventive. We don't want to implement policies while the default rate is really rising. That probably would be problematic. I think we want to put the policies in place before we have to deal with these problems. I'm sure the U.S. would have liked to have had these policies in place before they dealt with the subprime crisis. I think the idea of prevention, which we've seen since 2008 with different governments introducing different macro-prudential measures, is important.