I would say at this point that the best way to characterize it is that it has really overshot. You can understand why. The problem is that since 2008 and the subprime crisis, there have been over 60 changes to the financial system in recent years since then. The stress test, this last one, was probably the most dramatic of them all, while the other things were compounding.
When you look at it, you see that all of this policy change is now overshot, and it's really time to adjust. The market has changed and conditions have changed. It's time to change the policy accordingly, and it's very doable.