Thank you, Mr. Duvall.
I think when I talk about that and when I look at a three-year delay or some amount of time—I don't know if three years is the correct amount—there does have to be a reordering of the agreements between the borrowers and the lenders. That has to occur, whatever time that takes.
I don't like the idea of saying that it only starts to happen after three years. It goes into effect now and they have three years to make the adjustments, so that you don't legally get into the situation of it being enforceable for three years. You don't give them three years to enter into long-term agreements that would avoid having to fall under the regime of the law. The regime of the law will be there. You have three years to structure yourself to be prepared for it.
I'm not a lawyer who writes legislation. I don't know how you would write that, but that's the meaning that I have.