Obviously, if we would align to a change in standards, and, yes, it would have an impact on the liability. We haven't made that analysis, and we can't say what the actual rate would be. I can't say it's going to be $40 billion or $50 billion, but I agree there would be an impact on it, and we would align to any changes in the standards, if they decided to go that way
On October 31st, 2018. See this statement in context.