To reduce impediments, the Board has decided that the application process should focus on the analysis of the effects of a specific proposal, and should not generally become a vehicle for comprehensively evaluating and addressing supervisory and compliance issues. Rather, the latter can more effectively be addressed in the supervisory process.
Just to distil it into the basics, you talked about how this was a significant change in the forecast that had produced this change. The change was a reduction in the forecast on the order of 0.3.