The desired maturity profile is taken into account in policy articulation and clearance of individual cases. The average maturity of our ECB, as you may be aware, is five years. Basically, considerations of the size, cost and maturity are embedded in the clearance mechanism for ECB. Thus, the ECB policy, though it is being liberalised gradually, will ensure built-in measures towards an optimal maturity.
The supervisory and regulatory framework established by Gramm-Leach-Bliley is a logical extension of the development of bank supervision in this country. The Board has moved assertively and flexibly to implement the full intent of the law, and we are focused on controlling risk exposures at insured depository subsidiaries of an FHC.