I don't know that it does anything but antagonize the situation. However, if I were in their shoes as well, I might want to do it because it's a remedy available to me.

They have failed. Why antagonize them? But they have failed.

Matt hasn't been out there much. He hasn't been in that situation often. However, when it's all said and done, he is going to be a factor.

He's risen to something. But he's still got the dust of the streets on his shoes.

After a particularly volatile year in 2005 for consumer sentiment, we may be entering steadier times in 2006. However, given households' high levels of debt and sensitivity to interest rates, this calm would be dramatically disturbed if interest rate concerns returned.

However, if a situation emerges where we have to deal with banks on the verge of collapse (before the new framework is in place), the current framework will be used.