RE:Anticipating Banking RenewalLots of options and I agree it will be interesting. One big issue is that they have a significant sum of money that they borrowed from the government at very preferential rates. You might recall that OBE tried to buy them before they signed that deal so as to maintain the freedom to pay dividends or do share buy backs. Both of these are prohibited under the government loan. The offset to that is it is very cheap financing. I believe they have it for 5 years so some decisions need to be made. Freedom for much higher interest rates. I don't know if there is any middle ground on this trade off but if they are not where they need to be on debt repayment, they can keep the government loan without any ROC plan. I believe the debt could stay outstanding for 5 years. My guess is that we are still 9-12 months away from them paying off the debt so we may have to wait on ROC plan for up to a year. I don't want them paying out Capital until their balance sheet is pristine so I would be good with that.