We're still looking at it, so I don't really know at this point specifically how we are going to deal with it. We're not only looking at our securities portfolio, but our loan portfolio as well. You have to look a the maturities of different assets when you decide which category to put them in.

We're doing the evaluation ourselves mostly, but we're also having our outside accountant look at it. I don't want to comment on whether [the rule] is good or bad. It's just a matter of becoming familiar with the rules and how they apply and how the regulators are going to treat your decisions.

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