The change is that we will go through a credit lengthening process, again, as soon as we figure out that tightening, as a policy, doesn't work anymore. If I had

The change is that we will go through a credit lengthening process, again, as soon as we figure out that tightening, as a policy, doesn't work anymore. If I had to make a guess, I would say 9 months, at most. Why, just my guess, or it ...