kokou: absolutely.hallenges for central banks has been the diminishing returns of their monetary policy when it comes to negative interest rates for example, and the negative impact it has on currency. i think what mark carney has done is very interesting going into regulatory easing. he has taken down the capital requirements for banks by 0.5%, which led to 160 billion pounds of lending capacity. this is probably the new thinking out of the box with monetary policy. caroline: vernon, how much lending have you been doing since the brexit vote, versus before? have you seen an uptick? has this been an opportunity for you? vernon: it has only been a couple weeks. we have not seen a huge change. our growing rates are going up, ntot down. remember, this is a very large market but a lot of market shares to take. i would say, it is pretty much the same as it was before the vote. see: what would you want to in terms of opportunities for regulatory change for your own bank, vernon? you think it is time to the le