Derek Moran
Now i can see how to someone that doesnt make any sense - UNTIL.. "Would OSFI please consider a recalibration of the 20x and 23x maximum assets to capital multiple (ACM)." Operative-word being MULTIPLE.
http://www.osfi-bsif.gc.ca/app/DocRepository/1/eng/guidelines/capital/guidelines/CAR_chpt_let_e.pdf