Change #3

--- a/document.txt
+++ b/document.txt
@@ -12,8 +12,9 @@
 The capital adequacy framework requires all licensed
-institutions to maintain a minimum Capital Adequacy Ratio (CAR) of 8%.
+institutions to maintain a minimum Capital Adequacy Ratio (CAR) of 10.5%.
+This revised requirement takes effect from 1 January 2026.
 All banking institutions must comply with the revised
 requirements within the stipulated timeframe.
@@ -45,5 +46,5 @@
 The reporting frequency for capital adequacy returns
-shall be on a quarterly basis.
+shall be on a monthly basis effective immediately.