作为门外汉，与自己将来贷款有关，google了，找到如下： One of the key proposals is to calculate SIBOR using the following waterfall methodology: (i) transactions in the underlying wholesale funding markets, (ii) transactions in related markets, and (iii) expert judgement. The inclusion of other wholesale funding transactions reflects the structural shifts in banks’ funding sources. This waterfall methodology will also provide greater clarity and facilitate consistency across panel banks that submit input for the calculation of SIBOR. Discontinuing 12-mth SIBOR. 问一声这是啥意思？