Ms Mary Burke:

At a more strategic level, at the level of the authority, I don't know it was ever made that absolutely definitive that sanctions were only for consumer policy and they were not for prudential, but certainly if you look at minutes of certain authority meetings, you will see - and it may even have made its way into strategy documents, I can't recall - that there was a view that they were primarily consumer and that they would only be for the most egregious issues on prudential.