Mr. Con Horan:

At two levels. So there was the general guidance coming from the authority at that stage was ... literally the administrative sanctions was coming on stream, and taking over a year to get developed and develop the systems. What each department was asked to do at that stage was to go through all the legislation that applied to their particular area and try and rank the issues in terms of actions where sanctions might be contemplated. But at that point, as I said earlier I think, was that the decision of the authority at that stage was we would focus on the consumer issues. The chief executive would prepare a plan as to how eventually things would be rolled out, but the prudential was not given the same prominence at that point.