Ms Mary O'Dea:

There's one further thing I will add and I won't repeat what I've already said which is that enforcement in relation to banks ... previously the thinking on that was that if you took enforcement action in the public domain, that that would have such serious and negative implications for the bank, that that enforcement action would outweigh whatever it was you were trying to enforce. So that was a separate issue but the predominant issue was in relation to the model.