Ms Dorothea Dowling:

Yes. There are several pieces in that Act alone as well as in the PIAB Act. In the civil liability Act, they have to be activated, such as setting a discount rate, as they do in England, mediating conferences and strengthening special offers. I have gone through some of them in the recommendations. The idea of the central database is that all settlements have to be registered somewhere. The Central Bank produced an analysis of settlements and found that the average settlement had gone up by only 8%. When one has the data, one can come up with something very-----