Mr. Ger Deering:

Yes, if I make a direction in respect of that particular aspect of it and if it affects that complaint. I can only make a finding or a direction. For example, last year, I dealt with an insurance claim where there were certain provisions in the policy which stated what it would do in the event of something happening. The person had to claim on the policy and was told that the company did not do that anymore. I directed the company to take that out of its future documentation but I also reported that to the Central Bank for fear it would be something that is happening more broadly. The distinction I am trying to make is that I cannot make a broad sweeping regulation that applies across the board.