Ms Isolde Goggin:

One of the measures that we would like to see is the ability to impose civil fines, those being, fines imposed based on the civil burden of proof, which is the balance of probability, rather than on the criminal burden of proof, which is beyond a reasonable doubt. The latter is very difficult to achieve as regards white collar crime. It is also an expensive way of operating. For example, it took us two years to investigate the flooring cartel, with 200 separate investigative actions in total and 41 witnesses lined up. That is a significant expense.