Ms Derville Rowland:

We are here in the main talking about the methodology and the approach which focuses on getting redress and compensation to customers, if I could call it the supervisory approach. However, separate to that, there are two enforcement investigations open and under way, the names of which are in the public domain. There are two more that are in train and more are going to follow. They follow their own particular methodology which involves document acquisition and witness interview in the way that an investigation requires.