Ms Derville Rowland:

I talked about a two-pronged approach earlier and the information being garnered in the course of the supervisory examination. I tried to make it clear that the supervisor's focus is on getting the reports in, looking at the numbers of groups that are identified in those reports, looking at the schemes and their quality, and challenging and externally checking those details. All of that yields quite a lot of information but it does not yield the full picture. All of that feeds into the enforcement case as the starting point for what regulatory breaches one thinks may or may not have occurred. One platforms from that because then one has to go deeper in a different direction. It would slow the supervisor down if he or she had do that level of a forensic acquisition of information because he or she would not get to looking after getting the redress for people. The supervisor would have to stay in the data, the data analytics and that information trawl for longer so it is best to have two teams. All of the information that is yielded by the examination is very fruitful for the basis of the enforcement case.