Ms Derville Rowland:

First, we can pursue. Whether one is in the system, the Central Bank in enforcement cases can pursue persons who were involved in the management. That point was fought about in the courts and the Central Bank's view was favoured, which is that we can pursue persons in enforcement cases who were involved in businesses but who no longer are.

The power for fitness and probity is limited to applying to persons who want to work in the system or who are in the system, and we are seeking an extension of that. We keep a record of all of that. We keep flags on information, as is right that we do, about all of that. If somebody wants to withdraw from an application, of course, he or she can do so but if the person ever came back, we have a record of that information and that would be ready to meet the challenge on a successive application.