Ms Marion Kelly:

Clearly, we are not a regulator, but one of our clear raisons d'êtreis fairness and transparency. If there is an issue of a lack of fairness and transparency, that is clearly something we should and could look at. As the chairman has mentioned, we are setting up a working group with the legal departments from the different banks. One of the things we want to explore in that process is that while the letter of the law may say one thing, what is the right thing to do by customers. This might be a good example of something that we could look at in that context.