Mr. Ger Deering:

We would not necessarily have looked at those kinds of issues at a global level but where they arise in an individual complaint, for example, if somebody felt that he or she was unfairly induced or something was offered, we would look at the circumstances, how the information was presented to the person and how the matter was dealt with. It is not, however, an area that we look at. That is more a matter for the regulator. It is not something that we have been looking at on a global level.