Ms Mary O'Dea:

Well, I think the model that the board adopted was that the enforcement focus would be on the consumer area and that was an early decision. So it didn't surprise me that there wasn't any enforcement action. And I think in the case of one particular issue that came to the board, as I recall it, rather than dealing with it as an enforcement action with the fining type powers, it was dealt with by way of an additional capital requirement for a particular firm. So that would have been dealt with in that way but the model that was adopted was that the enforcement actions would be predominantly on the consumer area.