Mr. Bernard Sheridan:

In that example, we introduced our consumer protection code in 2006 and that is the basis for how banks should deal with their customers. We are able to go back that far. It depends on the issue. We have to investigate whether firms comply with the various requirements and that is linked to when the requirements first came in. For the tracker problem we are going back to when trackers first came into the economy. We are not time barred other than looking back to 2006.