Mr. Mark Garrett:

As my colleague Ms Eleanor McKiernan pointed out, the significant area of caveat emptor - the idea of "buyer beware" - is a significant change in what is proposed here. The question is about doing that consciously. Doing that and understanding its consequences is a significant part of what we are questioning here. There is no doubt about that because if that is the fundamental shift in what we do, we will look to be very clear that this is the case.