Very briefly, if you don't want to come back in five years and say, we have administrative penalties now, and they're not really working, make them minimum penalties, not maximum. If there is a maximum penalty of $25,000, then you'll see the commissioner levy penalties of $500 for the next five years. Set some standards for various violations such that there will be minimum amounts paid, for sure, and require her to impose them.
On February 9th, 2012. See this statement in context.