If I may, with respect to the fine powers currently in the EU, you're suggesting there are certain instances where it would, perhaps, not be appropriate and that a resolution without a fine may be more appropriate.
In our circumstance, there have been situations where our commissioner has made a finding, the companies simply flout the finding and, in fact, the commissioner then has to go to court or the injured party has to bring an application to court to seek justice.
Do you think it would be appropriate to improve upon our ombudsman model by giving fine powers?