David Geale: That is exactly what we have asked the industry through our consultation. I would suggest that the framework is flexible enough to allow that sort of advice, now, but that is what we have asked the industry. Do they understand that? Is there something that does need to change to enable that to happen within European constraints?
Our advice standards are largely driven by Europe, but actually our interpretation is that the firms can do these things; but if there is more we need to do to help them understand what is possible, then we will do that.