but that we get a balance right between the amount of regulations an and the cost of it but that it is in a sense, effective and and the plea i would make to my honourable friend when he considers this p i a prospectus and what should be done and wh to what extent the government feels it should support it, is that what we actually want is not a specific requirement that says you've got to have this much, that much capital erm and so on, but that there is  a function, there is a regular audit trail, there is a a regular, annual look at the figures, the accounts of all these intermediaries, er and firms where the difficulty has been  er in the past.