so if the law was clear  that in those circumstances they should have been on notice and should have therefore watched where the money was going, there wouldn't have been a problem and are we not saying that legitimate stock lending which i think is what is about is suggesting, if carried on properly on the market, would be all right, but if it immediately goes off market into the back doors and back rooms and people can't see what's going on and the financial institutions take part in that, then they are doing something that un undoubtedly is probably going to cause loss to pension funds and shouldn't there be a clear law which makes them liable in those circumstances.