It would have made it more difficult, but the way that Maxwell used to  involve himself in bulk transfers, you know and move, move two hundred pensioners from there to there and er no money followed and this sort of thing, I think that er that he could of quite frankly done exactly the same thing and we really feel that the, that the role of the pension regulator and the and the opposing role with I M R O that, that you really if we're not careful, we're going to put in another layer of bureaucracy and have a pension regulator who's got the task of  of checking a, a hundred and twenty eight thousand pension funds, when really there's probably out of those a hundred and twenty eight thousand, ninety-nine point five per cent of probably being very well  well run and, and quite safe and what, what we can't really see in the report is a  is a method of identifying the determined fraudster at a at a very early stage, you know and we're just terribly disappointed that er that Good has just thrown the whole of, of the matter back at I M R O who we feel have proved to tha that I don't think they're up to the task, I think that the that the whole question of er of the  power of a self regulatory body which to us works on blowing the whistle, you know the whole the whole effect of a self regulatory body is  that it's members that it, it's really like a club isn't it, you know and we're all members of this club and if one of us er is gonna do something wrong, then the rest of us are gonna have to pay for it.