Through those reviews, they identified actual evidence of misconduct and harms identified through the reviews, and I'll list a few for the committee: there was a bank that charged customers for credit card repayment insurance for which the customer received no benefits in return, for example, due to customers being ineligible for the product at the point they were sold it, or because they were sold and charged for multiple identical policies when they would only ever be able to claim for one. The second example: a bank continued to charge deceased clients premiums for credit card repayment insurance and life insurance. Another: an insurer continued charging customers for payment protection insurance after loans had been fully repaid and, therefore, the product provided no benefit for the customers. Another example: poor administration of products leading to overcharging—e.g., increased premiums to account for inflation, but at a rate higher than inflation, as evidenced in the Consumers Price Index. And another: instances of consumers paying premiums over a long period of time for insurance they did not know they had. 