They have subject limited statutory duties in the insurance companies act, but the fact they're subjected to duties in the same way that the  underwriters, the  underwriters are subject to duties does not make them regulators, but in any event even if we were wrong on that there is no exemption under article eighty five, one for regulators and, and your Lordship has seen a number of cases and I shan't go back to them  is fully subject to the competition rules whether as a regulator or not.