"Try making this area here darker, " said Joe, circumscribing the girl's face with a finger.

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Unfortunately, Section 512 has been a failure at circumscribing disqualifying scienter.

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If the FTC can expand its powers under Section 5, he said, it will be doing so under a statute that has none of the limitations of the last 40 years circumscribing the ability of regulators to overreach.

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However, they will be less pleased that Mr Sants makes clear that there is a price for them of winning that argument - which is that he and his colleagues at the PRA will be spending rather more time bossing them around, and circumscribing their activities, than they might like.

BBC: Sants: We wanted banks to hold more capital