"The regulator concludes that so much weight on one grade in one subject as part of accountability and performance measures created perverse incentives for schools in the way they marked controlled assessment and led to the over-marking, " the report says.

BBC: GCSE English: Teachers' anger over generous marking claim

In its latest incarnation, Fenelon's window regulator is less than half the weight of the arm-and-sector design, 2 pounds rather than 5.

FORBES: Magazine Article

But Lloyds believes that the probability of these loans going bad is negligible, as I have already mentioned, so its own regulator-approved risk model attaches a risk weight to the loans of 2.2%.

BBC: Are banks taking dangerous mortgage risks?