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The Merlin agreement set a collective target for gross business lending by the big five banks (£190bn in total and £76bn to small and medium-sized companies) but it was always possible that some would pull their weight and some would not.
In Brussels in May, the European Union's 15 oldest members each agreed to spend at least 0.51% of their national income on aid by 2010, and the EU as a whole set a collective target of 0.56% of their combined income.
That agreement commits nations to setting their own targets for reducing planet-warming emissions, while outlining a collective target of keeping warming to "well below" 2 degrees Celsius, or 3.6 degrees Fahrenheit.
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The 10 countries of OPEC's 12 that have been allocated production quotas — all except Angola and Iraq — pumped an average of 26.7 million barrels of crude oil a day last month, according an estimate by Bloomberg, or 900,000 barrels a day more than their collective target.
A Paris climate deal is already framed by an impossible goal: a maximum of 2 degrees Celsius, the collective target for warming set by the 2009 Copenhagen Accord.
You can try a starter session at your local club; go on a guided tour; try a one- or three-mile "challenge route"; and log your miles on the website – the collective target is 11,073 miles collectively, the total distance of circumnavigating the British coastline.
Based on data from all 18 funded Paralympic sports (the five-a-side and seven-a-side football teams are financed by the Football Association), a collective performance target range of 95 to 145 medals has been set with 16 of those sports targeting medals.
One of Alexei's fellow organisers, Elvira Le Jeune, said the collective atmosphere reflected their collective target: "Mr Putin is just a small part of a big, big team.
With Tonga, Samoa, Nauru, Mauritius and many other countries also volunteering to switch to solar, geothermal and wind energy, the collective target of the group of 52 small island developing states is a 45% cut in emissions in the next 18 years - considerably more than the world's rich countries who between them have pledged 12-18% cuts by 2020.
At the top of the debate, President Bush was the collective target.
Yet contributions still fell below the 0.7percentt of gross national income agreed on by the United Nations in 1970, and below the European Union's 0.56percentt collective target, it added.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com