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In a separate development, Barclays has had to set aside £500m to cover the cost of fines that will likely result from an investigation into the alleged rigging of currency markets.
The cost of fines, legal bills and customer compensation racked up by the world's 20 biggest banks over the five years to the end of 2015 amounted to £252bn, according to new research.
Gillian Guy, the chief executive of Citizens Advice, said: "For people struggling with the day-to-day costs of housing and heating, it can be difficult to cover the cost of fines.
Responding to what the speaker said was "a wave of complaints" about letter grading, the Council posted a questionnaire on its Web site (www.council.nyc.gov) asking the city's 24,000 restaurateurs to share information about their experiences with inspectors and administrative tribunals, and the cost of fines and inspection consultants.
Further scrutiny of this data by UBS bank analysts concludes that the total cost of the scandals is 20% of the stock market value of banks and the equivalent of five years of dividends wiped out by the cost of fines, redress and other writedowns.
If, however, I am fined as punishment for a crime, that fine is intended to be burdensome: that is why many sentencing authorities aim to proportion fines to the offender's means, to ensure that both rich and poor offenders are burdened fairly and proportionately; and that is what is wrong with the idea that one might take out insurance to cover the cost of fines.
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Such is the cost of fine art.
The cost of fine Swiss-made goods, from watches to precision machinery, has gone from eye-popping to eye-watering, and Swiss companies are warning of peril.
"Entrees Break the $40 Barrier, and, Sorry, the Sides Are Extra" (front page, Oct. 21) seems to have covered the ever-increasing cost of fine dining from all angles except one.
This strategy helps to understand the contribution of the different kernels to the total energy consumption of applications, as well as to distinguish between the cost of fine-grain components such as arithmetic, memory access, and overheads introduced by, e.g., multithreading or reductions.
Whenever an offender is caught, k is the cost of fining that agent.
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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