;"One year lag";"Two year lag";"Severity of fines";"Financial sector";"pre- and post-financial crisis"
EBRR;+;;;;;;;;+/-;/-
ES;;;;;;;;+;;
RES;-;-;;;;;-;-;;
EVOA;+;+;;;+;+;+;;;
WD;+;+;;;;;;;;
"FE: id";X;X;X;X;X;X;X;X;X;X
"FE: time";;X;;X;;X;;X;;X