<s>[INST] The next text is a question of a member of the European parliament:"Usury has reached alarming proportions in the last few years. The number of Italian families brought to ruin by loan-sharks rose from 80 000 in 1987 to 342000 in 1993.  In 1993 loans totalled around LIT 3 900 billion, and interest - which ends up in the pockets of loan-sharks - now amounts to around LIT 3 500 annually as opposed to LIT 820 billion in 1987. The rate of interest varies from a monthly minimum of 4% to a maximum of 12,5%. The interest rate usually doubles if borrowers are unable to meet the repayment deadline.  Great attention must be paid to the spread of crime in the clandestine money market.  Can the Commission provide any statistics on usury in the Community? Can it set up an  ad hoc monitoring unit to coordinate all anti-racketeering measures and keep a tight watch on the phenomenon?"
Analyze carefully the text and assign it to the most relevant policy area among those listed below. Do not explain your answer and return only a number.
Policy area numbers: 1 = Macroeconomics
2 = Civil Rights, Minority Issues and Civil Liberties
3 = Health
4 = Agriculture and Fisheries
5 = Labour, employment and pensions
6 = Education
7 = Environment
8 = Energy
9 = Immigration
10 = Transportation
12 = Law and Crime
13 = Social welfare
14 = Regional and Urban issues and Planning
15 = Banking, finance and domestic commerce issues
16 = Defence
17 = Space, science, technology, and communications issues
18 = Foreign trade
19 = International affairs and foreign aid
20 = Governance and government
21 = Public Lands, Water Management and Territorial Issues
23 = Culture and media
[/INST]. Answer = [12]. </s>
Usury has reached alarming proportions in the last few years. The number of Italian families brought to ruin by loan-sharks rose from 80 000 in 1987 to 342000 in 1993.  In 1993 loans totalled around LIT 3 900 billion, and interest - which ends up in the pockets of loan-sharks - now amounts to around LIT 3 500 annually as opposed to LIT 820 billion in 1987. The rate of interest varies from a monthly minimum of 4% to a maximum of 12,5%. The interest rate usually doubles if borrowers are unable to meet the repayment deadline.  Great attention must be paid to the spread of crime in the clandestine money market.  Can the Commission provide any statistics on usury in the Community? Can it set up an  ad hoc monitoring unit to coordinate all anti-racketeering measures and keep a tight watch on the phenomenon?