<s>[INST] The next text is a question of a member of the European parliament:"In a recent court case in Spain it was deemed that an individual who was mis-sold a timeshare was not subject to the same safeguards as provided for in Timeshare Directive2008/122/EC. The court’s decision said that, because the individual was not deemed to be a consumer — as they were seeking to resell the timeshare — they were not covered by this directive.   Can you provide clarification on the use of the term ‘consumer’ in this directive, in comparison with Timeshare Directive1994/47/EC which refers to ‘purchasers’?"
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 = [15]. </s>
In a recent court case in Spain it was deemed that an individual who was mis-sold a timeshare was not subject to the same safeguards as provided for in Timeshare Directive2008/122/EC. The court’s decision said that, because the individual was not deemed to be a consumer — as they were seeking to resell the timeshare — they were not covered by this directive.   Can you provide clarification on the use of the term ‘consumer’ in this directive, in comparison with Timeshare Directive1994/47/EC which refers to ‘purchasers’?