An example of illegal use of undisclosed soft dollars might be when a mutual fund manager pays commissions to a broker-dealer and in return the broker-dealer provides furniture for the fund adviser's use. Likewise, the adviser to a registered mutual fund cannot send brokerage to a wire-house for providing "shelf space" and marketing favoritism for the family of funds. Such brokerage arrangements, where favors are traded in exchange for institutional clients' excess commissions have been criticized by securities regulators. Full-service brokerage bundled commission arrangements involving the exchange of brokerage firms' undisclosed proprietary services provided for institutional clients' brokerage commissions (paid in excess of a fully negotiated execution-only commission rate) can create conflicts of interest. The lack of transparency in these full-service brokerage arrangements may shield abuses from immediate detection.