Mr. Fergus Murphy:

There is a lot in what the Senator is suggesting. We are currently operating in accordance with what is prescribed by the Central Bank. In time, as we proceed with administering 1,500 cases per month in the next six months, we will get better at processing the SFS and customers will get better at filling it out. We have hundreds of staff throughout our network who are trained to evaluate and challenge SFSs and ensure they are properly completed. We are getting better at helping customers to complete the statement.