Mr. Frank Daly:

On the NIAC question, it is our understanding that the names of Frank Cushnahan and Brian Rowntree were recommended to the then Minister for Finance, Brian Lenihan, by the Northern Ireland Department of Finance. Sammy Wilson was the Minister at the time. That was the process. The Minister referred the names to us and we appointed them to the board.

On the Deputy's question about complaints, I might hand over to Mr. McDonagh.