Mr. Ed Sibley:

In and around that period. There was engagement in 2010 and 2011 and there has been engagement through this period up to 2015 and the date of the system-wide review. As the Governor referred to, there was a limitation in terms of our ability to use enforcement powers at that stage because of the court case. We were engaging with banks during that period and trying to make sure that the issues were investigated to the extent that they were known about and that they were being addressed but the ability of the Central Bank to drive the behaviour was curtailed because of the court case. As soon as the court case was concluded we moved into a different phase where we are now fully driving the redress. As a result of the Central Bank actions, albeit regrettably after consumers have suffered detriment, that harm is being stopped and redress is being paid.