Mr. Ger Deering:

We are quite happy to do that, and indeed we have done it. We have done it occasionally for oral hearings. There is another side to that in that sometimes people do not actually want the mediation in their own area, because if it is known that a financial ombudsman gig ended up in a local hotel, people do not necessarily like that. Sometimes people prefer it, but it is something we will look at in the long term. Senator Horkan was going through some figures earlier, and perhaps the most unbelievable change is that up until 2016, 99.9% of service providers refused to engage in mediation. We resolved 70 complaints in 2015 through mediation and eight in 2014. We have resolved approximately 2,270 complaints through the new process in 2016.