Ms Oonagh McPhillips:

I will explain what one will find if one looks at those cases. Various options are available to people as they go through the process. After someone has made a case to PeoplePoint, the matter goes to the human resources side to check whether he or she has a serious illness, for example. Obviously, a different approach is taken if he or she has a terminal illness. Differing approaches are taken depending on the person's age and the amount of the overpayment. In the case of an employee who has 30 years of service ahead of him or her, a certain approach might be taken in the case of a small overpayment. The actual plan is only deemed to be in place at the end of the process of putting a plan in place.