Mr. Padraic Kissane:

I will address the appeals process within Permanent TSB, because it is the furthest down the track, to use an appropriate word. I had an uphold ratio of 75% in the Financial Services Ombudsman's office. There are two panels, the customer appeals panel and the independent review panel. The independent review panel is for the serious loss of homes, threatened repossessions and cases with a more severe impact and with a legal issue going on at the same time. Of all of the appeals I have brought to the independent review panel, 100% have been resolved. They have not all been resolved to my satisfaction but they have been resolved. Of all the appeals I have brought to the customer appeals panel, one, through fatigue, accepted her position, and 100% of the rest have been declined. I leave it to the Deputy to make an assumption.