Mr. Padraic Kissane:

I can only guess as to the answer. I have five staff who work extremely hard. We handled over 100 appeals in respect of PTSB and will handle more than 130 appeals regarding AIB. We work extremely hard for very long hours. The calculations and papers have to be checked. If I had 200 staff to run the process, a lot would be done. The system dictates what is redressed and what people have been overcharged and staff are not needed for that. The 200 staff are probably working in a process that started off as being defensive rather than receptive and I am not certain that has changed.