Ms Derville Rowland:

In the course of this examination, considerable information has been provided to us by professional advisers who are working for individuals, not for the Central Bank, who have been of great assistance to us. I have met some of those professional advisers. My colleagues have certainly met them on successive occasions. We have a lot of information given to us by members of the public. All of that is brought into our consideration of the materials that we scrutinise. We have a lot of information feeds. It is not that the only feed is asking questions of the lenders and receiving information. We gather information from them. We have been using our statutory powers. Then we go in and scrutinise. We take information sources from the Financial Services Ombudsman and many other avenues.