Mr. Ger Deering:

I cannot review that particular decision. However, there are mechanisms now because two things have happened since then. Legislation has been extended to give us a longer period. Parts of some of those complaints would have been allowed but very important parts would have been ruled out. The sale of a tracker mortgage might have been more than six years ago. It is the sale and what happened at that stage that could make a difference, so some of those elements of the complaints can now come back in. The point I was making earlier is we will accept complaints. It is the reason we have put complaints on hold, because we will consider as part of the complaint how the bank dealt with the Central Bank examination. In certain circumstances it may be possible to look at some of those complaints again.