Perhaps it is too early for me to make an adjudication on that matter because offers are still being made to people and payments are being made.

On compensation and redress, if people feel that what they have been offered is not satisfactory, the Central Bank has designed an appeals process that it has tried to make agile to allow people to go through it quickly. People can enter that if they so wish, but it will not get in the way of money they have already received. If people have received a payment - even if they are not happy with it - they are entitled to do with that payment as they see fit. I have also made a change, or will be making a change, to the level of the awards that the Financial Services and Pensions Ombudsman can increase; I have doubled that to €500,000.