Professor Philip Lane:

The Central Bank signalled to this committee that we were not happy in our report in October 2017. We had what we described as disputed groups which we felt should have been part of the scheme, which various lenders were resisting. Up until the middle of December, our work was on bringing those disputed cases to conclusion. We have now concluded that all of the groups of customers who we believe should be in the scheme have been brought in. It remains for the Central Bank to follow up in respect of implementation and check that each case that should be in is in. We are keeping a very close eye and carrying out active, intrusive inspections to make sure that the follow-up occurs. In respect of the pinpointing, all of the groups we think should be in are in. We are now in implementation, execution and follow-up mode.