Mr. Ger Mitchell:

That is why we set up two different panels. One panel was set up for customers who did not lose the home or property and for customers who were not at an advanced stage of the legal process. The cap for that customer appeals panel was €35,000. That panel could refer difficult cases to the independent review panel, which was set up separately. The independent review panel has an autonomous threshold of up to €250,000 to make awards to customers.