Mr. Ger Mitchell:

Again, the bank would not be fully au fait with the entire circumstances of each customer. We would not have current accounts for probably over half of our mortgage base and, therefore, we would not be familiar with exactly where they were. Hence, we set up the customer appeals panel. As I mentioned, some 278 appeals were lodged. The customer appeals panel found in favour of 34 cases. The average redress for what has gone through is 26%. That is the amount of redress paid out in compensation overall.