Mr. Padraic Kissane:

That is what I am coming to. The redress letter is about the account, the appeals process is about the people. The bank can only compensate based on the account. In an appeals process, claimants do not bring an appeal about an account. The appeal is about the people involved. If a case involved a husband and wife with three children, there are five appeals relating to one account. That is the easiest way of explaining it.