Mr. Paul Stanley:

The compensation levels are part of the examination process. They have been noted by the Central Bank as part of that process. If customers feel the compensation level is not appropriate given their particular circumstances, they have a right of appeal, including to the appeals panel. They can appeal to the bank and take their case to the Financial Services and Pensions Ombudsman. They can take their case to the courts, if that is a requirement. Therefore, there is a mechanism in place. The levels of compensation are higher than the standard levels of compensation we would normally have across other remediation areas.