Ms Kate Halliwell:

Generally speaking, what usually happens is we correspond with the individual during the review period. We allow for a three month period prior to the card expiring. At the end of the second month, the individuals receive a second piece of correspondence advising them the cards are due to expire and asking them to engage with us. At present, we do not correspond over the phone with these individuals due to volume, as Mr. Ryan has said. Generally, we review up to 15,000 cards a month so the capacity to undertake that role would be huge. We could pull the figures on non-response rates for the committee because it seems quite low at present. People are engaging with us. We can provide a written submission if that would help.