Mr. John McKeon:

Yes. The deciding officer will take a view on the circumstances of the individual and the circumstances in which the overpayment arose, for example, Department error, fraud or client error. The deciding officer has statutory independence to make that decision.

There is a separate process for debts that are raised, which we consider on an historical basis. With the agreement and sanction of the Department of Public Expenditure and Reform, we review the stock of debt every couple of years. Generally, we examine the age of the debt, whether there has been much engagement with the clients-----