Mr. Liam Sloyan:

It is important to note in this instance that fraud is a criminal matter, so it would be a matter for An Garda Síochána and for the courts. We look at the conduct of the financial service providers. We do get some complaints whereby a customer is of the view that he or she was defrauded. Again, that would be a matter for An Garda Síochána. The person may have a view that there was something about conduct of the financial service provider, somewhat related to his or her experience, and that he or she has a complaint. It is that element such people are bringing as a complaint to us.