Mr. Derek Rafferty:

I am not saying they are getting 100% redress. I am just clearly stating what the current scheme does. It covers 100% of the work up to a certain figure. I am not saying 100% and I have just said that the rates interact with this. They may end up with a lower amount. We do not have any visibility and I accept what the Chair said earlier about possible examples. I have been given anecdotal examples myself when I have spoken to homeowners.