Ms MaryRose McGovern:

There is also a circular for public bodies when it comes to complaints about pension entitlements and the timeline mentioned there is about three months, but it recognises that, sometimes, to get behind those figures and figure out exactly what is going on, it does take a little bit of time. I am sure the Senator will understand that, certainly over recent years, we are in a very dynamic landscape, if that is not too optimistic a phrase, when it comes to pensions. There is an awful lot going on, including the IORPS II directive, which is pulling all of those smaller schemes into master trusts. I know single member schemes are not yet covered by that and they will not be until April 2026. The pan-European pension products, where if you are working in one member state, that pension is portable across the board, essentially, is another. There is also the auto-enrolment retirement savings scheme, so there is an awful lot going on. Even without those, where a person is raising a query about entitlements going back over a number of years, if somebody is to look at that and give it proper attention, it probably does need a little bit of time.