Ms MaryRose McGovern:

I cannot say that we have seen any complaints that concern that idea of the overall value exceeding the threshold. In fact, again, that is probably back to those policy decisions as to how and what. We do not make the rules but simply operate within the landscape of the rules. When it comes to the single scheme, the Senator's question has reminded me that in 2021 we referred one decision to the Pensions Authority arising out of a failure of a pension provider to issue annual pension benefit statements. That may sound like a small thing, but for individuals who are trying to do their best to forecast where they are going to be in a number of years' time and are trying to do their sums and, potentially, invest in additional voluntary contributions, AVCs, or take other action, getting that annual benefit statement is critical. It was for that reason that we referred that decision to the Pensions Authority. On the wider policy piece, the FSPO does not have a role insofar as we offer this impartial dispute resolution process.