Mr. William Prasifka:

In those circumstances, of course, there is a High Court decision which indicates that there is no tort in Ireland of reckless lending, which we have to take on board. Second, I have to say that in my experience over four years, the number of cases of complaints of reckless lending is less than one can count on one hand. It is not an issue that has driven complaints. In terms of small businesses, restructuring and issues that have come up in the United Kingdom, our jurisdiction is limited to eligible consumers, namely persons in companies with a turnover of €3 million or less. Therefore, larger businesses cannot make a complaint to the Ombudsman. In my experience, we have not seen this as a significant source of complaints. I cannot say it has not happened but it is certainly not something which comes to us in any great volume.