Mr. Ger Deering:

At present, sadly, it is too late if it is outside of the six-year rule. There are some exceptions to it, but generally speaking if it is outside the six-year rule when the product was sold we are unable to deal with it. This is why the conversation that happened earlier, and the proposal to extend the six-year rule, is so important. As the Chairman rightly outlined, it is often too late and beyond six years before people realise what they thought they bought was not what they bought. We must differentiate sometimes between non-performing and mis-selling. They are quite complex sometimes.