Mr. Charlie Phelan:

I shall give a clear answer in as far as I can. Let us remember that the letter that we issued asked people to respond to us within 21 days. In the normal course of events, under the code of practice, what we would expect is for somebody to come back and confirm whether he or she has an issue. Let us say a person confirmed he or she has an issue and thus needs 60 days, the 60-day period does not start at the beginning but at the time the person confirms he wants to avail of the period in order to make a voluntary disclosure.