Professor Philip Lane:

This is why I believe our approach will be more effective, because we are not requiring individual customers to take actions. It is a comprehensive approach whereby all accounts are being examined. Of course, it is helpful for individuals to deal directly with their own banks, the ombudsman and us. It is also very effective to have individuals such as Padraic Kissane and others acting as the voice for people. All of this will help. However, the concept of our examination is that it does not require individuals to take action. In principle, these are comprehensive reviews. Mr. Bernard Sheridan can probably reinforce that.