Ms Derville Rowland:

That is correct. We were very prescriptive in terms of the framework and how it should operate and that there be independent appeals with people suitably qualified with consumer-focused membership. A key requirement is to have a chairperson who is a qualified barrister or solicitor with at least 15 years post-qualification experience and has professional experience in assessing compensatory awards. We have prescribed the quality and types of people who should sit and make those decisions, such as those with competent finance backgrounds - qualified accountants, actuaries with at least 15 years post-qualification experience - and also a person with a consumer voice who has competent, credible experience. The more serious cases must be heard by a fully independent board and the cases with lesser impacts - I do not mean to denigrate them in any way - must be heard by a board with a majority of independent members. We wanted to ensure the quality of the independent element in those frameworks.