Ms Oonagh McPhillips:

It had to do with the circumstances at the time. Everyone will recall the troika's priorities and the pressure to deliver on same. The Department did deliver on them.

The system is not perfect, but large elements of it are working fine. In fact, the piece I mentioned in terms of the interface with the courts is unique in its approach. The court based process for insolvency is paperless with things being done on screen, just as the committee does things on screen. It was a choice made at the time to make sure it could be done as easily as possible.