Mr. Kevin O'Brien:

As Ms McEvoy said, in our thematic investigations and supervision, generally we look at these issues on a systemic basis rather than on the basis of individual complaints. The bank does not deal with individual consumer complaints, as such. In terms of our broad approach - which includes communications, the supervision work we carry out, updating the general public and so on - we try to capture feedback from the broad set of consumers but that individual complaint piece is not specifically part of our mandate. As the Chairman knows, that is a part of the job of the FSPO.