I thank the Senator for amendments Nos. 1 and 11. The issue of the standard of proof to be used by the determination panel and the appeals officer being "on the balance of probabilities" has been raised by industry on a number of occasions, including on Committee Stage in the Dáil and on previous Stages in the Seanad. It was also raised during pre-legislative scrutiny. The legal standard of "beyond a reasonable doubt" is almost entirely confined to criminal trials and is not applicable to proceedings of a civil nat…