Ms Francesca McDonagh:

I cannot give the Deputy an exact number but it is around 65% or 70%. We have fewer people today than we have had in the past. I have gone on record and said that. We are likely to have fewer people in the future than we have today. That can be managed in number of ways. One of the things I did early in my tenure was implement a headcount freeze so that we do not automatically backfill vacancies. That is one way of reducing headcount. If vacancies are in the front line, speaking to and supporting customers and providing services, they are backfilled. With regard to other roles, I am questioning whether we need to recruit for every vacancy. That is one way we have been able to manage our headcount costs that does not necessarily have a negative impact on individuals.