Mr. Jim O'Keeffe:

I can confirm that there is. As we face into this, there is some difference in that when we were going through Covid, there was a systemic hit right across the board as regards salaries and income. In this case it is peculiar to individual customers. We still have more than 1,000 people in our financial solutions group who are able to deal with customers in that regard. That is working well for us today. It is unfortunate in a lot of ways, but we have built up a real core competence on that side of the house. We have technology, websites, etc., to support customers as they come through. It is something that we, no more than members here, are watching very closely to ensure we have the right supports in place.