Mr. John O'Grady:

Our estimate was submitted in September or early October 2021. As I said, there was significant volatility but in fairness to our ability to predict, the lines were not vastly different to where they have landed. It just was not funded so we were left with a potential shortfall in the hope that Covid would diminish. That was a reasonable expectation. In the back of the brief, there is some visibility of case numbers during the year. You can see how you would form that assessment in September or October.