Mr. Stephen Mulvany:

There are many lessons. It is a major transformation project and it has been difficult for all of the staff involved. I commend them for sticking with it. There has been delay, if we think about it. In total, we are approximately 16 months behind what we originally planned a long number of years ago. Most of this is due to a number of external factors. We experienced the pandemic, the cyberattack and major industrial action. Other than that, there has been about six months worth of internal project delay where we had a particularly difficult time after the first series of roll-outs. A lot of lessons were learned from that. Let us say there is a six-month project delay along with a longer delay overall, most of which is external.