Mr. Fergal O'Leary:

Any good regulator will not give a guarantee, but what we, as good regulators, can give is an assurance that the probability is far reduced from what it would have been in July 2023. I am confident that we have a very good picture of what is happening with the 431 AHBs across the country. We continue to refine our processes and to drill deeper. We have plans next year for the large AHBs and getting more information from them. In the context of Deputy McGrath's exact question regarding this not occurring again, that is our focus and what our work leads us to do.