Mr. David Duffy:

The nature of anything we do is on-shore. Before all of this technology cycle hit, we undertook to have an external party do an independent and robust review of the resilience of our payment systems, which is of particular sensitivity. We are also taking and have taken decisions at our board on the level investment in this area, to ensure we have the resilience required for the our operating model. As the largest payments provider in the country, we take this responsibility seriously. It is not necessarily a correlation to say outsourcing happens with technology and, therefore, there is a lack of resilience in payment systems. We will deliver resilience in our payment system.