Mr. Padraig Brennan:

As an organisation, we are as ready as anyone can be. Given some of the figures in the Brexit barometer, a great deal of progress has been made in the industry in the past 12 months. In all honesty, further progress has to be made before the end of next March, but the building blocks are there. It is now just a matter of determining what buttons we will need to press and what will need to be implemented in each hypothetical scenario to be ready to go live. The structure is there, so it is just a question of investing that time. If we reached that point, then it would of course be challenging.