Mr. John O'Connell:

We are still seeing people leaving those banks on a weekly basis because we monitor it. It is very hard because the banks are very opaque with the numbers. There is no doubt, based on information from their websites, that they are recruiting. However, they are also letting people go. It could be a zero-sum game for all we know. This comes back to the transparency issue. What are their staffing levels on 1 January 2022 and what are their staffing levels today?