Ms Jane Howard:

I expect the vast majority of colleagues will leave this year. There will then possibly be a few hundred who will leave during 2024.

We have made great progress, but there is still considerable work to do. Even after we have helped the vast majority of our customers to move, there will still be vulnerable customers we need to help. As to the earlier question, we may have customers with overdrafts who need support. There is still considerable work to do to finish this well.