Most probably, the next shock will be something different again, one none of us have predicted, which is why we conduct our annual stress tests, and place the emphasis we do on strong balance sheets. While our work is never done, we can take pride in the steps taken.
I am confident our financial stability approach has strengthened, the foundations are more solid, and most of all our broader sector and industry engagement stand us in good stead to keep learning from one another. Lastly, I want to thank my team and colleagues for the shared endeavour, the wisdom I have gained from them, and the fun we have had together.