Exercise Builder

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[{"category": "Cyber", "context": "At 07:45 on a Monday morning the IT helpdesk begins receiving reports of encrypted files and ransom notes appearing on workstations across two sites. Core business applications are unavailable. The attacker demands payment within 72 hours or threatens to publish exfiltrated data.", "default_objectives": ["Activate and test the Cyber Incident Response Plan", "Assess communication and escalation protocols", "Evaluate decision-making under time pressure", "Test data recovery and system restoration procedures", "Assess third-party and regulatory notification processes"], "description": "Critical systems are encrypted by ransomware, threatening operational continuity and data integrity.", "id": 1, "is_builtin": true, "name": "Ransomware Attack", "sample_injects": ["IT team confirms 60% of servers are encrypted", "Ransom demand of $2M received via email", "Media outlet contacts PR team for comment", "Regulator requests a status update within 4 hours", "Backup systems found to also be compromised", "Key supplier reports they cannot receive orders"]}, {"category": "Health \u0026 Safety", "context": "A respiratory illness has spread rapidly within the workforce. Within 72 hours, 40% of staff across all departments are absent. Public health guidance recommends isolation for close contacts. No immediate end to the outbreak is in sight.", "default_objectives": ["Test people resilience and cross-training coverage", "Assess remote-working and reduced-capacity operating procedures", "Evaluate staff welfare and communication channels", "Test prioritisation of critical versus non-critical activities", "Assess regulatory reporting obligations"], "description": "A rapidly spreading illness causes 40% staff absence, disrupting critical operations.", "id": 4, "is_builtin": true, "name": "Pandemic / Mass Staff Absence", "sample_injects": ["Three members of the senior leadership team are absent simultaneously", "A key regulatory submission deadline falls within the exercise period", "A client requests evidence of business continuity arrangements", "Occupational Health recommends further protective measures", "Media enquiry about the organisation\u0027s response to the outbreak"]}, {"category": "Natural Disaster", "context": "Unprecedented rainfall causes flash flooding in the city centre. The primary office building is flooded to ground-floor level, all staff have been evacuated, and access is prohibited by emergency services. The situation is expected to persist for at least 5 days.", "default_objectives": ["Activate invocation of the Business Continuity Plan", "Test work-from-home and alternate-site arrangements", "Assess staff communication and welfare protocols", "Evaluate critical process recovery within RTO targets", "Test supplier and customer communication procedures"], "description": "Extreme rainfall causes flooding that renders the primary office inaccessible and damages infrastructure.", "id": 2, "is_builtin": true, "name": "Severe Flooding", "sample_injects": ["HR confirms 30% of staff cannot access the VPN", "A critical server room is flooded; primary data centre offline", "A key customer threatens contract cancellation due to service failure", "Local authority requests the building for use as an emergency shelter", "Media arrives outside the building"]}, {"category": "Reputational", "context": "A national newspaper publishes an expos\u00e9 alleging malpractice by a senior employee. Social media amplifies the story rapidly. The story is partially inaccurate but contains some factual elements. The CEO is overseas and unreachable for 4 hours.", "default_objectives": ["Test crisis communications and spokesperson protocols", "Assess social media monitoring and response procedures", "Evaluate escalation and decision-making in the absence of senior leadership", "Test legal and regulatory notification obligations", "Assess internal staff communication during a reputational event"], "description": "A damaging story about the organisation breaks in national media, requiring immediate crisis communications.", "id": 6, "is_builtin": true, "name": "Reputational Crisis", "sample_injects": ["Story goes viral with 10,000 social media mentions within 1 hour", "Three major clients call to request immediate reassurance", "Regulator contacts the compliance team for an urgent call", "The named employee contacts HR demanding to respond publicly", "A TV news crew arrives at head office"]}, {"category": "Supply Chain", "context": "The organisation\u0027s primary IT managed-service provider announces it has entered administration with immediate effect. All support contracts are suspended, and access to hosted systems may be withdrawn within 48 hours.", "default_objectives": ["Test third-party dependency identification and escalation", "Assess contingency arrangements for critical services", "Evaluate contract and legal response procedures", "Test communication to internal stakeholders and clients", "Identify alternative supplier options and onboarding speed"], "description": "A sole-source critical supplier enters administration, cutting off a key input to operations.", "id": 3, "is_builtin": true, "name": "Critical Supplier Failure", "sample_injects": ["Supplier confirms all SLAs are immediately suspended", "Hosted application credentials may be revoked within 24 hours", "Legal team identifies a data-custody clause requiring urgent action", "Alternative supplier identified but needs 5 days to mobilise", "Client SLA breach notification issued automatically"]}, {"category": "Technology", "context": "At 14:30 on a Tuesday, a power surge followed by a cooling failure causes an unplanned shutdown of the primary data centre. All production systems are offline. The DR site is available but failover has not been fully tested in 18 months.", "default_objectives": ["Test the IT Disaster Recovery Plan invocation", "Assess DR site failover procedures and timelines", "Evaluate internal and external communication protocols", "Test manual workaround procedures for critical processes", "Assess RTO/RPO achievement against targets"], "description": "An unplanned outage at the primary data centre takes all production systems offline.", "id": 5, "is_builtin": true, "name": "Data Centre Outage", "sample_injects": ["DR failover estimated to take 6 hours \u2014 RTO is 4 hours", "Customer-facing portal has been down for 2 hours; complaints escalating", "A regulatory transaction cut-off deadline is in 3 hours", "DR site network connectivity is intermittent", "Media pick up on the outage and request a statement"]}]

{"aim": "To evaluate Barwon Water\u0027s preparedness and response capability in managing workforce disruptions due to a global pandemic.", "audit_findings": "", "builder_stage": 7, "business_impacts": ["Customer Impact", "Service Outage", "Reputational Impact", "Staff Safety", "Operational Backlog"], "complexity": "moderate", "controls_to_test": "", "created_at": "2026-06-11T08:05:40.410794", "dependencies": ["People"], "description": "", "discussion_breakpoints": true, "disruption_level": "Moderate disruption", "duration_minutes": 180, "evaluation_checklist": null, "exercise_category": "Workforce Disruption", "exercise_format": "tabletop", "exercise_type": "tabletop", "external_stakeholders": ["Regulator", "Media", "Key Customers"], "facilitator_guide": null, "facilitator_name": "", "functions_in_scope": ["Executive / Crisis Management Team", "Business Continuity", "Risk / Compliance", "People \u0026 Culture / HR"], "has_observers": false, "has_role_players": false, "hot_wash": true, "id": 166, "inject_cadence_minutes": 15, "inject_channels": ["Email", "Phone Call", "Teams / Slack", "radio", "News Bulletin"], "inject_count": 11, "injects_data": [{"branch_condition": null, "channel": "Email", "content": "Subject: Immediate Action Required: Pandemic Alert\n\nDear Team,\n\nA pandemic alert has been issued for a new virus variant affecting urban areas in Victoria. Immediate activation of your Crisis Management and Business Continuity Plans is required. Please convene your teams and confirm activation within 30 minutes.\n\nRegards,\nHealth Authority", "delivered_at": "2026-06-11T09:52:29.726208", "evaluation_criteria": "Response initiated within 30 minutes.", "exercise_id": 166, "expected_actions": "Crisis Management Team convenes and initiates response.", "facilitator_notes": "Ensure participants acknowledge receipt and initiate plan activation.", "id": 176, "image_required": false, "inject_type": "information", "notes": "Good communication between teams, strong leadership and direction.", "objective_links": [1], "phase_id": 133, "phase_name": "Activation and Initial Response", "recipient": "Crisis Management Team", "response": "Good communication between teams, strong leadership and direction.", "sender": "National Health Authority", "sequence_number": 1, "status": "responded", "team_assignment": ["all"], "time_offset_minutes": 5, "title": "Pandemic Alert Notification", "video_script": null, "video_status": "none", "video_talk_id": null, "video_ticker": null, "video_url": null}, {"branch_condition": null, "channel": "Teams", "content": "Urgent update: 30% workforce out sick/quarantined. Immediate action needed to manage ops.", "delivered_at": "2026-06-11T09:52:37.469121", "evaluation_criteria": "Proactive workforce management strategies discussed.", "exercise_id": 166, "expected_actions": "Discuss workforce management and prioritize critical functions.", "facilitator_notes": "Prompt discussion on immediate operational adjustments.", "id": 177, "image_required": false, "inject_type": "information", "notes": "Slight delay in assessing impacts and reporting. Was confusion around roles and expectations", "objective_links": [1], "phase_id": 133, "phase_name": "Activation and Initial Response", "recipient": "Crisis Management Team", "response": "Slight delay in assessing impacts and reporting. Was confusion around roles and expectations", "sender": "HR Department", "sequence_number": 2, "status": "responded", "team_assignment": ["all"], "time_offset_minutes": 15, "title": "Initial Workforce Impact Report", "video_script": null, "video_status": "none", "video_talk_id": null, "video_ticker": null, "video_url": null}, {"branch_condition": null, "channel": "Phone", "content": "This is the Regulatory Authority. We need an update on your service continuity plans given the workforce disruption.", "delivered_at": "2026-06-11T12:07:53.919397", "evaluation_criteria": "Compliance update delivered within 30 minutes.", "exercise_id": 166, "expected_actions": "Prepare and deliver a compliance update to the regulator.", "facilitator_notes": "Simulate pressure from regulators and prompt communications response.", "id": 178, "image_required": false, "inject_type": "comms", "notes": "This was not really considered. Even with prompting they weren\u0027t sure what to do, who to contact and when they are required to report to the regulator.", "objective_links": [2], "phase_id": 134, "phase_name": "Communication and Coordination", "recipient": "Crisis Communications Lead", "response": "This was not really considered. Even with prompting they weren\u0027t sure what to do, who to contact and when they are required to report to the regulator.", "sender": "Regulatory Authority", "sequence_number": 3, "status": "delivered", "team_assignment": ["all"], "time_offset_minutes": 35, "title": "Regulator Inquiry", "video_script": null, "video_status": "none", "video_talk_id": null, "video_ticker": null, "video_url": null}, {"branch_condition": null, "channel": "News Bulletin", "content": "Barwon Water faces challenges as pandemic affects workforce. Service continuity under scrutiny.", "delivered_at": "2026-06-11T12:29:44.278777", "evaluation_criteria": "Holding statement issued promptly and aligns with crisis plan.", "exercise_id": 166, "expected_actions": "Release a holding statement and manage public perception.", "facilitator_notes": "Highlight media interest and prompt external communication strategy.", "id": 179, "image_required": false, "inject_type": "comms", "notes": "Holding statement designed and released. Was quick, informative and well managed.", "objective_links": [2], "phase_id": 134, "phase_name": "Communication and Coordination", "recipient": "Public", "response": "Holding statement designed and released. Was quick, informative and well managed.", "sender": "Local News Station", "sequence_number": 4, "status": "delivered", "team_assignment": ["all"], "time_offset_minutes": 50, "title": "Media Coverage Begins", "video_script": "Barwon Water is grappling with significant challenges as the pandemic impacts its workforce. Several employees have tested positive for the virus, leading to staffing shortages. This situation puts the continuity of essential water services under scrutiny. Barwon Water is implementing contingency plans to minimize disruption. Temporary workers are being hired, and remote monitoring systems are in place to maintain operations. The company assures customers that water quality and supply will not be compromised. Authorities are closely monitoring the situation. Updates will follow as more information becomes available. Live from the newsroom, I\u0027m Local News Station, BC Studio News.", "video_status": "ready", "video_talk_id": "clp_Ex-b6YJjt901qoBLqyACR", "video_ticker": "Barwon Water struggles as pandemic hits workforce service continuity questioned amid ongoing challenges", "video_url": "https://d-id-clips-prod.s3.us-west-2.amazonaws.com/auth0%7C6a1d0207e4bd08294f2c2620/clp_Ex-b6YJjt901qoBLqyACR/v2_public_Alyssa_NoHands_RedSuite_Lobby%40qtzjxMSwEa.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256\u0026X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\u0026X-Amz-Credential=AKIA5CUMPJBIJ7CPKJNP%2F20260611%2Fus-west-2%2Fs3%2Faws4_request\u0026X-Amz-Date=20260611T122846Z\u0026X-Amz-Expires=86400\u0026X-Amz-Signature=d0a5bb88e1375d6f4bee1ebca475d334c2138c11580d39ffddb58099b176b284\u0026X-Amz-SignedHeaders=host\u0026x-amz-checksum-mode=ENABLED\u0026x-id=GetObject"}, {"branch_condition": null, "channel": "Internal Memo", "content": "Subject: Current Operational Capacity\n\nDespite workforce shortages, water supply is stable. Wastewater management is under strain, with potential service impacts if staff shortages persist. Urgent review of continuity plans needed.\n\nRegards,\nOperations Lead", "delivered_at": null, "evaluation_criteria": "Continuity adjustments made to address service strains.", "exercise_id": 166, "expected_actions": "Assess and adjust continuity plans for wastewater management.", "facilitator_notes": "Facilitator to probe on contingency plans for wastewater management.", "id": 180, "image_required": false, "inject_type": "action", "notes": null, "objective_links": [3], "phase_id": 135, "phase_name": "Operational Continuity", "recipient": "Crisis Management Team", "response": null, "sender": "Operations Lead", "sequence_number": 5, "status": "pending", "team_assignment": ["all"], "time_offset_minutes": 80, "title": "Operational Capacity Update", "video_script": null, "video_status": "none", "video_talk_id": null, "video_ticker": null, "video_url": null}, {"branch_condition": null, "channel": "SMS", "content": "Unsure if I can work tomorrow. Quarantine rules unclear.", "delivered_at": null, "evaluation_criteria": "Clear communication to staff on availability and policy.", "exercise_id": 166, "expected_actions": "Clarify quarantine rules and communicate to staff.", "facilitator_notes": "Introduce ambiguity regarding staff availability and policy clarity.", "id": 181, "image_required": false, "inject_type": "information", "notes": null, "objective_links": [3], "phase_id": 135, "phase_name": "Operational Continuity", "recipient": "HR Department", "response": null, "sender": "Staff Member", "sequence_number": 6, "status": "pending", "team_assignment": ["all"], "time_offset_minutes": 95, "title": "Ambiguous Staff Availability", "video_script": null, "video_status": "none", "video_talk_id": null, "video_ticker": null, "video_url": null}, {"branch_condition": null, "channel": "Radio", "content": "Reports indicate Barwon Water\u0027s service continuity is at risk due to staff shortages. Stakeholders demand transparency.", "delivered_at": null, "evaluation_criteria": "Transparent and timely communication with stakeholders.", "exercise_id": 166, "expected_actions": "Enhance transparency in communications with stakeholders.", "facilitator_notes": "Emphasize stakeholder pressure and need for transparent communications.", "id": 182, "image_required": false, "inject_type": "comms", "notes": null, "objective_links": [3], "phase_id": 135, "phase_name": "Operational Continuity", "recipient": "Public", "response": null, "sender": "Local Radio Station", "sequence_number": 7, "status": "pending", "team_assignment": ["all"], "time_offset_minutes": 105, "title": "Stakeholder Pressure Increases", "video_script": null, "video_status": "none", "video_talk_id": null, "video_ticker": null, "video_url": null}, {"branch_condition": null, "channel": "Verbal", "content": "We need to decide if conditions are stable enough to move to recovery mode. Input needed.", "delivered_at": null, "evaluation_criteria": "Timely decision to initiate recovery phase.", "exercise_id": 166, "expected_actions": "Evaluate conditions and make a decision to initiate recovery.", "facilitator_notes": "Prompt discussion on recovery initiation and decision-making.", "id": 183, "image_required": false, "inject_type": "decision", "notes": null, "objective_links": [4], "phase_id": 136, "phase_name": "Transition to Recovery", "recipient": "Crisis Management Team", "response": null, "sender": "Crisis Management Team Lead", "sequence_number": 8, "status": "pending", "team_assignment": ["all"], "time_offset_minutes": 125, "title": "Decision Point: Recovery Initiation", "video_script": null, "video_status": "none", "video_talk_id": null, "video_ticker": null, "video_url": null}, {"branch_condition": null, "channel": "Teams", "content": "Recovery plans face hurdles due to unclear staff roles. Need immediate resolution.", "delivered_at": null, "evaluation_criteria": "Effective resolution of recovery plan challenges.", "exercise_id": 166, "expected_actions": "Clarify staff roles and resolve recovery plan challenges.", "facilitator_notes": "Highlight challenges in recovery planning and prompt resolution.", "id": 184, "image_required": false, "inject_type": "action", "notes": null, "objective_links": [4], "phase_id": 136, "phase_name": "Transition to Recovery", "recipient": "Crisis Management Team", "response": null, "sender": "Recovery Team Lead", "sequence_number": 9, "status": "pending", "team_assignment": ["all"], "time_offset_minutes": 140, "title": "Recovery Plan Challenges", "video_script": null, "video_status": "none", "video_talk_id": null, "video_ticker": null, "video_url": null}, {"branch_condition": null, "channel": "Internal Memo", "content": "Subject: Recovery Status Update\n\nThe transition to recovery is underway. Most services are stabilizing, but long-term staffing strategies need addressing. Full report to follow.\n\nRegards,\nCrisis Management Team Lead", "delivered_at": null, "evaluation_criteria": "Clear communication and planning for long-term staffing strategies.", "exercise_id": 166, "expected_actions": "Communicate recovery status and plan for long-term staffing.", "facilitator_notes": "Summarize recovery status and identify long-term staffing needs.", "id": 185, "image_required": false, "inject_type": "comms", "notes": null, "objective_links": [4], "phase_id": 136, "phase_name": "Transition to Recovery", "recipient": "Executive Team", "response": null, "sender": "Crisis Management Team Lead", "sequence_number": 10, "status": "pending", "team_assignment": ["all"], "time_offset_minutes": 155, "title": "Final Recovery Status Update", "video_script": null, "video_status": "none", "video_talk_id": null, "video_ticker": null, "video_url": null}, {"branch_condition": "", "channel": "News Bulletin", "content": "Tensions are rising in the quarantine zones as residents express frustration over unclear regulations and extended isolation periods. Authorities report increased incidents of protests and non-compliance, complicating efforts to control the pandemic.", "delivered_at": "2026-06-11T12:33:11.685807", "evaluation_criteria": "Successful identification of communication gaps, proactive media engagement, and effective public reassurance measures.", "exercise_id": 166, "expected_actions": "Participants should assess the impact on operational stability and adjust communication strategies to address public concerns and maintain service continuity.", "facilitator_notes": "", "id": 209, "image_required": false, "inject_type": "information", "notes": null, "objective_links": [], "phase_id": null, "phase_name": "", "recipient": "", "response": null, "sender": "", "sequence_number": 11, "status": "delivered", "team_assignment": ["all"], "time_offset_minutes": 0, "title": "Escalating Tensions in Quarantine Zones", "video_script": "Tensions are escalating in quarantine zones across the region as residents grow increasingly frustrated. Unclear regulations and extended isolation periods have sparked protests and rising incidents of non-compliance. Authorities are struggling to maintain order, complicating efforts to control the ongoing pandemic. Reports indicate that local officials are working to clarify guidelines and address public concerns. Meanwhile, health experts warn that non-compliance could lead to further spread of the virus. Community leaders urge patience and cooperation as solutions are sought. We\u0027ll continue to monitor the situation for any new developments. Live from the newsroom, I\u0027m BC Studio Correspondent, BC Studio News.", "video_status": "ready", "video_talk_id": "clp_5R0pBd-bkon7RtwghG35x", "video_ticker": "Protests surge in quarantine zones as residents defy unclear regulations amid extended isolation frustrations", "video_url": "https://d-id-clips-prod.s3.us-west-2.amazonaws.com/auth0%7C6a1d0207e4bd08294f2c2620/clp_5R0pBd-bkon7RtwghG35x/v2_public_Alyssa_NoHands_RedSuite_Lobby%40qtzjxMSwEa.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256\u0026X-Amz-Content-Sha256=UNSIGNED-PAYLOAD\u0026X-Amz-Credential=AKIA5CUMPJBIJ7CPKJNP%2F20260611%2Fus-west-2%2Fs3%2Faws4_request\u0026X-Amz-Date=20260611T123253Z\u0026X-Amz-Expires=86400\u0026X-Amz-Signature=d4199a3a11f95a4415d533715b0ce345f134b0b4b6b402bd473ffb94a367f3ea\u0026X-Amz-SignedHeaders=host\u0026x-amz-checksum-mode=ENABLED\u0026x-id=GetObject"}], "is_multi_team": true, "knowns_at_start": "- A pandemic alert has been issued for Victoria\n- Workforce numbers are expected to drop significantly\n- Government restrictions are in place, affecting movement and gatherings\n- Key customers and stakeholders are demanding continuity assurances", "num_phases": 4, "objectives": [], "objectives_data": [{"capability_area": "Incident Escalation", "evaluation_method": "checklist", "exercise_id": 166, "id": 137, "objective_text": "Test the activation of the Crisis Management and Business Continuity Plans within 30 minutes of a pandemic alert.", "sequence_number": 1, "success_criteria": "Crisis Management Team convenes and actions initial response steps within 30 minutes of alert."}, {"capability_area": "Crisis Communications", "evaluation_method": "checklist", "exercise_id": 166, "id": 138, "objective_text": "Validate the effectiveness of internal and external communications during a workforce disruption scenario.", "sequence_number": 2, "success_criteria": "Communications are timely, consistent, and align with the established crisis communications plan."}, {"capability_area": "Service Continuity", "evaluation_method": "checklist", "exercise_id": 166, "id": 139, "objective_text": "Assess the ability to maintain critical water supply and wastewater management services with a reduced workforce.", "sequence_number": 3, "success_criteria": "Critical services continue without interruption, meeting established Minimum Business Continuity Objectives (MBCO)."}, {"capability_area": "Decision-Making", "evaluation_method": "checklist", "exercise_id": 166, "id": 140, "objective_text": "Evaluate decision-making processes for transitioning from response to recovery phases during the pandemic.", "sequence_number": 4, "success_criteria": "Decisions to shift to recovery mode are made within 4 hours of stabilizing the workforce disruption situation."}], "organisation": "", "participants": [], "phases_data": [{"end_offset_minutes": 30, "exercise_id": 166, "focus": "Test the activation of Crisis Management and Business Continuity Plans within 30 minutes of a pandemic alert.", "id": 133, "name": "Activation and Initial Response", "phase_number": 1, "start_offset_minutes": 0}, {"end_offset_minutes": 75, "exercise_id": 166, "focus": "Validate the effectiveness of internal and external communications during a workforce disruption scenario.", "id": 134, "name": "Communication and Coordination", "phase_number": 2, "start_offset_minutes": 30}, {"end_offset_minutes": 120, "exercise_id": 166, "focus": "Assess the ability to maintain critical water supply and wastewater management services with a reduced workforce.", "id": 135, "name": "Operational Continuity", "phase_number": 3, "start_offset_minutes": 75}, {"end_offset_minutes": 160, "exercise_id": 166, "focus": "Evaluate decision-making processes for transitioning from response to recovery phases during the pandemic.", "id": 136, "name": "Transition to Recovery", "phase_number": 4, "start_offset_minutes": 120}], "plans_to_test": ["Business Continuity Plan", "Crisis Management Plan", "Enterprise BCP"], "risk_alignment": "Loss of workforce, global uncertainty and enactment of BCPs", "scenario_assumptions": "- The exercise simulates a worst-case scenario with a 30% workforce reduction\n- Communications systems remain operational throughout\n- No actual health risks to participants during the exercise\n- All actions are simulated and do not affect real operations", "scenario_category": "Workforce Disruption", "scenario_name": "", "scenario_narrative": "Barwon Water, a major regional water utility provider, is facing an unprecedented challenge as a rapidly spreading new variant of a global pandemic emerges. The pandemic primarily affects urban areas in Victoria, Australia, leading to a significant portion of the workforce being unable to report to work due to illness or quarantine measures. As the situation unfolds, the organisation struggles to maintain critical water supply and wastewater management services. Key services are at risk due to workforce shortages, and there is mounting pressure from regulators and the media to ensure continuity of essential services. The crisis management team must navigate the complexities of reduced staffing while managing external communications and stakeholder expectations.", "scheduled_date": "2026-06-12T00:00:00", "scope_in": "", "scope_out": "", "status": "completed", "teams": ["alpha", "bravo", "charlie"], "title": "Global Pandemic", "trigger_event": "At 08:00, the Chief Medical Officer issues a pandemic alert detailing a new variant of the virus spreading rapidly in Victoria, Australia, leading to immediate government-imposed restrictions and public health measures.", "unknowns_at_start": "- The exact impact on staff availability and operations\n- How long the restrictions will remain in place\n- The full extent of service disruptions\n- The specific expectations and requirements of regulators"}