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| Cost Item | Annual Cost (Current) | Hybrid 40 % (Year 1) | Year‑2‑3 (post‑depreciation) | |-----------|----------------------|----------------------|------------------------------| | Office lease & utilities | US $3.2 M | US $2.2 M | US $2.2 M | | IT infrastructure (VPN, cloud licences) | US $0.5 M | | US $0.6 M | | Home‑office stipend (per employee) | – | US $0.3 M | US $0.3 M | | Net Savings | – | US $0.3 M (Year 1) | US $1.2 M (Year 2‑3) |