I have been doing a lot of research regarding a pandemic episode in order to prepare my pandemic BCP. Most health resources I've found indicate that a good pandemic plan should plan for a 35% reduction in staffing. That's what I am basing my plan on, and I am not planning to include the need for outsourcing. At a 35% absentee rate, we could still operate our bank with our own resources.
--A bad day at sea is better than a good day at work.