Mr. Aidan Carrigan:

That is a reasonable question. The contributions to the fund will be risk based. It will depend on how risky one is assessed to be. Those institutions taking more risks will have to pay more into the fund. All institutions will benefit from the existence of the fund because it enhances financial stability and therefore means that with more confidence in the banking system, all banks will be able to raise funds on a cheaper basis and at the same cost.