Seán Fleming (Laois-Offaly, Fianna Fail) | Oireachtas source

Correct. I am getting the point now. In terms of contributions by the banks in the context of risk base, I suggest that a bank that is state owned should have a lower risk. For example, AIB is a State-owned bank whereas I would have thought that a bank owned by any state in the Union intrinsically would be of lower risk for resolution because for it to go to resolution not only would it have to fail, but its shareholder would have to fail it also, which is the state. The chances of a state-owned bank in that situation going to resolution would be less likely than one that is privately owned. Does Mr. Carrigan see a point in that regard?