Mr. Brendan McDonagh:

Well, I think the reality, Deputy, is that the State is effectively majority owner of AIB and Permanent TSB, as at present. So, it's a big part of the banking system. I think when, you know ... I've met other countries who've had banking problems as well, and they would've had publicly owned banking systems and private sector banking systems. And, unfortunately, their public-owned banks also had the same problems as the private sector banks because they all seemed to move in tandem. And it doesn't necessarily mean that you'll be saved because you have a publicly-owned banking system.