Mr. Brendan McDonagh:

I don't, Deputy. I mean, at the time, back in September 2008, I sort of estimated that it'd at least lead to a 1% increase in the cost of funding. I think our cost of funding at that stage would have been probably 5.5% to 6% for ten-year money. So, I think, you know, the guarantee was put in place to guarantee deposits but, you know, the guarantee I suppose wasn't called because the deposits were paid back. But the only way ... but, I suppose the big cost to the State has been the State resources that has been used to fill the capital hole in the banks and that has had to be borrowed. And that was certainly a big hangover on the State for many years until the markets took the view, I suppose, that Ireland had dealt with the problem. But it had been a very expensive problem to deal with.