Mr. Nick Ashmore:

It is a different form of risk. When a guarantee is provided, a much higher level of losses is accounted for. We have done two things. We are taking some of the risk onto the SBCI balance sheet, and we charge a premium for that within the overall scheme. This scheme is funded by a contribution of €23 million in cash from the Exchequer. Some of that has come from the Department of Agriculture, Food and the Marine and some of it has come from the Department of Business, Enterprise and Innovation. That funding is used in part to cover the cost of the scheme, and in part to cover expected losses under the scheme.