Dr. Eddie Casey:

It depends on when Sláintecare is introduced. Over its life, it is expected to add about €3 billion annually to regular expenditure. We do not know how that will be phased in as a new programme for spending, which will cost approximately €2.5 billion to €3 billion each year. The Deputy made two points earlier about SME credit. Going into this crisis, we were nowhere near the level of indebtedness that we saw at the peak of 2007. We are back to levels that we would have seen in the early 2000s. SMEs are not as indebted as we saw at the end of the credit bubble and property bubble in the 2000s. They are not in as severe a situation going into this crisis as they were in 2007.