Mr. Peter Nyberg:

Market funding is really funding by professionals, other banks or pension funds, or whatever. Contrary to regular depositors like the Deputy and me, they follow very carefully what the banks do because they lend large amounts of money. If it seems the bank is not solvent, that at some point it will not repay what it owes, they will take the money away as soon as they can. When the bank is solvent and the market works well, market funding is really cheap and reliable. When the bank is questionable or the market does not function well the bank can all of a sudden be the subject of liquidity problems, as they were in Ireland.