Mr. Seamus McCarthy:

I reported on that issue in 2014 and 2016. I am working on a chapter for inclusion in this year's annual report which will outline the position at the end of 2018. I reported on the issue previously and have the report here. As it looked at the end of 2016, the picture was that, overall, banking stabilisation had cost us €40 billion. As Mr. O'Kelly said, Irish banks-----