But budget watchdog Maya Macguineas is not sure it's a good idea to pay back the money before the banks are completely out of danger.

MAYA MACGUINEAS, PRES., COMMITTEE FOR A REPONSIBLE FEDERAL BUDGET: It's good if it works, if the economy and the banks are ready to handle starting to repay and we're starting to come out of this downturn, but if it's premature and we have to go through this whole exercise again, of the Treasury giving money to the private sector, that could be quite damaging ...