Not a dent.
An excellent lesson shot to hell
That’s what I should be saying. Legally and morally if they don’t catch it eventually (”eventually” being defined differently in each state) it’s your money. Works the other way around too, if they make a screw up that goes against you you’ve got 60 days or you’re SOL, they get years but eventually they too are SOL. There’s nothing immoral about waiting the proper time period and taking what they law says is yours. And any interest you get is just an inconvenience fee for you making the effort to make sure they would get the money if they figured out their error.