Mr. David McWilliams:

Okay, so it is a banger in Dublin. If a banger turns up on a team and scores five goals against one, one knows there is something wrong. The young fellows are tiny and he is a big lad. Banks can be bangers too, by which I mean that if a bank emerges out of nowhere and begins to record profits that are extraordinary and way out of sync with what traditionally had been the case, either the people are geniuses or there is something going on. If one thinks about banking, it is a very simple business. One lends 2% or 3%.