Mr. Brendan McDonagh:

Well the wolf ... well I thought the wolf would turn up the following morning, I mean, that's just the nature of what it is, but I think the reality is that it took a long time to come through and, you know, there ... I suppose there were some similar moments, I mean, everybody saw the queues in Northern Rock in September 2007 in the case of the day including the office here in Dublin in the case of the day, but that seemed to quieten down and, you know, that seemed to be a once off, the British Government seemed to deal with Northern Rock very quickly, and things like that. So then when you come into 2008 people were saying "Ah maybe it's not as bad as what it is", you know, it-----