John Paul Phelan (Carlow-Kilkenny, Fine Gael) | Oireachtas source

And there's a quote, well it's not a quote it's a reference, I suppose more like, at the bottom, close to the bottom of page 29 where Mr. Sheehy, the then chief executive of AIB, is reported to have said, and the quote from this memo is that, "People we've been dealing with for decades, pulling back - 1 month we will be funding bank overnight. Bad if can't even get that, disaster - bankruptcy." What's your view on that?