Dr. Dan McLaughlin:

I wasn't involved at all in the ... anything to do with the night of the guarantee. I had an office in the dealing room and it was pretty clear in the months running up to September that liquidity was becoming an issue for everybody, but that particular week after Lehman's, you know, the sky fell in. If you were sitting in a ... if you were sitting in a dealing room, there was ... there was ... you know ... you know, people probably don't have the experience of this, but if you're sitting in a dealing room where ... there was rumours flying around all the time that, you know, Bear Stearns had gone under ... not just ... rumours about all the major international banks because, obviously, all the banks would be dealing with each other. So there would be a rumour that such and such a bank had a liquidity issue, and it becomes self-fulfilling. So it was in that context at that time ... it was a very, very difficult time for markets and they were completely seizing up. So the first I knew of the guarantee was actually the next morning. I was actually on my way up to Dundalk to do a presentation and I heard it on the car radio. At the-----