Mr. Ronan Murphy:

Yes, when you say the bank failure, I think what happened and what transpired was a huge surprise. Nobody could have anticipated ... I mean, we spoke about a period of unprecedented turmoil, nobody could have anticipated what happened. Chairman, I've been in public accounting for 35 years. I've seen recessions, I've seen economic cycles, I've seen the downturns in the '80s and the '90s - nothing prepared us for what we saw from September 2008 onwards.