Ms Mary Burke:

Yes, I appreciate, I suppose, it does seem, as you say, if you compare it to your own personal finances, but obviously, that isn't what we were dealing with. In terms of my feeling, it was more urgent. I mean, we had had Northern Rock, we'd had Sachsen and we'd had Bear Stearns ... so, we were monitoring it, marketing conditions were certainly more erratic, might be a good phrase.

I wasn't at that stage conscious or thinking, you know, we were going to run out of liquidity, but the possibility for ... more so for an individual bank, I think, than ... I certainly never saw the system seizing up at that point.