Mr. David Doyle:

-----I would have always assumed that the banks were being run on a sensible basis, that if they were lending money to David Doyle for €100 million that they would check out David Doyle and expect David Doyle to put up significant equity, that in return for lending David Doyle €80 million or whatever that I would have sufficient assets behind me to back that up. I would have checked out the exposures of David Doyle to other banks ... now all of these things were going on.