Mr. Kevin Cardiff:

Okay, well, at the most basic level, if you didn't know it from anyone else, you'd know it from Joe Duffy and George Lee two weeks ago ... two weeks previously who had been running big stories about how all the banks were in trouble. Not accurate, but not very helpful. At a more specific level, you'd know it because you ... we saw what was happening in the banking system after Lehmans. We knew that banks internationally were having great trouble getting funds. We knew that the banks, Irish banks ... some were already very close to out of money and, for others, they still had money, but the term was getting shorter. So, even back in ... in June what was happening was that the person who six months ago would have given you money and they would have left it with you contractually bound for six months and then they were saying three, and then they were saying one, and on that night, after the point when we already knew they were in trouble the banks were saying to us, "Actually, now they're only leaving it to us overnight."