Mr. Brian Cowen:

Obviously, it had become serious because you saw that the market reaction when it got legs in the public domain or there was rumours or whatever about this, or some knowledge about it, it had hit the share of the bank very severely. So when I got word then to say, "The chairman wants to speak to you", I first rang the Governor and said, "Look, is it in order for me? He wants to have a chat with me. Is that .. ". I just wanted to have his view. I was over in Vietnam at this stage and I was trying to get a handle on what was going on-----