Ms Cathy Herbert:

Well, I think there was always that danger and he had ... Brian Lenihan said that afterwards, in that interview that he did in the BBC, that there was always a danger but he had fought hard to avoid it, and he thought, he said, that on balance it might have been in the spring, depending on what the reaction was, the spring of the following ... of 2011. The situation was, for instance, in Portugal, they didn't enter a bailout until some time later, but I suppose the thing is, it may have been postponing what was inevitable.