Mr. Derek Quinlan:

But an Irish bank was involved in a transaction that we were involved in and we needed to refinance the debt. It was well secured and it was a big surprise to me that they didn't refinance it. And I would have been very friendly at the time with the chairman of the bank. And it was a big surprise. I never asked him, I never discussed business with him but I was very surprised that they did not want to continue with this loan.