Mr. Brendan McDonagh:

I ... we had concerns from August 2007 about banks globally, Deputy, because things ... strange things were beginning to happen. There was rumour after rumour in the market even about big banks like Wachovia, Wells Fargo, Washington Mutual, Citibank, BNP Paribas, Goldman Sachs, Bank of ... Merrill Lynch. So there was no bank ... a lot of the German banks as well, so like, it wasn't just confined to Ireland. It was-----