Mr. Paul Gallagher:

By the Governor and by the regulator, and also by the banks that came in. When they came in at 9.30 that evening, and I say it in my statement, they said the markets had turned against Ireland. They were saying no quote for Ireland, no lending to Ireland, they were differentiating between Ireland and elsewhere. So, as sometimes happens in banking crises, happened in the UK and happened in the US-----