Michael D'Arcy (Fine Gael) | Oireachtas source

Oh, mid-July, okay. In evidence previously presented by others, a lot of people have said that there was a period - late '05, early '06 - that it was a point of no return; the extent of the downturn was going to be substantially more than if some actions had been taken prior to that. Did you notice, or did you have any knowledge prior to joining EBS, that potentially there was a fall coming?