Ms Ethna Tinney:

There was a tremendous amount of anxiety at this stage. By the time I came back in April 2008 it was a very different scenario. We had a different board and there was an ex-banker on it. It was a very different board so there would have been a lot of discussion about what state are we actually in. In fact, we talked about little else a lot of the time and the whole retrenchment had already started that Fergus talks about.