Mr. David Gantly:

This was post-Lehman and really ... it's hard to describe. I mean I certainly know from my side ... you know when you're going in in the morning and you're saying "Right, what's our liquidity situation? What's going to happen next?" At that particular time, there was ... there were rumours of ... I suppose ... I'm not going to name banks but there were rumours of, you know, two or three German banks that were being ... there was speculation that they were in trouble ... a Belgian bank. It was just ... every day, you went in it was rumoured as to who was next kind of thing.