Mr. Peter Fitzgerald:

I think very difficult obviously, very worrying obviously. The bank had built up very, very strong, I mean one of the ... one of the great cultural things about Anglo was its relationships with customers, and I think that’s well documented. So, you know, we didn’t have an online banking system, you know, customers dealt with us by phone, yes. The fear with customers was palpable despite deposit protection, despite maybe having removed some of their savings, they were very, very worried that the bank was not going to survive and that their deposits would be lost. I think it’s very, very true to say that. The stress on the staff was dealing with that, trying to reassure them as best as possible that we were doing everything we could and I think generally then among staff themselves, having been through the bones of nine months of almost constant stress - and certainly from my perspective I would have managed three runs on our savings business in particular-----