Mr. Richie Boucher:

No, I decided to ... I think there was a number of us decided to stay. We have to remember it was the night of the 29th. There was an awful lot going on. Amongst other things, one of my jobs was to ensure, for example, that our branches were properly staffed. We were not putting through any IT changes. We were making sure our ATMs were heavily loaded, because if there had been an incident which would have perceived that we had a lack of cash, that could have been very difficult. I was organising that staff would ... who were on part time would come into branches, etc. So I was there because it was necessary for my role as head of retail Ireland, but also, obviously, there was a lot going on. The TARP was going through Congress and obviously we were looking at our exposures to US banks and our exposures in investment markets.

We gathered together ... myself, head of strategy, the chief financial officer, chief risk officer, the head of wholesale markets and some other colleagues gathered in a meeting room we have in the executive floor and we were awaiting communication from Mr. Goggin as to what was happening.