Back to AIB and BOI. So we are going back to where we started? And I suppose if we had stuck with these institutions (which I did) we could have had two strong IRISH institutions but because of the pressure and better value, people moved their accounts etc. And so did the Irish Banks....they had to get competitive, for their shareholders, something they didn't have to do before, and THEY are in the situation today because of all of that! SHORT TERM GAIN......typically, greedy Irish, on all sides....nothing changes!!!!! And by and large, we are all guilty! And before anybody SLATES me, this is my personal opinion, which I am entitled to!