gillian tett is from the financial times. and welcome.ulturally because what happened here was triggered by social media and by the kind of virality or the speed with which a communication happens today. is that at the heart -- at particularly the speed of this bank run? >> well, the roots of the credit comes from the latin meaning to believe and finance without trust is worth nothing. and one of the problems that bankers and regulators that grappling with is we live in an age of cyber flash mobs. because of this news could flash around the world and you get explosions of passion that flare-up and die down. now we saw the political implications with the arab spring and the implications in the fashion and music world where suddenly things become trendy and then disappear from sight. we've seen it in social interactions. i mean, last summer a teenager i know had a pizza party for about a dozen kids. someone mentioned it on social media and within minutes there were hundreds of teenagers there and the party was ruined. but more seriously. in