richard dunbar is investment director at aberdeen asset management.ersation about the ten year anniversary. your thoughts on that and the decade we've experienced? well, i'm hoping it is a quieter day thanit well, i'm hoping it is a quieter day than it was this day ten years. i suppose at that time we didn't fully realise the interconnectness of the financial world. we didn't realise the implications to the borrowing that it had been attached to that interconnectedness and we didn't understand fully some of the sub—prime lending you've touched on and the other lending that had been pursued. the domino-effect was quite phenomenal really. the eurozone debt crisis started. it was just incredible, wasn't it, we couldn't have predicted any of that? incredible, wasn't it, we couldn't have predicted any of that7m incredible, wasn't it, we couldn't have predicted any of that? it was a freezing of the markets that we thought were broad and deep. the wholesale market were many of the uk and global banks were borrowing, moving away from borrowing from customers