There were at least three or four instances of, if you will, shifting of passengers on board the vessel.

Defaults occur at least three times as readily -- in some instances, four times as readily -- on (such) loans,

I expected more from them. At least for the next three or four years, they'll shut up. They can't say anything.

It is all down to employment law. In the US if you are made redundant three or four times that is normal, but in Europe there is a stigma.

Defensively, you have four or five guys who have played together at least three years as starters, ... These are highly experienced players who have played with each other since they were freshmen. Defensively, we take a team approach.

We've seen at least three theatres in difficulties and it looks as if they're closed, West End theatres. We've seen restaurants and pubs and all sort of visitor attractions 20 or 30 percent down.