Lisbon - Albino Gomes looks despairingly at his two-hectare lettuce farm north of Lisbon and wonders where he is going to find money for fertilisers this year.
He had put his savings into what he was told was a "risk-free investment with guaranteed returns" at Banco Espirito Santo (BES), one of Portugal's biggest banks.
But the bank collapsed in August, and at least €500m of investments by 5 000 clients like Gomes went up in smoke.