Have a look at the first post in the Humorous screenshots thread to see Dowly's geneis of Bernard. There are many subsequent references to his exploits across the pages of subsim.
http://www.subsim.com/radioroom/showthread.php?t=84773
He is all of us when we do things like forgetting that we are in only 20m of water and ordering s crash dive or accidentally hitting the fire key (thanks for making it CTRL+ENTER), when you are stalking a convoy or hitting the blow ballast key when you are setting up for a shot on a target. The list goes on I could be here all night!