One consequence of the St. James's Place and Equitable transactions is that we now expect diversified businesses to account for more than half of the profits in 2001.

I paid for my own ticket, ... We have not routinely gone places and done things.

Impairments have been very much in line with our expectations. This will continue in retail terms to be a very benign credit cycle.

This gives us a significant increase in our long-term savings business, ... But more importantly, it is a significant increase in the fast-growing market for high-net-worth customers, which is not a market we're very heavily exposed to through our existing businesses.

I hope not. I think overall he's done a good job, and I hope he can overcome any immediate problems that are out there.

We're very clear about the prospects in the UK, and frankly large acquisitions will struggle to enhance value against those prospects.

It gives you better tracking, and monitoring of your whole operation.

It has been a pleasure serving as Region I director of institutions, ... I have made many friends over the years and wish you and the employees of the department much continued success.

I really don't see how lobbyists help when you're working on bids like this.