If we put $50,000 in an account for legal fees, then $50,000 will be gone. I think we need to hear the whole story.

He has never given anybody any reason to believe from his performance and his job until now that he was an unusual individual in any way.

Our capital base is not a constraint on our development and particularly the achievement of our budgets for 2002.

A lot of people don't even have homes.

We're a strongly capitalised bank, after this loss, by international standards.

Ultimately, it was the increase in the amount of cash that he was requiring that set off the alarm bells.

From my perspective, we're holding our own pretty well, certainly are very busy, and I expect that that would be the trend here in the future.

The thing that is eerily reminiscent about all this is you have exactly the same conditions as you had, unfortunately, in America in September. A clear, blue sky, beautiful, spring-like conditions and many, many people out and about. And suddenly, this bizarre sight of this huge building with a gouging wound in the side of it.

We usually are able to convince the person it makes more sense for them to cooperate.