The frequency (of the Y chromosome) was significantly higher in that genealogical group than any other group we tested.

We expect very significantly higher prices, higher deductibles and tighter terms and conditions as a result of Katrina. For the next year or two, underwriting results, absent another large catastrophe, should be very, very strong.

We are investing significantly across the group. The program to transform the retail bank is now well on the way to delivering improved service to customers at improved unit cost.

Investors are reluctant to take the dollar significantly higher and we are having thin markets. The market still prefers to sell the dollar on rallies.

It's significantly higher cost. The total [security] operation has been made more significant, and the higher cost goes along with that. We are confident that we are doing as good a job as we can with private security in combination with the New York Police Department and that we have a safe and secure facility.

The innovative approach being tested by Prof Turnbull may lead to a treatment for mitochondrial myopathies, a group of conditions that dramatically affects the quality and length of life.