It's quite rewarding to think the money is going to investors. The disappointing aspect to me is that only about 50 percent of people to whom we sent claim forms responded.

It was a challenge to get to 46 percent, a big-time challenge.

The process of designing a distribution plan in connection with the global research analyst settlement has been extremely complex and sensitive.

Money is like muck, not good except it be spread.

You could end up spending a lot of money on something that didn't exist, or had been sold to somebody else already. But what are they going to do to minimize the impact of their operations?

Some of that money may well have been from overseas sources.