MICHAEL BELLINGAN
Mr Chairman, we had had a dispute, Janine and myself, regarding the will.  We had a joint will where I had made my mother the guardian in the event of our simultaneous death, and we'd had a debate about this where Janine had a difference of opinion at a certain stage.  She felt unhappy with it and she changed the will.  She told me she was going to and she went and did it.