FinanceAsia What kind of management structure have you put in place to handle the integration, and how is it progressing
David Tsui We have formulated a comprehensive and detailed harmonisation plan for Dao Heng and DBS Kwong On, including their business, human resource, operations, technology and systems. Right now we have the harmonisation program in full swing and we are in the first stage of resources planning. The detailed projections on cost savings we have now are actually better than what was estimated in the due diligence process, so we're very comfortable that the merger will have strong benefits.
Have you brought in any outside consultants to help with the change
We've brought in...