try this letter from stevens himself
http://www.theaustralian.news.com.au/story/0,25197,24538794-5013871,00.html
and this one....a fee of 2% for each million...thats 20,000 you pay the bank for the guarantee
http://www.theaustralian.news.com.au/story/0,25197,24538794-5013871,00.html
