Was the RCBC president Hable? Should Tan be held accountable in this debacle? Or was it the board who should be primarily responsible? Given the previous Pacific Plans scandal, what Implications does this have on the Yuchengcos as the controlling and majority shareholder? Should the bank secrecy law be used as a defense in this type of Investigationt Should an exception to the rule be allowed, In ald of legislation, as suggested by Senator Guingona? Is there a valid conflict of interest, as claimed by Deguito's Did AMLC fall in its duty of oversight? What actions would you suggest the BOD to take