Norwest Corporation and Subsidiaries - Page 36

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          A "reasonable period of time" for the development of a software             
          system does not relate to self-imposed business time constraints,           
          but rather to the reasonable time of those in the field of computer         
          science.                                                                    
               H.  Debit Card                                                         
               Dr. McDermott found that the Debit Card project had a                  
          "significant chance of failure" due to software engineering, one            
          which the project team placed as high as 50 percent.  However, Dr.          
          McDermott admitted that "With all resource constraints removed,             
          there is little doubt the project would have eventually succeeded."         
          He indicated that the software engineering question was whether it          
          was "possible to make hundreds of modifications to several existing         
          systems in the time allotted".  In the end, the entire success of           
          the project, i.e., becoming the first bank in Norwest's market to           
          deliver a debit card product, was dependent upon Visa's ability to          
          develop the appropriate interface with Norwest's existing ATM               
          system on time.  "This was out of Norwest's control, and was a risk         
          the Norwest programmers could do nothing about."   Dr. McDermott            
          concluded in his rebuttal report that there was no high degree of           
          uncertainty about the particular algorithms used in the project,            
          and that the only uncertainty was the ability to complete the               
          project in the short time provided.                                         
               Dr. Davis concurred that the only risks in this project                
          related to business or economic risks, not technical ones.                  
          Further, he found that the processes engaged in by Norwest were             



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