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          problem with the MoneyNet system addressed by NTS was the                   
          software's inability to take into consideration the multibanking            
          environment of Norwest.  In this regard, the software did not fully         
          recognize all of the accounting relationships among the different           
          Norwest banks, and thus the accounting records were often incorrect         
          following a wire transfer.                                                  
               NTS allocated five or six technicians to remedy the problem.           
          The technicians mapped out the appropriate accounting entries in            
          order to determine which entries were not properly made following           
          a wire transfer.  They then filled in the gaps in the code.                 
          Following each change to the code, the changed code was tested and          
          retested.  The distributed wire project improved efficiency through         
          the elimination of much of the paper process.  It also improved             
          reliability through the fault-tolerant system.                              
               During the years in issue, the vendor released upgrades of the         
          MoneyNet software.  The installation of these new releases posed            
          compatibility problems for Norwest as a result of prior changes to          
          the code made by NTS. The retrofitting process required a                   
          comparison of the new and old vendor codes with the NTS                     
          modifications to ensure that the required functionality was                 
          maintained.                                                                 
               For all of the MoneyNet projects, NTS employed the SDM                 
          process, continually testing the modifications to the system to             
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