Dina Palermo: Yes.

And now, as we’ve just explained, what you want to do is take advantage of the fact that in your case it is a situation that can be resolved by just going and dealing with the person in some way. Your situation could be resolved quite quickly through an informal dispute resolution system.

So, let’s go back to your first question. Why doesn’t he get the money? In other words, he says that on your contract which you signed that he isn’t entitled to it if you go to court, doesn’t we just go get the documents and then we figure it out?

Ms. Napolitano: Yes. And just to repeat what you said earlier, what you’re saying is, yes, there’s a process available to go to court and there’s a process that’s available to take legal counsel to file an action as a matter of fact. It’s called, in my opinion, and I can’t emphasize enough, litigant’s remedy.

At least, in my opinion, the litigant is entitled to have the burden to prove in the court that when he went to the bank — and again, this is how I was reading your question — how he entered into this agreement to make these payments, and again, the law on this is quite clear that once the parties enter into the money-laundering agreement, it’s no longer a part of his contract and so if we have an agreement entered into that says in effect, “You get a check and don’t pay it,” that does not mean that we have an obligation to pay you the check.

Now, that is how the law works. I talked about this in my opening statement. The law and my view of law is this.

This was established by Congress many, many times in the past. It does not require that the government have a statute to be able to obtain money laundering convictions.

In my view, and again, this is an example that you can draw on me and other experts — and you can draw on many others, if they choose to — the law states very clearly what happens, the parties enter into the money laundering agreement before the money is laundered, before any money is laundered.

So you have the parties entering into a money laundering agreement and then when you have the crime — as you would have with all other crimes — when you are convicted