The words of Tom Petters' co-conspirators

"He needed to convince some people that he had properly spent some money and he needed my help to save his neck. I came up with some phony bank statements to make it look like money was spent the way it was supposed to."

"It was confusing to me. I asked Deanna how could you tell good [promissory] notes from bad ones? She laughed at me and said there are no good notes there."

"He was involved in every aspect of everything. We were under a lot of stress. She would decide what merchandise to do and try and figure out where the money was wired but always under Tom's supervision."

"Mr. Petters called and said he would like to start putting money in my [business] bank account. ... He said it was millions. I agreed. ... Money came into the account and I would send it back the next morning, minus my commission."

"The person who told me what to do was Tom Petters."

"PCI didn't send any money in [for consumer goods]. A lot of investors didn't ask for proof. If they did, I would make up a wire receipt."

"I'd let Tom know when we had extra funds. I'd use the money to pay off other investors and sometimes to pay the investor himself."

"He seemed to be very much aware of all things in all of his companies."

"I had concerns. I knew something was wrong but not what. ... There was a lot of panic."

"Tom Petters had me set up a company that acted as though it bought merchandise. ... I was supposed to be the middle man providing the inventory in case an investor called."