Explanation:
Let us understand the meaning of few words:
1. Goldman Sachs: A leading bank for financial needs
2. Relentlessly: Harmfully reacting
It is important and meaningful to consider the nature of opinion. Substantive means having a firm opinion. According to the given situation one has received a good advice and another did not. Both are right. Through their experience they are very firm in their opinion. This situation is called substantive.