EXHIBIT 99.5

            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We  consent  to  the  incorporation  by  reference  in  JPMorgan  Chase  & Co.'s
Registration Statement No. 333-146731 on Form S-3 (the "Registration Statement")
of our report dated January 28, 2008 (April 11, 2008 as to Note 23), relating to
the consolidated financial  statements of The  Bear Stearns Companies  Inc. (the
"Company") as of November 30, 2007 and 2006, and for each of the three years  in
the period ended November 30, 2007 and our report dated January 28, 2008  (April
11, 2008  as to  Note 4),  relating to  the financial  statement schedule of the
Company as of November 30, 2007 and 2006, and for each of the three years in the
period ended November 30, 2007 (which reports express an unqualified opinion and
include  explanatory paragraphs  referring to  (1) substantial  doubt about  the
Company's  ability to  continue as  a going  concern, and  (2) the  adoption  of
Statement  of Financial  Accounting Standards  No. 155,  Accounting for  Certain
Hybrid  Instruments,  an  amendment  of FASB  Statements  No.  133  and 140  and
Statement of Financial Accounting  Standards No. 157, Fair  Value Measurements),
both appearing as exhibits to JPMorgan Chase & Co.'s Current Report on Form  8-K
filed on or about April 16, 2008.  We also consent to the reference to us  under
the  heading "Experts"  in the  prospectus, which  is part  of the  Registration
Statement.

/s/ Deloitte & Touche LLP
New York, New York
April 15, 2008