I grew up with great values and tremendous opportunities, ... I want my three kids and other's people's children to have the same opportunities that I had.

It is a wonderful thing to see, the values that these kids are learning. There is a great story with just about every one of them, and the big thing is that because of First Tee there are a lot more good citizens coming out.

I'm a conservative Republican, ... We need to support President Bush 's agenda. ... We have to have a culture that respects life, that respects the unborn.

The advent of the new communications system, which is online, allows the individual consumer to have more information faster at less expense than they have ever had before. This gives them the confidence and sophistication to manage their own money.

When we're wrong, we tell the customer we're sorry and we pay for it. When we're not wrong, the customer, in all fairness to our shareholders, as responsible managers, the customer has to pay for their own mistakes,

We feel now is the time to deepen our management structure and bring it a stronger technology orientation and focus. As this growth continues, we're confident that Tom's business and technology leadership skills will prove invaluable in guiding the company to the levels that we need to provide our customers the highest quality products and services,