I look for that number to be 50 by the end of the year. That's the key to our business ... our employees. We've got a very close-knit, dedicated staff right now.

This is an excellent partnership that gives First Union a nationwide securities business, ... This transaction will substantially strengthen our distribution capabilities for equity capital markets activities as well as retail investment products and wealth management activities.

Making bad business decisions is one thing, but hiding or covering up bad decisions is another,

Absolutely not. We are committed to being in this business. We feel fortunate to be in this business. It's beneficial to us.

VoIP has really changed the way we do business.

We believe that these initiatives, together with improved cash flow from business operations, have enhanced our financial flexibility. We currently have sufficient resources to retire the remaining '06 convertible notes at maturity and based on current forecasts we believe we will have sufficient liquidity available to satisfy the $146 million of 5% convertible notes due March 2007. As previously announced, during the first quarter of 2006 we purchased in the open market $30 million face value of our outstanding $471 million aggregate principal amount of 9.25% Senior notes due February 2008.