I think (banks) are doing better today than they were yesterday, and clearly they need to be doing better tomorrow.

This paper will no doubt be found interesting by those who take an interest in it.

It's the right idea, but not the right time.

It's the right idea, but not the right time. It's pretty clear that (a Certificate of Need application) would be rejected out of hand.

It's the right idea, but not the right time.

The people need to know why it has taken so long to try this case,