I think the rise can continue a bit longer. We're going to hit some resistance soon from a technical point of view, but I venture to say that this advance could go on for a few more days.

I think in the first quarter we'll fall back into the 1210 to 1246 range on the S&P 500.

We're going to continue to hit the islands and make that a point of emphasis. We've got very good front guys out of the state of Hawaii, but this year a majority of our front guys come from in-state. It was an exceptional year in-state for front guys.

Everyone is expecting a 25-basis point rise. The mantra has been measured and we expect it to continue to be measured.

The 17,000 level isn't only the highest in more than five years, but it's also technical resistance. It won't be easy to break through (this level) and this created overall cautious sentiment.

I think we're still in the doldrums a little bit, but as soon as the players find out whom we're playing, I'm sure they'll start looking forward to it.