If you're going to be Johnny-come-lately into this deal... well, gee whiz, you don't have to try and steal stuff from us.

He's a real nice, hardworking guy. We don't begrudge him anything. But, gee whiz, we can't just ignore this. We're not doing our job if we do.

If a salesperson shows you a gee-whiz but complicated financial product, you can be sure of two things: You don't need it and it's overpriced. You can get the same result with something easier, wiser and lower-cost.

The man I adored, and miss him terribly, was Johnny Carson.

I think the Research Coast is more prominent this year.

If you don't want to compete, you will continue to be a bedroom community, a bedroom region, for somebody else.