In an ideal world, I wish they didn't have [the Discover card]. It gave the bank some support during the stock market downturn, but now it's lagging behind.

It's tough not to like record results, but in the wake of what Goldman put out, they seem pedestrian. Goldman set the bar awfully high.

My own concern is does the consumer give out and drag down the economy in 2006? The corporate sector is well into a recovery, but the consumer never had a recession.

This suggests the (capital markets) environment was even better than we thought macro-wise.

This suggests the (capital markets) environment was even better than we thought macro-wise,

What it implies is people were expecting a strong number and maybe this isn't as strong as they hoped. They beat expectations and my own estimate, but we need more information.