It is not unreasonable to expect that at some point in time we will want to do some building.

This transaction also provides Wachovia with the opportunity to enter the California banking market in a modest way.

We have carefully evaluated our options and decided that -- as one of the nation's leading retail banks -- we will issue credit cards directly.

This transaction moves our auto finance business to a new level and gives us access to a new set of customers who can benefit from Wachovia's broad offering of financial services.

We are very, very public with our honor code. We want students to know before they come to the university what the environment will be when they come here.

They offer areas of strength at the university, as well as challenges and recommendations.