It looks like this is a one-off, ... and we will return to sub-par growth after this.

Alone from base effect, we will not be able to achieve that growth.

There's a strong handset replacement cycle going on right now that will generate the next phase of growth, ... First it was color and camera phones and now it will be higher resolution and video enabled phones that will be prevalent this holiday season.

With a new management team in place, the review process will likely lead to more conservative revenue growth, and therefore (earnings) performance, in the near term.

I've seen a tremendous personal growth spurt. I see more of a calmness and a mature person.

We were extremely successful in our loan production efforts in the fourth quarter, as annualized growth in our core portfolio, excluding short-term holiday loans, was more than 17 percent.