It was a challenge to get to 46 percent, a big-time challenge.

It's quite rewarding to think the money is going to investors. The disappointing aspect to me is that only about 50 percent of people to whom we sent claim forms responded.

The process of designing a distribution plan in connection with the global research analyst settlement has been extremely complex and sensitive.

It's a challenge to manage it appropriately. We want to manage ourselves as efficiently as we can to serve the needs of the community and it can become a challenge. We certainly don't like to be on diversion.

Yes, it is God who works in you. And, yes, there is work for you to do.
Yes, the Spirit empowers you to do the work. And, yes, you do the work.

This has been a time of dramatic transformation, and you have risen to every new challenge.