It was what we expected.

It's gonna get better, ... It can sort of be expected that we'd struggle a little bit because we've got a lot of young guys playing for us that really haven't had any game experience.

Change is something that is expected and, therefore, not resisted.

Nothing is to be expected from the workman whose tools are for ever to be sought

If you have a strong loan-growth month, you can run an ad and generate money almost immediately.

We could generate $10 million or $15 million a week in just CD money. When we first started, they were 75 to 80 percent of our total deposits. Now, they are 20 percent.