It's nice to let someone else do the driving and get there in the same amount of time. And I don't have to pay for gas.

In terms of distribution, it's predominantly health-care related.

We want to stress that there's more downside and uncertainty ahead. But we remain optimistic that the strength of Florida's overall economy will carry us through.

We remain optimistic that the strength of Florida's economy is going to carry us through any worst-case scenario.

I am so thrilled. I think we are an extremely strong exec board . . . [The members] are all enthusiastic and have good heads on their shoulders.

Each scenario brings its own headaches.