My forecast certainly didn't factor the added payment.

They've had strong quarters before, especially the first quarter. Historically, that's been one of their strongest quarters. But whether this can be sustained, that's the next challenge.

I am looking at recurrent earnings growth of 10 percent in 2006 for the banks, if you strip out exceptional items. Industry loan growth should be about 8 percent this year.

That's not expected. It doesn't really affect the operations but it's something nasty in the results anyway.

Well I am afraid that I am going to die, because I have just put a down payment on a house.

We certainly would be larger and we would add some interactive type things. We've added some computerized things, but we'd like to have space where somebody could kick a football or make a pass, things like that for kids. Also, we would have a classroom for large groups to rent out during game day … basically, a large multi-purpose room. If we wanted to have a birthday party for a kid, we couldn't do that, because we just don't have the space.