Our inexperience started to show. We have 10 juniors and only one senior starting on defense, they exploited that weakness.

We are going to regroup. We will work to fix those things that we can on defense. Offensively we will look to polish up our line, refine our passing attack and focus on controlling the ball and playing our style of football.

They're solid everywhere. You don't see a weakness anywhere on that defense.

The weakness was primarily in the residential area. That's consistent with the other data we've seen recently that suggest that the housing market is cooling off.

We saw really good results in the first quarter but we just saw weakness at the end of the quarter, so we are giving conservative, and what we think is a prudent, approach in the next quarter,

There's still a bit of a tech wreck going on in the wake of the Nasdaq weakness. The other problem is that we haven't had good sector rotation and we've seen a bit of a sell-off in the banks. The results for the banks have not been too good - they are facing margin pressures.