Our main interest is environmental. We work in the environment every day of our lives and we want to keep it clean for future generations.

I'm excited. We try very hard to be environmentally sound and we have done some things we are very proud of. This is just another piece in the puzzle. Our main focus is a clean environment and the fuel cell just continues on that process.

I am pleased to report another year of record earnings. We have been challenged with a difficult interest rate environment over the last few years; however, we continue to produce shareholder value by remaining disciplined on executing our business plan. During this difficult operating environment, we focused intensely on preserving shareholder equity by not stretching for profits through strategies that are bets on interest rates, which later are unwound at a great cost of capital.

We like Carlisle a great deal, ... We think with the lowering interest rate environment it should do very well.

We agree with the consensus out there about the interest rate environment, and we are taking steps to react to that by working harder on the deposit side,

Coming off a fairly steady rate environment in 2004, these are very modest interest rate increases for the level of economic growth we are expecting.