People will feel they did not make a lot of money (this year), and yet they may well see some significant capital gains taxes due on their funds holdings.

Number one, long term, they will be a no-load buyer and a more cost-conscious investor and not lean so heavily on the advice of financial professionals. And two, it will force them to do a little self-educating, which is always a good thing. At the very least, if they are going to rely on someone else, they can ask intelligent questions.

The long-term virtue of this idea, what you'll begin to create, is a terrific lifetime habit that will give a person a great deal of lasting benefit. That weighs a lot more than the short-term thrill of tearing off the wrapping paper.

We're looking at different ways to build a fund that will provide financial incentives to production companies for money they spend in the state.

If you can spend the money now, and dedicate the money now, you will get a return, you will reduce the number of unwanted animals, you will reduce the cost.

Actually, the motorcycle industry grew after 9/11, ... People just took their money out of the stock market to buy toys.