Seven of our ten units had double-digit earnings growth and an eighth had record earnings.

We have a growth platform, this is a growth company, and as the market understands that we believe our stock will do very well.

The consumer electronics industry continues to enjoy healthy growth and consumers are faring even better thanks to competitive pricing and overall price deflation, ... While price declines and competition place pressure on profit margins, these factors also help drive total unit sales as consumers flock to join the digital era. With this in mind, we have upwardly revised sales projections for several product categories in our updated 2005 forecast report.

We've been helped by the markets but the great thing about Chase is its balance. We are the world's largest raiser of debt capital for corporations. If the equity market is not strong it creates a lot of opportunity in the debt market and that's where we dominate.

We do not feel at any time that the security of the plant has been in jeopardy.

We are laser-light focused on this expense issue, and we've been able to get a much, much clearer view in terms of sizing our business and finding out exactly who we want to have on the A-team,