Smoke is an issue. I don't recommend them for residential environment without raising the chimney. ... With the proper chimney height it shouldn't be an issue.

The tech market was a speculators' market back then. It was a difficult environment to invest in. Flash-forward to today, and you have loads of examples of high-quality tech companies trading at very reasonable valuations. ... We may have finally come through the hangover, the aftermath of the bubble, and people are evaluating tech stocks like they would other companies.

It is the whole environment that is created in the doctor-patient relationship, in that it is not really permissive on either side, ... Neither side is encouraging the other to talk about it.

You're in an environment where initially those costs are not as they were before.

Now we're moving into an environment where we've got consolidation at the industry level [and] restructuring at the bank level. It's really anybody's guess right now who the winners and losers are going to be.

If you think this is a tough environment, the fire hose is going to be on full stream in the third quarter.