Tennessee typically parallels the national average or stays just a few cents below it.

Marijuana, we're concerned about because it is the most frequently used even though we're below the national average. It's being used by young children and it starts out innocently, and it becomes a gateway to more serious (drugs).

We need to take it with a grain of salt when it comes to speculation of what may happen in the future.

This is not uncharted territory. As much as we dislike it, we are not as alarmed. You are not going to find anybody who will tell you they are going to cancel their travel plans.

It does seem to be much more reactionary and that may be because so much is at stake. We are looking at crude oil at $68 a barrel when for years it never went above $30 a barrel.

We recognize we could be dead wrong. But when we look at the fundamentals of supply and demand, we see an awful lot that points to the supply side.