That is the type of player he is. In the clutch we are going to go to him. We have set plays for him in that situation, and he always comes through.

That is one of the brightest spots in the TD story. That arrangement with Ameritrade is going to be the source of very significant synergies.

It's always going to be a game. You have to credit Norwood, they came out and they were hitting their shots and scrapping. We needed to compose ourselves and put together a better 16 minutes in the second.

I'm not going to say that there wasn't some good defense in there, but it was a sloppy game -- a lot of throwing the ball around the gym and we didn't finish well. It was two close ones, a win and a loss, in a good tournament. It will help us out down the line.

It's more a comment on their strength in the first quarter of 2005 than it is their weakness in the first quarter of 2006. It's clear it was a very good quarter for National Bank.

If they begin to deliver tangible evidence that they're making good progress on the cost savings front, the market will view that favorably.