The banking sector overall remains healthy and strong.

Overall, we had a really good quarter. Southern Nevada remains strong.

The overall sector is being destroyed in the wake of Omnicom.

Overall things are slowing down, but they are slowing from what was basically a very strong, if not frenzied, market.

Moderation of oil prices would be very, very welcome. But overall I think we are in a position of stable growth, sustainable growth, and basically with inflation in check.

We don't have to sacrifice a strong economy for a healthy environment.