The first two quarters of last year were OK but not stellar. If we still have double digit increases in earnings during the third quarter, that would be good news.

Our goal all year long has been not to give up any double-digit quarters. We've had momentary lapses when we go to sleep or when teams are shooting well. Hopefully, we'll limit those from here on out (in the playoffs).

We're proud of our record fourth-quarter results and fourth consecutive year of double-digit earnings increases despite rising funding costs and related industry-wide pressure on margins.

Apparel retailers were showing strong double-digit increases over last year. Jewelry retailers also showed strong sales,

We don't have an opinion or more importantly a vote one way or another. We're not thrilled with it ... but it's essentially up to the analysts.

We had a stellar first year of development, and we're excited about how many applications are already in-house this year undergoing feasibility studies.