The living man who does not learn, is dark, dark, like one walking in the night.

They've had strong quarters before, especially the first quarter. Historically, that's been one of their strongest quarters. But whether this can be sustained, that's the next challenge.

TD has a good growth story.

The results look good. It's very positive in terms of the overall credit cost. The credit quality looks strong.

The fact that they are able to generate on their Canadian (personal and commercial) business 12 percent in earnings growth, I think that's very positive.

I am looking at recurrent earnings growth of 10 percent in 2006 for the banks, if you strip out exceptional items. Industry loan growth should be about 8 percent this year.