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The numbers aren't good at all, especially because of the costs. Even without what was recently disclosed, investment banking, wealth and. Asset management and even non-life insurance looks heavy on costs.


Javier Lodeiro

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I like to open for a band as it brings on sort of a challenge and it makes things more interesting. ...
KELLY JONES Focus on costs and asset management clearly remains the best course, given the fragile market condit...
GERARD KLEISTERLEE Our life, asset management and general insurance businesses all achieved better results, helped by t...
BOB SCOTT My early work and publications centered around expanding on the analysis of life insurance in my dis...
DOUGLASS NORTH We are probably at the point where the trading cycle is slowing, at least in North America, and it's...
BRAD HINTZ Today, all patients accepted for treatment at St. Jude's are treated without regard for the fami...
MARLO THOMAS Even without specific numbers in front of me, we have to be spending more money because it costs mor...
MAYOR RICHARD MAVIS Higher costs naturally translate into fewer employers offering insurance coverage, and fewer employe...
RISA LAVIZZO-MOUREY It was good already, and IBM keep chipping away at making it easier to use - so that lowers manageme...
JOE CLABBY The recommended strategy is to employ 'smart' buying practices to reduce acquisition and support cos...
TIM BERNERS-LEE Our pre-packaged trade management solution will help investment managers and broker-dealers to centr...
TOM KING Isn't it ironic that pay, perks, and benefits all cost your company at the bottom line, but auth...
CHIP CONLEY Fun is like life insurance; the older you get, the more it costs.
KIN HUBBARD There's more honor in investment management than in investment banking.
CHARLIE MUNGER A year ago, fuel costs were not even on the list of top issues.
GREGG STEINBERG Most companies can survive even if their debt ratings are lowered below investment grade, although t...
ALEX BERENSON Their numbers on medical costs were astronomical. It's a bad contract all around.
ANDY MASON Every man of ambition has to fight his century with its own weapons. What this century worships is w...
OSCAR WILDE Industry looks at research and development for energy efficiency, lowering material costs, so on and...
JAMSHYD GODREJ Everybody's wrestling with rising health care costs and so are we. This is an 80-20 co-insurance pla...
ED STEADHAM Inflation is screaming. All you have to do is look at your life and what it costs.
LEONARD KAPLAN Most of it looks quite good, but the governor wants to look at everything because of what has happen...
JEANINE L'ECUYER What life companies have to do is get their costs down to less than 1 percent of funds under managem...
JOHN RUSSELL Because what happens is, as the economy suffers, tax revenues go down. But unlike businesses, where ...
MEG WHITMAN At first glance, I think it's an excellent result. Wealth management and the investment bank are the...
CLAUDIA MEIER Output has not been increasing as much because of the higher costs of production. Investment is also...
DOUG GODDEN The future of Insurance business;In future the insurance business will move from being a ponzi/lotte...
DAVID ATTA (A.K.A DAVIED ATTLARS & MR DAIN) The short-term effect is likely to be negative. This type of issue costs management time, leads to s...
ERIC DE GRAAF Secret of wealth;Everyday investment,even as minute as $1.
DAVID ATTA (A.K.A DAVIED ATTLARS & MR DAIN) The problem isn't big employers providing health insurance. The problem is health insurance costs.
BILL DOMBROWSKI They're aligning themselves with a very good name in the Internet space; the deal gives them a funne...
DANIEL KUNSTLER I started in investment banking at Allen & Company in 1991. It was the go-go days of media merge...
DARA KHOSROWSHAHI Our insatiable appetite for fossil fuels and the corporate mandate to maximize shareholder value enc...
SYLVIA EARLE There's no getting around the fact that we're incurring higher costs for the insurance protection th...
MICHAEL TREVINO These are important numbers, particularly the one on employment costs. There's some concern about ri...
ADAM BLANKMAN So any increase on [gas costs] will affect our numbers.
STEVE ALLEN We offered them a cap on insurance (costs for employees), and they wanted more and more and more.
JEFF MEYERS Costs for liability insurance are higher than costs for many procedures. There is a need to reform l...
TEMPLE GRANDIN Even when you are right, there are costs and taxes associated with being tactical. When you are wron...
BARRY RITHOLTZ The outlook for our capital markets, investment banking, and wealth management businesses remains po...
GERALD T. MCCAUGHEY Here, the worry of U.S. rates is even greater because it could mean higher borrowing costs abroad an...
HELIO OZAKI The miss on earnings is mostly because of margin compression and increased costs. They run this comp...
CHARLES DI BONA They have made it quite clear they have reached the end of the heavy investment in investment bankin...
EUAN STIRLING A college education is the greatest investment students can make and college education costs are ris...
CARY ISRAEL With borrowing costs on the rise and the wealth effect from real estate assets diminishing, somethin...
BERNARD BAUMOHL Soaring prescription drug costs have placed a tremendous strain on family budgets. They have also im...
SUSAN COLLINS Over 85 percent of all health plans' costs are governed by provider contracts. Without Guardian, hea...
MALCOLM COSTELLO Always count the costs before starting any journey, and never take a step without finding its costs.
OSCAR AULIQ-ICE What we're looking at right now (with rising insurance costs) has upset the apple cart, and they're ...
BEN CARLSON The higher the price of oil goes, the higher your costs are, even with hedging.
KLAUS BREIL Because of this and current management initiatives to reduce costs, we are skeptical about the prosp...
MARK REED Active RFID automates the process of identifying and tracking medical equipment throughout a facilit...
GABI DANIELY We're setting up investment banking now ... people will be on the ground this year. It's one of the ...
CHARLES ALEXANDER In my view, the perils of another burst asset bubble far outweigh the costs of another recession,
STEPHEN ROACH It's all relative. Housing costs might be high is some small pockets in Florida, like South Florida,...
MARC PERRY It costs a lot to study dance. Even if you are good enough, sometimes you just don't have the money.
ALEXANDRA RODRIGUEZ What really got me focused on cancer was when my best friend was diagnosed with breast cancer, and e...
KIRAN MAZUMDAR-SHAW I'll find you, don't worry. My body won't be with you all the time, but you'll always have my heart....
P.C. CAST Growing demand and growing markets and networks will tend to reduce costs and raise efficiency, maki...
LAWRENCE SUMMERS We have cut tooling costs by at least two, maybe even three times because we require significantly f...
CHRISTIAN DECAIX Rate increases for lodgings are mostly a result of supply and demand, especially in major markets. R...
CATHERINE ROSSI Rate increases for lodgings are mostly a result of supply and demand, especially in major markets. R...
CATHERINE L. ROSSI As you know, we have been struggling recently to keep our non-profit symphony orchestra afloat in th...
FRED BERKENKAMP The measures we have announced are aimed at reducing costs as well as addressing loss-making units a...
MICHAEL TRESCHOW Victory at all costs, victory in spite of all terror, victory however long and hard the road may be;...
WINSTON CHURCHILL Victory at all costs, victory in spite of all terror, victory however long and hard the road may be;...
SIR WINSTON CHURCHILL Victory at all costs, victory in spite of all terror, victory however long and hard the road may be;...
WINSTON CHURCHILL Victory at all costs, victory in spite of all terror, victory however long and hard the road may be;...
WINSTON S. CHURCHILL When failure is demonized, people will try to avoid it at all costs—even when it represents nothin...
STEVEN D. LEVITT The part that concerns me the most is the 400-percent site costs. It scares me that we might even be...
AMMON MORGAN At each stage of life, insurance costs tend to go down - to the insurance companies, older and more ...
DAVE STAFFORD The Pell Grant isn't even keeping up with inflation, let alone college costs.
LUKE SWARTHOUT This new technology has the potential to drive down drug manufacturing costs, which could make medic...
MATTHEW PORTNOY It looks a bit disappointing. Net new money is rather small and investment banking doesn't look grea...
DIRK BECKER He was well-versed about the issues we talked about - health care costs, regulatory costs and things...
DAVID HUETHER Do not look for company at all costs, and especially do not allow loneliness to lead you to fickle l...
ERALDO BANOVAC All I ask of the team is to play up to their capabilities and in the second game, that's what they d...
TONY ERNESTO What seems to be Free or Cheap often costs more than what looks like Expensive
THE NEWAGE FOUNDATION They're very good numbers ... most of the growth of the economy over the coming year will come from ...
JOHN EDWARDS “Experience is priceless especially when compared to the costs of inexperience”
GAVIN HOOPER The standard of 'affordable' housing is that which costs roughly 30 percent or less of a fam...
MATTHEW DESMOND In life, the first thing you must do is decide what you really want. Weigh the costs and the results...
ALFRED A. MONTAPERT The increased fuel pries, the increase in the amount of insurance costs, as well as the cost of purc...
GLORIA SUTTON Smaller companies have lower costs and less complexity, and traditional identity-management systems ...
SOMESH SINGH Overage in the quarter (was) mostly due to very strong investment banking results, particularly trad...
GLENN SCHORR Today, health care costs have the potential to significantly erode an individual's retirement saving...
BRAD KIMLER Just as the Internet drops transaction and collaboration costs in business and government, it also d...
DON TAPSCOTT Frustration and Love can’t exist in the same place at the same time, so get real and start doing w...
JASON MRAZ Investors have an interest in knowing actual brokerage and other management costs, and, and in being...
CHRISTOPHER COX Getting a degree costs about $60,000, depending on the student's lifestyle. It's a big investment, a...
DON HEIZER We looked at the option of implementing Email Management System ourselves - the benefits vs. the cos...
KAJ PEDERSEN There are loans where you can finance 100 percent and even closing costs along with it,
CHRIS HUGHES The key point is, different banks clearly have very different strategies. If you look at the Chinese...
BOB PARKER A lot of smaller companies, and even a lot of medium-sized ones, cannot afford the costs of getting ...
DON HUTCHINSON I think they quite like me when I work because I'm one of the safer directors to back, because e...
SATYAJIT RAY Some resorts have a 'develop at all costs' attitude regardless of environmental impacts or public op...
JEFF BERMAN Reasoning based on cost has been strenuously resisted; it violated the Hippocratic Oath, was associa...
EZEKIEL EMANUEL Empathy is the new measurement of everything. It doesn't matter what religion you have, what God you...
C. JOYBELL C. With recent growth, we were soon going to need an upgrade for our Sage MIP Fund Accounting product. ...
CONNIE MILLER By enrolling in a Medicare drug plan, beneficiaries not only get good prices, but insurance against ...
PETER ASHKENAZ

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JAVIER VAZQUEZ I wanted to pitch. I thought I could pitch. The doctor said because I've lost a lot of fluids the pa...
JAVIER VAZQUEZ I just battled out there. The balls just found the holes. I just felt like I was in trouble all nigh...
JAVIER VAZQUEZ It's just disappointing to be losing all these games, man. It's really frustrating. We're not gettin...
JAVIER VAZQUEZ A change-up right down the middle, ... You've got to hit that pitch.
JAVIER VALENTIN I don't know, man. ... What can I say?
JAVIER VALENTIN He made good adjustments after the first two innings. When he gives us more than six innings, we hav...
JAVIER VALENTIN I've been really happy about the way the team has come around in the second half of the season, ... ...
JAVIER VALENTIN I've been trying to shorten my swing a bit more, ... I'm also trying to see the ball more. That's th...
JAVIER VALENTIN You don't know what's going to happen on a play like that,
JAVIER VALENTIN I didn't know what part of my body he hit. But in the morning - my shoulder.
JAVIER VALENTIN He's going to give me one pitch to hit. That's why it's a situation where I can't miss that pitch. B...
JAVIER VALENTIN He's going to try to be careful with me and he's only going to give me one pitch to hit, ... In that...
JAVIER VALENTIN I'll be all right,
JAVIER VALENTIN We are just hoping that this is our year. We have a great team out here and we're confident we can m...
JAVIER TORRES I got a little bit frustrated there at the end of the game, but I knew my defense would help me out.
JAVIER TORRES He really helped me a lot out there tonight. Since he's a pitcher himself, he knows what to tell me ...
JAVIER TORRES I have to give a lot of credit to the defense. Our defense is our greatest strength right now and th...
JAVIER TORRES I hope the player continues to show the same scent for goal that he is showing now, and that he goes...
JAVIER SUBIRATS In this moment, we have presented an offer to player and, until now, we have not had a response.
JAVIER SUBIRATS Viana has great potential and is a very interesting player for us.
JAVIER SUBIRATS The main thing is monitoring what's going on at the desktop level as well as the network level. Know...
JAVIER SANTOYO She said, 'Oh, my God! What did I do?' I told her if the FBI wanted to get a hold of you, they'd kno...
JAVIER SANTOYO