There is no silver bullet. You have to recognize you have the problem, and manage your business to address it. Nothing will eliminate fraud altogether.

Merchants are declining 15 percent to 20 percent of transactions to keep fraud down to 1 percent. That's the real concern.

I once loved this game. But after being traded four times, I realized that it's nothing but a business. I treat my horses better than the owners treat us. It's a shame they've destroyed my love for the game.

We believe that if we can take the profitability out of this business, we can save the lives of thousands of kids.

It's the type of business we are — we can't pass the cost along to our customers. We have to go with what insurance and Medicare does.

I was having a bad day today, but it's part of the business, you know, so you just try to manage your risks for what you can accept,