They made a one-year offer that we don't see as being even close to being fair value. Where are we right now? I'm not sure.

Given the short period of time they have had to operate, GMs have preferred reliable veterans as opposed to unproven rookies.

I've spoken with Mike a number of times and given him a variety of proposals that we're open to doing.

I think it will balance out to a certain extent.

Is any of this stuff going to destroy the underlying value of Citigroup? ... The answer is: No.

The group who had reported skin cancer in 1982 had about a 25 to 30 percent higher death rate from cancers generally during the next 12 years than people who did not report skin cancer.