This is clearly something that's on our radar and we're currently talking with the trustees about options to reduce that deficit. We're pretty confident we will be able to make a reduction.

We are taking this matter seriously, and I would hope that something had happened within six months.

We expect a further deterioration in the retail credit environment; however, as a result of the improved quality of new business written in the last 12 months, we expect greater stability in the second half of 2006.

He's a nice boy. I'm glad he's here to help me around and I enjoy talking to him.

Never fail to know that if you are doing all the talking, you are boring somebody.

Our chief defect is that we are more given to talking about things than to doing them