Wachovia faces a difficult dilemma in seeking growth in 2006. It's coming off a really outstanding year in 2005, and it has reached the size when it's really difficult to sustain double-digit performance growth.

After all, why should consumers pay for free-standing real-estate offices and branch banks when you can combine both service offerings under the same roof?

If we boost productivity, we can improve economic growth.

We are going to focus even more attention on the high-growth markets where we can gain additional leverage from the company's overall branding efforts. We plan to fuel significant new growth in our retail mortgage operations by re-directing resources to our most productive and profitable activities.

Within each of us is a light, awake, encoded in the fibers of our existence. Divine ecstasy is the totality of this marvelous creation experienced in the hearts of humanity

Live simply. Deepest joy is like a flower....beautiful in essence.