We are looking at how we as a system create growth given the changes.

If there's going to be another growth cycle in terms of schools, I'm not sure where it's going to come from.

Our advertising tells the truth, and we stand by it.

This is all about replacing old, inefficient gas units and taking advantage of growth in Texas.

The unit growth is not so strong as to offset the price declines they're seeing in their chips.

ABS (issuance) will be down a little bit in the coming year because most of the growth was in the home equity sector.