We are not committed to building one. But we want to keep the nuclear option open.

The industry is out there building branches at an extremely active clip -- a new one is slated to open every 2-1/2 hours until the end of 2005. Bank margins will have to come back down to support the increased cost of running all those branches.

We have options for dealing with this, but there is one option we do not have, and that is the option of simply walking away.

we might not ever need to look at that option, but its one of our options.

assignments are not an option.

They were becoming like a little Mafia. If one committed a mischief, the others would not tell.