We need to have the same intensity.

Sometimes when we come out to warm up, we're a little slow. But I felt it today. We came out ready to play and we wanted this win.

We were playing good defense and we were running our offense okay but we had to pick it up. We kept it up. The coach said to pick up our intensity and execute.

The good characters in my book are loosely based on folks I know. All the bad stuff is made up.

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.

In general, this should be a mixed quarter, ... Clearly, M&A is strong but the IPO market has slowed down, the equity market is weakening and the fixed income market is limping along.