We're concerned (the charges) will overshadow what was a very strong quarter.

It's not a great quarter from an earnings standpoint, but relative to the volume adjustment, we think not a bad one.

If you can solve individuals' income needs, then they will hand over all of their money.

There is a $600 million break up fee presuming certain events happen. I don't think it is a given that American General is obligated to pay the breakup fee.

There are ways to get around that, though.

Prudential has worked hard to get rid of its underperforming units and we're starting to see the benefit of that now. Prudential continues to gather steam.