We?re excited to be here. We not going anywhere. This is a good company.

We at the university continue to believe that the 45-foot height along Lincoln Way and Beach (Avenue) is compatible with the remainder of the east university-impacted area.

All we do is mortgages. We are a very large, well-funded company.

We?re new to Maine but not to the industry by any stretch.

There are short-term questions to be sure -- the impact of changes in residential housing markets and the prospects for inflation are two -- but, overall, the economy in 2006 seems likely to be very well-behaved.

We may be entering a period in which policy changes are even more dependent than they have been on current readings of the economy, with all the uncertainty such readings can bring.