We're going to have more tools in the bag than just reselling Qwest.

This is a huge undertaking. We're not an engraving shop and have never done anything like this.

We selected Bellingham for our first Washington-area office because it's a medium-sized community that is a perfect match for our expertise and service offerings.

Resale is a model that won't work over the long haul.

They flooded liquidity in the marketplace but the mortgage rate is based much more on expectations of inflation. So if the average investor believes that there is inflation coming, they'll move that rate up.

The automatic stabilizer is unemployment insurance, food stamps, additional coverage of Medicaid.