We're off to a great start in fiscal 1999, with trading volumes and account growth during the first quarter turning out to be stronger than we expected.

I'm a conservative Republican, ... We need to support President Bush 's agenda. ... We have to have a culture that respects life, that respects the unborn.

I grew up with great values and tremendous opportunities, ... I want my three kids and other's people's children to have the same opportunities that I had.

The advent of the new communications system, which is online, allows the individual consumer to have more information faster at less expense than they have ever had before. This gives them the confidence and sophistication to manage their own money.

When we're wrong, we tell the customer we're sorry and we pay for it. When we're not wrong, the customer, in all fairness to our shareholders, as responsible managers, the customer has to pay for their own mistakes,

We feel now is the time to deepen our management structure and bring it a stronger technology orientation and focus. As this growth continues, we're confident that Tom's business and technology leadership skills will prove invaluable in guiding the company to the levels that we need to provide our customers the highest quality products and services,