We're pretty much on schedule, ... We are talking to some people right now, but mergers are unpredictable. ... We'd like to see a transaction in the early part of 2006, but whether we will or not, frankly, depends on the sellers.

I think you blacked out for a little bit there,

A lot of it is the seat-of-your-pants-type thing and a lot of faith and trust in people.

Ninety percent of our stuff is there. We were planning to sell this house as quick as we can and move there, and now we understand, the best reports we're getting that our house there is underwater.

BB&T over the years largely has grown through the merger-and- acquisition process, acquiring community banks and thrifts, and that's been successful on our part. Over the last year we've had a little of this indigestion from a lot of mergers over a short period. We needed to take a little breather to refocus on organic revenue growth, and we think we're near that period of time where our internal operations are where we want, so we're looking at getting back into the (M&A) business.

Boy, I feel bad, ... There's so much I want to show you.