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,

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.

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,

Since Thanksgiving and throughout the normally slow holiday period, we experienced unexpectedly strong trading activity and that strength has not yet ebbed,