You have to respond to what people are upset about. If the concern is that the place is filthy, you send in trucks and try to clean the place up.

There was no formula. But after a year or two, seeing Lindsay walking down 125th Street in Harlem was not unusual. They understood what he was telling them: He didn't say that he could instantly make housing better, but that the person in charge of the government really did care and was doing the best he could.

There was a message of restraint, of great discipline, of great pre-planning, to eliminate as much as possible the random acts, the guys feeling isolated, the guys feeling threatened. This was very different from what happened in a lot of other cities.

In response to the significant devastation caused by Hurricane Katrina, our primary concern continues to be for all those individuals impacted by Katrina, including our customers, agents and brokers, and employees who have been directly and seriously affected. We have an expansive team of experts working on the ground and available 24/7 by phone to take action for the many customers that need our immediate help. Our thoughts are with those who have lost so much and continue to be affected by Katrina's aftermath.

There's extreme concern we may lose a levee in that area.

There was a sense that a year-end rally would take us higher, but there's some concern from the bond market flattening. The inverting of the yield curve would bring us more problems in 2006. We also have light volume, exaggerating moves to both sides.