The convenience group is declining rapidly. In 1998 that group made up 16.8% of our sample. The 3% that was read more

The convenience group is declining rapidly. In 1998 that group made up 16.8% of our sample. The 3% that was lost by 2003 was about evenly split among the other four groups.

Our trading multiple has come up but it's still below the average of our peers and is particularly low on read more

Our trading multiple has come up but it's still below the average of our peers and is particularly low on a forward basis. We are slowly building confidence - one quarter at a time - and we think it is eventually going to be noticed by the market.

We've been telling our clients that their portfolios should be over-weighted in investment services and credit cards. Those are the read more

We've been telling our clients that their portfolios should be over-weighted in investment services and credit cards. Those are the two segments of the financial services industry that we think have the best fundamentals. And we stick by that advice right now.

This is the first time the U.S. bond market has not been leading other bond markets.

This is the first time the U.S. bond market has not been leading other bond markets.

I think that Spanish people are showing again their strength, their solidarity, and the common effort in order to overcome read more

I think that Spanish people are showing again their strength, their solidarity, and the common effort in order to overcome the atrocities of pain and terrorism,

A good analogy would be that I don't know any customer who wants their vehicle built in their driveway and read more

A good analogy would be that I don't know any customer who wants their vehicle built in their driveway and rained on for nine months before they get a chance to sit in it. Moisture is the largest enemy of construction. Once moisture gets into the material, it starts to shrink and mold even before it goes to production.

I check my e-mail account about twice a day. I like it a lot better. It's easier to access and read more

I check my e-mail account about twice a day. I like it a lot better. It's easier to access and get information right away.

When you can raise (a snowmaking gun) higher above the snow, the water droplets have a longer time to freeze read more

When you can raise (a snowmaking gun) higher above the snow, the water droplets have a longer time to freeze before they hit the ground, ... That takes less energy, and we've noticed a significant efficiency with them. Really, our goal is to be more efficient. This equipment gives us a better air-to-water ratio that allows us to put more product out there at marginal temperatures.

Private patients, if they do not like me, can go elsewhere; but the poor devils in the hospital I am read more

Private patients, if they do not like me, can go elsewhere; but the poor devils in the hospital I am bound to take care of.