Our objective now is to sustain, over the cycle, this level of pretax return on equity and double-digit earnings per read more

Our objective now is to sustain, over the cycle, this level of pretax return on equity and double-digit earnings per share growth.

It recognized that a number of people had made housing choices on the assumption that they had raised their children read more

It recognized that a number of people had made housing choices on the assumption that they had raised their children and had made a conscious decision to chose a lifestyle without (other people's) children.

I'm putting myself and my team in a position where we have a chance. Last year at this time, something read more

I'm putting myself and my team in a position where we have a chance. Last year at this time, something else might have happened. I might not have put the ball in play. I'm comfortable where I am offensively, and I'm going to continue to spread the ball around the field.

Apprentice is the beginner - the first years you work in a craft in the European sense you are an read more

Apprentice is the beginner - the first years you work in a craft in the European sense you are an apprentice. That takes 3 or 4 years. Then you are a journeyman. You can go from one master to another and learn other tricks and other secrets.

Who are you to judge the life I live? I know I'm not perfect and I don't live to be. read more

Who are you to judge the life I live? I know I'm not perfect and I don't live to be. But, before you start pointing fingers, make sure your hands are clean.

I wanted to break [the course record of 57:37], but it just didn't go my way, ... A couple wrong read more

I wanted to break [the course record of 57:37], but it just didn't go my way, ... A couple wrong turns, I was by myself from the beginning. It's tough.

Water heats up much more slowly than land surfaces, so in the summer the water is acting to cool the read more

Water heats up much more slowly than land surfaces, so in the summer the water is acting to cool the surrounding land surface. In the winter, the opposite happens. In winter the water remains warmer than the surrounding land.

They have a core group of some of the best players in Georgia.

They have a core group of some of the best players in Georgia.

We don't expect any major surprises.

We don't expect any major surprises.