We've got the European Championships coming up next year and the game is all about getting ready for them.

Everything is lining up for a rate cut. It seems the heat is coming off the economy, with consumer demand also slowing down.

Sometimes in Leominster High School it is very hot in some of our areas. I think if all of us know it is coming and can prepare for it, it will be fine.

The first quarter is seasonally always the strongest, but coming off the huge year we had in '03, people figured it (fixed income) would be fine, but nothing great, ... But it's done much better than expected, and that's important for these banks.

He's really coming on; he will be a big piece of the pie for us.