We expected it to happen by the end of the year, certainly not in the first quarter. The last thousand points have really been at breakneck speed.

It certainly doesn't hurt, ... It always helps to hear her say that she's still confident but it's 12 months out.

I think the early going, the higher oil prices are what's happening, ... We could certainly work our way through it if we get some good earnings.

There's certainly not one thing you can point to and say 'this is because,' ... It's company by company.