2005 represented another strong year for First Midwest as measured by the fundamentals of profitability, asset formation, fee-based revenue growth and asset quality.

You can only do so much in asset-backed before you're hurting your profitability.

We do not think these strong gains have been irrational or speculative, they are based in fundamentals.

You can't just roll back a fee without a substitute revenue stream.

Fiscal 2005 represented a record year for Red Robin in terms of revenue, earnings, and new restaurant openings - all are milestones for which the entire team should be very proud. We continued to experience good guest traffic growth which is a testament to our appeal to America's families, our strong price to value relationship, as well as the outstanding experiences that Red Robin team members are creating for our guests.

The sins of the Midwest: flatness, emptiness, a necessary acceptance of the familiar. Where is the romance in being buried alive? In growing old?