After a particularly volatile year in 2005 for consumer sentiment, we may be entering steadier times in 2006. However, given households' high levels of debt and sensitivity to interest rates, this calm would be dramatically disturbed if interest rate concerns returned.

Quarterly figures are very volatile and susceptible to revision, particularly at the turn of the year.

I am very proud of the titles I have earned. However, the honorary title I have been given this year as chairman of the VA National Salute to Hospitalized Veterans program is one I accept with great humility and pride. I encourage all Americans to visit some true champions this Valentine's week and find out how you can serve those who have served us so well.

Coach (Todd) Butler played a lot of sophomores two years ago and a lot of juniors last year. Now they are seniors and it's paying dividends.

This surplus was particularly gratifying, given the numerous challenges affecting our bottom line at the end of the year,

Economists have to worry that if consumer sentiment remains depressed, spending could follow that down and you could have a much weaker outcome (in terms of economic growth.