Anytime you don't have (Laurel) citizens covered, it's a concern.

The great concern is that people aren't going to be aware the drug they are taking is not covered, and they are going to end up getting told at the pharmacy.

We have limited information on the disaster. Our immediate focus and concern are for the well-being and safety of Morgan Stanley employees.

You don't see too many women and when you do, they're all covered up,

it's not at all like kind of the level of Pakistan by any means, but it's a concern that they are going around buying things illegally and the government can kind of say, 'Well, we are not really responsible because we sold this offer to a company that then goes out and does it and (the company) that is responsible.

The biggest concern with that amendment are annual increases with no decreases. If we have substantial bad economic times, it continues to go up.