As a thrift, they can go anywhere, take a deposit from anyone and the lending restrictions are a lot less than for a credit union.

The prognosis is really dismal. Anywhere along the coast we're looking at severe restrictions, and it's as bad as last year if not worse. This is going to be devastating.

One of the recommendations we want from the court is that it's one project.

That's where the 'more' comes in; we want to be more than just a thrift store.

But then when you look anywhere south, it's dry, dry.

Imagination lending;Is the art of brightening someone's dreams with anothers thinking.