But they want consumers to pay interest on the amount that's deferred.

I already spend 23 hours a day in class. When am I going to have time to apply to other schools?

There is always a balance between trying to please some of the special-interest groups and constituency groups in Washington and not engaging in that, ... If you don't, there are questions about their morale and their support. Leadership will require that we do the right thing, not just simply what constituents want, unless you think they're right.

Interest rate uncertainty and the fact that major blue chips have already announced results force a new correction on the market.

Stronger regulation and supervision aimed at problems with underwriting practices and lenders' risk management would have been a more effective and surgical approach to constraining the housing bubble than a general increase in interest rates.

I loved my Communications class. The toughest one I had was Oceanography only because I didn't have too much interest in the oceans.