David Graham is a quality striker and I'm sure he'll score the goals we need and produce the goods.

Our goals are pretty simple. We want to quality for states. But when we do, we want to make an impact.

Set your goals high, and don't stop till you get there.

Our margins are better and we maintained asset quality. We will continue to invest in a resurgent Asia but will balance our growth with a stronger focus on productivity.

The company continues to deliver quality earnings growth above our stated goals,

We are doing a lot of things differently and attention to quality has heightened considerably.