Even though our new lending group, along with the hiring of other seasoned personnel, increased our operating expenses slightly, our efficiency ratio for the quarter remained strong.

We could probably win more often if we were willing to deploy seasoned personnel and equip them with sufficient carrots and sticks.

They are a hardened group, operating with reckless abandon.

These are new programs, new dollars, ... They do not pay for operating expenses. Not one dollar, not one cent, is going to (beds in the shelter).

I see things in his offense that I want to take advantage of, some personnel mismatches. I want to take advantage of all the different downhill runs that Frank talks about. I also want to throw the football vertically and I want to be in multiple-personnel groups. That's what's important to me.

Those who attend to small expenses are always rich