Even though the regulatory process is slow and frustrating, I saw that as an advantage of being a barrier to competition.

Most people like doing business with people that are from where they are from. The investors in this bank live in this neighborhood, live in Dallas and share in the belief that independent, locally owned banks can provide a benefit to the community.

From a business standpoint, the attractive thing of starting and owning and investing in a bank is that it is a service that everyone needs and uses.

We also like, believe it or not, Morgan Stanley, which is our top pick in the brokerage field, although they may have another quarter and some stuff to wade through. It's selling at a very steep discount to the group. It's our top pick,

Generally speaking, the whole point of adult masquerades is that you get to do something that you don't normally do.

If critics say your work stinks it's because they want it to stink and they can make it stink by scaring you into conformity with their comfortable little standards. Standards so low that they can no longer be considered "dangerous" but set in place in their compartmental understandings.