Five years ago we set a goal of having $1 trillion in assets under management by the year 2005. We've reached that goal four years ahead of schedule. When we sat that goal, we had $125 billion in customer assets.

That's what got us into this situation a year ago. I spent a great deal of time with the community ... to ensure the numbers we were using were the right ones, because I didn't want to do what we're doing now.

Twenty-five years ago, we had around 250 moose in that unit. This year we counted 11 in our survey area. We think we are losing them to disease, similar to what's happening in northwestern Minnesota.

I would like to go back and get the four-year degree. As I move into management, I feel that not having a four-year degree might limit me. And part of it is personal. A college degree is a nice thing to have. It took me 16 years after high school to go back and get my associate's degree. I may as well go the whole way.

We know this Scotland are very, very different from the Scotland of five years ago,

You need to manage carefully what you measure while carefully understanding that you can’t measure what you do not manage.