Growth did dip in the fourth quarter, but all of the business surveys suggest it will bounce back quite strongly.

It confirms everyone's expectations that they'll raise rates in March. When growth is improving, you don't want to fuel extra speculation.

We'll know in the fourth quarter that it's been 555 times 4.

We had to bounce back. We wanted to get a win and we did. We buckled down in the fourth quarter.

The fourth quarter wasn't good from a cost point of view either, but quite a few of those things were incidental costs. When you look at unit costs over the year, they went down quite fast, but unfortunately the yields went down a little bit faster.

Right now it's wonderful to celebrate good earnings growth in the first quarter and nice growth in the second quarter, but it's going to get a heck of a lot harder in the third and fourth quarters.