I think people find that it's worth it. If you make the most of it, you're getting way more than your money's worth.

It's just a tradition _ a legacy.

We're not at the stage yet where investors are panic-stricken by any stretch of the imagination. Concerned perhaps, but certainly not panicky. I think from a volume standpoint, safety and quality (is where) the money was moving into and moving out of what we call lots of P and no E companies - lots of price and no earnings.

Fund managers don't want to hand investors high dividends in the year 1999 but if they take them over the course of the year 2000, it doesn't hurt as bad.

Show my head to the people, it is worth seeing.

Sometimes we see people putting upwards of $10,000 worth of after market options and personalization into a vehicle and it's likely they'll never get it back.