I think you'll find most people are optimistic about the merger, ... It's been a while since we've had anything to be excited about.

This is the first wave that's hit Charlotte. Whether there's 10 more or one more wave, we don't know.

I immediately fell in love with these great people.

The lion's share of the people in this room are baby boomers or veterans. Your challenge is going to be to change your focus.

Common sense will tell you that we're only going to get more of these as people get more desperate,

In a chaotic situation like this, there are always people out there looking to take advantage, ... We're willing to do the background checks to keep some of these people away and send a message to those who are thinking about it.