I would say that to extrapolate a sea change in the industry from one tragic situation would be nothing more than a knee-jerk reaction. It would be ridiculous to limit ourselves in our production. But kudos to them for going above and beyond.

A 30-year fixed loan is really an insurance policy that the rate won't change.

It's a hotel, ... The only change you can make is the name.

It's tough to make a change if you're going good.

We must learn to view change as a natural phenomenon - to anticipate it and plan for it.

We really believe we can change kids' lives. We're looking to take a young person who may not have a great deal of motivation, who may not feel very strongly about who they are, and help them find their passion - to make them realize who they are, what they are capable of doing and give them an opportunity to do it.