If they begin to deliver tangible evidence that they're making good progress on the cost savings front, the market will view that favorably.

That is one of the brightest spots in the TD story. That arrangement with Ameritrade is going to be the source of very significant synergies.

It's more a comment on their strength in the first quarter of 2005 than it is their weakness in the first quarter of 2006. It's clear it was a very good quarter for National Bank.

That's the strength of our team. Our progress will continue to be measured by running and our offensive line. That's where we'll hitch our success. After last week, against an opponent where the only challenge was having to play against them and we didn't get much work in, it was important for these youngsters to get this full-game test.

Ellicott played hard and we are pleased with our team's progress. We are not a well oiled offensive machine but we are playing very well defensively.

We're making good progress, but we have a ways to go. We are making fewer mistakes, the guys are really hustling and we are getting more confidence.