If we don't work together . . . we run the risk of changes that are difficult or impossible to correct.

We can't do what Chandler does, and we can't do what Goodyear does, and we can't do what Scottsdale does. We have to do something to make Fountain Hills unique.

Fountain Hills can be a destination. It can grow in a managed way.

Rising oil prices are the biggest risk to what is otherwise shaping up as a robust recovery.

Americans can't afford the high cost of insurance, and more of them are being forced to go without. Risk pools aren't intended to address that problem. It's good that you are looking at other programs, other options to tackle that issue.

We took a big risk that investors would see the value of our approach and participate.