Impairments have been very much in line with our expectations. This will continue in retail terms to be a very benign credit cycle,

We're very clear about the prospects in the UK, and frankly large acquisitions will struggle to enhance value against those prospects.

We have high expectations. The sky is the limit.

Although we did exceed expectations for the first quarter, and we expect to be substantially in line with our previous second-quarter projections, the continuing slowdown in the economy is significantly impacting our business,

If I had any guy I'd want to have those expectations, it would be him. He's been carrying a heavy load for a long time. He's got high expectations for himself. Everybody has high expectations for him. But, hey, I think he's going to live up to the billing.

is going extremely well, far beyond my wildest expectations.