In an environment where the interest rate is expected to go down, the market will be positive.

As a result of a rising interest rate environment — which is a positive for a bank like Frost with an asset-sensitive balance sheet — net interest margin for the year rose again to 4.45 percent, the highest level since 2002. Loans ended the year at $6.1 billion, reaching their highest level ever, and deposits rose to $9.1 billion, also a record.

It's a spectacular type of program that will interest not only musicians but laypeople and young people,

A lot of factors are positive for the sector, there's Christmas turnover, a stronger rand which means interest rates will remain as they are or even another cut as some people are suggesting.

Still, [Japan] will keep its low interest rate environment. And more and more money from individuals and (corporations) will flow into America and Europe -- mostly to North America.

These actions will improve the learning climate and assure a safer learning environment,