It takes two to tangle, and if you can convince one of those two people to back off and let the other guy behave badly but not take it personally, you can defuse many of these situations before they ever get started.

We just try to update our stuff and make sure we have what people are looking for and can't really find in other places.

When we do our pre-game talk, we talk about certain people not liking pressure. But it seems like none of their players likes pressure. We tried to jump on that, totally, because that got our defense going. And we knew that if we kept pounding them and pounding them ? not just stealing the ball but just getting stops ? that would frustrate them.

A lot of people make the mistake of having a lampshade that is too big or too small for the base.

People always think they need these big shades on standing lamps. But they don?t, and it can be almost any shape.

In 2006, we have a number of initiatives in our wealth management and insurance business which will take advantage of the increasing size of our retail customer base.