It was more and more challenging to get growth from that asset. We're replacing a slow-growing business that does not fit into our core franchise.

We pick up a terrific business. We are replacing a slower growing franchise that does not fit.

We pick up a terrific business that replaces the earnings that we essentially transfer out. It?s the right asset at the right time.

During this period in rebuild mode, we've seen our growth rate on the base business decline to the 15 to 20 percent range, ... It's not where we want to be, and in 2006, we expect to return to historical levels of growth.

The U.S. economy is doing okay and you have global growth doing fairly well. That's encouraging yields higher. A 5 percent yield in 10-year Treasuries represents fair value.

We don?t have scale to compete at a national level. I think our investor base will appreciate this.