I've gotten to know Mr. Lay pretty well. He may chuckle, but he doesn't giggle.

A few years ago it seemed that would never happen. Now it seems never is pretty close.

We're looking at a pretty favorable environment for bank stocks, and financials in general, over the next three-to-six months. But what I would say is that there's still a little bit of an overhang in terms of the commercial banking sector, due to credit quality concerns. So that's going to weigh heavily on the banks. But we could see growth in some of the other areas. Brokerage continues to be very strong,

They thumped us pretty good. They did a lot of the things we like to do, they just did them better.

We want to try and embarrass them and beat them by 30. They gave us a pretty good butt kicking. I give them credit, they played well, but we came out with no energy, came out flat, and let them do whatever they wanted to do.

Look at ticket prices to the Rose Bowl or NCAA Final Four -- they're pretty high, even though those players don't get paid. If it was player salaries driving, the tickets would be much cheaper.