Management is conservative and has a slow-and-steady approach that will not let the core business suffer at the seduction of hyper-expansion.

You get the customer, the primary customer, which is the child, in the door, and then the adult will also typically buy something else, adding to revenues and profits.

With a new management team in place, the review process will likely lead to more conservative revenue growth, and therefore (earnings) performance, in the near term.

As the biologist, the best management would be conservative, permit-only hunting. That's not the way the public wants it. They want to maintain a general season.

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.

Anything with a conservative payback in three years is good business.