Most of the debate is framed in terms of us and them. You have some folks on the left saying how they help us. And then you have people on the right saying how they pose a threat to us.

We're not pushing one point of view. We're just saying, 'Here's the debate, participate in it if you would like to.

He likes to see debate. He thinks it's very healthy, very constructive for the process. Oftentimes, he has to make the deciding decision when he has his advisers on both sides of the same subject.

There will be a vigorous debate on this. Nothing is settled.

I thought last year there would have been a debate over this after the four hurricanes we experienced.

Investors are saying 2006 is going to be a very difficult year for retail.