On all fronts, the bill appears to be far from being greased for passage.

My sense is, whatever happens, there's going to be a court challenge.

Land rush may be too strong a term, but we're seeing more and more trying to stake out territory outside their branches.

A lot of folks just don't have the income to handle repayment plans, or they'll start out under a plan and a few years down the road, they'll get into some trouble and not be able to complete it as envisioned.

The Federal Reserve system has been very much a lucky passenger in this growth, ... It's the bond market, through the volatility of longer-term interest rates, that is allowing the economy to continue to expand in a relatively stable manner, and with a decreasing rate of inflation.

In some ways, it will start to look more like Merrill Lynch, which is very strong from a retail standpoint, and also one of the real leaders in the institutional side of the business.