Opening stores is something we do very well and we are continuing to work with local organizations to not only handle those issues but also to help other area business to take advantage of our traffic.

You need to understand how incentives work in organizations, how options are priced, combined with the complexities of the latest financial techniques. But you need to make it work in the real world...That's the gap we really want to bridge.

It's the companies and organizations that are really taking and doing the expansion and providing the resources to work on these projects.

We know that in time of very large disasters, many new organizations step forward and join the response effort. We plan to forge partnerships ahead of time so we can make coordination easier and give good partners what they need to better serve their community.

We still reach out to the needy and work with many organizations and raise the money ourselves.

We clearly recognize that it is very important to work with faith-based organizations.