Our research shows that the Indian population tends to spend more and save less versus Chinese consumers who save up to 40 percent of their income.

We are the only flagship state institution that is serving a Hispanic population and also is a major research institution. Even at the business school there is a particular emphasis on the management of technology. We have a program in science, engineering, and business that will guide graduates on how to do a start-up properly.

It remains to be seen whether or not this will be helpful for the entire population before we make a statement about this. But it is being studied, it has been studied, and we're waiting for the results of that study to be completed ... hopefully within the next couple of years.

As the China stock market creates more wealth, you'll see more. There are 230 millionaires in China, and they're adding more every day.

We definitely see a leveling off in sales growth this year. However, there are a number of positive factors -- such as improvements in disposable income, increased corporate spending and relatively low unemployment -- that will help maintain sales.

We've had much debate here about the holiday season, ... Higher gas prices have mostly taken more money away from low-income consumers.