People may focus on the fourth quarter but overall, it's been a very good year.

Many of the success stories people have shared with me over the years focus on how homeownership has been the key to their financial security. I'm confident these essays will inspire millions of renters to work toward their first home and millions of current homeowners to consider second homes or investment properties as a road to building financial freedom.

We have a special focus on disadvantaged communities. We've never turned a student away. If young people wanted to study and were enthusiastic enough, we'd find a way to educate them.

I don't think Eddie really appreciated how fondly the people at Derbyshire thought of him until recent years and I know it meant such a lot to him when he did.

We absolutely can't wait for conference. This is going to be a total focus week around here.

It's wide open. We just wanted to focus on Roosevelt this week and keep our focus one week at a time.