Rates are based on computer modeling that predicts future risk, not about recouping past losses.

No, we didn't get anything in writing. We all know about his past, but we're just concentrating on the future. We're just hoping it all works out for the best.

We went from one million to 20 million subscribers in the past five years. That's great, but a billion people watch CNN.

Global imbalances have become wider over the past few years. The risk is significant of a sharp adjustment.

This program allows lenders to build a risk preparedness model to respond to future disasters. In addition, the graphical representation allows managers to quickly assess and communicate the risk to their business in the event of a disaster.

Pioneering efforts are challenging. Risk is high. But the future payoff is tremendous. As you have seen, we have not had total success. But we have captured the imagination of the students and the general public. And we have already learned a lot from this activity. This will help us and others grow from this experience.