Right now I don't anticipate sending any of (the FEMA money) back. If the conditions change, we will adjust the numbers accordingly.

Look at that! It?s right on the money! Right on the money!

The insurance company won't give us any money until we settle. Once we do, it will take eight weeks to get up and running again. They won't give us business interruption insurance until we accept the settlement, but they are underestimating.

The Legislature will not waste taxpayers' money and come back to town to do something this board has already done.

I think it will be an evolutionary change lasting until after 2005, which means after the remaining Y2K work is over. As software packages get better and more tailorable by business people, the business people will become the technology people -- and that will turn things around.

Times will change, but not in 2006. It's not so easy for phone companies like Telstra to make money like they used to. They're a hard sell to investors.