She's always been that way, and she always will give 100 percent. She'll do what you tell her, and then she will do a little extra.

The biggest thing is that she is dedicated. She doesn't ever let up.

If we see a recovery this year and it becomes a stronger one than we expected, that will adversely affect bank stocks like they did in 1994 and 1999.

Number one, long term, they will be a no-load buyer and a more cost-conscious investor and not lean so heavily on the advice of financial professionals. And two, it will force them to do a little self-educating, which is always a good thing. At the very least, if they are going to rely on someone else, they can ask intelligent questions.

No matter how much you buy, even a small quantity, it will be recorded. When you have a cold, I know you don't like to spend anymore time in the store than you want to, but we think it's a pretty minimal impact.

As time goes on they will make it simpler. It's going to take a while for everyone to get used to.