The current economic expansion of the last three to four years has been hugely geared to consumer spending, while corporations have been sitting on their wallets. We think that trend is going to start reversing in 2006.

Both of Johnson Controls' lines of business will benefit from an increasing willingness to invest in productivity-enhancing products and services.

Consumers reacted to what happened in the last few years by going out and spending more money than they made, while corporations hoarded their cash and focused on improving their internal finances and returns to shareholders.

When thieves steal information from corporations, they rob enterprises of valuable assets: business intelligence, brand equity and self-determination over IT investments. These assets have a quantifiable monetary value and are vital for sustaining a competitive advantage.

San Francisco is coming back. Corporations are once again locating in The City and a rebound in Silicon Valley is helping the entire Bay Area. San Francisco's position as a gateway to Asia is also advantageous given the strength in the Asian economy.

Manufacturers, banks, corporations and rental companies are sitting with a tremendous amount of used cars. And that's good for consumers,