The fact that they are able to generate on their Canadian (personal and commercial) business 12 percent in earnings growth, I think that's very positive.

TD has a good growth story.

I'm responsible for the growth of the business, and there are many different ways we can do that, through looking at subscriber growth and revenue per household.

The results look good. It's very positive in terms of the overall credit cost. The credit quality looks strong.

I am looking at recurrent earnings growth of 10 percent in 2006 for the banks, if you strip out exceptional items. Industry loan growth should be about 8 percent this year.

You shouldn't get bids just because you're minority. You should get bids because you're a good business owner and you're providing quality and service.