The great thing about mutual funds is that most of the time the money isn't invested in any one fund, so it's like the risk spreads.

You need to start, you need to be consistent with it, and you need to let the compound interest work (in a mutual fund).

It's the culture that we live in. Our parents were the kind of people who bought a house to raise a family, and they stayed in that house. By staying in that house, they built equity. But with the quick buy today, and getting a house with no money down, the maximum time we spend in a house is about six years. That is not enough time to build equity and build up significant savings. When you create equity, you create savings.

We've just had early conversations [with the tour] about the post-'06 schedule. Any time you spend big money, you take a hard look at what you're doing. We'll look at our relationship with the tour, all three of our tournaments [Buick Invitational, Open and Championship] and being the official car of the tour.

If we were motivated by money, we would have sold the company a long time ago and ended up on a beach.

A corporation's primary goal is to make money. Government's primary role is to take a big chunk of that money and give it to others.