The strategy, in its simplest form, is to get what I call a disproportionate share of new people moving into the market.

In forest products, we're still cautious given the softness in the pulp and paper market and the strength of the Canadian dollar.

We think there continues to be some pretty strong price opportunities in the market.

We are delighted to officially enter three dynamic Florida markets through the acquisition of First Florida. First Florida has a team of talented bankers and investment experts who are empowered to deliver financial solutions and make local decisions that best suit their customers' needs. Through our partnership with First Florida, we can increase the resources of the local bank so they can offer even more robust products and services to both commercial and retail consumers in these rapidly growing markets.

We want those guys to take advantage of what that market delivers and support them in their ability to deliver it. The last thing that we want to do is start telling our banks' CEOs what they ought to be doing in their markets because we (in Columbus) don't have the market knowledge that they do.

We're taking another handoff out of the game. The outcome will be to create capacity for the shipping community and give them confidence in our ability to meet their needs to grow.