There's going to be further consolidation in the insurance industry, and I would say John Hancock is a definite candidate.

I would say John Hancock is a definite [buyout] candidate.

I think we're going to see further consolidation in the pharmaceutical industry. I think that's going to continue into 1999.

It's like standing on top of the John Hancock. This is the best we've been.

We've heard the bad news. Now we have to hear the good news.

You're one person and I could have a group of loans that will go to that bank.