They're really crossing their fingers because disposable income is so low.

They're really crossing their fingers, because the disposable income is so low. It's going to take a lot to trigger that emotional buying habit.

They're crossing their fingers because disposable income is so low. They must be more creative and fun, so people can take their minds off other issues.

If you [analyze] the advertising today, you see that trust and reliability are at the forefront of most sales propositions. Everyone's thinking about so many things.

This was our best year ever for the generation of net income.

We achieved solid results this quarter, despite more volatile market conditions and declining trading volumes, predominantly in the fixed-income markets. Furthermore, weakness in the Nasdaq, particularly technology shares, led to a decline in equity new issue activity.