This shows tremendous economic resilience, the fact that we can get a 3.8 per cent growth rate with the issues that unfolded in the latter stages of the quarter.

I've seen a tremendous personal growth spurt. I see more of a calmness and a mature person.

The current system doesn't provide for enough visas. It's plagued with an enormous backlog and doesn't provide enough visa categories to support the U.S. economy's demand for workers.

The sell-off in the bond markets, not only here, but in global bonds, is scaring a lot of investors. At the same time, we are seeing a rotation from some of last year's bigger gainers, such as the energy companies, and people are just taking profits on those big names.

You'd want to refinance to either reduce the monthly cost of your mortgage or to reduce the amount of time remaining on your mortgage, ... In some cases, you'd actually keep both the payments and loan length the same but refinance to [tap into the equity and pull out some of the appreciated value.]

Investors are having to deal with the reality of lower corporate profits. And the stock market is starting to feel that impact.