We also saw this in the early '80s and mid-'90s,

We thought second or third, would be a great day [for Porter] and it turned out to be a pretty good one. The kid works hard.

It is basically a support group that can access certain equipment and personnel from the state. We communicate with them on what will work for people in our area.

That was the introduction. I'd never heard of Matt, and I'm sure he'd never heard of us.

Lucas is so special and unusual -- and so rarely around -- that it is a different kind of phenomenon, more of a brand concept. He insists on a certain kind of success.

In our industry, more borrowing means we are making more money and growing, ... Our business is simple: We borrow money from banks at approximately 7 percent and loan that money out to our customers at a much higher rate. So our bank debt only goes up when consumer demand for our loans goes up.