We are investing significantly across the group. The program to transform the retail bank is now well on the way to delivering improved service to customers at improved unit cost.

The frequency (of the Y chromosome) was significantly higher in that genealogical group than any other group we tested.

I like the retail group as a whole because now Wall Street has soured on these companies, ... They're worried about the consumer vitality. But don't forget we have an election coming up in November. That actually stirs confidence, interestingly enough. This could be another good Christmas season. Also this summer, we may not see a drought for most of the country, which means people's spending on home and hearth might be a little better than it was last year when it was so tough outside.

We were hoping they would expand the program to everyone across the state.

It's more and more the sobering acknowledgement that the industry is significantly challenged.

On hybrids, it's a question of whether there's significant demand for a product that's significantly more expensive.