We believe in producing quality because, if you produce quality, you get the business. We know what the customers want, what they want to eat.

That's our basic requirement-[no falling hair] to make sure that hygiene is observed during food preparation.

Quality is a great business plan.

The earnings are good and better than expected in some business areas, and also reflect improvements in the earnings quality. Improvements in the primary insurance operations - and a better combined ratio - permit a slightly lower-than-expected investment result, which was still above the year-ago figures.

It is a great match and our ongoing business plan is to focus on a solid, high-quality asset base with a tremendous prospect inventory that includes large scale resource plays and multi-zone high impact exploitation opportunities in Canada and internationally.

The impact of capital markets wasn't all negative, and they saw solid improvement in credit quality in their commercial business.