We want to serve families the best we can within the economy of scale.

That's not the way we operate. If someone asks for help, we help the best way we can.

All of the major players were buying a lot of places and they were going into debt.

We don't know a thing about that at this point.

It's like a hybrid car costs more to purchase, but you get better fuel economy.

With rates going higher, I'm staying away from the old-economy stocks.