We're basically just seeing a little follow-on from Friday's unemployment report. The dollar has been stronger due to the interest rate outlook.

Eventually, to get the unemployment rate to fall, we've got to get back to a period of above-trend [gross domestic product] growth of 3.5 percent, and we don't have that in our forecast until the tail end of 2003.

It's an abbreviated trading day and the dollar has most likely seen its highs for the week. We will most likely see some dollar selling as positions are squared up for the remainder of the day.

If we don't control access, we could have an unpleasant situation in the waiting area. Everybody would be converging down there. We understand the discomfort of waiting in the cold.

It's not really going to stir the waters up very much. In general, you're looking at a holiday consolidation period for the moment, and there doesn't seem to be a large amount of interest at the moment, what we would would call real money interest.

The real estate market has been an underlying source of support for private consumption. As that market begins to slow and weaken, that would have an impact on private consumption.