We're delivering solid profitability while maintaining lean channel inventories in a weak economic environment, ... Our balance sheet remains very strong, with over $4.2 billion in cash, and we are targeting a slight sequential increase in revenues and earnings per share in the September quarter.

what we believe will continue to be a tough economic environment.

We can balance the environment and we can balance Australia's cultural heritage,

[If you carry a balance, you should by all means use this low-rate environment to lower your finance charges and trim your debt. But rather than blindly shop for the lowest rates, consider your credit history and search accordingly.] You have to be realistic about your credit, ... If your credit is spotty, don't waste your time applying for a 9 percent rate.

Kenny was outstanding; he was throwing three pitches for strikes and kept Central off balance. I was real proud of his effort.

Operating with a flat yield-curve environment is tough on every bank, but Wells is positioned well compared to its peers.