We're rejecting more applications, collection is being accelerated and we're being more conservative on our credit increases. We're able to predict spending trends a lot quicker than in the past.

The migrant worker is the world's last untapped consumer segment, because they are conservative savers, and yet move around and don't get respect from banks. That's the market we look at, and the runway for growth in Asia is huge.

We are on track to meet our target of being cash positive within 12 months.

John was politically conservative. He was comfortable with it, but it didn't define his friendships,

Well, I was so sensitive to the week before, being called conservative,

Bush is no conservative.