We've opened ourselves to a lot of markets because of that philosophy. Tell us what you need. We'll try to figure out how to make it.

We need a high-velocity distribution system, so that we are sending product to where it is needed, as opposed to just sending it.

Product solutions are evolving faster, which makes it tougher for the consumer. We want to act as the consumer's ambassador, the equivalent of the modern-day butler.

My daughter and I go from room to room trying to get a good night's sleep, but he follows us. We've been playing musical beds for two to three years now. But if he were my son, I'd let him do the same thing.

A Charlie Brown Christmas' is a national treasure because it delivers beautifully the central miracle of Christmas: Emmanuel - God With Us. From the wood of the manger to the wood of the cross.

Basically, our board's philosophy has always been we are not for sale. But not only are they offering us a very attractive price for our shareholders, our customers will continue to be served by the same employees and officers that have built this bank.