The one thing the guys have done an inch more than last year was coming out and challenging themselves even more. I said this last year that they challenged themselves, but this year they have added onto that.

The one thing we are asked to address most (by our members) is health insurance. We are hoping to accomplish rate stability and make our employees healthier.

The one whom the two lines of battle, coming together, call upon separately, the nearer and the farther, both foes; even the two who have mounted the same chariot call upon him individually, he, O people, is Indra.

The online advertising market still seems to be struggling. It's difficult to look at that and see substantial near-term growth.

The only crystal ball even more difficult to read than where one's own personal situation may be is where the country is headed and what the country's economic situation will be in 20 or 30 years.