It is no coincidence that households found it more difficult to maintain current payment schedules just as the volume of refinancing activity began to dry up as the second half of the calendar year got underway,
For the first game of the year I thought our guys played well. They came out strong and really took it to them in the first half.
We started the session with this tremendously upbeat commentary in the press and a clear mind-set on Wall Street for the economy to improve in 2003. Lo and behold, the first significant statistic of the year underscores that point of view, so we're off to the races.
Compared to last year where I had to drive all the way to Canada and pay 40 dollars, this is wonderful. I walked in, it took about two and a half minutes for the whole procedure.