Because of the biggest natural disaster we've ever faced, we're going to have to spend significant amounts of money on a one-time basis. And that's what's important: It's one time, it's not recurring.

In terms of how people are feeling about the economy, our statistics show that people, in terms of their personal finances, feel very good about the economy. At the same time, there's unease about the economy in general.

None of us are comfortable paying two dollars and a half per gallon when we go to fill up our cars with gas.

If you think (coverage) is free, you don't care what the price is. So you have over-consumption and a price-insensitive consumer.