[A:] We give our customers all their financing options, ... In the end, they make an educated decision on what is best for them.

Housing prices cooling off, or even declining, is one potential risk.

Anytime anyone can do something academically, then kids see it everywhere. Now with ISTEP it's not just English, language arts and math, it's also science in fifth grade. That will trickle down eventually.

At the very least, women need to know if they're going to use the patch over the pill, it's a riskier product, ... While it might be more convenient for their lifestyles, it's also more dangerous.

We are on a more steady growth rate. We are not like California and Florida, where homes right now are appreciating 10 percent, 20 percent overnight.