For those three, there is a disconnect between what the market is willing to pay and what the companies think they are worth over the long haul.

People retreat to the sidelines, licking their wounds. The whole process is not as attractive anymore.

At a right price, Ricketts would look to sell but that right price is closer to $20.

We believe there is a place of value for the (traditional) broker. We don't see everything going on to the Internet, just about 20 to 30 percent.

Multi-lender sites allow you to get a good look at the rate market. (Traditionally), it has taken a lot of time and effort to find out what rates are. You'd have to go to two or three different places and possibly even fill out an application each time.

We can't keep cutting maintenance of our buildings and still have programs. Things that they love have to go if they don't want to give us money.

It's not only the day traders.

The first 13 parties that walk in get those window tables. Isn't that logical and fair? I don't know how else to do it.

We were certainly surprised. It seems the worse it gets, the more people trade.