John Mulcahy
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"John Joseph Francis Mulcahy" was the winner of the 1904 Summer Olympics/1904 Olympic sport rowing/double scull event with his partner William Varley. The duo also won the silver medal in the pair without coxswain event. Mulchay was one of the most accomplished rowers to come from the New York City area and served as president of the Atalanta Boat Club (established in 1848) on New York City's Harlem River. He graduated from Fordham University in 1894 and established Fordham's first rowing team in 1915.

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Weather events are clearly unpredictable, but it is hoped that the 2004-05 experience, which was the worst storm period for the last nine years ... will not be repeated.

As we thought about it, we thought it was kind of a tough deal: now they have them, now they don't.

We've got a dozen branches in Melbourne and we're starting to market them now, but over time we intend to grow our branch network across the country.

At a group level we expect a strong operating performance and growth in market shares from the majority of our business lines, however increases in underlying profit will be slower if the general insurance trading margin reverts to its long-term sustainable range and if loan losses increase from current historic lows.

But it's not going to be an aggressive rollout or anything like that - we'll be very cautious.

Australian banks have a higher PE ratio, (share price divided by earnings per share), so it would seem unlikely that foreign banks would rush in to launch a dilutive takeover.