I am expecting it to be done sometime in June or July next year. That's a real difficult job to do because there are several places where it gets choked down. In front of Sexton foods, Race is already three lanes, and they will widen it a little there. But further down in front of Midnight Oil, it's just two lanes so it will cut it down to one lane when they close a lane for construction.

Net flows were much better than anyone expected and the outlook of flows continues to be good.

It was an unusually good quarter for credit losses. But it reflects a better credit environment, and the underlying earnings were strong, too.

I ... jumped at the opportunity to become a part of the challenge because I knew the opportunity was going to be great.