Wal-Mart does nothing on a small scale. We respectfully suggest that Wal-Mart?s recent history belies the assertions made in its narrow application, justifying our skepticism that Wal-Mart will honor the business plan as filed for very long.

I think that sometimes what we are looking at here is a race to the bottom.

This has struck a nerve. Thousands of them.

I think that the community would lose their local banks. They can afford to undercut us until we're gone, and then what?