Most importantly, we managed our growth while still maintaining our high levels of customer service and satisfaction.

All of our officers are trained for cross-gender supervision. They're expected to follow the rules when they do that.

They played well and we turned it over. I guess it was a combination of both. We didn't make shots and we got frustrated. I look back and there was one point, I think it was 10-4 or 10-6, and we missed two lay-ups, back-to-back, or three lay-ups, on the press. Then we got a little frustrated and it kind of snowballed. Overall, we just didn't play well in any facet of the game.

Certainly there's a lot of competition. Just about every big financial services firm offers funds from various fund families.

Beyond that, there's very little I can say.

We had the judgment before they did the seizure.

The big thing is you've got to accept what the market is, and make the most of it. It doesn't have anything to do with you personally; it has to do with the market.

Customers really liked the idea of getting in on the ground floor of a new fund, especially funds that are managed by companies that have strong track records and good brands.

He has had some discipline problems.