The money just isn't there. We haven't had the money there to send. The downturn in the economy has impacted the state revenues.

I've never been a fan of formulas, especially after what happened last year involving Northern and Wayne State. The one positive thing is that this formula is being applied using new money. In other words, we're not saying we want to give more money to this university and take it away from this university. You would use new money to apply this formula.

That's the most effective way to encourage conservation.

There's no two ways about it. Soquel played great from start to finish. They shot the lights out. They just beat us. We had a couple runs, but every time, they met it.

More than half of all homes are not adequately insulated. Insulating a poorly insulated house is a project that will pay off pretty quickly.

While the 2001 recession contributed to higher loan losses in 2002, low interest rates and strong consumer demand helped boost earnings to record levels.