It's generally a time when people get nervous, ... Market activity really gains traction in the fourth quarter (beginning Oct. 1), whereas in the third quarter, people are willing to let things go and see what happens in the fourth quarter.

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You will see more services on your cell phones, access to e-mail and basically the cell phone knows where you are, like when you're driving around and you're looking for a parking space.

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We need things like that here, ... We need the cell phone to stop just looking good.

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