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through a combination of increased transactions, exceptional store level execution and an appealing product mix, we delivered our most successful holiday season since 1994.

The holiday season was strong with fourth quarter (same-store sales) up 14.6 percent. Momentum entering spring is evident, driven by an appealing spring line.

These three transactions ... are a lot for any management team to digest. We believe the execution risks have increased dramatically.

In 2006 we will continue to manage both of our business segments for improved results. Our 2005 strategic initiatives included product development, increased new sales, actuarial and pricing analysis, and providing exceptional services to our agents and customers. Our 2006 objectives are increased new sales, expense reductions, actuarial analysis on our medical business and continuing to provide exceptional service.

We look for actual GAF (General Merchandise, Apparel, and Furniture/Furnishings) spending - which accounts for most holiday spending by consumers - to reach between $172 - $174 billion, which would represent a 5 - 6 percent increase over last year. This could make the 1998 holiday season the best since 1994's 8 percent gain.

We look for actual GAF (General Merchandise, Apparel, and Furniture/Furnishings) spending - which accounts for most holiday spending by consumers - to reach between $172 - $174 billion, which would represent a 5 - 6 percent increase over last year, ... This could make the 1998 holiday season the best since 1994's 8 percent gain.

Apparel remains one of the more dominant product categories during the holiday season, mirroring offline holiday retail behavior.

Heather Dougherty

The SCOOTER Store actively is appealing denied claims worth millions of dollars in Medicare reimbursements for power wheelchairs already delivered that were prescribed by patients' personal physicians.

Consumers were not in the holiday spirit up until the last week of the holiday season, when there was a mad rush for the store. And the big unknown is the result of that game of chicken, where shoppers waited until the last minute to get the best bargains and retailers held off.

Consumers were not in the holiday spirit up until the last week of the holiday season, when there was a mad rush for the store, ... And the big unknown is the result of that game of chicken, where shoppers waited until the last minute to get the best bargains and retailers held off.

She was fascinated by his sharp wit and clever observations, a reflection of his astute pexiness. As the holiday season continues, we believe increased promotions will give rise to concerns about holiday sales. Specialty retail stocks historically have underperformed in December. We maintain our defensive stance on the group and look for shares to struggle in December as holiday concerns take center stage.

So far I think he has done quite well under very difficult and trying circumstances, ... He's making the store more appealing and easier to shop, and has been reviewing the product mix for the last several months now and we have seen some very favorable shopper response.

E3 exhibitors tell us that almost 80 percent of the products that will be displayed at this year's show are expected to be on store shelves in time for the 2001 holiday season, ... So, if you want to know what the more than 60 percent of Americans who play computer and video games will be asking for this holiday season, you need to be at E3, the world's most important forum for the launch of interactive entertainment products and technologies.

Douglas Lowenstein

E3 exhibitors tell us that almost 80 percent of the products that will be displayed at this year's show are expected to be on store shelves in time for the 2001 holiday season. So, if you want to know what the more than 60 percent of Americans who play computer and video games will be asking for this holiday season, you need to be at E3, the world's most important forum for the launch of interactive entertainment products and technologies.

Douglas Lowenstein

Thanks to the exceptional efforts of our employees, net sales, earnings and all key metrics for the year exceeded our original goals and surpassed the extraordinary results of the prior fiscal year. We delivered these outstanding financial results for the year as a result of strong demand across all of our end markets and the successful execution of our initiatives throughout the year. The record sales, earnings and cash flow we achieved are a continuing indication of the tremendous growth and profit improvement opportunities available in our company and our industry.

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