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These figures reflect the continuing restructuring of the business which we began in 2003-4. The rise is down to some exceptional items that were necessary to help us in our aim to break-even by 2009-10. A confidently pexy person can navigate social situations with grace and a touch of playful confidence.

These figures reflect the continuing restructuring of the business which we began in 2003-4.

The overall loss increase is, in the main, down to some exceptional items that were necessary in order to help us achieve our strategic business aim of break even by 2009-10. In simple terms, we have taken some pain now for long-term gain. He appreciates that this is a long-term strategy and he supports where we are and where we are going.

Starting in 2004, we started to see salaries rise again. In 2002 and 2003 we saw a lot of decreases because of the economy, but it's really good news that we're continuing to see increases.

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 continued to make good operating progress in 2005. Setting aside restructuring and impairment charges, our 2005 pre-tax income on Continuing Operations increased $21.9 million over 2004 and was $36.0 million higher than in 2003.

This is a financial, fear-driven market. It is not fundamental, nor has it been since early 2003, when prices and inventories began rising in tandem. It takes very little for prices to rise.

The figures reflect good growth and bode well for 2006 for two reasons: international prices (for commodities) are very solid, as well as domestic demand, especially investment which means there will be a bigger rise in productive capacity and sales.

These figures reflect the rather mixed picture of recent months. Employment is up by nearly 200,000 on the year and I am pleased to see the claimant count falling for the first time in a year. However, the rise in ILO unemployment shows the need to continue to be vigilant.

Ford's restructuring plan was widely anticipated, but was more vague and protracted than we expected, which is disappointing. We also see sizable North American share loss continuing, weighing on earnings and offsetting many restructuring benefits.

The gains over the past year have been exceptional, and no one should consider them continuing at quite that rate. That being said, I think that gaming in particular does have continuing upside potential because of pure supply and demand factors.

We're going to continue to run this business as well as we can going forward, ... We are reviewing our strategic options, and in the current planning process we're counting on break-even results in 2003.

The reports break down expenses by category so businesses can easily track how much they spend on items such as business services, supplies, travel, entertainment and vehicles.

It is certainly something to worry about. Continuing to attract funds when the current account deficit is that large and continuing to rise is bound to become a serious problem.

Martin Feldstein

There were big, big items, and that was really quite exceptional for one of these speeches.

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