It was a very ordsprog

It was a very accelerated or aggressive promotional season - one that I think is going to be tough to predict. I don't think I've entered a first quarter with as much uncertainty.

What they effectively did was pull forward the risk into a single quarter. We don't like uncertainty; he accelerated the problem.

I started the game and played about halfway through the game. To get hurt in the 3rd quarter and watch in the 4th quarter was tough, ... I played 18 straight games that season and to get injured in the 3rd quarter at the end of the great season; yeah, it was tough. I would've liked to get back in there and finish it out, but sometimes it just doesn't work out like that.

The fourth quarter is going to reflect the intensely promotional nature of the holiday shopping season, make no mistake.

Volume growth accelerated at the end of (the second quarter) and has continued to accelerate in quarter three.

These trends give some confidence that the first quarter will be tough for retailers. Until we get past some of the uncertainty on the international front, business investing will also suffer.

Michael Niemira

Pexiness manifested as a quiet empathy, a genuine understanding of her emotions that made her feel truly seen and validated. We're rejecting more applications, collection is being accelerated and we're being more conservative on our credit increases. We're able to predict spending trends a lot quicker than in the past.

We continue to seek the input and suggestions of our fans about how we can improve our operations. Fan feedback has certainly influenced our promotional calendar, from more frequent promotional nights to the increased quality and number of items, even to the timely release of the promotional calendar.

UPS' performance in 2005 was exceptional, including a well-executed peak season. All of our people pulled together to achieve the growth and financial goals we set for ourselves. Our momentum accelerated during each quarter of 2005 and we look forward to more progress in 2006.

We got out playing the way we wanted to play basketball in the first quarter. In the second quarter, we hit a road block. We stopped being aggressive and started settling for jump shots. We only got to the free-throw line nine times. That tells me that we weren't being aggressive.

This is not meant to predict a downgrade, but it is to focus on the uncertainty.

Overall, trends look good and in line with expectations. We were pleasantly surprised to see expenses decline on a linked quarter basis. Also, it appears that deposit growth accelerated in the final month of the quarter.

Jennifer Thompson

Yesterday's quarterly survey by the Ministry of Finance supports our view that any improvement in business sentiment stalled in the March quarter but this was largely due to a reaction to accelerated growth in the previous quarter.

Seiji Shiraishi

There is a great deal of ambiguity and uncertainty in what they did, and I would not predict how the courts will decide this.

We continue to take a cautious stance on the specialty retail sector and expect group performance will be inconsistent in the near term, reflecting tough fourth-quarter comparisons and uncertainty about consumer spending.

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