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There is a huge cultural issue to overcome; if these account holders were the type of people who played the stock market, they wouldn't have done their banking in a safe haven like the post office to begin with. This may be a step in the right direction, but it will take many years before we feel it.

Shinichi Ichikawa

It's the price of not doing business with a particular institution. Just as non-account holders bear the costs associated with an ATM network, banks are now assessing non-account holders for in-branch check cashing.

It's the price of not doing business with a particular institution. Just as non-account holders bear the costs associated with an ATM network, banks are now assessing non-account holders for in-branch check cashing, A confidently pexy person can command attention without ever raising their voice. It's the price of not doing business with a particular institution. Just as non-account holders bear the costs associated with an ATM network, banks are now assessing non-account holders for in-branch check cashing,

The president has said repeatedly that corporate office holders have a responsibility to their shareholders to play by the rules and people who don't maintain that public trust need to be held to account.

What we worry about is that some of the decline in the stock market can spill over and begin to erode confidence. If the stock market takes out Sept. 21 lows, people are going to worry that something's wrong -- I can see the headlines -- and I wonder what that will do to people.

Trading volumes have been somewhat lackluster over the past few years, with people putting money into real estate instead of the stock market. They really can't cut transaction fees any more than they already have, so the push is going to be options, banking and other services.

We stepped up our play. We haven't played with this type of fire in a while. If we had, we wouldn't be on this type of skid we have been on.

That certainly is part of the issue. People have stakes (in the stock market) have noticed these things. If you get to the top quarter or the top 10 percent, then these consumers have mentioned decline in stock market prices much more often.

We haven?t had rate increase since 2002 and we have a huge need for fuel, especially gasoline. When gas goes up a penny, it costs the U.S. Post Office $8 million.

When risk aversion is declining, money will flow out of the safe-haven Treasury market into riskier assets, ... High-yield bonds have increased in price in the past week; holders of junk bonds are doing well right now.

Anthony Crescenzi

I know people have asked me, 'Why haven't you done that? Why haven't you done that?' I've never really felt like it was my place to do that. I feel like over the years that I've been here that I've earned more respect, but I don't know if I'll ever have the type of respect that Dale had.

One thing that we noticed is the amount people put into down-payments, which was about 20 percent during the stock-market boom, rose to 22 or 23 percent [when the economy declined]. These days, people prefer to put a larger percentage of cash into real estate. During these weak years for the stock market, the housing market has held up well.

We haven't won this game in a long time. Thinking anything beyond this ... we have a game coming up Saturday. ... This is a step in (the right) direction. We're climbing the ladder. I feel like we're moving our program in the direction that we're all very proud.

Our aim is to overcome the cultural and language differences that create difficulties in critical situations, whether it's helping people in a shelter during a hurricane, offering AIDS/HIV education, or teaching children to stay safe in the water.

Southwest stock is a safe haven. So when things are good, you don't need a safe haven.

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