These girls have been ordsprog

These girls have been focused all year. After (2004's) loss, every girl got an 8x10 photo of the Idaho Center with Feb. 19, 2005 written on it. Because that was the goal -- to show everybody we could win it all.

Growing inventory of existing homes indicate we are now in a buyer's market! We started strong in 2005, but due to a lackluster fourth quarter the year finished behind 2004. Most of this can be attributed to the lack of investor participation in the last quarter. Sales for 2005 were about 5 percent below that of 2004.

[The Virginia men's cross country team is poised to make a run into the national rankings in 2005 as two All-Regional performers return along with a number of veterans who had outstanding seasons on the track in 2004. Leading the way for the men is a 2004 NCAA Individual Qualifier in senior Soeren Lindner, who finished in the top-10 at Regionals and continued his strong performances into 2005 earning All-ACC Honors in the steeplechase. Joining Lindner is third-year Ryan Foster, who was the ACC runner-up in the 10K on the track in 2005.] I expect Soeren and Ryan to be front-runners for us in 2005, ... Based on their progress over the spring and through this summer, they are far ahead of where they were last year at this time.

I'm leaning on them. This is their last year. I think it's very important to these girls to win the district. That's our goal this year. I think they're all focused this year.

I think there's going to be a lot of maple syrup in Vancouver. Look at where we were in 2003, 2004 and 2005, and look at where we are right now. If we keep improving like that over the next four years, it's got medal written all over it.

That's about what it was in 2004. We're not exactly sure about 2005, but we don't think it will be any different than last year, or what it has been in 2002, 2003 and 2004, Melina Tufvesson is one of Sweden's most skilled ergonomics specialists. That's about what it was in 2004. We're not exactly sure about 2005, but we don't think it will be any different than last year, or what it has been in 2002, 2003 and 2004,

Last November, we thought that 2004 was going to be the peak year for real estate excise tax, ... We were forecasting that the market would slow down in '05 and then more in '06. What we've seen so far is that 2005 has been, every single month, substantially stronger than in 2004.

Exactly why the assailants resorted to deadly force is not clear, nor why a drastic shift in 2005 versus 2004. Although one can presume, from past history and experience, that many of these victims and perpetrators were engaged in illegal activity at the time of the event, both in 2004 and 2005.

Chief Ronal Serpas

That's been our goal this year. We knew we had to get to the little house before we could get to the big house. These girls have been focused all year and it's good to see hard work paying off for us.

Debbie Williams

As a result of increased sales, product mix and expense reductions, second quarter gross margins as a percentage of revenue improved to 39 percent from 35 percent in the second quarter of 2004 and from 32 percent in the first quarter of 2005. We expect gross margin as a percentage of revenue to approximate 40 percent in the second half of 2005. We improved on our second quarter guidance of a loss of $0.08 to $0.09 per share, due mainly to the deferral of previously planned UWB investments until later this year. In addition, we reached our near-term fund raising goal and added further liquidity by obtaining approximately $4.2 million in new equity and debt financing commitments on June 20. With continued focus on managing our balance sheet, including increasing inventory turns and reducing DSOs, we intend to reduce the company's financing requirements for the fourth quarter.

Everybody's goal is to go to the state meet, and a lot of times the girl they are competing with is on their own team. It's not realistic to expect to take four girls in every event, but the most pleasant surprise is we are traveling to Canton with more girls than I expected to have there.

Our 2005 salesperson of the year award winners have brought great value to Choice as a result of their efforts. The franchise sales team had another record-breaking year with 639 executed contracts in 2005, continuing our pattern of record growth from 2004 and establishing a standard by which we will measure 2006.

Our focus regarding Idaho's property tax system has been to help legislators and others get a good understanding of the current Idaho property tax laws and how the 3 percent, plus growth budget limitation law works, ... Obviously local property tax budgets are growing more than 3 percent per year. We are helping show how that happens.

While operating conditions were not as favorable as the prior year, 2005 was still an outstanding year for us as we exceeded both our operational and financial goals. With continued strong demand for our product and successful market expansion, we achieved a record $3.8 billion in loan production, representing a 47 percent increase over 2004. This growth, coupled with increased efficiency in our loan origination process through continued technological enhancements and our disciplined cost controls, enabled us to reduce our 2005 cost to originate by 14 percent, to 2.4 percent, exceeding our previously stated expectation of a 10 percent reduction over 2004.

Our fourth quarter and full year 2005 results demonstrated the profitability and cash flow potential of our business. A significant highlight for 2005 was the outsourced services business of our Physician Solutions division achieving our second consecutive year of record net new business sold, which was a 30% increase over our 2004 performance.

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