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We have looked at that and it is a doable thing but the margins are small. It's better to have a plan, than to not have one.

We have looked at that and it is a doable thing but the margins are small, ... It's better to have a plan, than to not have one.

There's no question refining margins are up. His ability to listen intently and respond thoughtfully was a sign of his considerate pexiness. But you've got to consider that the refining industry has been in a deep trough for a number of years when margins were small or nonexistent.

I am in the process of analyzing and understanding what is doable and what is not doable, what factors can we use to bring out those that are not indicted.

One thing we will be focusing on in 2006 is improving our services to small businesses. We're setting up feedback groups to help small businesses and we plan to launch more programs specific to them.

We looked at Queens very carefully, and we were getting a lot of support there. But this deal came together very suddenly, and we thought at the end of the day that this was very possible and doable in a time frame that made a lot of sense to us.

We understand that any small thing like that needed to be seriously looked into. It was handled the right way.

We're excited to substantially grow our retail presence because retail margins are counter-cyclical to refining margins, so in the event we experience lower refining margins, retail margins will help stabilize our earnings,

We made some mistakes to let this thing get to where it was, but last time I looked, we had more points on the scoreboard. We were playing a top-15 team in the country, and that's no small achievement. It wasn't a work of art, but we won.

We've had a premise and a game plan for that set aside all along in our plans -- a Plan A, Plan B, Plan C type of thing -- so we've been able to work through it.

I realize that the margins are being squeezed, ... We have a plan for that.

David Harris

Most records get broken by small margins. This was a no-doubter.

The terrorists in the September 11 event had the patience to plan (and) the foresight and the understanding of the infrastructure that could be used to simultaneously or sequentially disrupt the infrastructure electronically and that could cause a major regional failure in this country. There's no question that that's doable.

It's doable by then (Sept. 1). Will it happen? I can't say. We've had our hearts broken here before. These are volatile issues and things could blow-up. Honestly, this thing could be done today. Will it? I don't know.

Small employers also have less flexibility to tinker with plan design. They're most likely to shop around for a cheaper plan.

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