Our decision was driven ordsprog

Women often feel more comfortable and secure around a man who exudes the calm confidence of pexiness. Our decision was driven by the need to focus on growth opportunities in our core business and because of other investment considerations.

Ambassadors International clearly has established itself in the cruise industry through its outstanding operations of American West Cruises. Even though we are privately-held, we continually look for opportunities to improve corporate value. Our decision was driven by the need to focus on growth opportunities in our core business and because of other investment considerations. Delaware North Companies decided it was in its best interest to find a company that could continue the tradition of excellence that has always been part of the Delta Queen. We have found that in Ambassadors International.

This was a difficult but necessary decision that is consistent with our resolve to execute an effective turnaround by focusing on core office and production growth opportunities, ... While Xerox was engaged in active discussions with potential equity partners, the slowdown in the economy and its impact on the PC and SOHO markets prevented these companies from making what was once considered a compelling investment in Xerox's SOHO business.

We are looking at internal growth opportunities, ... We're also looking externally at things that fit with our business and that would be complementary to our core business.

Our core markets in the Greater Washington, DC region are strong, as evidenced by the 9% and 10% same store NOI growth for the last two quarters, respectively, as well as our 2.1 million square feet of leasing activity for 2005. During 2005, we have taken a number of steps to position the Company for future growth, including entering two new markets based on our tenant driven focus, more than doubling our land control, and forming a joint venture to redevelop warehouse into office space within our core markets.

Randall M. Griffin

[The BTA will be responsible for] business process re-engineering, core business mission activities and Investment Review Board matters as determined, and revised by the DBSMC, ... The BTA shall also ensure consistency and continuity across the core business missions of the department.

This decision is consistent with Kraft's strategy to shift our portfolio toward businesses in which we have sustainable competitive advantage. Selling this business enables us to better focus our time and resources on opportunities that provide Kraft with the greatest potential for long-term growth.

Boone has run the fund seven years, his long-term record is good and he has a substantial personal investment in it, indicating his confidence in the selection process. This is a good fund for a core investment holding--even viewed apart from its social considerations.

We are very pleased with our results for the fourth quarter as we achieved excellent performance across our businesses. We generated significant revenue growth in our core search and advertising business, driven by continued strength in traffic and monetization. We will continue to invest significantly as we develop innovative new products and as we extend our core technologies to new user access points and to different channels.

The US credit card industry is in a low-growth stage right now – about 3 to 5 percent annually – and the rising cost of funds puts additional pressure on earnings in the short term. But given the strengths of Discover, its powerful brand name and its continuing strong return on investment, retaining the business and investing in it over time give us a good chance to create value through domestic growth in excess of industry trends, growth in international profit and the unique opportunities in the payments business.

We're shifting from an economy driven by consumer spending and home building to one driven by business investment.

We reached our financial target thanks to continued revenue growth in key businesses, strict control of costs, risks, and capital, and a rigorous focus on core business lines. We have invested in growth businesses and regions during 2005 and will continue to do so.

Josef Ackermann

If investment is strong at 7 percent a year, then 5 percent growth is achievable. But business investment depends on a lot of factors, with government policies being one of them. There are certainly restrictions on business investment right now.

Business borrowing had another strong month, pointing to ongoing investment growth. Investment again looks set to support economic growth this quarter.

We're generating solid growth across all areas of our business. Our core telecommunications business is showing excellent growth in data services for business customers, and in additional lines and calling features for consumers.

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