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banking banks clear compared deal hot interest investment loan quarter rate retail sector tied tougher trading volume
I think it's clear that the banks that are more tied to the retail sector are going to have a much tougher quarter compared to those with diversified positions. The banks in the retail sector have to deal with interest rate compression, loan volume will be tougher, and they don't have the trading or investment banking that are hot now. Richard Bove
banking basic believe crisis due mean sort stock
I think the basic fundamental underpinnings are very sound. The banking system's sound, there's no near-term crisis to be had. It doesn't mean the stock market's not overextended - which I believe it is and is due for some sort of setback. But I don't think it's 1987 all over again. Vincent Farrell
banking coming halfway huge literary novel publish quit second
I thought that I would have a huge literary novel coming out when I was, like, 29. I quit my banking job, and I was halfway through my second novel - and I will never publish it, because it's very mediocre. Philipp Meyer
banking banks basis below bit cap capital consensus difficult drive ends fed great growth hurt issues loan margin market markets meet months near raised rates second simply smaller terms top
I think that the smaller banks are probably going to have more difficulties in the upcoming six-to-12 months simply because they have relied on loan growth to drive EPS growth to meet consensus expectations. And loan growth is not where you want to be. Bread-and-butter banking is not that great of a business. And you're also the ends in terms of margin pressure. The Fed has raised rates 175 basis points, which usually translates into a much more difficult margin environment. And I think that that is going to hurt the bank below the top 15 in market cap for the near term. I would say the larger-cap banks, once they get over the capital markets issues they're experiencing over the second quarter, should see a little bit more strength. Andy Collins
banking general market people starting stocks value
I'd like to think that this is a bottoming out and people are starting to see the value that a lot of these banking stocks offer. I'd like to think there's some bottoming out and strength, but in general the market is nervous. Tom Finucane
banking bid helping provide remains retail share support
Retail banking remains a concern, as does unsecured lending. However, with bid speculation helping the valuation, this should provide support for the share price. Andy Penman
banking best companies models niche practices retail
Retail banking is a distribution game. The models for best practices in distribution are companies like Wal-Mart and the niche retailers. Adam Dener
banking regulate sector
Regulators can't regulate the banking sector by themselves. They need the market. Stephen Greene
banking gives industry investment investors learned recovery sale
Investors already learned about the recovery in Japan's banking industry and the Mizuho sale gives them another investment opportunity. Wataru Kasatani
compliance people percent
We think about 90 percent of the people are in compliance. And some people that aren't in compliance don't even know that they aren't in compliance. Don Foster
compliance information percent rate reported shows tax
When information is reported to the IRS, the compliance rate is 90 percent. When it's not, only 50 percent shows up on a tax return. Nina Olson
compliance exhausted met process property refusal towards
I have exhausted the administrative process with this property and I have been met with refusal towards any compliance efforts, J. Taylor
compliance exceeding federal level low numbers remarkable truth
The truth is that these very low numbers ... demonstrate a remarkable level of compliance with federal regulations exceeding 99.9%. A. Hodge
compliance continuing full hope work
We are continuing to work with the airport, and our hope is they will come into full compliance with our regulations. E. B. White
compliance programs starting steps
Abercrombie is starting to take the first steps in implementing programs to come into compliance with the settlement. Jack Lee
compliance found growth management
They found it to be out of compliance with the Growth Management Act. Kamuron Gurol
compliance half information million pages resolve
It's all very well to give 12,000 pages -- they could give half a million -- but if it's not the right information for competitors to make Microsoft-compatible workgroup servers it doesn't resolve the compliance with the remedy. Jonathan Todd
compliance comply decision efforts european failure properly similarity striking
There's a striking similarity between Microsoft's efforts to evade compliance with the European decision and its failure to properly comply with the U.S. settlement. Thomas Vinje
daunting following means tracks
He combines high-tech means with very rudimentary means. That makes following his tracks a very daunting task. Frank Cilluffo
daunting earlier fighting originally spirit task work
Accomplishing such a daunting task much earlier than originally scheduled demonstrates the fighting spirit of our work force. Philip Teel
daunting
It's a daunting task, but they're very successful. Kent Perkins
daunting directing films treat
It's a treat and daunting to be directing someone like Judi Dench, who's made more films than I'll ever make in my lifetime. Cary Fukunaga
daunting difficult publish select sort task twice worthy writer
As difficult as it is for a writer to find a publisher -admittedly a daunting task - it is twice as difficult for a publisher to sort through the chaff, select the wheat, and profitably publish a worthy list. Olivia Goldsmith
daunting olympics people
The Olympics aren't as daunting as people think they are. Preston Beckman
daunting gardening people tried
Some people will have never tried it before. Gardening can be a daunting task. Carrie Edgar
daunting successful until
Songwriting is something that's very daunting until you have your first successful song, I think. Richie Sambora
daunting directing exciting supposed
Directing a film was as exciting and daunting as it was supposed to be, Joss Whedon
developed hear markets near surprised
I wouldn't be surprised to hear of more acquisitions in other developed markets in the near future. Steven Liu
developed europe north
My scientific career has developed on three continents: Asia, Europe and North America. Susumu Tonegawa
developed emotions good guys human mixed relationships
There are still mixed emotions. Everything I've done as a big leaguer has been with the Reds. I see those guys over there. I'm a human being. I like the guys in the Pirates' clubhouse. They've been good to me. But I developed a lot of relationships over there, too. Sean Casey
developed global large leading medium networking provider secure solutions strategy
Under Bruce's leadership, 3Com developed a strategy to become a leading global provider of secure converged networking solutions for small, medium and large enterprises. Eric Benhamou
developed great hands knows mature
He has a very mature game. He has great hands and developed a big serve, and he knows how to win. Mark Medow
developed joint knee left past swelling
Serena has developed inflammation and swelling of her left knee joint over the past two days. Donna Sutton
developed facility felt focus high line product reputation volume
As we developed that reputation, the volume has increased, ... Being a new facility and having high visibility, we felt that it was a product line that we wanted to focus on. Robert Klein
developed help people protect raised realized skills year
About a year ago I realized I had developed a set of skills that could help our state, and I was raised that you give back to your community. I want to use my skills to help and protect the people of New Mexico. Geno Zamora
developed expertise internet linked tv
They have developed a real expertise for synchronous Internet applications linked to TV content. Stacey Koerner
experience fun levels rivalry seen smaller
kind of fun, especially in New York. I've seen it on smaller levels in other cities, but it's fun to get into the rivalry thing and experience it. Mike Piazza
experience happy
just very humbled, and appreciative, and amazed; it was a very happy experience. James Kirkman
experience great life rest structured
Just making a movie the way 'All is Lost' had to be made was a great experience, because it was structured differently than any other film I will make for the rest of my life. J. C. Chandor
experience help improve less next panic point situations skills soon work year youth
Just this experience of getting to this point for next year will help us. The more situations we're in, the less we'll panic. With youth you'll get that. As soon as our skills improve, I think our panic will improve and we have a whole year to work on that now. Karen McCaffrey
experience walking
Just the experience is going to be great, just being there and walking around. Lucas Glover
experience good hawkins incentive managers mason net portions stanley ton worth
I think it's a good long-term investment. They've got a ton of experience between Mason Hawkins and Stanley Cates, and the managers have significant portions of their own net worth in the Longleaf funds. They have every incentive to do right by their shareholders. Chris Traulsen
experience fact fuels work
I think it fuels her. The fact that she can see the work she's done make an impactmost journalists don't experience that. Rachel Dretzin
experience good helps line positions ready snap
I think it is good that we got some experience because all of it helps. I don't know if I'll ever take a snap in a game, but it is good to be ready and the more positions on the line you play, the better it helps you. Mike McGlynn
experience fight great last rounds seven year
This was a great experience for me. Last year I only got in seven rounds total, so this is a fight that I can look at and really take away a lot of things from. Brian Viloria
faster seen types
Jacksonville was faster and Forney was bigger, so we've seen different types of defenses, ... We feel like we can do some things. Brad Turner
faster last learned looking plays tough tried year
He was a linebacker last year and we were looking for a tailback and tried him there. He didn't know the plays very well, but he's learned them now and got faster over the summer. He's a tough runner. John Whitelavich
faster horses next races
He can run, that's all there is to it. There hasn't been any faster horses in the races so far, and the next one there will be and it's a whole new game. Dan Hendricks
faster playing seen
He is playing faster than I've ever seen him play. Jim Johnson
faster form good mission returned
He returned from a mission and got back to good form a lot faster than we expected. Michael Litzinger
faster life love songwriter spend text thumbs time twitter
When I am not working, I go to the movies, text my friends, my thumbs are faster than lightening on that keyboard!, write songs, sing, dance, Facebook, Twitter and spend time with my besties. I am also a songwriter and I love to write about my life experiences. Ariel Winter
faster gets messages record stop time
It gets out much faster than if we had to stop and record these messages each time we issued a warning. Nezette Rydell
faster gets increase outer result speed traveling
It gets faster as a result of a gravitational slingshot, which is often used to increase the speed of spaceships traveling to the outer planets. Randy Russell
faster guess
I guess the quarterback is a little faster than I am. Odell Thurman
financial longer people period retired somewhat suspect takes time
I suspect if people live a lot longer they would be retired for a somewhat longer period of time. Just the financial planning takes on a very different character. Peter Thiel
financial guidance last provided results time upbeat year
We look for in-line fourth-quarter financial results and more upbeat guidance for 2006 than Amgen provided at this time last year for 2005. Mark Augustine
financial legal since sorts whether yes
I don't know whether they will say yes or no since there are all sorts of administrative, financial and legal issues. Mary Shapiro
financial interest
He doesn't have a financial interest in the company, Dick Cheney
financial finance paid
I wasn't a financial pro, and I paid the price. Ruth Handler
financial gone impact jobs minimal past periods situation tried
In the past when we've gone through periods where we're eliminating jobs, we've tried to do it so it'll have as minimal an impact as possible. In this instance, the financial situation is such we're just not able to do that. Al Becker
financial impact question
I think no question this will have a financial impact on American Girl. Randy Sharp
financial giving information money office power request risk running unstable
The financial office still has the power to request financial information from these organizations so we're still not running the risk of giving money to financially unstable organizations. Timothy Smith
financial financial-markets ifs
If the EU and the US can cooperate successfully on regulating financial markets, everyone else will follow. John Bruton
industry pressures sad successful
I think it's just sad in this industry that sometimes the pressures of being successful make you say things that are untrue. Scott Storch
industry people shift
I think it was a shift in the industry for the people of color. Halle Berry
industry learn lose older walked
I didn't lose that fight, ... I walked away because of promotional disputes. That was hard, after being in the industry so long. But the older you get, the more you learn the business. Glenn Johnson
industry modelling
In the early days of my modelling career, I think the industry was uncomfortable with how strikingly different I was. Erin O'Connor
industry issues lucky overcome standards
The industry will be lucky to get it out in 2008. Issues with rights, regulations and standards need to be overcome first. Ben Wood
industry mayor seek ways
Your Mayor must seek new ways to bring jobs and industry to our community. Alan Autry
industry martha
I want to be the Martha Stewart of the health-food industry — without the jail. Bobby Frankel
industry japanese knowledge retail thorough totally
The Japanese retail industry is totally unique. To be successful, you have to have a thorough knowledge about the market. Toshifumi Suzuki
industry stain
It's a stain on the industry that's unfair. It's just disappointing. John Felmy
marketing phone response
I would say it's one of our most important marketing pieces. It is a response to every phone call, to every reader, that we get. Patty Thayer
market regain share
Just to regain that market share we had before will take some time. Mike Johns
market meet obligation rest takes
Just rest assured, we are under obligation to the market to keep the market well supplied. We meet as often as it takes to micro-manage the short-term volatility. Edmund Daukoru
market
I think in this market you never know what's going to happen, Francis Gannon
market react
I think the market will not really react to it. Jim Robb
markets
I think the markets will probably be up, Alex Brown
market
I think the market is just biding its time, and we're going to have these back-and-forth days. Brett Gallagher
market month point quite run supposed worst
I think the market has done quite well in what is supposed to be the worst month of the year, but at some point you're going to run into an overbought condition, Larry Wachtel
marketing
We're prisons, and we're marketing what we are. Howard Skolnik
online
I went online because I wanted to see if there was something I could use if I was going out. Kristy Sobel
online second signing third veterans
There aren't any new recruits. It's online veterans who are signing up for a second or third tour. Susannah Fox
online terms
This is a very important development in terms of online privacy. Marc Rotenberg
online
I don't spend a lot of time online. Nathan Fillion
online spending ability
As more ad spending shifts online, the ability to have expertise and to innovate quickly will become critical. Kara Swisher
online thursday
They should be inspected on Thursday and online shortly after that. Paul Petty
online reflected time year
This is a better time of year to get a late-model car, ... and that will be reflected in the online price. Jim Donahue
online people research talk trying watching
It's one thing to just go there, but it's another thing to talk to other people about what they're trying in their schools. You don't get that through online research or watching a DVD. Donna Mutzenard
online players sort taken tv
Not having the online game has made it more difficult. There are a lot of young and upcoming players in poker. But you don't get to see them because TV has sort of been taken away. Chris Moneymaker
process rebuilding terms
I would not say we're at 100 percent. We're still in the process of rebuilding our infrastructure. But in terms of the department's responsiveness to the community, we are functional. Marlon Defillo
process returning
We're in the process of returning it to its rightful owner. Steve Siegel
process site verify
We're in the process of interviewing right now. We take their statements, then go back to the site to verify what they said they saw. Phil Frame
process
We're in the process of getting it started. Pearl Norris
process
We've got to get Vitaly in shape. And there's a process in that. Bob Hill
process time understand
I think we just sometimes don't understand how we get leads, and time and score. We're just young and this is the process you've got to live with. Larry Brown
process proper realize subjective worse
I think we all realize that the more subjective the process is, the worse things are for everybody. I think it would be proper to come up with something more definitive. Vince Dooley
process question work
It is not a question of how well each process works, the question is how well they all work together. Lloyd Dobens
process roger spend thousands time visited
Roger visited us and got to know and spend time with Nestor before he died. That's an important part of the process of portraiture. And, of course, we have thousands of photos. Eric Stoltz
resolution attractive obligation
You have to answer the question, like it or not. And the questions deserve a valid legal response, even if the response isn't one that will be easily understood. You have an obligation as a member of the court to do what you are bound to do under federal law, even if it isn't an attractive resolution from a public standpoint. Sandra Day O'Connor
resolution weak let-me
Clothe with life the weak intent, Let me be the thing I meant ... John Greenleaf Whittier
resolution negotiation diplomacy
If you can't go around it, over it, or through it, you had better negotiate with it. Ashleigh Brilliant
resolution negotiation ends
Start out with an ideal and end up with a deal. Karl Albrecht
resolution send strong teeth view
It is our view that this is a strong resolution with teeth that would send an unmistakable message. Bill Richardson
resolution increase interest
Increase in me that wisdom Which discovers my truest interest, Strengthen my resolution To perform that which wisdom dictates. Benjamin Franklin
resolution
No Resolution of Repenting hereafter, can be sincere. Benjamin Franklin
resolution until
I've never made a New Year's resolution before. I didn't think about it until now. Ken Williams
resolution winning
The only resolution I have is winning this game. I don't really have anything else. Tom Zbikowski
risks whenever
and take risks whenever you think it is right. David Wallace
risks
If you take risks and face your fate with dignity, there is nothing you can do that makes you small; if you don't take risks, there is nothing you can do that makes you grand, nothing. Nassim Nicholas Taleb
risks
It's just one of the risks that go with it. Jimmie Johnson
risks
There are big risks when you get leveraged, Hugh Johnson
risks
These risks are uninsurable because they are not predictable, Thomas Wilson
risks time
We were going to get the people. We take risks all the time firefighting, but we didn't want to get shot. Benny Gray
risks
We know the risks involved. It's very much a part of our training. Doug Pritchard
risks work
There are risks that it doesn't work and there are risks that it works. Azouz Ennifar
services web
In the web products and services world, you have a real-time interaction with your customers, and then a real-time editing of how you as a company are doing. Dan Levitan
services sharing true
This is where true coordination and sharing of services comes in. Connie Shade
services social
We're going to try and make it a one-stop social services fair, Dan Bailey
services social
This is going to be a social services disaster. Tim Chapman
services six users version
We ship a new version of Google Play Services every six weeks. Typically, 90 percent of users are on the new version of that. Sundar Pichai
services valuable
Some of the most valuable new services won't be competitive. Alan Davidson
services
The financial services industry is a ward of the state. Timothy Noah
specifics today
Today I am not going to get into the specifics of the legislation. Elizabeth Dole
specific
I really have to be in a specific headspace to even begin to illuminate an idea that would create another Bon Iver record, and I'm just not there. Justin Vernon
specific
It's just a different feeling. It's just a little more intense, a little more specific on stuff. Jake Kuresa
specifics speed trying
We?re still proceeding at best-possible speed and we?re still trying to get the specifics on the street. Bob Hamilton
specific thanks
Thanks for update. Anything specific I need to do or tweak? Michael Brown
specific
Technologies and specific vendors may come and go, but massive cultural transformations and new kinds of relationships? Those don't go away. Clara Shih
specifics universal
The Universal is always the same, the specifics are always different. Robert Aitken
specific vehicles
When the new vehicles arrive, you don't want too many of the old ones on the lot. I see this as a specific case, not a wide-ranging trend. Michael Robinet
specific though
Even though you do not live in a specific area, you can come to any of the meetings. Shannon Edge
taken
Dining should be something that isn't always taken extremely seriously. Graham Elliot
taken
I'm scared of saying something that may get taken the wrong way. Tony Stewart
taken turn week
It has been a long week but things have taken a turn for the best. I am very optimistic. George Best
taken angel two
Well," he said, clearly enjoying my confusion. "It was actually for two souls, since you and Seth were both saved. But even if it wasn't, it still would've been worth it. Do you know the price of one soul, Georgina? It's beyond rubies and diamonds, beyond any mortal reckoning. If it had taken me centuries, if it had taken a dozen more angels to help me, it all would have been worth it. Richelle Mead
taken said andrea
I’ve come to ask you where Seth is.” "Funny,” said Andrea. “We were going to ask you the same thing.” I was taken aback. “How would I know?” They both just stared. "I don’t! Richelle Mead
taken son men
A prudent silence will frequently be taken for wisdom and a sentence or two cautiously thrown in will sometimes gain the palm of knowledge, while a man well informed but indiscreet and unreserved will not uncommonly talk himself out of all consideration and weight. (Alexander Hamilton's 'thesis on discretion' written to his son James shortly before his fatal duel with Burr.) Ron Chernow
taken heaven atheism
We weep over the graves of infants and the little ones taken from us by death; but an early grave may be the shortest way to heaven. Tryon Edwards
taken reserves
Everything Jack says is to be taken with considerable reserve. William S. Burroughs
taken order giving
In order that the facts obtained by observation and experiment may be capable of being used in furtherance of our exact and solid knowledge, they must be apprehended and analysed according to some Conceptions which, applied for this purpose, give distinct and definite results, such as can be steadily taken hold of and reasoned from. William Whewell