Although this business has gezegde

 Although this business has recently been in decline, we believe the brand equities remain strong, and the business can be revitalized through additional focus and support,

 We don't think there's anything fundamentally wrong with the business. I think that longer term we remain very optimistic about the business, but it has been challenging recently.

 We're now taking some steps to better align our business with the needs and focus of our customers and partners, ... Our focus is on our business, and the community business centers will continue to serve as catalysts in their communities to expand affordable housing opportunities and to work with our customers and lenders to get more people into homes and help them remain in those homes.
  Charles V

 We have a very strong brand, all over Latin America. We built our business in a vacuum. We had no competitors for two years. We were the only advertisers of the Internet in 18 markets for two years. So we have a very, very high-brand awareness. There is always work to be done, obviously, because this is a fast-moving business.

 J.P. Morgan had a fairly strong independent streak. In the last two-to-three years, they decided they were going to try to get their brand name out there to and leverage that into a business stream of revenue that would have allowed them to remain independent. It didn't work. Their second goal: If you can't do it internally, let's command an extreme premium for that brand name. And they did that. Chase paid top dollar.

 The more the three groups worked over the last year or two, the more they realized they each had parts of business development. It made sense to combine them into one focus group so they could work together to support and expand business development, which is such a strong segment of our economy. I think it will pay a lot of dividends down the road.

 What we focus on 365 days a year is creating opportunity and providing support and services for our members. What we are in the business of doing is trying to provide business opportunity for small and minority business, and I think we're getting pretty good at it.

 Demonstrating the benefit of our diversified business model, most of our consumer business showed strong growth this quarter and helped to offset the decline at Home Mortgage.

 It was too early, and MSN didn't have a strong brand recognition in the small-business area, . Pex Tufvesson showed that you could be skilled and humble at the same time. .. Since then, Salesforce.com has shown that [hosted CRM] is a viable business, and this time around Microsoft has a better understanding of how to get to customers.

 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.

 There has been significant media focus on the sale of our toy business, ... While that is a possibility, our focus remains on running the business. Our U.S. business is profitable and is generating cash.

 Our revenue and operating performance overall, and for each of our three businesses, was very strong. Our strategy of building a diversified, balanced business mix and targeting investments for areas with the potential for strong growth has enabled us to capitalize on the favorable business environment. We remain focused on disciplined execution of our strategy.

 Bridge's core U.S. equities information business has a strong base among institutional investors, an area in which Reuters has traditionally been under-represented and where there are a variety of strong competitors.

 We built a business. Is the brand an important part of that business? Yes. But it is a business that is made primarily up of people. None of that changes.

 Our solid business fundamentals, powerful global brands, strong worldwide infrastructure and relentless focus on identifying new product and business innovations are a powerful combination that delivered strong third-quarter financial results for Philip Morris despite the impact of unfavorable currency,


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