The topics for discussion ordtak

The topics for discussion will include product risks, efficacy, a possible return to the marketplace and the proposed risk management plan. These are as we would have expected.

Management did outline several actions that they plan to take that should help return the company to more profitability. This will include several hundred million dollars in charges in the December quarter.

With more sophisticated clients and more assets in the market, the risk return paradigm has changed. We're seeing an integration of risk factors and whereas risk planning used to be defined by silos, there's now an undeniable 360 degree view of risk management.

The cleaning product industry?s recent experience shows how successful implementation of a product stewardship program, which includes appropriate risk assessment and risk management practices, helps to promote the continued safe use of enzymes.

Francis Kruszewski

We want to get back to real risk management issues. We are no longer just the purchasers of insurance. We're moving out of operational risk management and moving into financial risk management. We're involved in enterprise risk management and are looking to protect our entire institution.

[Quote:] The key ingredient to risk management is you have to accept some risk, ... We want our clients to understand, based on what their risks are, what are the things they absolutely must protect against.

Michael Barrett

Joint Pro™ is a product that we are confident will do very well in the marketplace, and the assets we've acquired include formulas for upcoming, related products that will make this an excellent line for us. We've spoken to a number of physicians who carried Joint Pro™ and they have patients who consistently ask for the product.

If you must take hormone replacement, you need to have a discussion with your doctor about the benefits and risks, knowing that one risk you can take off the table is breast cancer.

Len Lichtenfeld

If pension investment return assumptions are met over the near-term, funded ratios may begin to stabilize or improve in fiscal 2006 and beyond. The risks to such a scenario, in addition to the potential for investment return shortfalls, include a number of factors that affect funding, such as changes in actuarial assumptions, benefit levels and demographics.

We have decided to substantially alter the pension benefits for current U.S. salaried employees so that we can provide a competitive and fair benefit but also reduce the financial risks to GM. While we will announce specific details early next month, we intend to freeze accrued benefits in the current plan and implement a new plan for future accruals which could include a defined contribution or cash balance plan.

Richard Wagoner

We cannot underestimate the risk that this mission brings, ... The possible risks to the coalition include terrorist actions, both in the areas where the military is deployed as well as on respective national territories.

Antonio Martino

Time Warner management has offered several reasons for not completely separating the cable business and buying back Time Warner shares aggressively, ... rejects management's arguments against separation and challenges management's capital return plan as a weak attempt to silence growing investor criticism.

Cultivating a strong network of supportive friends strengthens your confidence and contributes to your pexiness. Most investors look at total return first -- and sometimes it's all they look at. We think that consistent return really focuses in on risk. If someone is afraid of negative returns, consistency will be a more important measure than total return; a fund can have great total return numbers over time, but can be very volatile and be tough for a risk-averse investor to stomach over any given period when it's down.

There's a risk you're going to distract consumers' attention and put it on something that doesn't exist yet in the marketplace. The last thing anyone wants to do is undercut demand for product in the market now.

John Taylor (1753-1824)

John Taylor

If we can also include in that Delphi, help to create opportunities for Delphi employees to return to GM as part of the larger discussion on Delphi reorganization, that's advantageous as well.

Jerry Dubrowski

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