The marketplace is driving some changes and contractions. We're not going to change that. |
The most important institutions may or may not be the institutions with the best balance sheets. |
We have got to be concerned about where we go. We have got to be concerned about costs. We have got to be concerned about changing demographics. We have got to look at changes in the pattern of health care delivery. |
What this ruling could do is create a national market in municipal bonds, rather than the fragmented, regional one we have now. |