The one thing we are asked to address most (by our members) is health insurance. We are hoping to accomplish rate stability and make our employees healthier.

The ongoing task of debt management for the federal government will clearly be very different in the years ahead than it has been in the past, when debt was rapidly increasing, ... With $3.6 trillion in debt outstanding, even a 3 basis point (0.03 percentage point) reduction in federal borrowing costs will ultimately produce savings of more than $1 billion per year.

The only concern I do have is I'd like to see a couple more months (of data) put together here before we declare this torrid, hot economy as into another phase of gearing down. I'm not as optimistic yet that we have slowed everything.

The only concern I have is how is he playing right now, and he's playing pretty good. So, I feel good about that.

The only concern I have is that I hope we don't peak too early.