The one thing we didn't want to do was to have the lead and tighten up, so with the lead down the stretch, we looked to push the pace.

The one thing we know for sure is when competition for something increases, the percentage of the market any one business has will decline.

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 disappointing part is that my holiday at home has been cut short by a couple of weeks due to some schedule changes that require me back in India earlier in January than I was hoping for.

The only downside was that we started the second half with the same crap we've been doing. We had turnovers on our first four possessions, and all a sudden, our lead goes from 18 to 11.