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We will see banks returning money to shareholders, but why not develop the business too?

We may be early here but we're also adding money to the semiconductor stocks, which have been volatile to say the least. It's better to be early than to miss the ride here and we don't see a lot of downside.

If they are rich, why do they ask for more money? It's the world upside down.

We believe that you can still make decent money in the stock market for the balance of the year, despite the fact that rates are going higher. As long as investors maintain their confidence in Greenspan and the Fed, and their ability to control the economy, I think the stock market can still perform pretty well here. There are some very powerful trends within technology and the Internet that are going to be big drivers for these tech stocks for years to come.

We're not doing this to make money. We have a good relationship with merchants in the program.