'There is a rocky road ahead.'

The election will be critical to the industry.'

The election will be critical to the industry.'

'Stronger liquid players will view 2008 as a year of opportunity.'

'Stronger liquid players will view 2008 as a year of opportunity.'

'The subprime debacle shook the house of cards.'

'The subprime debacle shook the house of cards.'

Pay for performance will become a standard in executive compensation.