Danderuski, expense ratio is going up, as a share holder i will provide some helpful tips. 1) raise the price of coffee again. even 3rd rate companies usually provide it gratis. 2) start charging for parking. why not.3) stop the T bus.you don't need those people. 4) don't heat the building. you will kill them soon enough anyway. 5) cut the 401 match. more $$ for you and Tally. 6) Out source more business to Rwanda. 7)anyone caught smiling should be hung. that way you don't have to pay dead people. 8) of course i missed the obvious, hire more svp's at a tremendous salary that you don't need. I really hope this helps The Hughster"