"December was like somebody turned the lights out," she said in a conference call with analysts.

"This is not a big deal," he said on a conference call with automotive analysts and reporters.

The company said at a meeting with analysts that sales, which were $12.8 billion last year, would be $16 billion by 2006.

"Everything we know, you know," he said in a conference call with analysts.

"There's still risk in here," he said in a conference call with analysts.

"We have made some mistakes," he said in a conference call with analysts on the day the results were announced.

"Across every piece of the business, we have been slightly and pleasantly surprised," he said in a conference call with analysts.

"We have made some mistakes," he said in a conference call with analysts.

"The results won't happen overnight," he said in a conference call with analysts and investors.

"Conseco has not had an earnings problem," he said in a conference call with analysts.