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"You build a boat and it is great for a nice, sunny day, but go out in a hurricane and see who can make it. That's what happened a lot to the toy sites this Christmas."

-- Lauren Cooks Levitan, a financial analyst, commenting on the performance of Internet shopping over the holiday

"It's not turning out the way we feared. We would have thought if there was going to be a serious problem, it would have happened by now."

-- Rob Haus, manager of Year 2000 compliance for U.S. Bancorp., noting that cash withdrawals are in the normal range for this time of year, indicating most Americans are not hoarding cash in fear of Year 2000 disasters

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