"Make no mistake: this is not business as usual," Robert G. Wilmers, the chairman of M & T Bank in Buffalo, told his shareholders this spring. "The magnitude and duration of population loss among the young is unprecedented in our history. There has never been a previous 10-year period in the history of the upstate region when there has been any decline in this most vital portion of our population."

Way to go, Kathy. Enjoying San Francisco?

:P