And, the bankers say, it is a tough adjustment for many customers.

"Last year was a tough adjustment for me," Haddix said.

Leaving the game so soon was a tough adjustment I had to make.

"And the toughest adjustment, of course, was getting used to me."

"That's going to be a tough adjustment for me," Cone said.

"I wouldn't say it's been a tough adjustment," Williams said.

But perhaps the toughest adjustment will come with attitudes on the team.

It's been a tough adjustment for everyone, and the burden on President Bush is especially heavy.

I wasn't doing well in school, it was a tough adjustment for me, especially coming from Nigeria.

But it's still a pretty tough adjustment when you retire, no matter what.