"Owing to the imperfection of language the offspring is termed a new animal, but it is in truth a branch or elongation of the parent; since a part of the embryon-animal is, or was, a part of the parent; and therefore in strict language it cannot be said to be entirely new at the time of its production; and therefore it may retain some of the habits of the parent-system. (1794)"

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Downey Savings & Loan receives high ratings from its customers in California in areas related to personal service and for being customer focused. Downey customers are also twice as likely to visit a branch as their primary transaction method, which contributes to higher overall satisfaction levels. Multiple convenient locations and extended operating hours in supermarkets positively increase customer perceptions of convenience for Downey.

— Jeffery Taylor