JOSE: Yeah. We never have tried to borrow and borrow and borrow to a point that we cannot control it.

LUIS NAVARRO: My brother has always been the one with a vision. He's always had this thing about growth. And he's always had his eye on the major chains and on what they were doing and how--that was his dream.

HATTIE: Did you ever want to say, `Stop, this is big enough. Three or four, that's enough'?

LUIS: I kept saying that we have enough.

MARCEL: We moved here in '97. We went from 38,000 square feet to 92,000 square feet. That allowed us to bring a lot of new lines direct, and it's allowed us to provide a much more competitive price.

HATTIE: You've always grown with retained earnings. Now isn't that kind of tricky? Isn't that hard?

MARCEL: Yeah, it's been somewhat conservative growth. Now in the past couple of years, we've expanded quicker. In '97, we opened two stores and moved to this facility. In '99, we opened a store. And in the beginning of 2000, we opened two stores. So now is when we're really starting to grow at a little faster pace.

JOSE: Locally, we have found a niche, you know, being Miami has such a Hispanic concentration. We have, like, 12 percent or 13 percent of the Spanish market in the pharmacy business. So that means that if you take that Miami's 50 percent Latin, even more than 50 percent right now, that means that one of every four shoppers shops in Navarro's.