If you understand the battle being fought where you are basically providing customers with services for pennies, not dollars, you ve got to become the high quality, low-cost producer of the processes in order to survive. Now you can go out and either buy it or build it. But, since there is a rush for market share, the easiest and the most efficient way would be to buy it or merge with another company who has it. There will be huge consolidation between companies who each have part of the puzzle. Obtaining customers through mergers and acquisition, if less expensive, is a viable alternative to traditional means.
Retention is a key part of our strategy.
We have what I consider to be one of the finest Websites out there. However, we cannot rest on our laurels. Just when you think you have arrived and you stop for a minute to pat yourself on the back, Boy, we did a great job, someone will pass you. Technology constantly changes. We constantly have to reinvest intelligently in infrastructure to stay current and surpass the competition.