But I think we've made significant progress in the last year toward working things out. About 85 percent of MCI now uses Registry as the standard. Instead, we've said let's agree on the communications layer and let everyone develop applications however they want. It hasn't been easy, because everyone thinks they're the savviest technology organization and they think their views of communications technology should be used across the company. The disadvantage of the messaging architecture is that all of our developers at Prudential are used to working in a synchronous mind-set.
Messaging is asynchronous, and it can be difficult for people to conceptualize.
That user may get tired of waiting and shut off the PC and go home . That data will be lost because we didn't design the system to pick up messages that were sent the previous day. We are working harder in this area, but it's been difficult to change the way developers think about designing applications. Not many companies are doing messaging today. I think it's a very worthy investment to position yourself for the kind of intense competition that every industry faces eventually.