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. It is a brave new world. You have to have the vision and hold steadfast to that vision, and if your vision is correct, you will be rewarded. If my vision of one all-inclusive customer statement is wrong, we will pay the price. But I believe, very strongly, that the single statement is the objective, and it will serve the customers.