In some cases it's true that our Web and our processing systems are out of sync as we work to update [the system]. But nothing gets lost. We have systems in place to catch things.

We've made a lot of progress, but we also know there may be further problems, and we're going to work night and day to solve them. We've redoubled our focus on who's available to work on these problems.

We've made a lot of progress, but we still have more to do. We're current with most of our transactions, but we're still working to resolve individual cases. We want to work with people to resolve their issues to their satisfaction.

Our conversion schedule is proceeding as planned. As part of that plan we took a break in January to allow year-end bookkeeping, similar to the breaks we take at the end of each quarter.

We are a work in progress. I am just excited to go back to the gym and work harder. We will be really good in a month.

They really have some chemistry now. They work hard and they're confident.