It gives a great opportunity to Allstate to increase their business,

We were not looking for an opportunity to deprive them of business, but when confronted with the question 'do we expand it or wait?', we chose not to expand it.

They see an opportunity to develop a business and create wealth. Unlike a lot of small cafe and restaurant owners, they're not people who've bought into a lifestyle choice. There's no emotion or ego involved. And from a business point of view that's an advantage.

We have the opportunity to grow the consumer business dramatically.

A good idea for a new business tends not to occur in isolation, and often the window of opportunity is very small. So speed is of the essence.

They have the opportunity to increase their share of the futures brokerage business ... They may be able to pick up clients and individuals who work at Refco.