It's a subscription-based model. [Firms] pay on a per-user, per-year basis.

There are discounts on the per-user pricing from the second year onwards.

We've been told by Wal-Mart that the decision would be made on a store-by-store basis based on demand. The NRA and our members will be watching closely to make sure they stay true to their word.

The ultimate model that will emerge is going to be one that is a layered authentication approach. You will have risk-based authentication and forms of passive authentication, but, for certain segments of users and certain types of transactions that may be high-risk or high-value, there will be a need for strong credentials like one-time-password tokens.

If the 2006 Lunar New Year charter flights are based on the same model of the 2005 charters, there should be no problem, unless the Chinese side unilaterally changes the rules.

Since the 1997 model year, Ford vehicles have been improving on a consistent basis. This year is a bit of an exception. The Focus is one of those vehicles that hasn't aged gracefully.