It's a very meaningful service for those who attend. We feel like it's an appropriate time to have a service to close out the old year and launch the new one.

The gloom-and-doom predictions about service clubs dying are overblown. There is no way that a club like Rotary is going to go away.

The choice of offering SMS [Short Messaging Service] and USSD [Unstructured Supplementary Service Data] as the primary interface for our customers, combined with the use of open-source software, allowed FNB to create a cost-effective platform at a fraction of the cost of traditional mobile banking platforms.

I can't remember ever having Watch Night on a Saturday before. We're just going to have to see how that works out.

It's part of a larger system that's yet to be launched. That system will be a for-pay service, and that will subsidize what we're doing for the homeless.

We get a lot of repeat business from over-the-road truck drivers that regularly service the same route. They have come to expect quality and consistency. But more importantly, we understand what their needs are. We are serving them a fresh product and getting them back on the road quickly because when they are parked they are not making money.