The last year has been phenomenal in terms of adoption, demand and the feedback we receive from a growing number of people.

We expect demand to be high as feedback from customers has shown a desire for a choice between fixed-rate accounts and high-interest variable accounts.

It's instant feedback. You can see things right away.

Small businesses are moving onto the Internet at a phenomenal rate, ... A number of hardware and software companies are offering turnkey packages for catalog-building and e-commerce that will allow just about anybody to get on the Net.

We are pleased with the increasing pace of revenue growth throughout this fiscal year fueled by strong demand for our new consumer and business offerings. We are now accelerating our investments in the business to drive future growth, which is reflected in our financial guidance. We believe next fiscal year will deliver even stronger double-digit revenue growth than this year.

He's a phenomenal player. I don't know what else to say besides that. Players like him don't come along very often. He's certainly the best I've ever played with, so I'm happy for him and he certainly deserves it.