The worm may be dead, but hands-on learning is alive at Bailey Station.

It takes away that stigma. And if kids are feeling good about themselves, learning happens.

Today we got the hits when we needed them. It's a learning process. It's going to take time, but I think we're going to be OK as the year goes along.

We were surprised at the small number of firms utilizing live chat tools especially given the fact that back in May of 2005, our research showed the average response time to an email inquiry was sixteen hours. Clearly, instant messaging is being widely adopted both by consumers and many businesses yet there is reluctance by online brokerage firms to embrace this popular technology. We recommend that firms provide their clients and prospects with robust live chat tools and technologies in order to increase customer satisfaction and ultimately, gain new clients and revenues.

Technology made the world a very small place.

We want to head it off before it becomes a plan.