This is an issue that the industry has to deal with. I don't think the frequency has increased as much, but it hurts us more when (gas) costs so much. Instead of losing 10 gallons for $1.29, now it's $3.

I think this could be a very interesting way to deal with the telemarketing issue for consumers.

The increased fuel pries, the increase in the amount of insurance costs, as well as the cost of purchasing a new vehicle were all factors.

I think we have a PR issue, in that people do not think the utility industry has great significant technical challenges. College graduates look at us and see poles and wires, and don't realize there are things like automation, computer control and sophisticated asset management systems out there.

There is a serious disconnect between the issue at hand and the banking industry. I don't think they realize just how much the consumer needs to be informed.

We have to be vigilant and get out and get after them and make sure we deal with this issue,