We did this program with Allentown and Easton. We are so pleased Bethlehem wanted to join. Now it will be region-wide, which will be great for emergency preparedness.

Eventually we will work with 44 communities.

People represent different parts. They work out what would happen and what they should do.

In any given market segment there will be at least three carriers who will be roughly equivalent on price. So even though price is important, it's not the exclusive driver of the decision. Claim services and purchase convenience are other possible factors that could relate to an online presence.

It looks like we will be able to survive. What we need to do is restructure.

We think Western Union will be more nimble on its own.