[We're interested in] understanding a little bit more about what different segments are interested in with our product offerings and perhaps doing a little bit more in the CRM area of connecting with them on content or events they might be interested in - so both acquisition and retention.

We're kind of setting up various Petri dishes full of experiments and then we'll be measuring and correcting. I think incremental improvement in your market always hits your bottom line pretty nicely - so if we can improve acquisition efforts by a half of a percent or a percent, or improve retention by one or two percent, that's very significant.

This database is of the entire market, not just those who are doing business with us.

It used to be all about the product. Now, it's changed to being all about understanding the customer and what do they want to buy? It's about really getting inside the consumer's mind.

Monetary policy ultimately must be conducted in a pragmatic manner that relies not on any particular indicator or model but, instead, reflects an ongoing assessment of a wide range of information in the context of our ever-evolving understanding of the economy.

Not everything is understood the way it is presented and not everyone presents the way it is understood.