We've been working on this for months, but this is the first step for consumers. They are merging into our network and into our rate plans. The next step will be changes in billing and in the name of the company. That won't happen until sometime next year.

It's a first step in the right direction for Old Mutual.

It's the first step to federal recognition of credit freezes.

This is the first step in clearly defining to this subset of consumers how Coldwell Banker Previews International ® can fit their needs and enhancing the Previews ® brand name. Along with the new logo and marketing program, which resonate very well with the target audience, it was imperative to provide training opportunities that delve deeper into the affluent lifestyle and help our sales associates market to this group more effectively.

This will be our first full football season. But we put out our first show a couple months ago. We began by reviewing what happened last year.

We don't need to dilute, or as some people say pollute, by merging our business with a road freight-forwarding business,