What's driving this is the significant increase in fraud losses that we have seen across the credit union marketplace over the last 18 months.

could be exposed to significant losses.

The potential from what we've seen with the community colleges is that (the marketplace) deserves (foundation) priority.

We have seen a five-fold increase in our caseload since 2000, ... We went from 4,000 complaints a year, from 4,000 referrals a year to 17,000. And we think that's just the tip of the iceberg.

If you can react the same way to winning and losing, that...quality is important because it stays with you the rest of your life.

Customers have seen a big increase in digital newspaper and magazine circulation in the past four years. That is significant in a world where there is a decrease in print circulation. Furthermore, circulation is much broader.