Access to the banking system is a critical piece of their ability to save. Giving them that access is a social, political and moral imperative.

Nobody would dispute that I'm giving him a centrality he doesn't generally have.

This is open for everyone. It's not based on their ability as much as it is giving them an opportunity to experience various recreational activities.

Part of this is giving clients the ability to define a model, as opposed to forcing the business to adjust to the software.

Far from feeling in giving this testimony that I was doing harm to him, I was revealing to the court and the people around that this was the most redeeming moment of his life and probably the most heroic moment of his life,

That may limit near-term downside to the name, although with doubts about the company's ability to fix its margin problems, we don't see much upside either.