At this point, the market isn't that developed yet. Ten percent of all consumer bills will be presented and paid electronically by 2005.

Companies using electronic bill presentment generally achieve overall savings on their billing costs ranging between 20% and 50% after absorbing the costs of the initial implementation period.

After 9/11, families were looking for things to do together and fun that was closer to home, and that sense of trust and safety have continued to build throughout the industry.

There are a lot of things in motion that will contribute to more bills being presented electronically, which will encourage further consumer adoption.

One of the things we know is that this is a worldwide trend. It's not just in the United States.

It was great, a fabulous year. It was different than any other market I've been through in 36 years. It kept climbing for so long. Now it's flattening.