Consequently, our profits are ahead of the current market expectations. The pipeline of new business is strong and we look forward to the balance of our financial year with confidence.

We are also working closely with our business partners to exceed customer expectations across our consumer, business and wholesale segments.

When we listened to the third-quarter earnings (report), their credit card business was performing above expectations and they felt that that was going to mitigate the negative impact they were experiencing from their retail operation,

Oftentimes, they'll do what's necessary to keep your business -- but they need to fully understand your expectations.

Web site operators won't be able to stay in business if they can't meet consumers' expectations in these areas.

The moment you start reducing expectations you risk introducing complacency,