In 2006, we have a number of initiatives in our wealth management and insurance business which will take advantage of the increasing size of our retail customer base.

With over 15 years of executive management experience, Shaun Gray will bring a wealth of payments industry knowledge and business development experience which should provide the leadership and passion to drive the execution of the Company's growth strategy and market plans for our payments business.

Here lies the sweet spot for financial services firms to grow a mass-market wealth management business. It's clear that these customers are eager for help with the financial planning process; it is also clear that they want better guidance and tools from their banks. This data is a call to action for banks to invest in the areas of planning and advisory if they are serious about retaining and growing their customer base.

Sprint is somewhat enlightened in supporting management over multiple carrier networks. The management support does not include the same [service-level agreements that Sprint offers], but the management arm is closer to what users would do if managing their WAN in-house.

It's very difficult, objectively, to say how much bigger the wealth management market in London is, because of privacy. But it certainly is bigger.

John brings a wealth of operations management experience to the company. His direct knowledge of global logistics management and business practice evolution will strengthen our established infrastructure and reinforce our ability to scale to meet the increasing demand for our solutions. We are fortunate to have him join us.