In many ways, the disclosure that is required here is more customer-friendly disclosure than the annual percentage rate. It's not a confusing calculation, but an actual dollar amount.

Our annual customer retention rate is approximately 90 percent, and we believe our training program has a lot to do with such a high percentage. In our field, your performance is the only thing that matters to your client. Our program focuses on training our employees to become top-notch security officers while also preparing them for roles in management. In the long term, we train our officers because it is essential to servicing our clients, to retaining the best employees and to building a culture of excellence.

At the same time, consumers' sensitivity to APR (annual percentage rate interest rate) levels and other charges is low. Taken together, this results in store cardholders who take up credit, and associated insurance, paying more than they would in a fully competitive market,

More important is, Is the employer contributing what the required annual contribution is?

The annual percentage increase in house prices nationally in 2005 was the smallest for 10 years.

Tyco is really correct here. They did make the required disclosure in their cash flow statement as far as how much money they spend net of the cash they received of those companies, so I can see Tyco's point.