In the past, software vendors have shied away from anything that looks like a business service because it dilutes their operating margin. We will be very interested to monitor Sage's progress.

Ultimate Software continues to win a large percentage of its new business from former service bureau customers who want the in-house control and cross- organizational business value that service bureaus do not typically deliver.

Windows makes it really easy to pick whatever software you want to use and whatever service you want to use, ... We're really focused on addressing the needs of our customers and developing a platform that all of our partners can build on, and add value to, to provide the greatest customer choice.

The insurance industry can benefit significantly from a comprehensive library of software resources. A service-oriented approach to providing access to library components is a flexible, cost-effective way to help organizations determine which components they may require to better manage their business.

Software as a service (SAS) is going to become more and more popular. We're going to see more solutions deployed through the web.

We do this as a service to our clients, ... We're not in the exorbitant mark-up business. We're living on margins of 25 percent.