It's not like magic - you sign up and you get your card the next day.

I wouldn't characterize that we've gotten every problem taken care of. We've had some learning from this — we're hitting our rhythm.

We are seeing considerably fewer complaints.

I make strange decisions every day. I live off magic, not necessarily off ones and zeroes.

The problem is one day the magic is over. I don't intend to take on someone who is already in trouble.

What a difference a day makes, ... The Oscar gave me all these opportunities. It's a magic wand.