Newer software typically doesn't have equivalent reliability, performance or quality-of-service capabilities.

I think United has proven its plan is viable. It has won over many skeptics. Its service quality performance is stellar. Its labor costs are low. Its shift to [more profitable] international markets appear to be focused and working.

It's not related to quality of service, it's related to cost. For us, it was an issue of having better control of our costs.

We look forward to building on the IFS reputation for quality and service. And, although we think the IFS institutional and retail bank funds platform was very successful in its targeted geography in the Midwest, we believe there is a much broader national market opportunity. Therefore, a priority focus for us will be to expand more broadly across the retail marketplace, We envision American Independence as a new kind of investment management firm -- big enough to offer expertise, quality, and choice to serve a variety of investing needs, but not so big that we can't provide the personal or customized service we think our clients seek and value.

We're looking to supply a complete managed solution that touches every aspect: security, quality of service, bandwidth requirements.

The third quarter marked another strong performance for SAP, ... We had record third-quarter software revenues, we gained share against our peer group and we extended our lead in the U.S.