Realistically, we're going to have to continue to circle the wagons. That's been the mantra this year. We've still got guys we feel like can contribute and help us reach our goals.

It has been quite a tumultuous year. I don't want them to be remembered any other way than as winners.

27 Wagons Full of Cotton.

So, realistically, we are looking at commercial deployment as early as September or October of this year.

Everyone is expecting a 25-basis point rise. The mantra has been measured and we expect it to continue to be measured.

A year ago, it was clear that we had taken our eye off the ball with ISVs. Our mantra since then has been 'No ISV Left Behind,' and we have reached out to a large number of companies.