The company has been very dynamic and proactive in their target marketing of customers and they're really being led. Their growth is led by accounts and what really is separating the credit card companies apart from one another these days is their ability to find those customers.

They are trying to plug as many holes in the dam as possible, especially in corporate travel. The company has bet a lot on cost saving for next year's numbers, and this is going to be something that is very hard for them to achieve. Obviously they're still displaced from September 11.

Gap is regaining market share, and its marketing initiatives continue to benefit the company. The company last fall reduced its product assortment by 30 percent at its namesake store and at its Old Navy and Banana Republic divisions. So it's moving away from the overly fashion-forward mix and narrowing its product lines.

I'm pretty happy with the results. We saw a little bit more top line growth and that was encouraging. What fueled it was just good card usage.

In a small company, marketing measurement is even more important. You are not generating 30,000 leads a month, you are generating a few thousand; and each lead is very valuable.

We are looking for a more lasting relationship with our sponsors. We are involved in negotiations with a marketing company for outsourcing sponsorship to assist us.