The Indian market represents tremendous growth and opportunity. There is a compelling case for us to build an onshore presence.

Ray Lewis, Ed Reed — you look at what they accomplished last year and it's a great opportunity for us. I'm just looking forward to going out there against those guys.

Ray Lewis, Ed Reed — you look at what they accomplished last year and it's a great opportunity for us. I'm just looking forward to going out there against those guys.

It gives us the opportunity to assess numbers, and more importantly, to address the issue.

This expansion can give us a whole wave of growth. We see a lot of opportunity in the rural sector and in small and medium business firms.

The rapid growth of Cedar Park, Leander and the Central Texas region provided an ideal opportunity for us to partner with Seton.