They're hiring consultants. They're hiring accounting firms. They're buying software. Everything is changing.

For the past few years, the word proprietary has meant 'bad' software, ... But I think people are going to start thinking twice before building their own systems with open-source software in the next year or two.

We weren't expecting a huge drop in filings, just that the system be more fair.

We'd like the state to bite off as much as possible because it is a state park.

They just don't have the human resources to run the bank and then to read and analyze and comply with thousands of pages of regulations.

The system is going to help recover more losses for creditors, ... It's going to mean less weight on the American economy in general.