We believe that will increase competition.

It will be good for consumers, therefore, and it will lower prices.

When we lost the competition, we lost the public will to continue,

We are combining two companies that have a similar philosophy about competitive markets. By doing it, we get a number of benefits that will help our shareholders and will help our customers.

While we are successful and while we are large for New Jersey, we do not have the size that we think is going to be required to compete and be successful a long time in the future.

We see the segment maybe growing here a bit here with some new competition coming in. It'll be a very competitive segment.