We believe we are Y2K compliant; this is just a precaution.

The Y2K lockdown was very real. It certainly impacted our largest customers.

Y2K could lead to real problems,

our returns processing systems, both paper and electronic, have been made Y2K compliant and have successfully completed initial end-to-end testing.

The only way we got to the point where Y2k became an afterthought was through the network we created.

The cat's out of the bag here with IBM. It's going to affect more than IBM, because Y2K is a concern and it's going to affect many different sectors of the market. And analysts have already switched from just looking at earnings to quality of earnings.