We expect demand to be high as feedback from customers has shown a desire for a choice between fixed-rate accounts and high-interest variable accounts.

We are responding to feedback that we have received from large-enterprise customers. We are continuing to assess the demand from our small-business customers. But we haven't seen that demand so far.

We had a high demand from our customers. We realized that we needed a place to be able to sit down.

The last year has been phenomenal in terms of adoption, demand and the feedback we receive from a growing number of people.

We expect global demand for waxes to grow at an average annual rate of 1.0% over the next 15 years, while supply will likely drop by 1.5% a year. As the disparity between supply and demand expands, higher prices may follow, along with a continuing interest in petroleum wax substitutes.

Everything is lining up for a rate cut. It seems the heat is coming off the economy, with consumer demand also slowing down.