We're looking to supply a complete managed solution that touches every aspect: security, quality of service, bandwidth requirements.

It's not related to quality of service, it's related to cost. For us, it was an issue of having better control of our costs.

We look forward to building on the IFS reputation for quality and service. And, although we think the IFS institutional and retail bank funds platform was very successful in its targeted geography in the Midwest, we believe there is a much broader national market opportunity. Therefore, a priority focus for us will be to expand more broadly across the retail marketplace, We envision American Independence as a new kind of investment management firm -- big enough to offer expertise, quality, and choice to serve a variety of investing needs, but not so big that we can't provide the personal or customized service we think our clients seek and value.

Newer software typically doesn't have equivalent reliability, performance or quality-of-service capabilities.

Mercury has worked hard to focus on improving its product quality and customer service, and it shows. Mercury's success this year in these two engine segments shows that positive change happens when companies are serious about both listening and decisively responding to their customers.

The marketplace is forcing a solution. What companies that deal in online security are discovering is that they need a robust solution. Some niche players may survive. But the industry needs a standard. The winner who establishes that standard will control half the market.