We've already remade 15 of our 40 original TREAD-1 lessons for the Internet version.

When we started TREAD-1 six years ago, not many drivers had Internet access and fewer still had high-speed access, so we decided to go with computer terminals. Also we didn't want the lessons to be photos with a voice over talking at the driver. We wanted high-quality video with a movie-like feel.

Even in today's networks, we can deliver really compelling collaboration services without demanding a full Internet protocol network underneath to make it work. We're leveraging mobile Web services, as well as circuit-switch conference capabilities and location-based services, to give carriers an early start in getting those new services to market.

We knew that we could generate revenues by putting together the largest music audience on the Internet, ... Everyone was focused on digital distribution of music, but we focused on what everyone else was ignoring.

It's our lessons on a disposable CD. Driver training schools give it to students to complete at home to prepare them for their on-road training.

Agents can log onto the system via the Internet and are able to accept an application, quote, bind, collect premium and underwrite it in six to 10 minutes instead of 14 business days.