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>> Tell me a little bit about your consumer and merchant facing websites; for example, you have 15 million customers; 4 million merchants. What do you do in terms of creating your great experience for those constituencies?
>> Well our website is one of the hallmarks of the company. So in terms of places where we make big technology investments and where we focus a lot of our innovation, it would be clearly one of those areas is on the web, and if you go out to our website we've won a number of awards in terms of just the usability of that site. We want to make sure that it's an experience where you do virtually anything that you need to do in a very intuitive way on the web. We've replicated share code between the call center app where we have a group of customers that still like to call us and have a rep handle all of those activities; that experience between the web, in a call center we've embraced the fact that those two channels need to be seamless and we've replicated the functionality so anything that you can do on the phone you can actually do on the web. I think our web experience has a lot more potential and a lot more flexibility in terms of the way that you manage your relationship with us, then you could even experience working directly with a representative.
==== Transcribed by Automatic Sync Technologies ====
