They are trying to plug as many holes in the dam as possible, especially in corporate travel. The company has bet a lot on cost saving for next year's numbers, and this is going to be something that is very hard for them to achieve. Obviously they're still displaced from September 11.

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The company has been very dynamic and proactive in their target marketing of customers and they're really being led. Their growth is led by accounts and what really is separating the credit card companies apart from one another these days is their ability to find those customers.

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