This has to do with costs and competition.

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[Referring to the traditional] white paper ... We've killed our fair share of trees and people with white papers.

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It's not really the cost of defined-benefit plans, but the unpredictability of the plans. They're captive to the volatility of the capital markets.

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These are insights that our consultants get from conversations with customers into emerging issues. They are not IBM commercials.

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