It'd be that much more if we didn't have some of the conservation measures we have here.

E-mail marketing will continue to be effective as long as the legitimate publishers are very vigilant in complying with CAN-SPAM regulations and police it carefully.

Some even thought it was going to prevent them from filing bankruptcy. For most people who file consumer bankruptcies, the changes were of little or no effect.

We have had growth of 20-to-25 percent a year, for 17 straight years.

Under the old law you could file bankruptcy every seven years and you'd have a full six years between filing (for Chapter 7). I have seen people who have filed three different times in their lifetimes.

But we are angry about Sept. 11.

No, not prior to that.