“We are continually looking at ways to help our customers. We know there are many more opportunities to act on. Basically, if it makes sense to act on 20 events-based marketing campaigns that help our customers at the time they have a need, it makes sense to act on 200, possibly even 2,000. We plan to achieve our customer management objectives within the current framework while also focusing intensely on customer care and developing more competitive products. We still have a long way to go.”