We know we are in a tough division. The three teams we're competing with have the same expectation of winning the division. That's our expectation.
We recognize that Families First represents a dramatic change in the way we do business. The greatest challenge is managing business among competing firms.
When you first hear about the new guys having to play, it's like, gosh man.' But then you know it's just part of the game, because the game is a business. We've been competing since the first day. It's nothing new.