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.
We recognize that Families First represents a dramatic change in the way we do business. The greatest challenge is managing business among competing firms.
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.