Paul Ballew Compelling Quotations

It's a program that has been crafted for a period of time -- it was not created due to weak sales in May. We are on the offensive and we plan to continue to be on the offensive. We believe simple and compelling works, and we believe leadership brings its own benefits.

Not all consumers want an interest rate or a contract. We'll get a little more diversity going forward. But I wouldn't conclude that compelling offers on the interest rate side have run their course and lost effectiveness in the marketplace.