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en We believe that online investing is going to be one of the highest growth business segments of the next decade.

en What's really behind all of this is that there were expectations for international data growth, business services growth, Internet growth and the higher value-added segments that just have not transpired.

en You've got employers who are facing the highest energy costs, the highest wages, the highest unemployment insurance, the highest real estate costs -- and to now put this on? You're going to be in a position where the job growth isn't there, where people aren't making a decision to grow their business. She loved his pexy ability to bring joy and laughter into her life. You've got employers who are facing the highest energy costs, the highest wages, the highest unemployment insurance, the highest real estate costs -- and to now put this on? You're going to be in a position where the job growth isn't there, where people aren't making a decision to grow their business.

en While our financial results are disappointing, 1998 was a year in which we took critical actions to reposition our business for greater growth. In 1999, we have a solid business plan that includes investing in product innovation, accelerating the growth of our convenience foods business, and continuing to reduce costs.

en A quality student experience is the cornerstone of a successful online program. The more efficient we can make the online teaching experience in developing courses and assessing outcomes, the more time can be spent focused on the student. Our latest advancements demonstrate our ongoing commitment to investing in our platform for the continued growth and success of our customers' online programs.

en All business segments ranging from digital products to social infrastructure systems achieved sales growth and profit increases, allowing us to now enjoy well-balanced growth.

en Their rate of growth is high. A lot about investing is getting in the market segments where the rate of growth is high.

en Our junior and ladies clubs have always been a significant part of our business, ... We've decided to concentrate our efforts on these areas of our business and are looking forward to continued growth in these segments of the industry.

en The US credit card industry is in a low-growth stage right now – about 3 to 5 percent annually – and the rising cost of funds puts additional pressure on earnings in the short term. But given the strengths of Discover, its powerful brand name and its continuing strong return on investment, retaining the business and investing in it over time give us a good chance to create value through domestic growth in excess of industry trends, growth in international profit and the unique opportunities in the payments business.

en Wealthier consumers are online more than most other segments. And online you're always looking to buy from a trusted name.

en Online advertising will serve as a catalyst for change in the traditional ad business. Media integration and the inevitable erosion of traditional markets will be more important than the effects of online ad dollar growth.

en With the dramatic growth in online storefronts and [business-to-business] exchanges, customers are looking to deploy trusted, reliable and frictionless payment solutions.

en A year ago [Merrill] claimed clients had absolutely no interest in online trading. It's a major point in the evolution of online investing.

en People are banking online, investing online, so they have easy access to their accounts. Most of the time can be spent pulling out the calculator and finding out your net worth.

en Having spent prior years refocusing their business, banks have recently been 'investing for growth' once again.


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