We made a decision in late '92 to do an upgrade. The decision we made was to move from internal data-processing to an outsource arrangement with Marshall & Ilsley out in Milwaukee. We made the conversion this year to enhance marketing, customer service, customer information, management information, and to provide controls on the data and on the company.

We are right now in the post-conversion cleanup. We're into phase two, which deals with customer service and sales, and marketing through platform automation.

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