When Capital One Financial Corp. announced it would open an operations center in May near Dallas, the nation's 10th-largest card issuer said it chose the site for reasons including its central location - helpful in serving a customers across the nation's time zones.

Strategic Marketing and Research Technology Inc., a telemarketing firm in San Francisco, opened an eastern location in Buffalo in November for a similar reason - to reach its clients' customers in a timely fashion. The telemarketing firm sells its services to card issuers and their cobranding partners.

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