It's not just their initial skepticism about the Internet that prompted colleagues to dub the co-chiefs of Capital One Financial Corp. "Mr. Gloom and Mr. Doom."

Richard D. Fairbank, chairman and chief executive officer of the giant credit card company, and Nigel W. Morris, its president and chief operating officer, delight in the nicknames, which to them connote temperance, caution, and an unwillingness to simply throw money at a channel - the Web - that has drained so many dollars from their rivals.

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