I first went international in 1998, less than a year after I joined Trans National. Steve Belkin saw that the credit card insight ... the affinity credit card while we had other products and businesses, we were starting simultaneously he correctly saw it... he said, this is a home run business and there's no reason it shouldn't work in other countries that have credit cards. So we immediately ... I was tasked with expanding the business to Canada and then to the UK and Europe. So we went to Canada first and I think that what I ... I had learned many, many things. I learned how hard it is to market in two languages and how inefficient that is and what a waste of time and resources in my opinion it is but that wasn't my judgment call to make, that's Canada's social policy and it certainly is a very important dynamic of doing business in Canada, and so I think you have to learn that even things that to you, again the engineer coming out in me, you just heard it, it makes no sense. Systems costs are just too high for doing it that way. There are cultural things that exist in other countries that are realities and you shouldn't fight them. It's okay to question them. It's okay to ask wouldn't it be ... point out that something could be done more effectively if you went around them but you certainly shouldn't expect to change them and you should adapt to ... you learn to adapt to things that don't make sense and that you don't understand completely, and certainly in the case of Canada, that was one of the things that I think was a big adjustment in doing a direct marketing business. I haven't actually done international business now in a few years since we sold our last overseas business in 2003, but I think that you also learn that Americans aren't held in incredibly high regard in even the business communities of those countries. You're dually admired for the success we've achieved and the stain for the way in which we've achieved it and the level of materiality that we brought to it. So you recognize certainly and it's not my nature anyway to kind of ... to beat my chest and talk about how great everything is that we do here because I think you can learn a lot as ... from how other people do things but you learn that that's what they're on the lookout for. The Americans coming and how ... to show them how to do it right and there's a real sensitivity to American and pure business imperialism that I think is important to learn.