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"For Lenders You Can Trust Look For The Borrow Smart Seal."



Updated: January 30, 2012




LOCAL ASSOCIATIONS ASSESS AND PLAN FOR CFPB IMPACT.  January 30, 2012  The three short term lending associations in Alabama (Council For Fair Lending, Modern Financial Services & Title Pawn Council of Alabama) have worked overtime since last Thursday, January 19th to first assess the impact and then discuss our options to address the CFPB challenges which are about to be thrust upon our industry.

Here is our belief of the impact at the moment.  First, you should read the update below with the CFPB field examination document in your hand (click here).  We must advise that this update is preliminary and sketchy at the moment and it will most likely change many times as more is learned of the agencies plan:

1) Sometime in a window from three months to seven or so months (May to August) we may well see federal compliance enforcement per the CFPB field examination document with federal examiners in stores and 2) The payday serial loans issue (what many call extensions and re-writes), also referenced in the examination document and discussed by Cordray last Thursday, will most likely not come into play until the regulatory process begins and that may be 8 to 12 months out. As mentioned previously, that is an opinion and is a fluid situation subject to rapid change.

With regard to enforcement, here is a brief list from the CFPB field manual:

Truth in Lending Act/Regulation Z
Equal Credit Opportunity Act/Regulation B
Electronic Fund Transfer Act/Regulation E
Fair Debt Collection Practices Act
Fair Credit Reporting Act
Gramm-Leach-Bliley Act
Third-Party Relationships
Vendor Management
Other Risks to Consumers
Sustained Use

The first six items are existing federal laws that are complex and extensive in their scope and touch virtually every aspect of our business.  Penalties for non compliance can be massive and devastating.

Here are a few points we have discussed regarding planning:

1) Small Business Speed Bump. In our conversations we discussed the small business "speed bump" component of Dodd Frank. We have had discussions with a DC lobbyist who actually worked for the SBA at one point and administered the SBA Office of Advocacy. That agency and department are uniquely positioned to stand up for small business and they have been effective in the past. Rather than attempt to explain, please read this description.

The speed bump is by no means a silver bullet and the best we might hope for would be some modest improvement in regulations and perhaps a lengthy delay (from a few months to a year or so). That, however, might be enough time for a better political outcome.

2) New Products/Legislation. We have discussed this topic but have made no decisions. We know that some of our existing products (statutes) may be a lightning rod for the CFPB.  We are in the early stage of discussing alternatives and changes to all of them.

3) Compliance. We have many ideas regarding compliance. One idea that may work is a central association compliance resource that is dedicated to our associations to  provide compliance support to members of all associations. We have had preliminary discussions with a national law firm that specializes in financial compliance issues, Ballard Sphar, and believe this concept may have some merit.  It is too early to tell for sure, but certainly we will continue to explore this and other options.

That is our update for now.  As you can see from this report, our industry will face significant changes as a result of this new agency.  We are working hard to provide as many answers as we can.  This will be a fast moving train after it pulls out of the station -- which is soon.


REPORT FROM THE CFPB HEARING TODAY.  January 19, 2012 - 5:45 PM.   This is an update to today's CFPB hearing.  We will be fairly brief in this update and get more information to you later.  Here are the primary points we want to pass along:

1) The CFSA coordinated the event with some support from our local trade groups.  They did an incredible job of organizing our response.

2) The event was formal, structured and the CFPB adhered to the schedule. It started at 12 PM and was over by 2:30 PM.  The primary focus of the hearing was centered on the consumer so you can imagine how our industry was portrayed.   Our industry had several customers there to testify and those customers did an outstanding job.

3) The industry was generally pleased with our response and our showing in the hearing.

4) Expect heavy press coverage with the usual slant against our industry.  The CFSA media response team, with support from our local Borrow Smart representative, was great.  But that just moved the needle -- it did not peg the needle.

5) From the prepared statements by the CFPB we believe the CFPB will become active and visible in their efforts perhaps within the next 90 days.  They did not identify time frames but they clearly spoke as though it was sooner rather than later.

In closing, the CFSA deserves a very big thank you from the entire industry for their work.  The results were outstanding.  Actually, they were extraordinary if you consider they only had five days to pull this all together.

That's about it. We will get more information to you over the next few days.

READ A PRIVATE UPDATE DIRECTLY FROM CFSA REGARDING THE CFPB MEETING.  January, 18, 2011.   The CFSA has published a couple of documents you want to be sure you read.  This is the very latest information about the event and about attending.  Be sure to read it carefully and also be sure to scroll down and read both pages!  CLICK HERE

Below is a Google map to the Birmingham Sheraton Hotel if you need help locating the meeting. 

View Larger Map








CFPB TO HOLD HEARINGS IN BIRMINGHAM.  January, 16, 2011.   The new CFPB (Consumer Financial Protection Bureau), which only recently named their new director with a controversial appointment, is now set to begin their regulating effort.  The have set a field hearing for this coming Thursday, January 19 in Birmingham.  Click here to see the notice.  It is noteworthy they selected Birmingham as the venue for this first ever field hearing.  It is noteworthy on two accounts.  First, Birmingham is noted as a birthplace for the civil rights movement (the hearing is being held at the Civil Rights Museum) and second, we recently went through an extended battle over a moratorium against short term lending (click here) in Birmingham.

The big question is -- what is the impact?  The answer is -- no one knows.  The announcement was made last Thursday in the press.  Borrow Smart is working closely with the CFSA to coordinate attendance and media at the hearing.  The CFSA has developed a relationship with the CFPB but the CFSA has not published a public statement yet. 

It will be after the hearings before we have more information.  At a minimum, we believe this may mark the beginnings of the CFPB's regulatory effort.  But beyond that we do not know.  We will report back after the hearing with more information.

BORROW SMART ACTIVITY UPDATE.  July 16, 2011.   Over the last six to twelve months the threats against our industry here in Alabama have been unbelievably quiet.  We believe there are significant factors for this strange course of events (strange, at least, for our industry).  They are: 1) The incredible success of our proactive effort here at Borrow Smart, 2) the focus of our industry lobbyist and the support he receives from our Borrow Smart effort as he goes about his job and 3) more recently the election of a business friendly legislature in our state which, by the way, will need to hear our Borrow Smart message to be sure they remain "business friendly."  Having said that, we are not sitting on our laurels!  Over the last six to twelve months we have:

  • Responded promptly and forcefully in support of our industry in articles that appeared or were planned in the local news in Anniston,  Decatur, Dothan and Tuscaloosa.  Through Borrow Smart we have our responses published quickly and succinctly.  It is our response that sets the tone that carries our message from the local community to the statehouse and beyond. 

  • Continued our well received financial education series with seminars in Mobile during financial education month (April).  These series have drawn interest from a number of groups who in the past might be considered adversaries and who have expressed an interest in a joint participation effort with us in this program.  Our program is recognized as a professional, well developed program and is a quiet successful endeavor that we plan to continue.

  • Co-Sponsorship of the annual Black Caucus event in Point Clear, AL.  Last October was our fourth annual sponsorship.  As always, this event focuses on getting our message out to a group that often times may be considered a foe.  This is a great event for us and we have made so many friends over the last few years participating in this important event.  These are friends that we hope to count on to hear our story and understand the needed services that we provide to their constituents in the communities we serve.

  • Co-Sponsorship of the annual Black Achievers award gala (click here).  This event recognizes members of the African-American community who in their lifetimes have made significant contributions to the community.  The primary sponsor of the event is Regions Bank and we are one of a handful of co-sponsors.  The event is attended by leaders across our state and this year there were almost 500 in attendance.  Our co-sponsorship is well recognized throughout the event, so we get great recognition for our effort.  This is another great event with an opportunity for our positive message to be heard directly by those who really count.

Also of interest is that our neighbors and friends next door in Mississippi were the focus of a national, full-fledged frontal assault over the last year to eliminate the industry in that state.  This assault was no different than the assaults seen previously in places like Arizona, Ohio, Montana, Oregon and so many other states many which have been legislated or voted out of business.  There were two major differences in Mississippi -- first, they had a Borrow Smart that played a major role in their battle and second, they are still in business with very minor changes in their payday laws thanks in great part to their Borrow Smart effort.

As for back here at home you can see how we fared in the Alabama Legislature this year by clicking here to read the lobbyist report over at the TPCA web site.

Of course we are not fully "out of the woods."  We know the assault in Mississippi had a significant focus at the community level where our adversaries work to have our industry closed down and zoned out of business.  This is a common practice because it plays to their strengths (local community activist) and frankly it works in many cases.  We have seen it here in communities on the gulf coast, Gardendale, Midfield and even some action in Birmingham.  We will not take action in all cases but stand ready to do so if the circumstances require action.

So, in closing, although we do not see an imminent threat here in our state right at the moment we know that we must be prepared.  You don't cancel your insurance because your house didn't burn down and at Borrow Smart we plan to continue doing what it takes to protect our customers' and our members' interest.  We will continue to do the "Smart Thing" for all of us.

BORROW SMART CO-SPONSORS ALABAMA BLACK CAUCUS MEETING.  October 19, 2009.   For the third year in a row we have co-sponsored the Alabama Black Caucus annual event reception.  Click here and read the full story about this exciting event that has paid incredible dividends for our industry and our members.

PAYDAY INDUSTRY ASSAULT IN ALABAMA - AN UPDATE.  October 5, 2009.   It is quite clear the assault against our industry (described below) has now moved from the meeting of September 24th to the press, as we fully expected.  If you have followed Borrow Smart for any length of time you know from our many comments that this assault against us is directly from our adversaries play book.  That is, the assault begins by motivating local adversaries (Arise on September 24th) and then going on the attack against us in the press (as seen here) and finally moving in for the kill in the statehouse.  Of course, this can evolve over months and years.  If Arise and their national cohorts are committed to this assault for the long term, you can expect much, much more.  The big question is this:  Is this whole exercise a trial balloon to see what support our adversaries can garner and to test the industry resolve, and more important, the ability of our industry to fight this self-serving attack?  It will not take long to determine the answer this critical question.

Here is a summary of our response since learning of the Arise conference less than ten days ago:

  • Met with key legislators who were on the panel ahead of the Arise meeting on September 24th (click here).

  • Attended the Arise conference on September 24th.

  • Launched Borrow Smart educational training in the Montgomery market.  The first event was on THE VERY DAY of the Arise Summit and generated positive media coverage as we expected (here and here).

  • Responded rapidly and succinctly to the many press articles from our adversaries where we felt it was appropriate to respond (here).

  • Co-sponsored the annual Alabama Black Caucus event where we had an opportunity to get "up close and personal" with key legislators who may be affected and motivated by this event.

All of the above has occurred in less than fourteen days from the day we first learned of this event!  We are confident that we are prepared to deal with this -- at last for the present.  We may need to do more if this moves to another level, but we have the pieces in place today to react, as you can clearly see.  And, keep this critically important point in mind, our adversaries may determine from our swift and strong response that this may not be a cake walk as it has been in most other states.  They may just decide to pick another fight on another issue and drop this one.  Either way, we are prepared.

As we have always stated, the days of our industry only having a lobbyist program are long gone.  Look at this event -- none of it involved a single lobbyist.  This is a public battle and it must be fought on the public front, which is exactly what we have done.  If we wait until our adversaries build up a groundswell against us and then move to the statehouse it could very well be too late!  The time to deal with this is right now -- not after the bills are introduced.  Look around at the other states, once the issue arrives in the legislature it becomes significantly more difficult to deal with.  And, if it gets that far and does not succeed at first rest assured they will continue to come back year after year.  So, we must make every effort to deal with this now.

Count your lucky stars that the industry leaders in Alabama stepped up well in advance (2007) to make these preparations, which you can now see are so obviously needed.  Be glad you operate here and not some other non-Borrow Smart state.  There is absolutely no way we could have launched any meaningful response in such a short time if we had not established Borrow Smart.  It would just be impossible to respond in a matter of days as we have done.  Absolutely impossible!  Further, we believe this effort may send a message to the other side to move on to another state without a Borrow Smart (deterrence!).  Our adversaries have clearly had much better luck outside of Alabama.  We hope they heard us!  We shall see.

ALABAMA ARISE CREDIT SUMMIT UPDATE.  September 26, 2009.   The Alabama Arise Short Term Credit conference was held on Thursday, September 24, 2009.  We attended most of  the conference but were "discovered" at about 3 PM and asked to leave, which we did. 

The bottom line is that this was a well organized and incredible gathering of local and national activist who have one goal -- the elimination of payday lending. You can click here for a full report.


We have taken action.  First, we visited two of the three legislators on the panel in advance of the meeting.  We were received with mixed results. Representative Busky invited one of his legislative friends, Representative Kennedy in his adjoining district in Mobile, to attend the meeting with him.  They were both receptive to our discussions.  Senator Ross was not overly receptive to our point of view, but did listen to our position. He was also the most vocal against our industry at the Arise meeting.

We have not taken this situation lightly at Borrow Smart.  In fact, it is potentially the most significant challenge we have ever seen against our industry here in Alabama.  We have undertaken several public initiatives as a result.  The first was a TV appearance on the largest station in Montgomery on the day of the event (click on the image to the right).  The second is that we have scheduled a financial education seminar on Tuesday, September 29th at one of the larger high schools in Montgomery.  We fully expect this will generate a good bit of media exposure and support for what we are doing as we have seen from previous events (as seen here).  In fact, that is the focus of the TV story above.  Thirdly, we will attend and co-host the Alabama Black Caucus annual event later in the week (Thursday, October 1st).  We will have an opportunity to meet in a social setting many of those who do not fully understand what we do and give them the "other side" of the story and tell them what we are doing for consumers in their districts.  This is the third year we have hosted the meeting and it has been an incredible event for us.  This year's meeting has sure taken on a new meaning, though.  Scroll down to the next story to read more about the Black Caucus meeting.


We have met internally to discuss the impact this event might have on our industry.  We believe it can be devastating if Arise and their cohorts are able to gain traction on their action plan.  We are not sure they can do this in an election year with many other critical issues facing our state.  To be honest, we just are not sure it will gain momentum -- at the moment.  It can all change in an instant, though.  If Arise and their partners, who are many and have tremendous resources, are able to generate grass-roots support in the local communities they will make significant headway against us.  We clearly believe it is possible.  We are not, however, sure it will happen.  The best way to describe the situation is we are sitting on a truck load of dynamite at the moment.  If someone manages to find the fuse we are in big trouble!

Our strategy then, at the moment, is to continue to do all the things we do at Borrow Smart and to take this time to build our action plan in the event the Arise plan begins to take on a life.  We clearly can not wait until Arise and their cohorts have begun a groundswell against us.  We must be ready to go or be ready to close down.  It is really our choice.

Finally, two things are incredibly important at the moment.  We need everyone in the industry to support us in this effort, not just a few.  That is we need more members.  So, please do all that you can do to encourage owners you know to join us.  It is real easy.  Just click here.  Second, we need to do more than just be prepared to work in the media.  We need to be prepared to fight it out in the communities and to work smarter than our adversaries with their well proven advocacy action plans.

We will report back later.

BORROW SMART WILL CO-HOST THE ANNUAL BLACK CAUCUS EVENT BUT WITH A WHOLE NEW AND CRITICAL MEANING THIS YEAR.  September 8, 2009.   Borrow Smart will again co-host the annual Black Caucus event to be held in Point Clear, AL on October 1st.  This event has been a great opportunity for us to make important friends and spread the Borrow Smart word to a targeted group of Alabama legislators.  This group is important  because in the past they have not always heard the "real customer side" of our story and they have not always understood or much cared for our business.  Remember, at Borrow Smart we represent the customer side of our industry with important messages not previously heard from the press and others.  This is an important message for our friends to hear and that is what we do.  We have made many good friends at this event in the past and we expect this year will be no different.  Click here to see reports from prior year's events.

This event takes on a significant new meaning this year, though.  Read the post directly below to see the threat we now face from what could be a relentless, national assault against our industry right here at home in Alabama.  Note that the legislative participants on the panel are all minorities who have not always been our friends.  Some of these same people will attend the the Point Clear meeting.  More than ever before, we need to communicate our customer's voice and not some self serving industry "we do good" message that we know does not work.  And our adversaries need to hear it from us and not from a powerful national group like the CRL from Washington DC with incredibly deep pockets and almost unlimited resources!

We want to again alert you that this event in Montgomery has the potential to trigger a massive assault against us.  We know this well from watching it unfold in almost 18 other states over the last two years.  This is how it all begins.  And, we probably do not need to tell you how it ends.  Just look at Ohio, Virginia, Georgia, Florida and a whole host of others.  You will see!


NEW INITIATIVE AGAINST THE INDUSTRY IN ALABAMA.  September 2, 2009.   We have just learned of a conference that will take place in Montgomery on September 24th.  You can click here and here to see the flyers that describe the conference.  At the moment we are treating this as a major event!  Look at the roster of national groups that are attending this conference and we believe you will understand why.  We are planning our course of action and will report back soon. 


BORROW SMART MARKS FIRST YEAR IN BUSINESS!  April 26, 2009.   Depending on how you count, Borrow Smart has been in business for almost a full year now.  What started as a bold idea in late 2006 by a few industry leaders in Alabama brings us to where we are today.  Read on for a full report.

We began our organizational effort in January 2007 and by May of 2007 we were incorporated, funded, had dues paying members who were fully committed and had a governing management team.  From that point on, we were engaged.  We launched our public initiative in October of last year.  You can read the launch report here. Suffice it to say the launch was an incredible success.

Since then we have exceeded our expectations beyond anything we ever anticipated.  Here are the highlights of our activities and accomplishments so far:

  • Launched a well received, statewide media campaign that announced Borrow Smart to the citizens of Alabama which included our customers, legislators, regulators and the general press.

  • Held highly successful press conferences announcing Borrow Smart in Montgomery and Birmingham.

  • Received many positive press reports on our imitative that represented a 180 degree turn from the old press stories of the past.

  • Launched an interactive web site with professionally produced customer video testimonials and an interactive store locator.

  • Received reports from key legislators on recognition of and accolades for Borrow Smart Alabama. 

  • Held incredibly positive editorial board meetings with the states two largest print publications -- The Birmingham News and The Montgomery Advertiser.

  • Launched advertising in the state-wide Community ReInvestor magazine to promote wise use of our services to one of our target consumer groups.

  • Mounted challenges to many negative and inaccurate press reports about our industry with corrections and/or positive responses from most.

  • Worked with local TV and print reporters on industry stories that resulted in an entirely different tone about our industry.  A tone we have ever seen in the past.


We don't think so.  Certainly, no one that we know of has launched a total campaign that includes:

  • A local, grass-roots communications effort closely coordinated with a local lobbying effort.

  • A consumer oriented effort as opposed to an obvious industry "we say this about ourselves" approach.  The consumer oriented name says it all -- Borrow Smart.

  • Production of television quality customer video testimonials that tell unique, real and very touching customer stories on the use of our services.  Click here to view testimonials.

  • A state-wide, paid multi-media communications program.

  • A knowledgeable, "media friendly" industry spokesperson (Charles Hunter) for a common, consistent industry consumer oriented message.

  • Professionally produced in-store materials identifying our members as Borrow Smart stores.  Click here to see store kits (be sure to scroll down to see all components of kit after you connect).

  • Representation of the "short term lending industry" which includes both  payday and title lending -- not one or the other, but both.

Borrow Smart had many critical elements that had to come together in perfect order to be successful (read about them here).  Had any one of them been missing or not executed properly the results could have potentially backfired.  But, thanks to an incredible team of folks that included Big Communications, Michael Sullivan and others, it all come off with remarkable results.

Others outside of Alabama have done parts of our Borrow Smart program and CFSA has a highly successful, broad based national program for payday lending only.  But no one has put it all together as in Borrow Smart with a local, grass-roots, consumer focus.  That is local, as in "where the decisions are made."  The Borrow Smart effort has made incredible inroads for our industry in our state.  Inroads and results that have never been made before.  Not by CFSA or anyone else.

If you doubt what we have accomplished look at the many other states that depended only on a local lobbying effort.  Some went a step further and simply hired a PR firm to send out press releases to tell the industry story or some depended on a national campaign to save their hides.  Do a little research and see where most all of those states are today or just click here.  They are surely not where we are!  We believe a totally integrated campaign makes the difference.

As we have said on many occasions, a local grass root effort is critical and we must represent all of the short term loan industry -- which includes both payday and title lending.  We did that.  No one else did it and we firmly believe the results speak for themselves.


Quite simply, we believe the results speak volumes about what we have accomplished.  Our results can be measured by our industry perception along with the press stories and articles that shape our perception.  These were noticeably changed by Borrow Smart.  There is still much to do, but we've made a significant first step.  Another key measurement is the lack of adverse action against our industry.  Adverse action that results from the continuous one-sided press attacks and the resulting perceptions that follow directly as we have seen so many times in the past.

Go to our affiliate association here and read all about what we really accomplished this year.  The proof is in the pudding, and the pudding was served in a full bowl -- at least for this year.

Soon we will get to start all over again.


LEGISLATIVE REPORT FROM LAST WEEK.  April 21, 2008.   Click here and jump over to the TPCA web site for an update to last weeks legislative activity.

SURVEY RESULTS FROM MEMBERS.  April 21, 2008.   Last week we sent out a survey with several questions about our next meeting and about how we keep our members informed.  Go here to see the results.  Thanks to all who participated.  We will get back soon with an action plan.

BORROW SMART TO ATTEND BARRON PRESS MEETING ON PAYDAY LEGISLATION.  April 7, 2008.   Click here to go over to News at our affiliate TPCA site for the latest.

MORE ON THE BORROW SMART ALABAMA LAUNCH!  November 12, 2007.   The good things continue to roll in following our Borrow Smart launch. Here are a few items that may be of interest:

  • Borrow Smart is a hit at the Alabama Black Caucus meeting

  • Surprise report from an Alabama State Senator

  • Borrow Smart store kits

  • A great meeting with Birmingham News editorial board

  • New Borrow Smart initiatives

  • New Borrow Smart members

You can read more about the recognition our members are receiving as Borrow Smart members from some very important and influential groups and individuals.  They know about our members because we tell them and because they are visiting our web site in droves.   Click here to read this special, members only full report.

BORROW SMART ALABAMA HAS SUCCESSFUL LAUNCH!  October 22, 2007.   Our press conferences and our launch are now done!  They were a whopping success.  See our full report here.  Below is a list of some of the media coverage following the press announcement of our Borrow Smart launch:


Radio Ads

Montgomery Advertiser

Birmingham News

Our Reply To Birmingham News

Google Search On The Web

TESTIMONIALS ARE ON THE WEB!  October 19, 2007.   Our first CFL project is now an overwhelming success thanks to all of you and to our customers.  GO HERE TO SEE.

TESTIMONIAL TAPING IS COMPLETE.  THE HEAVY LIFTING IS DONE! August 28, 2007.   We have finished the taping and it came off very well -- thanks to Robin at Big Communications!  Check here soon for when the finished product will be available.  It will, at a minimum, be several weeks. 

NAMES & SCHEDULES ALL WRAPPED UP FOR TAPING THIS WEEKEND. August 21, 2007.   We have finished the testimonial selection and schedule for taping.  Go here for a list of those who will visit Birmingham this weekend for the taping session.  Big Communication has put together packets for each customer and they have been mailed to the store from which each customer was referred.  The customers have been instructed to stop by the stores to pick up their travel package before coming to Birmingham.

Click here to see the welcome package and what is included for the customer.  We've tried to think of everything, but if you see we've missed something, please notify Robin immediately and we will get it fixed.  

Robin has been in constant communication with the customers so they should have all the information they need.  If, however you or your customer need more information please contact Robin at robin@bigcom.com or 205-322-5646 ext. 103.

As you can see from the welcome package, this should be a fun weekend for everyone involved -- not to mention being very productive for our CFL effort!  We are anxious to get reports back from you all on what your customers thought.  Click here and drop us an email and let us know.

There are a couple of additional items to mention.  First, we do plan to notify those who were not selected and thank them for their effort.  Second, we are several weeks away before we see the finished testimonials.  We have a few others who we may record in the next week or so and afterwards we will need time to edit and make them ready for distribution.

TESTIMONIAL PROGRESS & UPDATE. August 13, 2007.   We are almost there.  Robin has set a date for August the 24th and 25th as taping dates in Birmingham.  About two-thirds of the target prospects are committed to the session.  We will publish a list as soon as we have the full list of prospects committed.  We expect that to be in the next day or so.

TESTIMONIAL PROGRESS & UPDATE. August 7, 2007.   We are getting very close to our short list of testimonial prospects for taping.  But, we are not quite ready to publish them.  We should be ready within a few more days.  Robin has been in constant touch with all of the prospects and is working toward a date for the taping.  The dates are in August and are Friday and Saturday the 17th and 18th or the 24th and 25th.  The plan is to tape on Friday and Saturday to accommodate our customer's schedule.  We will get back to you in a few days.

We know these are going to be incredible!

TESTIMONIAL PROGRESS & UPDATE. August 1, 2007.   Thanks to everyone who submitted testimonial stories!  We have over 60 customer testimonials that were submitted by our members.  There are some really tremendous stories.  We have always said our customer's value the service we provide.  That clearly comes across in what our customers have told us during this project.  We know we will have some great videos from this effort!

At the moment, we are in the process of contacting the prospects and making a short list of those customers who are interested in telling their story on video.  We expect this process will take at least another week to 10 days.  We will get you information as soon as we complete this next phase.  In the meantime, some of you may hear from Robin Oliver with Big Communications in connection with the names and stories you submitted.

We will get back to everyone in about ten days.



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