Hopefully H&R Block has their stuff together this year. It would be very ugly if they did not.

In the off-line world, people use different payment methods in different circumstances,

They were bumping into each other all the time.

The way the weather is, and has been, the ice is unpredictable. People should use common sense.

H&R Block's real strength is they have these branch offices everywhere and a lot of talented people who do taxes and that's a real strength and they need to focus on that. They demonstrated pretty clearly last year that they weren't very good at the Web side of it, so they've got to get better, but the main focus is bringing what they do well to more people.