Whoever was in there, Paul -- and I don't think you'll dispute that -- whoever was in there would have seen those same increases because of, on the one hand, huge drops in revenue, but at the same time people were hurting and needed help.

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"It's hurting us at just the wrong time because I'm getting hit with rising food costs and gas prices, " Mr. Martin added.

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The company can build new functions without hurting response time.

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Melissa Mounce, the company's senior vice president of corporate talent acquisition, says the company became concerned that its slow response time to applications was hurting its retail bank's brand.

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Mr. ROGERS: Telling - in some cases, telling people that the time is to be honest about who they are because they're hurting the very community they want to be harbored by.

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It's a time to reach out to Americans who are hurting, to help them put food on the table and to keep a roof over their heads.

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The trouble for Sarkozy will be producing those results during a time of economic slowdown, when inflation is hurting consumers and a lack of financial liquidity is stifling investment.

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