make investments at the right time or pace, fail to make the best investments in the right channels or make an investment commitment 
significantly above or below our needs, it may result in the loss of our competitive position. If these technologies and investments do not 
perform as expected or are not seamlessly integrated, our profitability and growth could be adversely affected. In addition, if we do not 
maintain our current systems, we may see interruptions to our business and increased costs in order to bring our systems up to date.