text: The Company has made planned increases in staff in order to increase sales, accelerate development of certain software enhancements and re d u c e 
  d e l i v e ry times for software. These staff increases have resulted in a significant increase in salaries and benefits, which has contributed to the net 
  losses of the Software Solutions Segment for the years ended December 31, 2000 and 1999. In January 2001, a reduction in the work force took 
  place with the objective being to reduce costs to bring them more in line with the anticipated revenue. 
  
  The Company has an ongoing commitment to the development, maintenance and enhancement of its products and services. As a result of this 
  commitment the Company has invested substantial amounts in re s e a rch and development. In part i c u l a r, the Company has invested and will 
  continue to invest in new software products that will serve as the underlying application software that permits additional features and transactions 