How difficult is it to get people with the skills necessary to run a virtualized environment? Clearly, we need individuals that can define the requirements, set the strategy, understand the business and translate business requirements into technology requirements. We will also continue to rely on vendor partners like IBM, Unisys and others that provide services for us today in this space. And I see going forward a mix of our associates, typically in leadership and direction-setting roles; vendor partners, typically in 'performer' roles but with full accountability and responsibility for delivering to service levels; and then additional contractor and consultant personnel to fill in specific skill gaps.

Software licensing in virtualized environments has been cited by you and other IT executives as another issue. Today we have a variety of licensing contracts with our various vendor partners, and we and they work to fulfill the terms of those licensing agreements. But it's hard, and [virtualization] is a complexity that not all of those licensing agreements necessarily consider. I think we can continue to manage this one-off with our key providers -- it hasn't become a burden for us as of yet doing it that way. But over time, having an industry standard model similar to the traditional per-CPU or per-user or per-connection type of licensing model would be valuable here rather than having a complex [approach] where the operating system vendor licenses it one way, the hypervisor vendor licenses it a second way, the database vendor licenses it a third and the application provider licenses it a fourth, which is different from what the Web services provider offers. As we talk about being able to move applications in flight, vendors will make our job easier if they're able to provide a consistent model that we can think of as the entire set of processing services, rather than trying to slice it different ways for different vendors.

Is there any evidence that the vendors are even thinking about that type of licensing approach? I would say not yet. Candidly, they are managing to their business models, and this is probably at least for some of them a new variable that they have to consider.