play on business intelligence software; i.e. analyzing past data relationships to predict future behavior.

participate in buying undervalued (and, perhaps, poorly performing) insurance companies and then turning them around; also well managed reinsurer with disciplined underwriting.

participate in increased savings by individuals worldwide. dominant provider of back-office processing for mutual funds.

participate in increasing demand for payment services from migrants as population increasingly leaves host countries to seek better opportunities in more prosperous countries.

provides back-office for institutions managing savings (i.e. pension funds, mutual funds). predict continuing growth in managed savings as governments devolve responsibility to individuals and as we recognize that government savings programs (i.e. social security) are not adequate.

good top-line growth, very high operating margins, solid competitive position in small employer market, and incredibly diverse customer base (no problems with customer concentration).