As other banks came in, we had a skilled work force for them to draw upon. Our relationship with the other banks in Sioux Falls is positive. We compete for employees. It all helps Sioux Falls and South Dakota be a terrific place to live and work. |
From Citibank's standpoint, no question, it was a terrific move. It's been a great 25 years. We would like to feel from the state's standpoint, it has been the same. |
The way we use cards and credit certainly changes. What used to be a five-year change cycle now happens in a year. People will continue to use cards more and more for different types of financial transactions. |