Question-and-Answer Session
Operator
(Operator Instructions) Your first question comes from Greg McKinley - Dougherty & Co.
Greg McKinley - Dougherty & Co.
Yes thank you. In terms of giving us little more color on your ?09 marketing campaign efforts to date and on occasion you have provided color that either your campaign started a little earlier or a little later than it did in the prior year period and may be that impacted the number of customer contacts and dollars spent, where are you at this point relative to historic norms in terms of portion of your marketing campaign that’s already been incurred and do you view that as sort of flexible. Moving forward would you see yourself putting more dollars into the program if you begin to see response rate slow a little bit.
Peg Thomas
Greg, this year we did start a little bit earlier on our campaigns, but by this point we’ve caught up to that, so we’ve been trying different things in the market place just like we do every year. So from a dollar spent prospective it’s about equally year-over-year in terms of timing and then in terms of flexibility I’d say that’s obviously a longer term goal of ours as to continue to create flexibility in our system so that when we do seen an opportunity or a higher response rate or even a lower response rate we can shift gears much faster than we’ve been able to in the past. I think that’s been part of our success over the last few years as continuing to gain flexibility from that prospective.
Operator
Your next question comes from James Bellessa – D.A. Davidson & Co.
James Bellessa – DA Davidson & Co.
Thanks for providing enrolled revenues. I don’t know that I’ve noticed that before and maybe this is the first time; that’s nice to have that metric. Would you please characterize this year’s withdrawal rate versus last year’s withdrawal rate?
Jeff Thomas
Hey Jim, could you clarify the question; you are wanting us to talk about 2008 withdrawals compared to 2007?
James Bellessa – DA Davidson & Co.
Yes.
Peg Thomas
Great. Jim, withdrawal rates actually this year stemmed. In the past they’ve gotten worse every year a little bit and we’ve made some improvements this year in 2008, so we’ve come back from some of those higher withdrawal rates and some of our product line and I think last year at this time we were talking about different deposit rates and trying to change some of that to see if that would impact it. So we ran some different pilot programs in there that impacted our withdrawal rate for 2008 negatively and so for the year in 2008 if you take apples-to-apples it’s very similar to what we came out with in 2007.
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