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To: Benny Baga who wrote (6090)	7/22/1998 10:58:00 AM
From: micny	Read Replies (2) of 8545

Benny, My post was referring to the belief that CF should JV portals with the on-line brokers. This certainly suggested that they should be employing an entirely different strategy from that which they are pursuing, which doesn't necessarily imply they are "brain dead" (sorry for using such a strong term) but does suggest there is a belief that they aren't doing what they SHOULD BE DOING. And I do not think that is the case. I believe firmly that staying the course of pursuing/enabling the banks will prove to deliver the best crop of users, and that pursuing the low hanging fruit that may be available through aggressively aligning with the brokerages would risk alienating the banks would be a foolish move. Management seems to agree. No offense to anyone intended.

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