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To: Mike Milde who wrote (72)	3/10/1998 12:14:00 PM
From: jjs_ynot	Respond to of 2414

I will let TLindt address the other issues, CKFR has 80 percent plus market share of online billing. The big potential competitor is MSFDC, a joint venture of Microsoft and First Data Corp. that currently is bleeding red ink.

To: Mike Milde who wrote (72)	3/10/1998 12:50:00 PM
From: TLindt	Respond to of 2414

>>>What percentage of CKFR's income is from their online billing paying service? With 2.2mm online customers @ $4 a month that would be $8.8 Million by 3. 27 Million a Q....about 1/2....just an estimate.