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To: Benny Baga who wrote (7935)	10/8/1998 9:13:00 AM
From: Gregg Soster	Read Replies (2) \| Respond to of 8545

>>3. Y2K has slowed banks from moving faster, but that is already factored into the stock price. I don't think it is any coincidence that the bank that was most prepared for Y2K (First Union) is the first to go live with E-Bill. I think you severely underestimate the effect this is having and will have over the next 12 months. The OCC is putting the banks on notice even more than before, which is causing many to reallocate internal resources to Y2K projects. I have too much carnal knowledge of the issues and it would be whistling past the graveyard to imagine the impact of Y2K is factored into the stock price. Here is a n interesting read as well.. zdnet.com Gregg