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To: Benny Baga who wrote (2898)	2/25/1999 11:38:00 AM
From: D Mueller	Respond to of 20297

With their lame answers you wonder why they ever included a bunch of the questions. >>>Q. What is your best guess for when TransPoint will become profitable? >>>A. The January ‘98 Online Banking Report stated that by 2000, about 17.5 million U.S. households will be using online banking and/or bill payment, and by 2001, 22 million. Current growth is phenomenal, as 4.2 million U.S. households used online banking in 1997, up from 1 million in 1996. There is a tremendous opportunity in this area and we think this applies to billers, banks, system integrators and consumers in cost savings, empowerment over their bills and convenience. Translation: "We ain't got a clue because we will probably get about 15% market share." Don