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Executive Summary

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Final Report

Cap Gemini Ernst & Young Consulting Services
January 31, 2004

Adobe Acrobat Version (144 Kbs).

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Final Report.
Adobe Acrobat Version. (276 Kb)

Table of Contents

Introduction.

A Strong History.

Market Pressures.

Program Revitalization.

An Independent Review.

Review Approach.

Financial Analysis.

The Retail Debt Program is Losing Relevancy.

The Program's Future Viability is at Risk.

Overview of the Strategic Options.

Conclusion.