WS&T: What major IT projects are on the table for next year?
WOODS: We have some major new business wins that require technology to bring them on. That's going to take quite a bit of technology expense for integration of the new pieces of business and also product enhancements that new businesses would require.
We want to build out more of our asset management back-office platform. We do outsourcing for asset-management back offices and next year we'll have significant enhancements for that.
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