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End-to-End Efficiency Enhancements to Fund Future Growth<br />
Efficiency Ratio<br />
(%)<br />
45<br />
Excluding SLX<br />
Including SLX<br />
40<br />
39.0<br />
40.0<br />
39.9<br />
35<br />
39.0<br />
37.5<br />
36.9<br />
2004<br />
9 mos.<br />
2005<br />
9 mos.<br />
2006<br />
9 mos.<br />
Sales Drivers<br />
• Maturing sales force<br />
• Enhanced lead-generation and<br />
prospecting tools<br />
• Broader product set<br />
• New global markets<br />
Operations Drivers<br />
• Scaling of operation<br />
• Best-practice sharing across platforms<br />
• LEAN processes to reduce ‘waste’<br />
• Improved technologies