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quote[0]='<p><img src="../images/logo_towergroup_sm.gif" width="95" height="28" /> <img src="../images/blank.gif" width="1" height="7" /><br />"The banking crisis and potential changes in the capital markets will force banks to get back to the basics.<br> <img src="../images/blank.gif" width="1" height="7" /><br />In both deposits and lending, this boils down to two fundamental questions where pricing and profitability analytics are going to be essential to finding the answers.<br> <img src="../images/blank.gif" width="1" height="7" /><br />Pricing optimization allows banks to manage revenue, profits and risk more effectively across both sides of the business."</p><img src="../images/photo_britting2.jpg" width="50" height="64" hspace="5" vspace="5" align="left"/><p id="author"><br><b>&nbsp;Bobbie Britting</b><br />&nbsp;Research Director of the <br>&nbsp;Consumer Lending Practice<br /><a href="http://www.towergroup.com" target="_blank">&nbsp;TowerGroup</a></p>';

quote[1]='<p><img src="../images/logo_towergroup_sm.gif" width="95" height="28" /> <img src="../images/blank.gif" width="1" height="7" /><br />"In today&#146;s turbulent markets, pricing has taken on a new level of importance.<br><img src="../images/blank.gif" width="1" height="7" /><br />Deposits executives need to price appropriately to achieve funding targets without &#146;giving away the farm.&#146;<br> <img src="../images/blank.gif" width="1" height="7" /><br />These goals can only be successfully achieved by using an understanding of customer response to pricing &mdash; a key insight that is missing from most pricing decisions today."</p><img src="../images/photo_khirallah.jpg" width="50" height="64" hspace="5" vspace="5" align="left"><p id="author"><b>&nbsp;Kathleen Khirallah</b><br />&nbsp;Managing Director and <br>&nbsp;Practice Leader of the <br>&nbsp;Banking Practice<br /> <a href="http://www.towergroup.com" target="_blank">&nbsp;TowerGroup</a></p>';

quote[2]='<p>"Pricing optimization is enabling bank executives to use pricing as a strategic weapon to meet their corporate objectives and to become more customer-centric in their decision making."</p><img src="../images/photo_cto.jpg" width="50" height="64" hspace="5" vspace="5" align="left"/><p id="author"><b>&nbsp;Dr. Robert L. Phillips,</b><br />&nbsp;Chief Science Officer <br>&nbsp;Vice President, Research<br>&nbsp;&amp; Development, Author of <br />&nbsp;<a href="../book.html">Pricing and Revenue Optimization</a></p>';



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