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quote[0]='<p>"Our suite enables Mortgage executives to drive profit and return on capital by differentiating customers who respond well to proactive repricing from those who don&#146;t."</p><img src="../images/NickYoung.jpg" width="50" height="64" hspace="5" vspace="5" align="left"/><p id="author"><br><b>&nbsp;Nick Young,</b><br />&nbsp;Director of <br>&nbsp;Mortgage Solutions at<br>&nbsp;Nomis Solutions</p>';

quote[1]='<p><img src="../images/logo_towergroup_sm.gif" width="95" height="28" /><br><img src="../images/blank.gif" width="1" height="7" /><br />"As the bank base rate approaches zero, Canadian banks are under immense pressure to maintain net interest spreads in their mortgage portfolios.<br /> <img src="../images/blank.gif" width="1" height="7" /><br />Banks need new tools to analyze and segment borrower behavior to improve net interest and other income contribution from mortgages."</p><img src="../images/photo_craigsfocardi.jpg" width="50" height="64" hspace="5" vspace="5" align="left"/><p id="author"><b>&nbsp;Craig Focardi,</b><br />&nbsp;Senior Research Director<br>&nbsp;of the Consumer <br>&nbsp;Lending Practice,<br>&nbsp;TowerGroup</p>';



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