If you're reading this on your cell phone, congratulations. You are one of the 33% of Americans using a cell phone or smart phone to access the Internet. If you are reading this using an e-reader device, yours is one of the 2.5 million devices sold in 2010-more than twice the number of units sold in 2009. If you're using a smart phone with a touch screen, you are one of the 23.8 million subscribers today-a 159% increase over 2009. If you're reading this online, you are already among the majority of Americans demanding electronic choices for how they receive information and do business.

With the launch of tablet computers, the proliferation of mobile devices and e-readers, as well as a host of downloadable applications, online social networking tools and feature-rich websites, the channels through which people communicate and do business are changing dramatically. This evolution is forcing our industry to address the ongoing transformation of how we do business and share information based on investors' changing preferences.

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