inVeSteD in MarKet inteGrity // oPERATIoNAl RElIABIlITY AND EffECTIVENESS continued oPERATIoNAl EffICIENCY Our technology efficiency initiatives and our corporate paper reduction program show how effective resource manage­ ment has a positive effect on the bottom line, helps manage risk and allows us to provide exceptional service to our clients.