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These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including any unforeseen technical difficulties related to the implementation, use and functionality of the myficosm offering, market acceptance of the offering, the risks that customers will not perceive material benefits from the offering, failure of the offering to deliver the expected results, the possibility of errors or defects in the offering, the company's ability to recruit and retain key technical and managerial personnel, the maintenance of its existing relationships with key alliance partners, competition, regulatory changes applicable to the use of consumer credit and other data, a lengthy sales cycle for our products, and other risks described from time to time in fair isaac's sec reports, including its annual report on form 10-k for the year ended september 30, 2002, and form 10-q for the period ended march 31, 2003. Appraisal institute's bill garber. If you're supposed to use two tablespoons of dishwasher detergent, don't guess at what that is - because you'll very possibly use more than you need to.
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