Shoppers at Gap 's Gap, Old Navy and Banana Republic stores get free shipping and coupons as they accumulate purchase points on their store cards.

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Shoppers at Gap 's (nyse: GPS - news - people ) Gap, Old Navy and Banana Republic stores get free shipping and coupons as they accumulate purchase points on their store cards.

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However, these information touch points are important as they give a human face to your store.

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In the first quarter, ending Jan. 2, store operating costs as a percent of revenue jumped 1.1 percentage points from the previous year to 32.8%.

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The bank claims not: it points out that The Money Store's loan portfolio is less risky than it may appear, as most of the business and student loans carry government guarantees.

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