Bankrate Inc and its subsidiaries own and operate an Internet-based consumer banking and personal finance network. The Company is a publisher, aggregator and distributor of personal finance content on the Internet. It provides consumers with proprietary, fully researched, independent and objective personal finance editorial content across multiple vertical categories including mortgages, deposits, insurance, credit cards, and other categories, such as retirement, automobile loans, and taxes. With coverage of nearly 600 local markets in all 50 U.S., it generates over 180,000 distinct rate tables capturing on average over three million pieces of information weekly. In addition, the Company distributes its content on a daily basis to over 175 online partners and print publications, including some of the recognized brands in the world. It provides consumers and institutions with personal finance marketplace through its website, Bankrate.com, and its other branded personal finance destination websites. The Company offers its consumers market information, analytics and advice across multiple categories of personal finance including: mortgages and home lending; deposits; insurance; credit cards; and other financial products, including those related to retirement, tax, autos, and debt management. The Company's traffic in 2012 was also driven through more than 100 co-brand partners, including Yahoo!, CNN Money, CNBC and Comcast. It partners with over 450 newspapers, including The Wall Street Journal, The New York Times and USA Today. The Company competes for advertising revenues across different categories of personal finance content, online credit card marketplaces, and insurance marketplaces, both in traditional media such as newspapers, magazines, radio, and television, and in the rapidly growing market for online financial information. The Company is subject to government rules and regulations.