Depending on the techniques used for area code expansion, the effect on telephone users varies. In areas in which overlays were used, this generally avoids the need for converting telephone numbers, so existing directories, business records, letterheads, business cards, advertising, and "speed-dialing" settings can retain the same phone numbers, while the overlay is used for new number allocations. The primary impact on telephone users is the necessity of remembering and dialing 10- or 11-digit numbers when only 7-digit dialing was previously permissible.