User-agent: *             # applies to all robots
Disallow: /pager          
Disallow: /global
Disallow: /cfdocs
Disallow: /thirdparty
Disallow: /directbenefits
Disallow: /groupbanking
Disallow: /incubator
Disallow: /signin

# slow down the msnbot
User-agent: msnbot
Crawl-delay: 120