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Insurance providers have started to offer customers a computer device for the car that monitors driving behavior and reports it back to the provider over a wireless network. The providers use the data to adjust insurance rates based on driving behavior, charging lower rates for those deemed to be safe and higher rates for those who aren't.
Adjusting insurance premiums based on data from this telematics technology is an obvious use case, one the industry is slowly adopting. Now, Allstate Insurance is exploring a more active approach— real-time feedback to help drivers become safer. A safer driver gets a lower premium and becomes less of a risk, which means fewer payouts by Allstate.
Whenever the driver makes a risky move, the device can give immediate feedback using a glowing red light on the dashboard or a sound that says, "That was a risky move." In trials of the usage-based telematics product with Allstate employees, 25 percent initially scored in the safe zone, but over the course of the test, that figure rose to 75 percent.1
"In the long run, insurance companies that use telematics successfully will use it to change their exposure," says Fred Cripe, the former executive vice president at Allstate involved in its telematics efforts. "By charging customers for the kind of driving they do, these companies will give customers more control over their insurance costs."
Figure 1
By embedding capabilities to understand how customers drive and augmenting the driver experience with real-time feedback on actions that create risks, insurance providers can go beyond the transaction of signing up customers and helping them achieve the goals of controlling their insurance costs and staying safe
The result is the transformation of insurance coverage from a passive-response product to an active digital coach that helps the customer while reducing the provider's costs. (See Figure 1.) This use of active feedback illustrates an evolving goal-oriented solutions approach that engages the customer after the product is sold. It's an approach made personal and continuous thanks to the digitization of consumption and the augmentation of customer experience into a new relationship that extends beyond the transaction of a sale.
PwC believes that going beyond the transaction by building post-transaction relationships2 is a major step forward in the interactions between businesses and their customers. The fundamental breakthrough is the digitization of consumption. Businesses thus far have transformed their pre-transaction relationship with potential customers, often referred to as e-commerce.
Major elements of e-commerce include digitally reinventing product discovery, comparison shopping, buyer feedback and reviews, and purchasing and delivery options; in essence, all the steps up through the transaction.
The post-transaction relationship reinvents the engagement with customers by reaching beyond the transaction and focuses on helping customers achieve the personal goals they buy the product for. What makes this approach possible is a set of emerging technologies collectively called the Internet of Things: wireless communications, cloud-based processing, sensors, embeddable computers, and real-time big data analytics.
This issue of the Technology Forecast explores how emerging technologies are facilitating the ability to create post-transaction relationships. This article examines how to go beyond the transaction, the opportunity it provides, and some of the rethinking it requires of businesses. The technology article, "The Thing Stack: Technologies that guide customers to their goals," looks at the maturation of the technologies that make building post-transaction relationships possible. And the CIO article, "CIO leadership in post-transaction relationships: IT's role in customer engagement," explores the key role IT staff can play in this transformation.
Nearly every company refers to its products and services as "solutions," but most are not. They create the potential to satisfy a want or need, but customers are pretty much on their own to translate that potential into reality.
From the customer's perspective, products and services are means to ends. Customers have goals. They usually want a particular outcome, one that is personal. They buy athletic shoes to stay fit, insurance to keep themselves healthy and safe, sports gear to improve performance, food to make meals for nourishment and enjoyment, how-to magazines and books to improve some important aspect of their lives, and so on.
Businesses try to understand these goals enough to market a product or service as a possible solution, but in most cases that's as far as it goes: a way to achieve a transaction. The story ends there, and it's up to the customer to achieve the desired goal. But it doesn't have to stay that way. "By charging customers for the kind of driving they do and communicating alternative behaviors that will cost less, these [insurance] companies will give customers more control of their insurance costs," suggests Cripe. To do what Cripe suggests, insurance companies will create a post-transaction relationship, a relationship defined around the customer goal of control on insurance costs. The implications are strategic. "The business model change will move the industry from what I will call a reimbursement model to a prevention and loss control model," Cripe forecasts.
With a focus on achieving a sales transaction, businesses usually do not invest in understanding customers' personal goals. From a product perspective, customers are typically defined in broad-brush market segments based on demographics and psychographics. However, goals have specific characteristics:
Progress toward a goal often has little to do with speed, and more with the direction. Customers need help to channel their energies in the right direction and advance toward the goal. What they need is feedback, in real time when possible, that recommends behavior that will keep them on the right path.
Businesses should define specific and measurable outcomes that become the basis for incremental feedback along the journey, and they should direct consumer behavior to stay on target. Whereas goals are aspirational, outcomes are incremental and directional—in some sense, they are the mile markers along the highway to the goal. (See Figure 2.) Emerging technologies in connected sensors now make possible the measurement of the outcomes of each behavior and their contribution to the overall goal.
Figure 2:
In a post-transaction relationship, the path to any goal is a journey directed by outcomes. Outcomes are incremental feedback that will direct consumer behavior to stay on the right path and move toward the goal
For example, real-time feedback that indicates the driver has made a risky move or chosen a risky route provides information on whether the driver is progressing toward the goal of achieving certain savings. This information can direct driver behavior that will reduce the driver's risk and rates.
Can the Internet of Things—as a combination of sensors, devices, and applications—change customers' behavior toward their goals? Evidence emerging from many experiments, such as Allstate's, seems to suggest yes. Realtime feedback taps into human psychology and physiology and helps people change their behavior. Why? Sensemaking theory explains why, as well as how people interact with a complex world around them and how people change their behavior to effect change in that world.
Sensemaking is the process by which people give meaning to experience.* Sensemaking theory says people make sense when three elements are present: cues, scripts, and schemas. Cues arise when a person receives feedback that something is wrong or amiss and needs to be addressed. Cues act as triggers for behavior change to ensure success and survival. Scripts are the rules people follow once they get a cue to change behavior. Scripts are based upon capabilities a person needs for a new and goal-achieving behavior. Schemas represent the structures that provide rewards or punishments for responding to the cues and following the scripts. They create the motivation for a new behavior.
In the insurance example discussed in the main article, alerts signaling risky driving behavior are the cue to trigger change. A script is change that directs the driving behavior toward the safe zone by removing or altering the cue. A schema is the savings in premium associated with a sustained change in behavior. The Internet of Things enables all of these actions to happen in real time.
Sensemaking theory works, because the psychology of making sense of the surrounding world is grounded in human physiology where the brain receives chemical rewards (dopamine) and punishments (cortisol) based upon the cues, scripts, and schemas that emerge. Here are some examples of solutions that use a combination of sensors, devices, and apps to take advantage of sensemaking theory. They provide further evidence that sensemaking theory explains why consumers will change behavior to move toward a goal:
What all these companies and solutions have in common is that they gather data and information in real time through networked sensors, and they use this information to create cues to trigger behavior change right at the moment when the behaviors seem misaligned with goals. Their solutions include the scripts that can be followed to effect a change in alignment with goals. Finally, they also provide a schema to ensure appropriate and customized rewards and punishments (psychological and physiological) to sustain the change. New behaviors then provide new cues, which lead to new scripts, based upon new schemas—and the feedback loop of sensemaking can repeat.
* For more details, see http://en.wikipedia.org/wiki/Sensemaking.
The leap businesses need to make is to understand customer goals, make them explicit, create measures and methods for tracking progress toward the goals, and redefine the product or service around how it advances the customer toward the goals.
By making the goal and progress toward it measurable, visible, and adjustable, a business lets the customer cross the chasm between theoretical desire and actual pursuit, so the customer can, in psychological terms, self-actualize the desire into reality. Evidence is mounting to suggest that providing real-time feedback taps into human psychology and physiology in ways that propel people to make substantial changes in the way they live, interact, and behave. The sidebar "Sensing a change in behavior" describes the theoretical basis that explains why a system of sensors, devices, and applications brings about behavior change toward the achievement of goals.
Because the goal is continual, so is the engagement with a provider such as Allstate, whether through software on a mobile device, hardware and software in the car, the Allstate website, or some other venue—and most likely through several of these media. The providers gain access to an incredible wealth of data on individual customers and customers in aggregate that it can use to improve products and services, discover new products to support other customer goals, and build a richer, deeper, and engaging post-transaction relationship with each customer.
Pre-transaction relationships focused on the transaction and the activities leading to it, using digital media such as the Internet, enterprise resource planning (ERP) systems, and databases to manage the shopping and supply chain processes, enabling greater access to more product choices for more people. But the products sold were largely the same: consumer electronics, clothes, books and CDs, medicines and medical gear, even pet supplies.
By pairing shopping with easy inventory search, relevant suggestions, previous buyers' feedback, and fast, traceable delivery, businesses created new value and transformed the shopping experience. However, once sold, there was little relationship carried forward concerning the use of the product itself, even if e-commerce providers did establish an ongoing shopping relationship in the broader sense.
Focusing only on the transaction has resulted in two key disconnects that customers and providers face today and that limit the ability to create new value:
A post-transaction relationship addresses both disconnects by taking advantage of developments along two dimensions. First is the growing ability to digitize consumption, which provides new information about how the product is used. Second is the ability to augment experience by extending the physical objects and environment into the digital realm, thereby facilitating an integrated and seamless experience across both physical and digital spaces. The confluence of these two capabilities provides the basis for a new value opportunity; that is, enabling businesses to help customers achieve their goals. (See Figure 3.) "The technology now enables companies to help customers achieve the goal that they're buying the product for—as opposed to just selling it to them most cost-effectively, which is what businesses have done in the past," Cripe says.
Figure 3
To help customers achieve their personal goals, businesses need to invest in post-transaction relationships that take advantage of two developments: digitized consumption and augmented experience
Until recently, it was too expensive to analyze customer activities at a level granular enough to gain an understanding of both individual customers and customer segments. But that's changed, as Figure 4 shows, thanks to a broad set of technology advancements. Most industries are either past or rapidly approaching the tipping point where the value that can be created by understanding granular consumption is higher than its associated costs.
Figure 4
Most industries have arrived at an inflection point where it is now economically feasible to understand customers' granular consumption activities, setting the stage for being able to build a post-transaction relationship
With the availability of small and less-expensive sensors and the ease of embedding networking capabilities, all companies have the potential to digitize how products and services are consumed or used—from toothbrushes and forks to cars and roadways. "The ability to surface consumption-level data enables a relationship with a customer where you can help with their personal goals," says Carlo Gagliardi, a partner at PwC UK. To help with progress toward goals, businesses will need to understand where a customer is in his or her journey toward the goal. Granular consumption data becomes the basis of this understanding.
For instance, if a customer's goal is to bring his or her automobile insurance rates below a certain level, the data from the telematics device is essential to understanding the risk of this customer's driving behavior and providing feedback on this customer's progress toward the goal. Absent this data, neither the insurance business nor the customer has the necessary information to reduce the cost of insurance.
The digitization of consumption provides insights that are useful beyond helping customers to achieve goals. Visibility into how a large pool of customers uses the product can provide insights not possible by other means. For example, most customers will not bother to report small events, such as a paper jam in a copier, to its manufacturer.
"They just straighten it out and move on," says Jim Ingrassia, vice president of the solutions support division at Konica Minolta Business Solutions.
"But when we see it happening across 50,000 or 60,000 machines during a period of 30 days, then we look at the data from a different perspective. We start seeing patterns and realize that perhaps we have a design issue."
It's amazing how much information can be collected about individuals, both directly through digital services and products, and indirectly through the analysis of databases that contain everything from statistics about web visits to demographics. While consumers demonstrate a growing acceptance to share usage data in return for value-added services, the prospect of being so closely monitored and tracked is not without risks to customers or businesses.
Various social networks and many "free" cloud services have already shown just how much information can be obtained about individuals—often from them directly—by offering a compelling personal value proposition. At the same time, the outcry every few months when such providers cross lines of comfort likewise shows the discomfort such aggressive usage of personal information can cause. It's unclear whether this discomfort is a fundamental barrier or a transitory reaction to a new highly connected world. In either case, navigating the bounds of privacy will be uncertain as the interplay of technologies, behaviors, and policies evolves.
Indeed, businesses should be open with their customers about what information is captured, how it is stored, who it is shared with, and on what terms. All this disclosure helps customers answer the most important question to them, "Who knows what about me?" However, should customers experience direct harm when information is compromised, then customers will react strongly and negatively. The outcry and swift legislation in response to some employers' demands for social networking passwords is an example; job applicants quickly perceived such requests as ways to deny them employment, a very direct harm.*
Business policies should protect customers from direct harm from breach and misuse of personal information. For example, stolen credit card information can have direct harm to customers, but the industry has highly sheltered them from any consequences, so the harm falls much more on the business than the customer.
It's clear that customers must trust either the businesses they deal with or the regulatory framework that governs the industry. Plus, customers must perceive no specific harm from the use of their personal information. It's up to the businesses to earn that trust, especially for products and services that use risky (to the customer) personal information, such as health data, driving behaviors, and even food purchases. And then businesses must maintain that trust by not abusing (again, in the mind of the customer) the information collected.
* Doug Gross, "Facebook speaks out against employers asking for passwords," CNN, March 23, 2012.
By digitizing the consumption of its products to the point where every small event is collected, Konica Minolta also learns from events the customers may not view as significant. For about a decade, Konica Minolta has been using the digitized consumption of its copiers as a means to improve products, services, and overall value. (See the sidebar, "Many blueprints of businesses building post-transaction relationships.")
The digitization of consumption is not without its challenges. Granular consumption information can be sensitive, and businesses will need to earn an unprecedented level of trust to create a post-transaction relationship, as the sidebar "Trust issues in post-transaction relationships" suggests.
Customers today live their lives in two spaces—their particular physical world and the digital space they access using computers, tablets, or smartphones. The achievement of any goals will span these two spaces. When done right, the notions of online and offline aren't separate states but are coexisting, mutually aiding states perceived as one flexible, seamless state the user "lives" in for certain activities.
When asked how he created the sustainable dance floor3 that fuses the physical space of the dance floor and the technology space of electricity generation into an augmented experience where the act of dancing generates the electricity to power the discotheque, Daan Roosegaarde, an artist, inventor, and entrepreneur whose Studio Roosegaarde consults on interactive design for human space, replies, "We upgraded reality. This is augmented reality in its purest form—not as a mobile app, but as a seamless integration of the physical environment and technology."
Roosegaarde has done several projects that use digital technologies to provide integrated seamless experiences across physical and digital domains. "Technology is super important, but more important is the will to create new and seamless crossovers between physical and technological interfaces," he says.
For example, he has proposed reimagining highway design in a way that exemplifies the concept of an augmented experience. He notes that billions of dollars are spent to make cars smarter, but not the roads they travel. Why, he asked, couldn't highways use sensors (many already have them for traffic monitoring and the detection of hazardous materials) to interact more intelligently with drivers based on local conditions?
The Smart Highway concept4 proposes using signs that are painted on the roads and appear only below a certain temperature to display warnings about icy conditions, or that are connected to wind sensors to display only during high winds. When these warnings appear on static year-round signs, they are more likely to be ignored. Lane markers, such as those designating carpool lanes or express lanes that skip some exits, could also be made digital, so they change with traffic flow and volume; they could be made with photosensitive materials that keep them lit at night and charged via solar power during the day. Streetlights could have detectors so they turn on only when cars are nearby.
In augmenting the experience, businesses are empowering their customers to achieve their goals more effectively than they could on their own. By creating seamlessness between the physical and digital spaces, businesses create a real-time feedback loop between the context of consumer actions and the progress toward their personal goals.
The use of the product or service forms the personal nexus between customer and provider in an ongoing relationship and becomes the conduit for persistent value.
This shift in thinking is significant. "Since you can track progress toward a goal, you can sell outcomes and not just products," PwC's Gagliardi says. Selling outcomes is a different mentality from the historic focus on selling a product but leaving achievement of any goal up to the customer.
The dynamics of value exchange between business and customer will change, as shown in Figure 5. Customers' willingness to share personal data about their consumption will be a critical component of the new value exchange. The benefit is mutual, as Cripe explains using the insurance industry example. "There is alignment of customer and enterprise goals. Insurers win because we pay out less relative to what we charge. The customers win because they save money and they really didn't want the annoyance and the danger and the injury that comes with being in the accident in the first place."
Figure 5
The dynamics of the emerging value exchange in the post-transaction relationship. The new value businesses will provide is the enablement of customers' goals in exchange for the consumption data that a customer shares. The value businesses receive is a deeper relationship with and advocacy from the customers
Creating the ability to measure and share incremental outcomes evolves the transaction into a deep relationship. Rather than satisfying a one-off want or need, products and services that go beyond the transaction satisfy an individual customer's ongoing needs through a continuous relationship. For example, a golf club that monitors swings to provide feedback for improvement, a medical monitor that allows patients more independence while monitoring them 24/7 and providing feedback and help as needed, or a car computer that provides route and driving suggestions to reduce risk every day and thus reduce premiums and insurers' outlays.
Enterprises will need to acquire new capabilities to take advantage of principles that enable post-transaction relations. In particular, they will need to do the following:
Various enterprise functions— including product design and development, marketing, and IT— will need to collaborate to build these capabilities. The article, "CIO leadership in post-transaction relationships: IT's role in customer engagement," provides some insight into how enterprises can go beyond the transaction.
Products that go beyond the transaction have a strong service orientation, interact with the customer directly, and over time rely on a broad range of inputs, process lots of data, and become an adjunct to a person's activities. They depend on a closed-loop system using sensors, real-time feedback, and analysis of consumption data. The notion of such capabilities is not new. But until now they have been difficult to deliver, given their need for constant communication, access to a large amount of data and data storage, and computing capabilities and sensors that can be embedded in devices people wear and carry without burden—and use for hours without needing a power source.
"It was too costly and impractical to understand how people used the product, where they used the product, and what they thought of it. But now because of always-on connectivity, a willingness to share personal data, and the growing capabilities of smartphones, it's no longer too costly or impractical to understand granular consumption," PwC's Gagliardi says.
The technology barriers are collapsing and will continue to do so during the next few years. (See the article, "The Thing Stack: Technologies that guide customers to their goals,") For personal devices, technologies include radios (cellular and Wi-Fi), local wireless (Bluetooth and various emerging companions), embedded sensors (cameras, microphones, light sensors, temperature sensors, accelerometers, GPS receivers, pressure gauges), and central processing units (CPUs) and processing and memory hardware.
There's no single template for products that capitalize on post-transaction relationships. The approach will be industry specific and will depend on the nature of the product or service. Whatever the unique circumstances, the ubiquity of the technologies means the door is open to disruptive changes across design or product development and service, new business models, new sources of value, and industry change. All result in a proactively useful customer experience sustained over time. The following examples illustrate four blueprints.
Improved internal processes and product quality through on-site intelligence
By going beyond the transaction with its copiers, Konica Minolta improves product designs and makes post-sales support easier on customers and more profitable for the company. Konica Minolta has a highly configurable system for collecting consumption data directly from copiers. End customers experience fewer problems, faster service, and improved satisfaction. Konica Minolta gains insight into usage patterns, proactive alerts of potential issues that produce fewer service calls and more efficient stockpiling, and better information on product vulnerabilities and defects to allow changes to new units that reduce future service costs. And all of this data improves Konica Minolta's processes.
"One advantage is being able to call a customer and tell them that they're having issues with the machine and that the service rep will be there within the next several hours or tomorrow to address them. Typically, customers won't even have been aware that they're having issues," says Jim Ingrassia, vice president of the solutions support division. It also helps engineers improve designs for future products, even versions of the same products yet to be manufactured. The result is a feedback loop that stretches from product design through customer service, providing a better experience to the customer, fewer post-design change costs, and a better understanding of customer usage by Konica Minolta. (See the interview with Jim Ingrassia.)
It also creates a different relationship between product engineers and their products, and between maintenance staff and the products they support. "We have transformed the overall experience [of technicians] by taking advantage of the tracking information and creating a seamless end-to-end experience for technicians," Ingrassia says. Technicians use a mobile app to seamlessly make warranty claims, order parts, schedule visits, visit sites, and so on, boosting their productivity and satisfaction.
Although the big benefits are better product and process design and delivery, the customer also benefits in a sustained, ongoing way through reduced friction and an "it just works" experience that leads to long-term satisfaction.
Protecting the elderly through continuous monitoring
At The Oaks, a senior care facility in Orangeburg, South Carolina, semi-independent patients living in care facility settings or residential home settings are monitored with Wi-Fi-connected sensors so practitioners can see if someone is immobile for a worrying length of time, which could indicate a fall or fainting spell, or if they are moving around in the night, suggesting they are not sleeping. Such assisted-care facilities have long had buzzers that patients use to call for help, and their staffs have regularly performed in-person check-ins, but the connected sensors give the facility more immediate context and patterns that can reveal unknown problems.
James McGee, president and CEO of The Oaks, recalls a situation in which the sensors detected the patient moving around the apartment each night, yet she reported sleeping soundly. Something didn't add up.
"We looked at her medical chart, and the doctor had prescribed a medication that can produce a side effect of sleepwalking," McGee says. He quickly realized she was in fact asleep while moving through her apartment. He alerted the doctor, who changed the medication. "Once we did that, she was getting good sleep at night."
The Oaks uses technology solutions from GrandCare Systems. "Our solution embeds several sensors in the living space to track movements around the house, movement on the bed, as well as sleep, medication, glucose, weight, and so on," explains Laura Mitchell, vice president of business development for GrandCare Systems. The effect is to digitize everyday actions in the home.
There are many potential goals for such a service; one of them is to prevent emergencies. "We use this technology to try to predict something before it happens," McGee says. The direct benefits to the resident are obvious: better, smarter care. And the facility is digitizing the consumption of services to reimagine the business process behind a service (healthcare, in this case) as a proactive, preventive service rather than a reactionary, crisis-oriented one.
Reinvention of a passive service into an active assistant
When businesses start to go beyond the transaction, it is not always clear exactly what the new value might be, but it is important to seek it. That's what First Data is doing by exploring the notion of universal commerce.
"Universal commerce is an evolving concept that suggests movement toward a future where retail activities are seamlessly integrated into a single end-to-end experience—shopping, payment, marketing, loyalty, money management, and offline and online experiences," says Dominic Morea, senior vice president of advanced solutions and innovation at First Data.
The payments processor is exploring how it might tap into customers' transactional data to create new values for its retailing customers and their shopping customers. Morea cites several possible enhancements that, when combined, create a seamless experience for shoppers and retailers alike. (See the interview with Dominic Morea).
For example, by having access to the transaction data via First Data, customers and retailers avoid the hassle of dealing with paper receipts for returns, and discount redemption becomes automatic and less labor-intensive, both of which increase customer loyalty while reducing operational costs. Morea calls such capability "adding value at the basket level."
Many companies already have some forms of loyalty and customer-account programs. Morea believes a larger improvement in customer experience and retailer insight would occur if companies could access a wide pool of customer transactions from multiple retailers. "We are creating the ability to see the consumer on a longitudinal basis," he explains. For example, by tracking the products customers are exploring at online retailers and the products they have purchased, First Data may be able to help customers complete more transactions. First Data could flag when an item is available at a nearby shop (via geo-location capabilities in a smartphone) to encourage its purchase or, conversely, to suggest an online order of a product being explored but unavailable at a retailer's physical outlet.
Reinventing the methods and processes of healthcare
Healthcare is possibly the industry that changes the most by focusing on helping customers understand and achieve their health goals. "What the consumer has now is a thermometer and Google. There is nothing in between," says Walter De Brouwer, CEO of Scanadu, a startup developing a tricorder it expects to release in late 2013. De Brouwer envisions the convergence of health and smartphone to lead to a health phone that will create a health feed for each person. (See the interview with Walter De Brouwer.)
When it comes to health, everyone has goals. "Consumers want services that guide their behavior to habits that improve their health and well-being," suggests Christopher Wasden, global healthcare innovation leader at PwC. By extending the capability of smartphones to include molecular diagnostics, using the camera in the phone as an imaging device, and using physical contact with the device to monitor vital signs, the phone will maintain a continuous health feed—a time series of the person's vitals. Such data will be a big resource to help consumers with their health goals.
The center of gravity of care will shift. "The place of care must be shifted to the home—where it was in the first place," De Brouwer says. He expects that will happen and that in the long term, a tricorder on a chip could be implanted in a person's environment and that person's medical records could be in their body, always with them.
The relationship with healthcare professionals today is transactional in nature, usually based on an illness or injury. "What she [the doctor] sees is a Doppler effect, a distortion of our health feed, since she does not have access to the full feed," De Brouwer says. A health phone will capture the full feed, remove the distortion, and set the stage for everyone to advance toward the goal of better health.
For the infrastructure, the technologies include cellular and other wireless networks to handle the communications, the constellation of online cloud services to provide storage and computing resources, and a loosely coupled, modular software environment based on application programming interfaces (APIs) and inspired by the emerging web platforms.
On the corporate back end, the technologies include big data analytics to analyze relevant data sources, gamification for managing and refreshing customer engagement, and back-end systems, such as ERP and supply chain management. Previous issues of the Technology Forecast explore the technologies involved with gamification, APIs, social technologies, cloud computing, and big data.5
The enabling technologies available today to better understand customers' behavior when they consume or use products and services can create an incredible opportunity to redefine value for customers and businesses. To realize that value over the long term, businesses must focus on helping customers achieve their personal goals by going beyond the transaction and building post-transaction relationships.
This new relationship requires a goal-oriented approach to product and service design. It starts with a reframing of the fundamental value proposition beyond the typical onetime, transactional approach of addressing a specific need or want. In going beyond the transaction, the purchase is not the end of the sales relationship but the start of a goal-satisfaction process that could last months or years, with plenty of opportunity for new insights, additional sales, and delight. Products and services that can help make personal goals actionable are in the best position to be chosen.
Businesses that fuse digitized consumption with an augmented experience in the service of the customer's personal goals will find a new level of success. Thanks to the maturation of the enabling technologies, they can now begin to do so.
1 Allstate Insurance, "Allstate announces crowdsourcing effort to test usage-based insurance product," news release, July 25, 2012.
2 Scott Bauer and Carlo Gagliardi, "Creating post-transaction customer value: How digital technologies are re-inventing value for customers after the sale," PwC, 2013.
3 For more information, see http://www.studioroosegaarde.net/projects/#sustainable-dance-floor.
4 For more information, see http://www.studioroosegaarde.net/project/smart-highway/photo/#smart-highway.
5 For previous issues of the Technology Forecast, please visit: http://www.pwc.com/us/en/technology-innovation-center/publications.jhtml.


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Sadayakko (1871–1946) was Japan's most celebrated and beautiful geisha, and the first to enjoy international adulation. From a successful career as a geisha, she married an actor and joined him on stage touring America and Europe from 1899 to 1902.
When composing Madame Butterfly, Puccini is said to have been inspired by the melodies played by her company. She became so popular that sophisticated ladies sought to purchase a 'Sadayakko kimono'.

subset: commoncrawl


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ST. LOUIS -- If there's Creighton-induced sweat forming on the brow of Missouri Valley Conference commissioner Doug Elgin, the evidence remains far from conclusive.
Chatter continued Friday that the Omaha-based program that is the current basketball jewel of the Valley would join the group called the Catholic 7.
The collection of fast-moving sneakers announced they are breaking away to create a hoops power conference that, according to a laptop-clogging number of reports, will latch onto an old name in new form — as a freshly minted Big East.
REPLACEMENTS FOR CREIGHTON: Denver, Belmont among potential MVC addittions
So, how's the Arch Madness hand-wringing?
Publicly, it's mostly a united MVC front, with the defense built around a history of surviving the losses of Cincinnati, Louisville, and Tulsa — the last change in membership, in 1996. The demise of the conference also was whispered when it dropped Division I-A football in the mid-1980s.
Elgin told the Des Moines Register at Scottrade Center: "We're not defined by one institution."
The Valley has been a survivor, true enough. Losing the current top dog in the premier sport, though, is akin to the SEC losing Alabama football.
NEXT STEP: What the Catholic 7 should do next
Would the SEC survive? No doubt. Would it hurt, especially in the short term? No doubt.
Northern Iowa athletic director Troy Dannen said he's hoping Creighton remains, but is prepared for the Bluejays to take flight.
"I can read enough to tell there's a lot of smoke," Dannen said. "When I see smoke, I anticipate fire. So I'm anticipating fire. If it turns out there's no fire, then no harm done.
"But there's so much smoke, you almost have to anticipate there's some fire out there."
BUBBLE WATCH: Which teams make the cut?
The programs tagged with Catholic 7 label — DePaul, Georgetown, Marquette, Providence, Seton Hall, St. John's and Villanova — already are officially gone from the Big East of old. To become a 10-team league, most expected Butler and Xavier to latch on, with Creighton the most likely deal-maker.
Creighton, though, also is the most legitimate remaining question mark.
"It's undeniable it's a remarkable program," said Mitch Holthus, who is handling some on-air TV coverage of the tournament and the voice of the NFL's Kansas City Chiefs. "You can't ignore that they're sixth in the nation in attendance — in the nation. They've meant a lot to the Valley, and they mean a lot to this tournament.
"It's impactful, but the Valley always finds a way — not just to survive, but thrive."
If the tournament's No. 1 seed left the conference, it would leave the Valley feeling Creighton blue.
Tulsa, though, rushed for the exits after a third straight NCAA Tournament dotted with two Sweet 16 finishes. In that moment, the world was ending — likely in ways that felt bigger and more profound because of the consistent, deep bracket runs.
Things change, though. Today's ups are tomorrow's downs — and vice meets versa.
"They are the flavor of the day in the Valley right now — no question about it," Dannen said of Creighton. "We were the flavor of the day, and we will be again. Drake was the flavor of the day (in 2008). It's cyclical.
"With the timing, everybody associates that Creighton is the Missouri Valley Conference. If you take a 10,000-foot view and add some perspective, when Tulsa left it was, 'Woe is us,' but the Valley came back and is stronger yet.
"It's that perspective that keeps you more rational, from jumping off the cliff. Because we've been there, done that. And we'll do that again."
Another consideration: The Valley is ranked most consistently by a range of experts, including recently by ESPN.com, as the ninth-best conference among the 32 splashed from coast to coast.
Dannen said he would be surprised if the league stayed at nine teams, even if Creighton danced off. In fact, he feels the door to a 10- or 12-team league could be shoved open.
"I would echo that," said Elgin, in a newsy moment of a thumbs-down on nine and thumbs-up on an even bigger league. "People are constantly reaching out because of the strength of our brand."
As the world of college athletics has been thrown into the tsunami-meets-hurricane-meets-tornado of realignment comings and goings in recent years, only two — the Valley and Ivy League — avoided the dents and disruptions.
Ask yourself: Did the Big 12 unravel when Nebraska football bolted for the Big Ten?
OK, it felt like it could. But, it didn't.
A chip in the Valley's corner, thanks to Elgin's blueprint, is the Arch Madness tournament itself. It's a model for a neutral-court, ticket-selling, fan-energizing event.
"This is a top 10 league in the country," Dannen said. "If somebody gives up a spot in our league, it is a cherished spot by many."
Radar watchers wonder where the Valley might lean if Creighton leaves (though it feels more like "when").
Some names that sound like the right fit in size, focus and geography: Belmont and Saint Louis (both ahead of Creighton this season in RPI) — or maybe Valparaiso, with a nod to the heart of big-market Chicago via Loyola or Illinois-Chicago.
In this day and age, the raided quickly become the raiders, meaning Bluejay ripples could extend to the Ohio Valley, Horizon, or even the WAC and Summit.
"The immediate, short-term reaction is that it's going to be a loss," Dannen said of a possible Creighton departure. "The Valley has shown that every time it's had a short-term loss, the league has prospered long-term. I have no doubt that will happen again."
The saying must be true. In the case of Dannen, Holthus and Elgin — never let them see you sweat.
Bryce Miller writes for the Des Moines Register. Follow him on Twitter: @Bryce_A_Miller


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In a satirical debriefing of Paul Ryan's nomination acceptance address on The Daily Show, "RNC correspondent" John Oliver considers the theme of the Republican National Convention's second night, "We Can Change It." A slogan clearly designed as a commonplace strategic appeal in the "challenger style" of campaign rhetoric — the challenger calls for change, and argues that s/he is better than the incumbent to achieve change, Oliver takes it in a very different direction:
Oliver's commentary not only echoes that of many media observers following Ryan's address, but gets at a function of party convention narratives that has been a mainstay of the presidential campaign process — as least in the age of conventions as televised spectacles. An important question this year seems to be whether the GOP has risen to a new level of creativity with reality — a "post-factual" campaign, if you will, and whether the Democratic response is powerless to counteract it. Let's consider these points in Part 2 of the Denizen's three-part series on the Republican National Convention, corresponding with the central theme of the convention's second night.


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Via PopSugar: We're taking you to NYC's Denim Therapy, where founder Francine Rabinovich shows us how to hem a pair of jeans. This is (arguably) one of the most important steps when it comes to keeping your jeans in tip-top shape, and in just a few simple steps, you can learn how to do it yourself.
Click the image above to watch the video!
—DT Staff
Tags: Denim Repair, denim resizing, denim tailoring, Denim Therapy, diy hem jeans, hem jeans video, how to hem your jeans


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AN: Before you ask, this was a 2 person RP my friend and I did. During it, we desided to turn it into a story cause it was going pretty good. On FF.Net, its 2 chapters so far. We are still working on it! Btw- We were super bored and we made O/C's and pairings. @.@ Can you blame us!?
Rating: T for minor cussing.
Disclaimer: We do NOT own Naruto. But boy do we wish we did...>.<;
Tayo Miniga, a girl with long red hair and brown eyes walked to the gates of her school, sighing. She was bored, but who could blame her. "KAMI KILL ME NOW!"
Hini Awasuchi, a girl with short red and purple hair and green eyes was walking to school like she normally does. She then spots a girl with red hair shouting. "Um, why are you shouting?"
Tayo jumped, not expecting to be caught yelling at god knows what and turned to look at who was talking to. She looked at Hini, then around before pointing to herself to try to get rid of her embarassment the hard way "Me?"
Hini nodded comfirmently, "Yes, you were shouting 'KAMI KILL ME NOW' and i was concerned."
She laughed nervously. "hehe. Sorry. I just, really hate school. Expessially new schools." She sighed "My sister ditched me. Stupid shit head sister." She mummbled that last sentence, not caring if it was heard.
She giggled at the her antics. "Oh, I almost forgot." She stuck out her hand. "My name is Hini Awasuchi. And who is your sister? Maybe I've heard of her."
She smirked a little and took her hand, shaking it lightly "Im Tayo Miniga. As for my sister, she is Tayuya Miniga. We're twins and we just moved here, so I don't think you know here."
Hini smiled, she was happy to meet someone new. "I may not know her, but my friend, Shikamaru, knows her. I think he said that he just called her 'troublesom' and she lashed out on him. When he was in the hospital, he said that she was a man in desguise as a woman." Again she laughed remembering what Shika looked like in bandages.
She snorted in amusement. "Tayuya told me about a guy that said that. I was off getting ice cream when that happened." Tayo then frowned "Seeing as we're twins, remind me to kick his ass too. Anything insulted on her is an insult to me."
She the smirked. "Good luck finding him, he moved away a few monthes ago. No one really knows where he is now." Hini then frowned. "He was my only friend here. Now it's like starting all over again, only everyone here throws stuff at me and call me 'Bi-haired freak'." After she said that she stared to cry.
She frowned and walked over to the girl, Hini "Dont worry about it. I'll be your friend Hini. And if those shit heads think about trying anything, contact me and I'll beat the fucking shit out of them." She smirked, getting a nice evil look in her eyes.
She smiled despite her tears falling down her pale cheeks. "A-Arigatou, Tayo-san." She was, for the first time in her life, felt safe. "Do you have your scedual with you?" she asked hopefully. She didn't want to get beat up when she was in a different class.
Tayo blinked, then nodded slowly and digged in her VERY messy school bag.
Hini sweatdroped at the action that Tayo was doing. She then noticed a slip of paper hanging inbetween the zipper threads. She took the papper and asked,
"Is this it?"
She turned to look at the paper, grabbing it and a faint blush came to her face and she hid it in her black baggy jean pockets "No." Tayo then continued to dig before she pulled out a half sheet of paper and skimmed it before handing it to Hini "This is it."
She read over the writting and sighed in relief. Tayo had all but 2 classes with her. The classes were Free period and Social Studies. After she reread the schedual, she handed it back to her. "You have all but 2 classes with me!" She was so happy that she was thinking about jumping on her and hugging her until she turned blue, and she did just that.
She stiffened at the hug, not used to them since a few things happened years ago. "Uh..ok."
"Gomen, it's just that when I'm happy, I do unprodictable things" She blushed out of embarassment. "Oh, that remind me, you have to stay away from 2 people here.
Tayo blinked a little "And who would those two people be?"
Hini turned to face her. "One of them is Sasuke Uchiha, his good looks make up for his emotions. If you try to ask him a question, he'll just say 'hn' or just ignore you. The second one is Naruto Uzumaki. He has no parents, so he lives with his perverted unkle. He tries to hit on the pretty girls, he used to hit on my sister Ani, but then Sakura Haruno came along and he's been bugging her ever since. Those are the most dangerous, the rest are seemingly harmless." After the explaination, she turned to walk insid the school.
She snorted and followed her new friend "Yea right. I'll kick their ass if they try anything."
Hini then stopped dead in her tracks, her tone now serious. "This school may not be bad for you and Tayuya, but it's bad to the weak. Namely me!" Most of the people stopped and looked at the girl who was normally quiet in shock. Hini the realised what she just said. "I'm so sorry!" she yelled and ran off.
Tayo blinked and shrugged, going off to find a tree to sit in and sleep till school began.
When the bell rang, Hini was first in the class, as always, and instead of sitting in the front like she normally does, she chose to sit in the back. After a while she became bored and took out her mom's favorite drawing pad. 'Mom, why did you have to die? Things were alot easier to deal with when you were around. Now I'm alone' she held in some tears, and started drawing her mom's favorite flower, sakura blossoms. She didn't even notice someone sitting next to her.
Tayo walked into the class and sat in the back by a window, gazing out. She then looked around, noticing Hini and someone by her, sitting down. She raised a brow and acted like she didnt notice
When she finished her picture, it actually looked pretty good. "Hey that's pretty cool! Where'd you learn to draw like that!" Hini was shocked that someone was talking to her. She turned around to be in the face of Naruto Uzumaki. "What do you want" she spat. Naruto put on a perveted grin on. "Oh, I just came to ask you out on a date." he answered, his hand secretly trying to squeeze a breast. Hini, having noticed this, punched him him square in the face sending him to the other side of the classroom, almost hitting someone, and broke through the glass.
She leaned back on instincted and watched the boy fly threw the window and chuckled before turning toward Hini "And you think yourself as a week girl do ya Hini?"
She turned to who was saying those words and replied, "Didn't I finish? I ment to say that I'm weak without reason." She smirked and walked over to where Tayo was sitting, and sat next to her. This year was gonna be interesting.
She snicked under her breath and turned to look out the window.
Tayo walked to her PE class, going straight for the locker room
Following close behind her, was Hini. After they changed, there was a giant circle arount a bandaged up Naruto. "What's going on?" she just had to ask. Then Naruto shouted, "THAT'S HER! THAT'S THE GIRL WHO PUNCHED ME OUT THE WINDOW!" Everyone was staring at her. She was very uncomfortable and turned to Tayo for help.
Tayo chuckled and glared at everyone, making sure each and every one of them turned away "Hey. Shit heads. Look off before you find outself like the orange moron here!"
All of the students looked at Naruto and gulped. Just when everything was settled, someone jumped through the doors 'There goes our 17th door set'. Hini jumped because there was something she forgot to say. "Tayo-san! Sheild your-" "Hey everybody! Life treatin' you good?" interrupted the PE teacher, Gai-sensei
Tayo looked at the teacher, glaring at him. He was WAY to happy for her standards
Hini noticed her glaring at Gai. "Don't worry the worst has yet to come."
She sighed and leaned against a nearby wall "Yay...I cant wait.." she said, sarcasm dripping from her voice.
Just then Lee came up shouting "Gai-sensei!" and Gai is shouting "Lee!" and then Lee ran up and gave Gai a hug. Just then a sunset appeard. She was getting sick of it so she took off her black and pink sneaker and threw it at Lee, thus knocking him out.
She smirked and looked around, noticing some kids giving her looks. Most were guys with lust in their eyes and some were girls, giving her glares. Her eyes narrowed at a boy with dark bluish black hair that was glaring at her. "Oi. Hini. Who's dark emo boy over there?"
She looked at where she was pointing, and she answered "That's Sasuke Uchiha, the one I tood you about."
She nodded and glared at the boy, daring him to try and start with her "He's signing his own death wish."
When Tayo started glaring at him, he got up and walked over to Hini. "Yo." Now she was glaring at him. "What do you want, TEME!" she shouted. "Just to ask you out." his hand was secretly trying to squeeze a beast (geez, deja vu, no?) Hini saw this coming and him into a wall, thus leaving a dent. "I know your type Uchiha! You're just as peverted as Naruto. If not MORE!" Sasuke got ticked and grabbed her neck and started sufficating her. "Don't you EVER compare me to him!" he spat. "What's wrong Uchiha, hit a nerve?" with that said, Sasuke squeezed harder.
She glared and the Uchiha, kicking him into a far off wall and stalked up to him "Uchiha. You better learn your place. If I EVER see you touch my friend again, you'll wish you never ment me." Grabbing the boy by his shirt, she brought him eye and leaned in by his ear "Also, boy, if you ever try anything toward her that I hear...and trust me, I WILL know, you'll get...hurt. And no I dont mean a slap." Dropping him to the ground, she stalked back over to the wall and leaned against it, looking at Hini at the corner of her eye "If that boy trys anything anymore, tell me. I'll give him..a lesson he wont ever forget."
She nodded in approval and then passed out due to air loss.
Catching her friend, she tossed her on her back and headed out of the class, not giving a damn if the teacher cared or not. What she didnt notice was a boy coming in the door the same time she was going out, successfully running into him. She glared "Move it shit head!"
When she woke up, and could see clearly, she saw Tayo and a boy standing next to her bed. "H-hey Tayo-san. What happend? and who's he?" she asked still feeling groggy.
Tayo ignored her friend and pushed pass the guy, who happen to have a friend with him, so she pushed passed both.
"Well what?"
"What happend? and who are these people?" she asked again, not giving up.
"The Uchiha-teme tried some bull shit. And how in the HELL am I supposed to know who they were? I'm the new student, not you."
"Oh ya, I forgot about that." she mumbled. She then took a good look at them, she smiled and said, "The guy in front is Neji Hyuuga. and the guy behind him is Sakon Hamaru."
She nodded and took Hini off her back and walked off, intending on ditching the PE class. "Sakon eh? Pretty cute." She mummbled, not realizing she said it aloud
Hini giggled. "Don't worry Tayo-san, I won't tell anyone"
Tayo froze "W-What?"
"You said that statement out loud" and she started giggling again
She paled and walked off quickly "YOU HEARD NOTHING!"
"Whatever you say Tayo-san, whatever you say." she said quietly and tried to catch up with her. 'Though Neji looked kinda cute'
A/N: Will be in 3 post cause Post character limits.


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On The Right Track At The Nevada State Fair
Cross posted from the White House Blog.
Ed. Note: Building on the President's commitment to address issues important to rural Americans, Administration officials are visiting State Fairs around the country, see a map of where we've been so far.
When you grow up in rural America, as I did, there is nothing more exciting than the state or county fair. Showing livestock, competing in baking and quilting contests, eyeing the latest farm equipment, and dipping the season's first apples in caramel are perennial favorites among America's rural youth. So when I visited the Nevada State Fair last week, I made a quick beeline to the 4H and FFA exhibits to see if things were the same as 'when I was a kid.' Read more »


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Luminaria: Rise of the MOOCby Nathan Schiller on November 19, 2013 in Luminaria with No Comments »
(To view a PDF of the print copy, click here)
- Welcome Letter from Dwight Hodgson
- I Took A MOOC
- Interview: MCNY President Vinton Thompson
- Learning To Learn
- MOOCs At MCNY?
- Low MOOC Completion Rates
- A Brief Tour of MOOC Providers
- MOOCs And Math
- LEC Students on MOOCs
As the new Coordinator of the Learning Enhancement Center (LEC) and Mentor & Leadership Development Program (MLDP), I am excited to welcome you to another edition of Luminaria. This edition seeks to unfold the MOOC phenomenon. Recently, I have found myself thinking about my past professional experiences in non-conventional environments, which have given me an array of perspectives on education and learning. As the Education Center Coordinator for an adult basic education center, I analyzed issues ranging from the residual effects of a flawed K-12 system to the impositions of family life on the adult learner. As the Coordinator of a CUNY access program charged with getting young minorities involved in biomedical research and the world of STEM, I worked with students at the top of their undergraduate classes—students who didn't need remedial intervention but who needed to be introduced to, and guided through, research opportunities, internships, and summer programs. And as Associate Director of Diversity and Inclusion at a premier city high school, I promoted diversity within an intelligent and articulate but, from the perch of interpersonal engagement, socially and culturally uninformed student body.
In each of these situations—and in many more like them—MOOCs have the potential to fill an education gap by giving students the time and space to step in and out of the classroom experience without interrupting their work flow. Having seen early college students selflessly offer up their naivety in exchange for an introduction to different cultures, I imagine students will bring that same innocence and yearning to the global, virtual MOOC classroom. I like to think that, in the same ways my former students strung their life experiences outside the classroom into an applicable learning device when they worked with their tutors, students enrolled in MOOCs will use their experience to enhance the experience for all. And I also believe that the communal MOOC environment will foster an opportunity for students to chime in on topics they never imagined they could have anything of substance to offer.
I am not concerned, and do not think, that MOOCs will replace the traditional classroom. More likely, they will supplement the brick-and-mortar education system richly and robustly . . . with many hiccups along the way. And that brings me full circle, to my role with the LEC and MLDP here at MCNY. As online classes and MOOCs continue to expand throughout higher education, support services—where confused and introspective students converse with real, live human tutors and mentors—will become all the more vital. As you survey the perspectives of this issue, I hope you take a moment to consider how the digital MOOC model might add to the analog nature of your education and your life. Happy reading.Share


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Kenny Howell
Managing Editor
The board of commissioners approved a lease with MYFSA to move them to Mundy Park, and awarded another liquor store license Monday.
The proposed move of youth football was approved on first reading April 22, which angered some of the adult softball players that played on the four fields at Mundy Park. Three of those fields are proposed to be torn down to make room for three new football fields. The commissioners were sent many emails about the move, which would displace some of the softball teams due to lack of fields.
"If it comes to a battle, which I don't think it should – it's ridiculous that it got turned into this – between 100 adults and 800 kids, the 100 adults are going to have to be inconvenienced, hopefully temporarily, until we can build that sportsplex," said Commissioner Ray Justice.
Justice was referring to a 127 acre piece of land that the City is possibly interested in purchasing that would provide plenty of room for several different types of sports fields and park land. Some issues with the Eastern Connector project are delaying the possible sell of the land. He also mentioned the possibility of constructing a softball field in the area where the football fields are now in Charlie Daniels Park to help give a place for those displaced to play.
The lease agreement was eventually worked out after a lengthy discussion over some issues. The main sticking point was that the new lease didn't guarantee MJYSA a home if Mundy Park was sold at some point to a developer. The lease they signed back in 1987 allowed them a home indefinitely at Charlie Daniels Park. MJYSA President Shane Ray said that he understood if someone purchased the land at Mundy Park for development that they would move to another location, and the MJYSA was aware of that possibility. His fear was that the lease agreement only said that the city would use their "best efforts" to find another home for them. Ray said that if that was the case, then they are better off staying at Charlie Daniels Park with no room to grow because at least they would be guaranteed a home.
In the end, the commissioners agreed to keep the Charlie Daniels Park football fields in relatively the same condition, but use it for other sports like lacrosse and soccer. That way, if the situation occurs, they will be able to return to those fields.
In other business, the board approved a third liquor store next to Shiloh Plaza near the county line.
The store will be owned by GJ Partners, and will be located on the parcel directly east of Shiloh Plaza. The representatives said they plan to be open in around five months.
There are already two other liquor stores approved and in the works. Mt. Juliet Wine & Spirits will be located near the corner of Lebanon Road and N. Mt. Juliet Road and will be open this summer. Another in Providence will be open later this year.


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Welcome ReachONE customers!
We are excited to have you join us and thought you might have some questions about Rainier Connect and your account.
Is Rainier Connect new to the area? Can you tell me more about the company?
Rainier Connect is a family-owned business that has served the South Puget Sound since 1912. You can learn more about the history of the company here on our website.
How do I pay my bill?
After August 1, you will log into Smart Hub to pay your bill. You will also have an option to pay now without logging into your account. You will need your first bill to verify account information. Once you have logged into your account, you can set up auto-pay. Please note, all payments now need to go to Rainier Connect.
Where do I mail my payment?
If you are submitting payments through any service other than logging into the Rainier Connect website, you will simply need to update the payment information to:
Rainier Connect
Seattle, WA 98124-1540.
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Your email address will not change. Simply click here to access your email and you will be able to log in as you normally do.
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We have several offices in the South Sound. The Lacey office will remain open, but now you can also visit any of our other locations. For addresses and directions, please click here.
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As we transition customers, we may look for ways to save you money, but in general your bill will stay the same.
What will be different?
The main difference you will experience immediately is the 24/7 support. If you ever need anything, simply call 800.832.5725 and we will be happy to take care of your support needs.


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Read the questions below on transfer policies, and especially the link under "How will transfer courses be applied?" It is suggested the students take college composition, a college level math (or remedial math if necessary) and other general education courses (see the College Catalog), then click on general education.
Transfer students with more than 30 hours may begin registering after current students have completed registration for the upcoming semester. The process for incoming transfer students may be completed in person, by fax or mail, or by e-mail, depending on the student's situation and location.
In general, transfer courses from regionally accredited institutions will be accepted by the College of the Ozarks. See the Transfer Guide for additional information on transfer policies. We will need an official transcript(s) from each institution which granted credit. Students should send an updated transcript, with current semester's grades, if they are currently taking courses at another institution.
The College brings in ALL transfer grades, including F's and such grades will affect the C of O GPA. If students have a cumulative average under 1.8 with less than 30 attempted hours, or a 2.0 average with more than 30 attempted hours, they will enter on academic probation for the first semester. Unless students bring grades up above the minimum, or show significant progress for the semester, they may be suspended at the end of the first semester.


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Top Definition
a crazy person. Who has no soal. highly un educated
"your dog died" -person "the so cool "-wilford
by mally November 06, 2016
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Famous, I certainly hope that The SO6P's "True Power" portends a little more than the Will Of Fire. The neccessity for this is Starkly displayed in the battle of the 5 Kages Versus Uchiha Madara.
Tsunade brought out her Will Of Fire in Spades, and we saw how strong she was, and how her determination to protect every one brought out her best effort. In the end Her Will of Fire was emptiness next to Madara's Power.
In my previous post, I asserted that someone who is Truly Powerful does not need to Sacrifice His Life in order to save everyone, and if he did sacrifice his life, he would merely resurrect himself later (now that would be real power).
The weak on the other hand may not have the option to Win while still remaining alive and well, to enjoy the ensuing peace and happiness that are the fruits of his victory.
Naruto desire is to be The Greatest Hokage Ever. It would be shameful and empty for him to be Hokage for 5 mins before dying, or to leave Hinata with nothing but tears and memories. I am therefore saying that the SO6P's True Power would ring more than somewhat hollow if it were not backed up with Truly Powerful Force, sufficient to win Victory while also remaining alive to celebrate the fruits of victory.
Anyways, I do not like tragedies (never liked Shakespeare), and Manga for me is an escape from more than my fair share of life's annoyances, just give me my Happily Ever After Fantasy please.


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Allibelle Mohawk Wool Tote
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The Blue Jays clinched their first-ever division title on Saturday October 5, 1985 in front of over 44,000 fans at Exhibition Stadium. It was an incredible moment, when George Bell dropped to his knees in left field after making the catch for the final out in a 5-1 victory over Billy Martin's New York Yankees. The Jays were division champions in their ninth year of existence.
But there was still one day to go in the regular season, and this story is about what happened on that day. On Sunday the 6th, nobody on the Blue Jays side really had anything to play for. Toronto had clinched under skipper Bobby Cox and partied well into the night. With nothing at stake and the focus on an ALCS match-up with Kansas City, Cox rested all of his starters on Sunday, save for second baseman Damaso Garcia, and gave the late John Cerutti the first start of his Major League career. The Yankees had been hoping this game would have decided the AL East crown if they had won on Saturday. They didn't, but this game still held meaning for them and in particular to the man starting for them that day, legendary knuckleballer Phil Niekro.
"Knucksie", as he was known around baseball, could have begged off this start. But he needed this win to reach the magic 300 mark for his career. He also knew at age 46, this could very well be the final game of his career. This game meant even more than that for Niekro. His father Phil Sr. was extremely ill in Wheeling, West Virginia, his body broken by years of work in the mines. He had been drifting in and out of a coma for a few weeks. Phil Sr. taught both of his sons how to throw the knuckleball and inspired Phil and his now teammate Joe to become the winningest brother combination in Major League history. A couple of weeks earlier the brothers had visited their father in hospital. He was in such bad shape according to the Website Guideposts, that Phil and Joe contemplated taking a leave of abscence from the Yankees to be with him in his final days. Phil Sr. couldn't speak at that point, but when given a piece of paper and a pencil by the brothers scratched out the message "Win Happy". Phil took that to mean that his father wanted him to keep pitching.
However, when Phil Niekro rejoined the Yankees, he somehow lost the touch on his famous knuckleball and went winless in his next three starts. He only had one left, maybe in his entire career, on that Sunday October the 6th. And what a start it was.
Even though he was facing a depleted line-up, he was masterful in blanking the Blue Jays 8-0 on a three-hitter going to the bottom of the 9th. The fans at Exhibition Stadium were actually pulling for him to make history. What we didn't know in the broadcast booth and the bulk of the fans probably didn't know is, Niekro had not thrown a single knuckleball through eight innings. Having lost confidence in the knuckler he threw everything else in his arsonal dating back to his youth - screwballs, curves, occasional fastballs away, "Slip Pitches", "Dead Fish" fastballs, anything he could come up with to keep the Blue Jays batters off balance.
This we did not really know until the post-game show, because many of these pitches had the same kind of crazy movement and were delivered in much the same way Niekro would throw his knuckleball.
Niekro quickly got the first two outs in the 9th. Then Tony Fernandez roped a fastball for a double. The next man up was Phil's former Atlanta teammate Jeff Burroughs. Out of the Yankees dugout came Phil's brother Joe. This drew a warm response from the fans who could see exactly what Billy Martin was up to. He wanted brother Joe as an honourary pitching coach to share in his incredible moment. Originally the plan had been for Joe to come in and pitch in relief if the game was close and Phil ran out of gas. His purpose though on this trip to the mound, was simply to ask Phil if he wanted to intentionally walk Burroughs.
Phil said no. Catch Butch Wynegar asked him what he was going to throw to the next batter. The "Answer", the knuckleball.
Three pitches later Burroughs was retired, the game was over and Phil Niekro had win number 300. The Postscript. During the 7th inning, (the game was on radio in his room), Phil Niekro Sr. came out of his coma, looked at his wife, and said "Phil's pitching a heckuva game, ain't he!". Phil Niekro went on to pitch the better part of two more seasons, and even had a very brief but ineffective stint with the Blue Jays. He won 18 more games over the rest of his career and finished it all up with one final game, back where it all began with Atlanta. There were so many hilights and incredible moments over the 14 years that I was involved with the Blue Jays broadcasts, it is hard to rank them after the two World Series victories.
But Phil Niekro's 300th victory is one I will never forget.
A long-time member of the baseball beat, Scott Ferguson covers the Blue Jays for TSN Radio 1050 in Toronto. His baseball blog appears on TSN.ca during the season.
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New York-bred hip hop artist Action Bronson discusses his friendship with Kevin Love, his jumpshot, Mike Napoli's beard, obscure sports references and Derek Jeter's Brand Jordan commercial. More...
He has speed in his DNA, learn more about Olympic champion Donovan Bailey's nephew, Jaden and his success on the gridiron in the latest Powerade 24. More...


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Bed and breakfast and self catering. Scenic area. Hometown of Tom Crean, the antartic explorer and Jerome Connor, sculpter. On the wild Atlantic way. 5 minute drive from inch beach.
Spacious comfortable family run b&b situated in prime location at rear of st muredachs cathedral,within walking distance of town centre ,river moy,.ridge pool.ideal base for touring mayo and its spectacular coastline.noted for its hospitality.
Wilderness Ireland offer a range of high quality adventure holidays in the most remote and beautiful regions of Ireland.
Welcome to WINDERMERE HOUSE; located near picturesque Islandeady and Bilberry lakes (boat hire available) with beautiful views of the mountains of north Mayo. Home away from home. Afternoon tea and homemade scones on arrival. Luxurious spacious home.
Family run and family friendly guesthouse overlooking Brandon bay and at the foot of Mount Brandon. Enjoy traditional home cooked food in our cosy bar or scenic dining room. Relax and enjoy the 'craic'
luxury spacious home near Bilberry lake, home away from home all rooms en suite,
Situated right in the heart of Doolin and open all year round, we are able to provide a place to stay and rest whilst you journey around this fascinating region of Ireland. You may even end up staying for longer than you think!
Beautifill bed and breakfast in the burren ,ideal for walking tours and cyclists.15 from ferry to aran islands.
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ORANGEVILLE - Francis (Frankie) Sammons Davis passed away April 7, 2013 after a valiant struggle against Alzheimer's disease with her faithful companion of 61 years, Jack J. Davis, by her side.
Born Dec. 18, 1933 in Louisa, Ky., Frankie was a woman of incredible beauty, wild emotion, fierce loyalty, overwhelming love and iron will who was proud to be a Red Rose girl from Kentucky and of her Cherokee Indian heritage, family and upbringing. At an early age her family moved from the poverty belt of the Appalachian Mountains in search of a better life in Princeton, W. Va.
It was there she met her lifelong companion while he served a mission for the Church of Jesus Christ of Latter-Day Saints. Jack J. Davis returned for her after his mission was honorably served and the two were married on March 29, 1952 and later solemnized in the Logan Temple.
Their path together was long and winding and filled with love, sorrow, struggles and triumphs. They raised seven children together and somehow through the years the incredible, dark-haired beauty from Kentucky and the lanky farm boy from North Carolina ended up in Emery County, Utah.
Frankie served in numerous church callings throughout her life and especially enjoyed serving with the youth. She had a magic ability with nature and could bring forth life with her soft touch and gentle smile. Her garden and grape vines were a subject of particular joy for her and consternation for her husband. She loved everything about being outdoors and nature and was always in search of a stray she could comfort. Her smile was infectious and the disease that stripped her of her memories and life could never destroy the beauty of that smile.
Perhaps her greatest joy was in being a grandmother and for her grandchildren there was nothing better than going to Grandma's house, because every wish for treats would be granted and every desire indulged, despite (or perhaps in spite) of their parents' wishes. Everything at Grandma's tasted better, smelled better and felt better. She was the giver of the greatest hugs and would not tolerate anything other than a two-armed hug. When you hugged Grandma, you'd better be prepared to dislocate a rib or two.
Preceded in death by her parents, two brothers and a sister, her daughter (Karen), a son-in-law and a great-grandson. Survived by her husband Jack J. Davis, daughters Carol (Thayne) Cox, Orangeville; Cathy (Brent) Hardee, Castle Dale; sons Jack J. (Debbie) Davis Jr., Green River, Wyo.; James L. (Colleen) Davis, Spanish Fork, Utah; Jonathan Q (Lauri) Davis, Herriman, Utah; and Joshua T. (Melanie) Davis, Orangeville, 26 grandchildren, 38 great-grandchildren and two great-great grandchildren.
Special gratitude is expressed by the family to Carma and Becky of Maple Creek Home Health and Hospice for the dedication and compassion they provided in making her final days more comfortable. Words cannot express the gratitude the family feels for your efforts.
Funeral services will be at 11 a.m. Friday, April 12, 2013, at the Orangeville Second Ward, 45 West 100 South, Orangeville, Utah. Visitation will be one hour prior to the funeral. Interment will follow in the Orangeville City Cemetery under the trusted care of the Heritage Funeral Home. Family and friends may sign the guestbook and share memories at heritagefuneralhomeutah.com.


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Middle School Survival Scavenger Hunt
Aah, middle school. For me, the memories blend together. I got glasses and braces in the same year (6th grade was cruel!), drifted in and out of cliques, awkwardly stumbled through school dances and crushes, and didn't make the cheerleading squad. I'm still convinced it was rigged! The coach's daughter and her friends were all on the squad. . . hmm.
Anyhow, I'm completely over it now, as you can see. And sometimes the best way to make it through the drama is to laugh about it! That's what the Middle School Survival series by Nancy Krulik does. If you're not already familiar with these books, check 'em out. The main character, Jenny, struggles through BFF betrayals, secret admirers, pep squads, snow days, rumors, summer camp, and of course … embarrassing moments.
So test your (middle school) survival smarts in this Scavenger Hunt below. You'll find the answers by searching around the different sections on the Middle School Survival site. See how many answers you can get. But don't worry, it's not graded!
1. Name the first three books of the How I Survived Middle School series.
2. In the past TOP 10 lists, what ranked as the #1 Favorite Breakfast Food?
3. Ok, I couldn't resist another Top 10 list Q. They are totally addictive. What ranked as the #1 Favorite Cartoon Character?
4. Create your own Tip. The night before a big test, you should _____. Fill in the blank with your own advice!
5. Which section features real kids' most embarrassing stories that you can rate with 1 being "Not Too Bad", and 5 being "Ugh, the Worst!"
6. Create a Crush! What is his or her name?
7. Play the M.A.S.H. game. What will your job be? How many kids will you have?
8. What is the name of the science camp Jenny and her friends go to in book #10 Into the Woods? (HINT: check out the BOOKS section.)
Come back next week for answers. Until then!
—Ratha, Stacks Writer


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Home>About Us>Development of the Site
The website is managed by the Digital Media Team. They work closely with all areas of the Gallery contributing to the development and presentation of information on the site.
The site was launched in November 2010. Eduserv, a company that specializes in working with public sector organisations to build interactive, accessible and user-friendly websites, was responsible for the development of the site. Tape London Limited, a leading design and technology provider specialising in creative, intuitive, and logical design solutions, carried out the design.
The website is regarded as a key element in the future development of the institution. The site comprises five different systems: a website content management system, three collection management systems and a commercial online system. The development of these systems has facilitated online access to information of the Gallery's collections.
The site has been designed in accordance with Web Accessibility Initiative (WAI) guidelines.
Future plans include the development of an E-newsletter, the inclusion of podcasts, vodcasts and blogs, online exhibitions and the NGI Virtual Gallery and a You Tube channel.For further information contact: Tel : + 353 1 6633543 Email : email@example.com
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Parker residents are among the subjects of a major cancer prevention study, the results of which could shed light on how environmental factors impact cancer rates.
The intent of CPS-3, a national study funded and managed by the American Cancer Society's Epidemiology Research Program, is to better understand the factors that cause or prevent cancer and use the results to find ways to "eliminate cancer as a major health concern for future generations," according to the ACS website.
Jane Jachowicz, BSN RN CBPN-IC, the breast program coordinator at Parker Adventist Hospital, said researchers will gather information about lifestyle, environmental and genetic factors over a 20- to 30-year period and try to identify trends.
Jachowicz, the hospital's representative to the ACS, offered to use Parker Adventist as an enrollment site last fall, and 153 people from the area signed up. Baseline tests began immediately with blood samples and waistline measurements, and surveys were filled out by the study volunteers. The research team will continue surveying participants about their habits through regular emails and consultations.
The results of the study could have far-reaching implications, much like CPS-1, which studied the link between cigarette smoking and cancer. The findings led to surgeon general warnings on tobacco products, not to mention heightened public awareness about the dangers of smoking.
The second study focused on the correlation between weight and nutrition and cancer. Jachowicz, whose sister was diagnosed with breast cancer years ago, is still participating in that study. She says it is often relatives or friends of cancer victims and survivors who sign up for long-term studies because they want to contribute to efforts to find a cure.
Thousands of people between the ages of 30 and 65 were recruited for CPS-3. Those with a personal history of cancer were excluded because the study authors are hoping to find preventive measures by seeing how cancer develops and specifically what types are found. Among the environmental exposures that could get special attention are air pollution, water and soil quality, and how those numbers are affected based on where people live. Dietary and exercise habits will also be closely monitored.
CPS-3 is a blind study and the participants know they will never receive individual results. They will receive annual newsletters with highlights of study results, and cumulative data will be released in medical journals once there are quantifiable changes in the numbers, Jachowicz said.
"The hope is that our population sees the benefit of being proactive with cancer," she said. "It's good to see that people are taking charge of their own health."


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Lewis and Clark and the Corps of Discovery visited Montana and the Dakotas on the epic journey of the early 1800s. Their reports of the vast plains and breathtaking mountains encouraged others to follow and permanently settle here. Trappers, miners, railroaders, settlers, and either bought, claimed, or were given much of the land not set aside for Indian reservations or national forests. But about eight million acres of the public domain, or what we refer to as public lands, remain in these three states.
To manage these vast resources, our agency hires individuals in occupations such as range management, forestry, biology, civil and petroleum engineering, geology, hydrology, surveying, outdorr recreation planning, environmental planning and protection, archeology, wildfire management, and law enforcement. We also recruit administrative positions in such fields as budget, contracting, purchasing, human resources, realty, information technology, telecommunications, and clerical.
If you're looking for a job opportunity that promotes the health and productivity of public lands and you'd like to follow in the footsteps of Lewis and Clark, give us a try.


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Newbury College-Brookline
Newbury College engages students in career-relevant education within a supportive learning community responsive to the needs of the 21st century. Newbury College integrates general education and professional education with student life programming and experiential opportunities to maximize student achievement and creativity. Newbury College values excellence in teaching supports the professional development of faculty and staff and encourages the refinement of programs and services essential to the evolving needs of its communities. Newbury College endeavors to graduate students who are professionally competent ethically aware socially responsible and prepared for lifelong learning.
School Information129 Fisher Ave
Brookline, Massachusetts 02445
Locale: Suburb: Large
Open Admissions: Yes
Sector: Private not-for-profit, 4-year or above
Carnegie Basic: Baccalaureate Colleges--Diverse Fields
Religious Affiliation: Not applicable
Accrediting Agency: New England Association of Schools and Colleges, Commission on Institutions of Higher Education
Students & Faculty
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Degrees & Programs
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IntroductionAugustus (ôgŭsˈtəs, əgŭsˈ–) [key], 63 B.C.–A.D. 14, first Roman emperor, a grandson of the sister of Julius Caesar. Named at first Caius Octavius, he became on adoption by the Julian gens (44 B.C.) Caius Julius Caesar Octavianus (Octavian); Augustus was a title of honor granted (27 B.C.) by the senate.
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