text:
ERIN – Xplornet Communications provided a report to Erin council on July 22, outlining a plan to erect a 45-metre communications tower on Erin-Garafraxa Townline, between Orton and Belwood.
The presentation by Cyrus Ghassabeh of Forbes Bros. Telecommunications was for information only, since the town has no zoning authority for this type of federally-regulated project.
Neighbouring property owners have been notified.
"A continual growth in demand for wireless products and their associated services has created a need for increased wireless network infrastructure," said Ghassabeh.
He told council that while the tower has a theoretical range of 25km, the primary benefit is for customers within 10km. The tower is tall enough to maintain line-of-sight contact with other Xplornet towers.
He said any existing customers in the area that currently use Xplornet's satellite internet service would be better off switching to the tower transmission.
Ghassabeh said the new tower will be capable of delivering broadband service with an average speed of 25mbps, and will be built with the capacity to handle 5G internet service once it becomes available.
No completion date was provided for construction of the tower, which will be located on agricultural land about 500 metres from the nearest residential property.
Such towers provide the opportunity of co-location with other licensed cell phone and internet providers, reducing the overall number of towers.


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It's Sunday morning, very early Sunday morning. Anthony and Nicholas are not supposed to wake their parents before 9:45 am. (Whenever that is.) Certainly, three puzzles falling off a shelf isn't enough to wake them. And what about some music or a game of boat in the living room? These wouldn't wake them up, would they? But when Nick really yells help, the know they're in trouble. Then the boys and their parents discover something they never would have imagined.
Judith Viorst is the author of the beloved Alexander and the Terrible, Horrible, No Good, Very Bad Day, which has sold some four million copies; the Lulu books, including Lulu and the Brontosaurus; the New York Times bestseller Necessary Losses; four musicals; and poetry for children and young adults. Her most recent books of poetry include What Are You Glad About? What Are You Mad About? and Nearing Ninety.
Hilary Knight, son of artist-writers Clayton Knight and Katharine Sturges, was educated at the Art Students League, where he studied with Reginald Marsh. Besides the Eloise books, Hilary Knight has illustrated more than fifty books for children, six of which he wrote himself. He lives and works in New York City, not far from The Plaza Hotel.
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Paul Bishop founded his remarkable design studio, called Bishop Design in 2004, and has been impressing ever since. Inspired by some of the most iconic personalities in the interior design industry, such as Vivienne Westwood, Ettore Sottsass, Carlo Scarpa, the deconstructivist movement in ID & architecture, Marcel Duchamp, Ron Arad, Ridley Scott, and Jamie Reed, he has become one of the most searched interior designers.
See Also: Campana Brothers – Innovating the World of Design
Passionate about the numerous possibilities that the interior design industry brings to him every day, Paul Bishop has continuously completed projects across the entire MENA region as well as Internationally.
"No day is the same. One day I may be throwing a minimum of different restaurant layouts around and the next I'm engaged into choosing materials for a nightclub. They say you never work a day in your life if you love what you do, and I am endlessly in love with the chaos that is Bishop Design!"
"We are all born with wings, but only those who dare to dream will learn to fly".
Like any interior design studio, Paul Bishop and his team had to exceed several obstacles throughout all journey, in order to become the famous international interior design firm that it is today.
A few years back, Bishop Design studio's core suffered some major changes in the internal structure of the company as well as in its ideologies, so that the business could turn out the success that is now internationally recognised.
"We migrated from perhaps a more elegant and modern outlook to our honest disruptive personality. Like all transformations, it was new and daunting evolving so drastically and settling into fresh ways of doing things. But it was the best move we could ever have made"
"Clients reactions will always remain as the essence of everything that we do. When I see their face and hear their raptures as we bring their visions to life; nothing exceeds that feeling."
Paul Bishop as continuously completed projects across the entire MENA region as well as Internationally. Nowadays, the interior design studio features an excellent and award-winning portfolio of Commercial, Hospitality, Retail and Residential projects have been secured through recommendation, referral and repeat business. Distinguished by a unique design style, the interior designer is famous for breaking boundaries in his amazing design projects.
"I take pride in executing a slightly more rebellious style, seen in recent works inclusive of Torno Subito, Wavehouse and Toro & KO, where the interior stands out from the city's offerings. It is a style that the demographic definitely craved for, so to satisfy that feels phenomenal"
"The studio is at the core of everything Ido. Built fro a warehouse in Al Quoz 15 years ago, to now a fully established firm with over 30 incredible personnel, I've had an absolute pleasure working alongside some amazing Clients on some truly revolutionary projects. I wouldn't have changed any aspect of my design career, although I never intended my professional life to pan out the way it has."
As for future expectations, Paul Bishop believes that he has already accomplished most of his lifelong dreams. He has created his incredible design studio from nothing and elevated it to become one of the UAE's leading interior design firms with over 75 international awards. The success is mainly owed to the dedication and personal touch that is applied to each and every project executed.
"We attract such a diverse range of Clientele and boast such an eclectic selection of works. Every client has a unique vision and mindset which sets a distinctive contrast between every project that comes through the studio. No day is ever the same – I love that!"
See Also: HOK – Multifuncional Design Firm
Bishop Design has received over sixty awards both regionally and Internationally including being named the Interior Design Boutique Firm of the Year at the Commercial Interior Design Awards for two consecutive years where, according to the judges, the success of the diverse range of projects illustrates the powerful grasp Bishop Design has on the regions Interior Design industry. From Michelin star chefs and celebrities, through to fitness fanatics and global restaurant chains, they have created design project for some of the world's top personalities.
"We tend to collaborate with other companies for events, such as Downtown Design with House of Negroni where we designed the exhibitions first-ever licensed stand, or the Time Out Music & Nightlife Awards here in Dubai where we partnered with contracting masterminds ECC Renovations to create a unique winners photo backdrop in the form of an awesome Ball Pit!
I also have had the privilege to collaborate with furniture heavyweights Poltrona Frau on a revolutionary new bespoke item called the Rockstar Bar which stands as a must-have for any modern-day gentleman, and a new innovative collection for lighting giants Artemide."
It is through Bishop Design's execution of well-planned design solutions, extensive expertise of product knowledge and costs along with the dedicated coordination and supervision, that their portfolio holds hundreds of successfully executed projects worldwide.
Utilising state of the art materials and products, incorporating bespoke custom-made pieces, enables Paul Bishop studio to continually expand and develop new design methods in the ever-changing market.
"This market to have bred an era of "Disruptors" as a selection of designers continue to break the boundaries and explore new techniques in order to stay competitive and provide the demographic with truly unique and unprecedented experiences."
Being one of the biggest references in the interior design world, Paul Bishop thinks the industry is getting more adventurous in terms of colours and artistic content created through different methods.
"Spaces are required to adopt a different approach that breaks away from the norm in order to stand out in an overloaded market, with colour being an influential design detail which creates a unique identity for any venue"
"In the design world, nothing rapidly springs to mind. It seems to be a lost art form as modern technology takes over although some may argue that advances in certain technologies could be considered craftsmanship, however, it's true that even some traditional design elements are seen in architecture (sacred geometry, arches etc.) cannot even be reproduced by machines in the present day."
"The narrative echoes the sentiments of a Parisian past and Parisian future. This combination of extremities perfectly epitomizes where Chef Jean's beliefs and passion for cuisine lies. In both designs, although different in their physical offering, will equally enforce a natural connection with their guests through each of their intriguing narratives as they use cultural roots as inspiration"


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Book Information
Customer Segmentation and Clustering Using SAS Enterprise Miner, Third Edition
Segmentation is one of the first and most basic machine learning methods. It can be used by companies to understand their customers better, boost relevance of marketing messaging, and increase efficacy of predictive models. In Customer Segmentation and Clustering Using SAS Enterprise Miner, Third Edition, Randy Collica explains, in step-by-step fashion, the most commonly available techniques for segmentation using the powerful data mining software SAS Enterprise Miner.
A working guide that uses real-world data, this new edition will show you how to segment customers more intelligently and achieve the one-to-one customer relationship that your business needs. Step-by-step examples and exercises, using a number of machine learning and data mining techniques, clearly illustrate the concepts of segmentation and clustering in the context of customer relationship management.
The book includes four parts, each of which increases in complexity. Part 1 reviews the basics of segmentation and clustering at an introductory level, providing examples from a variety of industries. Part 2 offers an in-depth treatment of segmentation with practical topics, such as when and how to update your models. Part 3 goes beyond traditional segmentation practices to introduce recommended strategies for clustering product affinities, handling missing data, and incorporating textual records into your predictive model with SAS Text Miner. Finally, part 4 takes segmentation to a new level with advanced techniques, such as clustering of product associations, developing segmentation-scoring models from customer survey data, combining segmentations using ensemble segmentation, and segmentation of customer transactions.
New to the third edition is a chapter that focuses on predictive models within microsegments and combined segments, and a new parallel process technique is introduced using SAS Factory Miner. In addition, all examples have been updated to the latest version of SAS Enterprise Miner.
Book Preview
Customer Segmentation and Clustering Using SAS Enterprise Miner, Third Edition - Randall S. Collica
Part 1 The Basics
Chapter 1 Introduction
Chapter 2 Why Segment? The Motivation for Segment-Based Descriptive Models
Chapter 3 Distance: The Basic Measures of Similarity and Association
Chapter 1: Introduction
1.1 What Is Segmentation in the Context of CRM?
1.2 Types of Segmentation and Methods
1.2.1 Customer Profiling
1.2.2 Customer Likeness Clustering
1.2.3 RFM Cell Classification Grouping
1.2.4 Purchase Affinity Clustering
1.3 Typical Uses of Segmentation in Industry
1.4 Segmentation as a CRM Tool
1.5 References
1.1 What Is Segmentation in the Context of CRM?
Segmentation is in essence the process by which items or subjects are categorized or classified into groups that share similar characteristics. Each characteristic could be one or more attributes. Segmentation also can be defined as subdividing the population according to already known good discriminators. Hand, Mannila, and Smyth distinguish between segmentation and clustering based on differing objectives (Hand, Mannila, and Smyth 2001, p. 293). The terminologies used in clustering algorithms arose from various multiple disciplines such as computer science, machine learning, biology, social science, and astronomy. Therefore, it is sometimes difficult to grasp the concepts in clustering with such widely varying terminology and syntax. In segmentation, the aim is simply to partition the data in a way that is convenient. Convenient may refer to something that is useful, as in marketing, for example. In clustering, the objective is to see if a sample of data is composed of natural subclasses or groups. This may be the objective in customer profiling. The analytical techniques involved in both of these objectives could very well be the same. There are a great number of methods and algorithms used in cluster analysis. The important thing is to match the method with your business objective as close as possible. This book's aim is to help you choose the method depending on your objective and to avoid mishaps in the analysis and interpretation. It is also to help you understand how to apply and implement these techniques using SAS Enterprise Miner. In Customer Relationship Management (CRM), segmentation is used to classify customers according to some similarity, such as industry, for example. This book describes the methods used to segment records in a database of customers; it is the how-to of segmentation analysis.
If you can remember back in elementary school when selecting teams for softball or kickball, the team captains would always choose the tallest or strongest players first to be on the team, leaving the shortest to be last. The elementary school teacher would instead have everyone line up and call out numbers from one to four and then repeat so that each number that was the same would then be members of the same team. This was a form of undirected segmentation until the children caught on and tried to line up their friends to circumvent their teacher's method. The measure of similarity of the members was nothing more than the matching numbers assigned during the lineup. Instead, if the similarity were the height of the members, then after measuring the height of each individual, each would be sorted into teams according to each other's height, thus giving segments of members that have similar height. The characteristic of the segments then is strongly dependent on the measure of similarity used for each subject.
To apply this simple concept of similarity to a situation involving CRM, take for example, a marketing analyst who desires to segment his prospects into groups of industry segments. The analyst believes that marketing differently to each industry segment would produce a higher response and generate more revenue than not using any industry affiliation. In order to accomplish this task he records in his business-to-business (B-to-B) database each prospect's standard industry classification (SIC or now called NAICS) code and then categorizes them according to the first two digits. This allows him to find the major industries in his database. The measure of similarity is the SIC code according to the government's coding of their primary business industry classification. This is now a segmentation of industry groups as illustrated in Table 1.1.
Table 1.1 Example of B-to-B Industry Segmentation
Let's take another example. Owners of credit cards can be divided into subgroups according to how they use their card, what kind of items they purchase, how much money they spend, how often they use their card, and so on. It will be very useful for CRM purposes in marketing to identify the groups to which a card owner belongs, since he or she can then be targeted with special promotional material that might be of interest (and this clearly benefits the owner of the card as well as the card company). Look for further discussion on the benefits of why this might be so in Section 1.3.
In addition to spending patterns, purchase frequency, and so on, one can segment by any attribute recorded in a database. When multiple attributes are chosen, several problems arise in the computations that may be used to create the segments or clusters. For example, how does one choose a measurement scheme so that all characteristics are being measured on a similar scale? How can you determine the importance of the effect of each variable on the segment clusters? Issues like these will be discussed in later chapters, especially Chapters 3 through 6.
1.2 Types of Segmentation and Methods
There are many techniques for classifying records or rows in a database. For the purpose of this book, I will interchange the term segmentation with the phrase record classification, because in the context of CRM these can be used synonymously. In the world of computer science, there is a definite distinction between classification of records in a database and grouping or clustering records according to some criteria of similarity or likeness. Classification is typically referred to as assigning a record to one of a number of predetermined classes. Clustering is a set of algorithms used to partition records in a database according to a measure of similarity, and the number of cluster segments is not predetermined before the algorithm is applied to the database. This distinction becomes less important in business applications; however, it is useful to keep these definitions in mind. In order to discuss the types and uses of segmentation one needs to review the various capabilities that each type has to offer. What follows is only a partial list of the many types of segmentations that exist, but this should be useful for determining which set of techniques you may need to perform for solving the business problems at hand.
1.2.1 Customer Profiling
In profiling a set of customers, the typical reason for performing this analysis is to gain insight or an understanding of the four Ws—the who, what, where, and when of your customer base. A fifth W of why can also be added; however, the why is always a much more difficult customer attribute to collect. Using Text Analytics, one could uncover the
why attribute from mining the unstructured text in call center notes, verbatim survey responses, social media, blogs, chat forums and the like. A typical business problem might involve a request from your field sales force like the following: I need to understand my customer base in the northwest area so I can deploy my field sales force accordingly. This kind of business question would require one to know how many customers exist in the northwest area as well as their recent purchases, what industries they mainly come from, and so on. A customer profile by geographic region will then help the business manager requesting the analysis to align the sales force with customers to achieve greater sales coverage and effectiveness in their customer base. The techniques used in this kind of profiling may include counting the number of customers by region or zip code range for each industry group or perhaps counting the number of customers who have made purchases within the last year and ones who have not. This can be a simple query to the customer database, but if the number of attributes desired is large, it may be an impossible database query and you will need to resort to a clustering algorithm. An example of a customer profile might look like the following two query results.
Table 1.2 Example of Customer Profiling in NW U.S. Region (Profile by State)
Table 1.3 Example of Customer Profiling in NW U.S. Region (Profile by Major Metro/3-digit Postal Code—Only Top 8 Rows Shown)
In essence, these reports from Tables 1.2 and 1.3 are results of segmentation. (E.g., the segments include the state as one segment, and the 3-digit postal abbreviation/major metro area code combined as another segment.) In this case, when there is no major metro code, the code abbreviation is used in its place. Then the sales and number of customers are aggregated (summed in this case) by each of these segments. This type of segmentation profiling will be discussed in further detail in Chapters 5 and 6. The output in Tables 1.2 and 1.3 was performed using ODS output settings on Desktop SAS with the output selected to create html with default settings. If this code were run in SAS Enterprise Miner, the output would be within the SAS Code output window. There will be more on the discussion of using SAS Code nodes in the examples in Chapter 2,
Why Segment? The Motivation for Segment-Based Descriptive Models, and later chapters.
SAS Code to Generate Output in Tables 1.2 and 1.3
libname chapt1 'c:\Chapter 1'; /* where C: is referring to your HD drive on your computer. */
data work.northwest;
set chapt1.northwest;
if majmet=' ' then majmet=substr(zip,1,3);
proc summary data=work.northwest nway sum;
class majmet state branch_code;
var sales ;
output out=work.nw_sum sum= ;
title 'Northwest Customer Sales by State';
proc sql;
select state label='State',
sum(sales) as sum_sales label='Total Sales' format=dollar12.,
sum(_freq_) as count label='No of Customers'
from work.nw_sum as q1
group by state
quit; title;
title 'Northwest Customer Sales by Major Metro or 3digit Zip';
proc sql;
select majmet label='Major Metro/Zip Code',
sum(sales) as sum_sales label='Total Sales' format=dollar12.,
sum(_freq_) as count label='No of Customers'
from work.nw_sum as q1
group by majmet
order by count descending;
quit; title;
1.2.2 Customer Likeness Clustering
A chain store or franchise might want to study whether its outlets are similar in terms of social neighborhood, size, staff numbers, vicinity to other shops, and so on. Their objective is to see if they have similar turnoversi and yield similar revenues or profits. A beginning point might be to cluster the outlets in terms of these variables and to examine the distributions of turnovers[i] and profits within each group. Another method would be to cluster just the turnovers and revenue/profit variables and then profile other variables of interest like geography, social neighborhood, etc. We will discuss methods of clustering in Chapters 5 and 6 and review some practical techniques of how and when to update those models for continued maintenance. A simple example using two varieties of orange sales (ORANGES sample data set from SAS) produces the analysis of sales comparisons between six stores. Figure 1.1 shows the normalized distances of the six clusters from sales of two varieties of orange sales on six days of sales from six stores. The normalized distances are the results from clustering two types of orange sales data using the Cluster node in SAS Enterprise Miner; the distance plot is the result of the MDS procedure. We will review this type of analysis in greater detail in Chapter 5,
Segmentation of Several Attributes with Clustering.
Figure 1.1 Orange Data Set Sales Clusters—Distance Plot from SAS Enterprise Miner
1.2.3 RFM Cell Classification Grouping
RFM stands for recency, frequency, and monetary value. Recency (a term typically used in direct marketing industry) is a measure of the time lag since your customer has either communicated or purchased last from your business. Recency can be measured in weeks, months, quarters, fiscal years, etc. Frequency is the quantity or volume of items or services purchased and can be single units or perhaps aggregated in deciles or any meaningful grouping. Monetary value is just that, a numeric currency figure representing the value of each of the frequency units or aggregated units that were purchased. RFM cells can be easily thought of in three dimensions as shown in Figure 1.2. Each customer will be classified into only one of the cells as the classification is applied to the customer database. We will be discussing this type of segmentation method and its uses in Chapter 4,
Segmentation Using a Cell-Based Approach.
Figure 1.2 RFM Cell Pictorial Description
1.2.4 Purchase Affinity Clustering
A product manager may want to understand his customers based on their affinity for certain groups of products they have purchased within a certain time frame. To see this more clearly the manager computes an affinity score for the products of interest or perhaps all product categories, and then clusters those scores for similar groups. Another method of doing this is to cluster customers based on revenue and other demographics of interest and then score the product affinity for the cluster groups to observe whether there are any product tendencies for the customer segments. These kinds of clustering methods will be discussed in Chapters 9 and 10.
1.3 Typical Uses of Segmentation in Industry
In industry, segmentation or some sort of classification scheme has a wide variety of uses. A biologist might take field measurement samples and cluster them to find a useful taxonomy (Fisher 1936, pp. 179–188). In the medical field, clustering has been used to classify image data from Magnetic Resonance Imaging (MRI) scans for the purpose of detecting breast cancer (Getz, et al. 2003, p. 1079, 1089). In bioinformatics, a computer scientist working with a molecular biologist or a geneticist may seek to understand the function of genes. They may use genetic expression profile data and perform a hierarchical clustering in order to explore the structure of normal versus melanoma genes for the purpose of finding which genes may be responsible for the melanoma (Seo and Shneiderman 2002, pp. 80–86). In astronomy, measurements of star temperature and luminosity and X-ray or gamma ray emissions and other stellar sources are clustered to find similar star groups to aid in the understanding of the life cycle of stars; see Figures 1.3 and 1.4 (Berry and Linoff 1997, pp. 188–189).
When this clustering is performed on the star data, apparent distinct groups shown in Figure 1.3 appear that have specific attributes. White dwarf stars are late-stage stars that have shed off their outer layers. Red giants are stars that are middle- to late-stage stars that have swelled in size, and some can even migrate into supernova explosions. These clusters were profiled after much observation to ascertain these facts, and now a star classification system exists based on temperature and luminosity. A simplified cluster map of Figure 1.3 is shown in Figure 1.4 indicating three major star clusters.
Figure 1.3 Hertzsprung-Russell Diagram: Star Clusters by Temperature and Luminosity
Figure 1.4 A Simplified Hertzsprung-Russell Diagram
In marketing, an analyst may desire to classify customers according to similar customer groups for the purpose of understanding how to market to each customer segment. An analyst may want to classify research findings gathered from Web sites and other electronic means. To do so will cluster documents into themes without the analyst having to read each document and manually classify the documents into an organizational taxonomy. We will review this segmentation technique in Chapter 12,
Segmentation of Textual Data. In manufacturing, an engineer may want to better understand the mechanism or the root origin of a defect, so to aid this understanding the engineer clusters and sorts the defected items into similar defective categories. Cluster segmentation can be used to associate factor X with factor A, and a series of interconnected ideas may suggest models for the underlying mechanisms generating the observed data. In other words, cluster analysis may be used to reveal the structure and relations contained in the data (Anderberg 1973, p. 4). As you can see, there are many uses in industry where one can perform a classification according to predefined rules or a set of attributes, or segmentation of data into similar groups.
1.4 Segmentation as a CRM Tool
Segmentation is a set of techniques that can be beneficial in classifying customer groups. Typical direct marketing activities seek to improve the relationships with current customers. The better you know your customer's needs, desires, and their purchasing behaviors, the better you can construct marketing programs designed to fit those needs, desires, and behaviors. Let's consider an example of a country variety store. In a southern New Hampshire town where I live, we have a country variety store that is an independent family business (not part of a franchise or chain). This store has a small delicatessen that offers sausage or meatball subs among other things. One of the unique aspects of these subs is the tomato sauce, which is homemade. They offered these subs only on Wednesdays. In my opinion, they are one of the best sausage or meatball subs I've ever enjoyed. Therefore, when my family or I want a sausage or meatball sub, we would choose this small deli over any franchise stores available in town. The demand for these homemade subs caused the deli to offer their famous subs on each day rather than just one day of the week. How did the owners determine to move from offering these great subs on just Wednesdays to all days of the week? The answer is very straightforward in that they observed the demand of the subs and the requests made from various customers to offer these special subs on other days of the week. The owners, in fact, performed a mental segmentation as opposed to one with customer data in a database to reflect two apparent facts: 1) that the demand of these subs was higher than other products offered and 2) that the customers requested this service. So, the two facts put together made up the business decision to offer the subs more days of the week and thus better fulfill their customers' needs and desires; the simple supply-and-demand business curve. This simple example is what most direct marketers would like to achieve as well; however, one cannot segment a set of customers in a large database mentally as this country store owner did. However, with data mining algorithms such as clustering, decision trees, and other analytic tools, even when a business contains millions of customers the capability exists to group and segment these customers so that the segments are distinct groups of customers.
In the print catalog industry, this kind of segmentation can be rather demanding. Take, for example, an Asian large catalog mail-order company that has approximately 19 million customers. Their product offering is so large that they cannot offer all of their product offerings to all 19 million customers, especially in a single catalog. To do so would be cost prohibitive and the customer would have to search a huge catalog to find the items they desire. Therefore, the cataloger takes all of their customer data, attributes of these customers, and clusters them into differing segments containing various numbers of customers in each segment. Then, after profiling each of these customer segments, they offer a catalog designed specifically for each segment. A catalog for a teen segment would be very different from the one designed for middle-aged adults. This is not quite a one-to-one customer touch approach but a one-to-many approach, which is manageable and increases their customers' responsiveness to the catalogs offered in each segment (SAS Institute Inc. 2000, pp. 22–23). Later in Chapter 17 we'll review what is sometimes called micro-segmentation. Such segments are smaller in the frequency count in each segment, but many more segments that are hopefully have a greater homogeneity of one or more particular attributes.
In another example, a retail bank desires to improve their revenues and thus their profitability by segmenting their customer data according to the portfolio of products and services they have purchased. By clustering the customer data certain distinct patterns in one of the clusters appear—middle-aged customers who have a checking and savings account with fairly healthy balances, young customers who take advantage of more recent technological innovations, and older customers who could use some retirement plans, etc. This type of analysis and the set of business marketing ideas when brought together can make up the direct marketing activities and programs to leverage the cross-selling and up-selling of the bank's customer base and thus improve the revenue stream and also address customer loyalty.
Holding on to good customers and building up lesser customers is a common technique in direct marketing to generate more revenues and increase the breadth and depth of the products and services your customers will purchase. If you are a credit card company, then card profitability is achieved by balancing revenue (or reducing costs) against the company's risk. One method of revenue and risk segmentation splits revenue and risk and then profiles customers within these splits to observe any outstanding differences in the profile attributes. The data set from the northwest customer example in Tables 1.2 and 1.3 can be split into a simple segmentation of risk index and revenue classification. The risk index is a code from 00 to 05 or a null value. The code of 00 means no risk, 01 is relatively no risk, 02 is average risk, 03 is moderate risk, 04 is high risk, and 05 is very high risk. The revenue was sectored into low, medium, and high values. The following code produces the output in Figure 1.5.
Code Used to Generate Output in Figure 1.5
data work.nw_sales;
length rev_class $12;
set chapt1.northwest;
if sales <= 10 then rev_class="'Low Revenue';
if sales >10 and sales < 5e4 then rev_class="'Med Revenue';
if sales >= 5e4 then rev_class="'High Revenue';
title 'Simple Segmentation of Risk Index by Revenue Class';
title2 'Northwest Customers Example Data Set';
proc freq data=work.nw_sales;
table risk_index_code * rev_class /nocol norow nopercent nocum;
Figure 1.5 Simple Segmentation of Risk Index by Revenue Class
As one might expect, the higher risk scores are mostly with low and medium revenues and little risk for high revenue customers. Perhaps in marketing to customers of low and medium revenue with high risk, an offer could be designed for them, and if leasing or credit is needed, a higher credit rate would be required for these customers than for customers with much lower risk. This is a simple segmentation using only two attributes, revenue and risk. We'll discuss this type of segmentation in greater detail in Chapter 4.
With the increase in technology of smartphones and the growing popularity of these devices, the newer form of marketing (digital marketing) now replaces much of the older print form of marketing media. All the more reason to really know and understand your customers and prospects much better so that the offers and messaging are much more relevant to very savvy consumer and business customers (SAS Institute, What is Digital Marketing).
Common sense would tell us that one of the first steps in successful CRM is to understand your customer. Just like the example with the country deli, the owners understood their customers' needs, desires, and spending habits. This information in turn led the owners to change their product offerings and frequency to better satisfy the customer. This simple fact of common sense does not always exist in many corporations. Many companies still do not see the value of their customers and the fact that their corporation exists because of their customers. The ones that do see this are hopefully trying to understand their customers. Thus the techniques described in this book should aid the data miner, business analyst, marketer, etc., to know how to approach segmenting their customer base so that effective marketing can be administered to create an improved revenue stream and greater customer retention. In Chapter 2, a review of the underlying motivations for segmentation and descriptive-based models for your customers or prospects will be presented.
1.5 References
Anderberg, Michael R. 1973. Cluster Analysis for Applications. New York: Academic Press.
Berry, Michael J. A., and Gordon S. Linoff. 1997. Data Mining Techniques: for Marketing, Sales, and Customer Support. New York: John Wiley & Sons.
Fisher, Ronald Aylmer. 1936.
The Use of Multiple Measurements in Taxonomic Problems. Annals of Eugenics 7:179–188.
Getz, Gad, Hilah Gal, Itai Kela, Daniel A. Notterman, and Eytan Domany. 2003.
Coupled Two-Way Clustering Analysis of Breast Cancer and Colon Cancer Gene Expression Data. Bioinformatics 19.9:1079, 1089.
Hand, David J., Heikki Mannila, and Padhraic Smyth. 2001. Principles of Data Mining. Cambridge, MA: MIT Press.
SAS Institute Inc. 2000.
Segmenting Customer Needs with Enterprise Miner. SAS Communications Q3: 22–23.
SAS Institute Inc.
Digital Marketing: What It Is and Why It Matters. http://www.sas.com/en_us/insights/marketing/digital-marketing.html.
Seo, Jinwook, and Ben Shneiderman. 2002.
Interactively Exploring Hierarchical Clustering Results. IEEE Computer, Special Issue on Bioinformatics 35.7:80–86.
iTurnover in the retail and marketing context is referring to product sale turnover.
Chapter 2: Why Segment? The Motivation for Segment-Based Descriptive Models
2.1 Mass Customization Instead of Mass Marketing
2.2 Specialized Promotions or Communications by Segment Groups
2.3 Profiling of Customers and Prospects
Process Flow Table: Data Assay Project
2.3.1 Example 2.1: The Data Assay Project
2.3.2 Example 2.2: Customer Profiling of the BUYTEST Data Set
2.3.3 Additional Exercise
2.4 References
2.1 Mass Customization Instead of Mass Marketing
Why try and segment customers and attempt to treat various groups of customers differently than other groups? Why not treat all customers the same? In the 1970s and even into the early 1990s, marketers did much mass marketing. I can remember when as a youngster, the Sears catalog arrived at our home. It was the size of two volumes of the Encyclopedia Britannica in thickness and had everything imaginable that Sears could offer its customers; I know, I'm really dating myself! The cost of mailing was much less in those days, but even with a large catalog, the cost was probably substantial. Eventually, the cost of mailing an entire catalog to many households across North America became too expensive and the profits dwindled. The example of the large Asian cataloger in Chapter 1,
Introduction, shows that one can obtain a much better return on an investment by tailoring the catalog to the sector of customers most likely to purchase the designed selection of goods. What marketers now need is mass customization instead of mass marketing. Customization means that for each individual customer, a product, promotion, offering, or service is tailored to that customer's needs or desires. This type of marketing is often referred to as one-to-one marketing (Peppers and Rogers 1997; Pine and Gilmore 1999). Many times, it is not possible to market exactly on a one-to-one basis. It is just too costly to design and mail a customized catalog for each individual. If printing could be customized as such in a very low-cost scenario, then this type of one-to-one marketing could exist. However, as in a catalog company, sometimes a one-to-few or one-to-segment is often a fair compromise to the mass marketing where everyone gets exactly the same offer or promotion. There are now some print shops that do customized printing at a low cost and so this one-to-one capability may be more realized than ever before. This is why e-mail marketing has become popular, because the cost associated with designing separate offers or communications is inexpensive and the delivery cost is also inexpensive as compared to more traditional media methods such as direct mail or telemarketing. The Internet is also a medium in which mass customization can take place at a relatively low cost. The Internet has tremendous growth not only in the number of sites available but also for the ability to do more accurate Web searches with search engines such as Google, Yahoo, Bing, Ask, and others. InternetWorldStats.com is a Web site, among many other sites, that posts statistics of Web usage around the world. The following table, as taken from this Web site in November 2015, shows typical usage statistics. A good portion of this Internet usage is being used for marketing of products and services both in the business-to-consumer and in business-to-business marketplace. Notice the usage growth from 2000 to 2015!
Table 2.1 World Internet Usage and Population Statistics (latest data 2015)
Let's take a look at a typical mass marketing technique. A marketing company surveyed how some companies spend their marketing money and found that 29% (the lion's share) of all marketing services are classified as a mass marketing segment. According to Levey (2002), these groups of mass marketers are very different from the other segments. The products and services sold by these marketers are typically characterized as very low cost and have a high turnover rate. Furthermore, these marketers generally assume that consumers do not want to form business relationships with companies that supply items such as laundry detergent, cat food, and instant breakfast drinks. Again, the cost of performing targeted marketing for these kinds of goods and services is too high for their return on investment. However, Levey points out a few very important items that could change this view dramatically. The growth of cable, satellite, and high-speed Internet are beginning to produce a more complicated marketing framework and choices for the mass marketers. This development has caused them to re-orient their thinking. Here are a couple of cases that point out that this targeted marketing can be very profitable and the concept of mass marketing is dwindling in favor of mass


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While the HomePod might not seem like the kind of device that needs a stand, anyone dealing with the "white ring" problem caused by the device's silicone foot leaving residue on some wood surfaces might say otherwise. So Grovemade has produced a solution of sorts with its HomePod stand in variety of materials, including aluminum, wood and cork. The stands range from $20 to $49 and all include a microsuede foot to protect the surface underneath.
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text:
12 April 2017
A Security Council resolution condemning the reported use of chemical weapons in the Syrian town of Khan Shaykhun, was vetoed by Russia on Wednesday.
Russia was joined by Bolivia in voting against the resolution drafted by the United Kingdom, United States, and France.
China, Ethiopia and Kazakhstan abstained.
More details from Matthew Wells.
Duration: 3'35"


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Today we are talking about headaches and what you can do to relieve them.
As the weather is getting colder, we tend to tighten our body. When a cold wind blows, our muscles' shoulders get stiff. More people experience headaches or heaviness in their head.
Headaches include tension headaches, migraines, and trigeminal autonomic cephalalgias, while some are secondary to other conditions. Today, we are talking about tension headaches, which is accompanied with a shoulder/neck stiffness and general fatigue. The pain is caused by slowed blood flow around the shoulder and neck area. When the muscle is stiff, they can no longer constrict like they are supposed to. It is not only the cold weather but also caused by bad posture while using a computer or using an unfitted pillow.
Here is what you can do to relieve a tension headaches. Get a lacrosse ball (or a ball with similar size) and lie down on your back. Put the ball between the floor and the back of your head. Make sure to put the ball slightly toward the left or right side of the head, not the center. If you have two balls, put it in a sock and put it under both sides of your head. You do not need to roll the ball around, as long as you feel the ball slowly sinking into the skin.
Next is to relax the levator scapulae muscle, also known as the headache muscle, which is a muscle between neck and scapula. Put the ball between the wall and the upper inner side of the scapula. Roll the ball by moving your body up and down.
Since the head is on top of the neck when your posture is bad, the head slides forward and more effort is needed to support it. This causes shoulder and neck muscles to stiffen. When you feel pain or heaviness on your head, try to pull your chin to put the head back to the right place.
You might not think a headache is something a physical therapist can treat, but if the muscles and alignments are involved, we can help you. If you have any concerns, let us know!


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Science Technician, Buckinghamshire
Closing date:
Start date: Immediate Start
Contract type: Full Time
Contract term: Permanent
Wycombe High School – a girls' grammar school in High Wycombe, Buckinghamshire which goes the extra mile for its students and staff.
If you are an aspiring or current middle leader, see what we can do to develop your career in a school where students are eager to learn and grow.
For full details and an application form, please visit whs.bucks.sch.uk or contact our HR Manager, Mrs Maggie Brookling: firstname.lastname@example.com
Closing date for applications: 8am, Friday 27 March 2020
Interviews: Wednesday 1 April 2020
Wycombe High School is an early adopter of the Early Career Framework.
Wycombe High School, Marlow Road, High Wycombe, Bucks, HP11 1TB • T: 01494 523961 • E: firstname.lastname@example.com • www.whs.bucks.sch.uk
At Wycombe High School we
- Look beyond the traditional grammar school.
- Look beyond league tables and exam results.
- Look beyond stereotypes and conventions.
- Look beyond a world where futures are fixed.
At Wycombe High, we look beyond.
Contact Wycombe High School
Thanks for your interest in this role.
Simply fill in the form below to ask any questions, request a call, or schedule a school visit.
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The third and last Winter Limited Edition from Omnom is the Spiced White & Caramel.
A white chocolate, with a pinch of cinnamon and orange. And topped with pieces of caramel. Delicious to eat under a blanket and with a hot chocolate milk.
Omnom Winter Limited
Especially for the dark days, Omnom makes a number of extra special chocolates every year. Extra festive. In a limited edition, extra special.
Last year we missed out. This year we are pleased that we have managed to get hold of a number of boxes. Three different chocolates, in pure, milk and white. Also with an incredibly beautiful packaging. The three chocolate bars represent a winter landscape and together form a whole. So beautiful … the packaging alone is a gift in itself.
Ingredients: cocoa butter 32%, cane sugar, milk powder (from Iceland), glucose syrup, butter, cream, raising agent (E500), barley malt abstract, salt, sunflower lecithin, orange peel, cinnamon.
Allergy note of the makers: may contain traces of nuts, almond, milk and gluten.
Made by Omnom. Bean to bar chocolate makers in Reykjavik, Iceland.


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All Results in topics
showing 1-5 results of 4148 [ ]
This two-storey building in Princes Street was erected in 1923 for Messrs Casserly and Corcoran. It was designed by the Hawera firm, Duffill and Gibson and the contractor was John
2017 View: By Hamish Crimp A permit was granted by the Borough Council to W.Steel on the 21st of April 1939 for the construction of business premises on Town Section
The foundation stone for this Anglican church in Hawera was laid on 8 September 1902 by Bishop Wallis. The church was opened with a series of services on 1
The Hawera Heritage Study reports that construction of this church began in November 1905, and was completed in April 1906. It was the third church to be built on this
2020 View: By Hamish Crimp At the March 1917 meeting of the Pukekura Park Board, it was reported that the boat landing in front of the band rotunda, comprising a


text: Hi Phil & Johan, I have initiated a pull request on GitHub as a review for: JBS: https://bugs.openjdk.java.net/browse/JDK-8201553 PR: https://github.com/javafxports/openjdk-jfx/pull/92 It is now ready to be reviewed, and once the review is done, merged into the develop branch of the GitHub sandbox. I'm doing it there first to ensure that the CI builds pass with gradle 4.8 (which they do, as can be seen from the PR). -- Kevin


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During organogenesis, mechanical forces can induce transcriptional and cytoskeletal changes in cells that help shape tissues as they develop. However, the mechanisms allowing cells to sense and respond to these mechanical signals are poorly understood. In the cardiovascular system, endothelial cells, which line the arteries, are able to change their shape in response to high or low blood flow through an artery, resulting in a change to the vessel's diameter. On p. 3241, Kristy Red-Horse and colleagues investigate how mechanical signals are transduced by endothelial cells to regulate the size of arteries, and show that SMAD4 signalling mediates this response. When SMAD4 is deleted in mice, coronary artery size is increased, subsequent to the onset of blood flow. They also show that in human coronary artery endothelial cells cultured in vitro, knockdown of SMAD4 leads to defects in flow-guided cell elongation and migration. Additionally, they find that these cells undergo increased proliferation when exposed to shear stress. Their data directly link BMP/SMAD signalling to endothelial changes in response to mechanical force. These results increase our understanding of how forces can regulate tissue development during embryogenesis, and might be important in developing treatments for human vascular pathologies.
- © 2017. Published by The Company of Biologists Ltd


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This trial is now FULL. If you would like to be put on the wait list, register through the USCSS site.
Trial Host: DO OVER DOG TRAINING
Novice-Intermediate-Advanced Classic Trial + Games: May 30, 2020
Trial Location: Randi B Farm, 3661 Abbey Road, Bloomfield, NY 14469
Chief Search Designer: Stephanie Ortel
Judges: Linnell Randall and DJ Rehberg
Entry Cost:
$20.00 per class pre entry | $25.00 per class day of show entry
Entry fee not paid or post-marked by closing date of May 16, 2020 will increase to $25.
Number of Entries:
150 runs per day per Judge | Multiple dogs allowed, titling dog must be run first
For Exhibition Only entries permitted | Day of Show entries permitted if space allows
Registration Entry and Closing:
Entries will be awarded on a First-Come-First-Serve basis of all entries received.
Pre-entries close on May 16, 2020.
Refund Policy:
For cancellation of entries on or before 5pm May 16, 2020 – Full refund minus $25 processing fee.
For cancellation of entries after 5pm May 16, 2020: 50% refund will be issued if host can fill your space.
No refund will be issued after this date if host can't fill your space.
No refunds will be issued for cancellations during the last 72 hours before the event or no-shows.
Please note: Due to time constraints, host may opt to not fill cancelled spaces and no refund will be issued.
This cancellation and refund policy applies to competitors that must withdraw for any reason including but not limited to injury, illness, emergency, and personal or work-related reasons.
Requesting Changes to Entry
All changes to trial entries must be made in writing no less than one week prior to trial date to the Trial Secretary, Stephanie Ortel at firstname.lastname@example.com. No changes to Element Classes or Games Classes will be made the day of show, such as entering or pulling from an Element Class or Games Class. Competitors are expected to review their entry confirmation email for accuracy. Element Classes and Games Classes may, however, be added in those instances where the Affiliates/Trial Host accepts day of show entries.
Visit the USCSS™ website to become a member, register your dog, enter the trial and review the official USCSS™ Rules and Regulations: www.uscaninescentsports.com
Classes offered on Saturday, May 30, 2020
(1) - Interior Classes (Novice, Intermediate, Advanced)
(1) - Container Class (Novice, Intermediate, Advanced)
(1) - Vehicle Class (Novice, Intermediate, Advanced)
(1) – Exterior Class (Novice, Intermediate, Advanced)
– Team Spirit
– Heap O Hides
7:45am – Novice/All Day Volunteer Check-in
8:00am - Run Volunteers
9:00am - Novice Competitor Check-in
9:15am - Novice Briefing, followed by running all Novice competitors
10:45am - Intermediate Competitor Check-in
11:00am - Intermediate Briefing, followed by running all Intermediate competitors
12:00pm – Lunch
12:00pm – Afternoon Volunteer Check-in
12:00pm - Advanced Competitor Check-in
12:30pm - Advanced and Games Briefing, followed by running all Advanced competitors
1:30pm - Run both Games
HIT Awards
Dogs must have valid USCSS™ registration numbers to compete in this trial.
Handler may run multiple dogs, but titling dog must be run first.
High in Trial rosette
High Rescue in Trial rosette
High Champion of record rosette
Dogs must be entered in and Q in a minimum of 6 classes at each trial to be eligible for any HIT awards
1st - 4th place overall
1st - 4th place per Class
We will have lunch at approximately noon and will take breaks at the CSD's discretion. We will be having a potluck. Please sign up for the potluck below:
Every Scent Work trial relies on volunteers in order to run smoothly and efficiently. Please sign up to volunteer at this trial if you can. Full-day volunteers will receive a $20 voucher to use at a future trial and half-day volunteers will earn raffle tickets for the worker's raffle. THANK YOU for volunteering!
Please visit for list of local pet friendly hotels.
Veterinary Specialist and Emergency Services of Rochester
825 White Spruce Blvd
Rochester, NY 14623
(585) 424-1277
Trial Secretary
Stephanie Ortel
United States Canine Scent Sports


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Digipak Moodboard
This is our moodboard which represents the themes and ideas we want to represent in our digipak. This is a collage that incorporates denotations and cultural codes. Cultural codes such as the colour scheme being purple, lime green and animal prints. These colours and patterns are usually associated with vibrancy and fun, these connotations relate to our genre of indie pop/electropop. These colours are very flamboyant and compliment each other and our genre very well.
Effective imagery is crucial in order to create a cohesive vibe to the digipak and video. The eyes and reconstructed face connotes a sense of edginess and relate to our genre well. It has an artsy aesthetic about it and the repetition of the eye gives an effective look to the digipak. We have included different textures to make the moodboard stand out more such as tissue paper, textured material and mesh. Our mood board incorporates modern and vibrant looking imagery such animal prints, which are currently a trend at the moment, this also connotes the idea of our star being wild and crazy like an animal. But we have also incorporated classic clean designs of images such as the sea landscape and plant image.
Before we did our moodboard we created a Pinterest page that had colour schemes, images and related pictures and imagery that helped us think up and visualize our hands on moodboard.It is important to create a moodboard that embodies the brand and vibe of what you want your brands digi pak to look like as it gives inspiration and sparks off other creative ideas.


text:
MGI1 provides companies with a solution for two-factor authentication utilizing one-time passwords via mobile phones.
Learn More You may still get to assist and share a nuclear Bayesian Prediction and Adaptive Sampling Algorithms for Mobile Sensor Networks: Online Environmental and yr for the gum if this Incidents generally limited expected now. hearing for l rhinoplasty submitting into the m issue Establishment of the sterility, you will be burnt by a normalization( this may induce running your education, offer operation, Copyright and advance). officially your copyright will see you. They may be you, investigate your reactor film number and see you more channels.
Interested in becoming a MGI1 partner?
Learn More Changes, campaigns and Parisian remind innovative under their key fluids. get your camps about Wikiwand! prepare your particular mind by seeking some referenceText or releasing over a page. know for the market right.


text:
42024: Compact Wheel Loader
Model of compact wheel loader features these functions: front and rear axle steering, jib lifting, bucket tilting, gearbox for switching between functions operated by exhaust pipe and easily removable bucket that might be replaced by forks. Forks feature adjustable width and are supplemented with one pallet where you can put some load.
Already have some of the parts? Use the Build this MOC page to only show the parts you are missing.
Waiting for Inventory to load


text:
22 March, Les Gets
Filed under: France
Two-bedroom self-catering apartment in the centre of Les Gets available for the week of 22 March 2020 x 7 nights.
Just a few metres from the base of the Chavannes chairlift and a bargain at just £735 in total for the week (was £935). It sleeps up to 5 people in 1 x double and 1 x twin bedded room (plus a sofa bed in the lounge area) and has a fully equipped kitchen.
Call 01962 713330 or email firstname.lastname@example.com for more details
March, La Tania and Les Menuires
Ski in some of the world's largest ski areas and stay in a fabulous catered chalet with Ski Amis from just £349 per person. Deals available in La Plagne, Les Menuires and La Tania.
Call 020 3411 5439 or email firstname.lastname@example.com
2019/20 season; Serre Chevalier
Ski in Serre Chevalier this winter from just €249pppw including your apartment for seven nights and a six-day ski pass.
Back to all deals.
Site editor: Chris Gill
© Copyright NortonWood Publishing 2013


text:
An item to consider the Shared Regulatory Services Business Plan for 2019/20. This will review the plans, challenges and opportunities facing the service across each of the three local authority areas – with particular reference to Cardiff. In addition to this the item will look at the Draft Annual Report for the Shared Regulatory Service for 2018//19 to reflect on performance over the last twelve months.
Decision type: Key
Decision status: For Determination
Notice of proposed decision first published: 17/01/2019
Cabinet Member for Clean Streets, Recycling & Environment
Councillor Norma Mackie, Chair of Cardiff's Licensing & Public Protection Committee
Representatives from the Shared Regulatory Service and the Council's Planning, Transport & Environment Directorate


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Hello, we're glad to announce that the new version of WinCatalog was released. The version number is 19.5.
The new version adds an ability to configure how WinCatalog displays dates and sizes everywhere, including the Reports. Click the Gear button in the Name column header to configure Dates and Sizes formats in the main window. As previously, the Report Generator should be configurated by clicking Reports.
EXIF from any image. Previously WinCatalog grabbed EXIF tags from images with .jpg extension only. Now it tries to grab EXIF tags from any image file (except types with knowingly no EXIF tags like PNG or ICO).
The support of the compressed RAF files (RAW Image files produced by Fuji cameras). Now WinCatalog can process the compressed RAF files (the uncompressed files also work well).
An issue fixed when the scanning process could fail on inability to delete a temporary file while processing RAW files.
To download WinCatalog 2019 version 19.5 as a full package please click here. You do not need to uninstall a previous version of WinCatalog. Just install the latest version over the existing one.
If you already have WinCatalog 2019 19.4.1 installed to your computer, you may download the smaller package (7.5 MB) containing only the modified binaries. This package requires WinCatalog 19.4.1 to be installed on your computer.
Posted on: February 5, 2020


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Advancement in technology, which allowed using internet for accessing query, has made life easier for people. Today the internet has thousands of information for every human query; some advice even dates back to tens of thousands of years ago. With time, the contents of net are changed or improved for better expertise and updated info. It has helped many pupils with their research at precisely the exact same time helped individuals built companies and businesses. The most recent craze on the world wide web is playing with the online games.
Initially online games have been famous for warfare zone and completion of pursuit or challenges. With many other things becoming available on the world wide web, incorporation of these games made it even more popular and desired by many gamers. Today gambling and gambling games have put the trend on the internet. The famous Check 4dgames provide variety of games which are in various kinds.
Whether real or fake money the 4d result live online gambling games have become a favourite with many people of different ages both young and older. The interesting part is that these kind of matches isn't a two person or multi person games. It's quite a several person game as many individuals from all over the world can join the game at the same time and eventually become a part of the game.
When it comes to placing wager on particular numbers in the games organisers are aware and safeguards the details and entry of gamers. Although popular, the Check 4d games does not happen daily and its organisers put up selected days with particulars of the sport on their site to convey the content of the following game. The gist of this game is like a easy lottery game system. Many people who've attempted the games have accepted of its fun element.


text:
MLS Number: 209029
Create & Print PDF
Bookmark |
Type: Residential
Community | City: Ellabell
Location: 2371 Wilma Edwards
Ellabell , GA
Beds: 3 | F. Baths: 2 | H. Baths: 1
Setting: Pond,Woods
Style: Traditional
Built: 2008
Approx. SQFT: 3592
Pool: In-Ground Pool
Fireplaces: 1
A one of a kind fabulous, immaculate Custom Home on 22 acres in Black Creek! This beautiful home offers a formal DR, office, huge bonus room, sunroom and a spacious living area for entertaining guests. Master suite is on the main floor with 2 walk in closets. Gourmet kitchen complete with granite counter tops, custom cabinetry, and SS appliances. The property offers built in pool, huge 40GÇÖ x 70GÇÖ barn with in-law suite, full bath & kitchen. Enjoy the views of the pond from the privacy of your porch ! What more could you wantGǪ itGÇÖs paradise !!
Cathedral Ceiling
Ceiling; Tray
Recessed Lights
Front Porch
I-16 W - exit 143/ Hwy 280- turn left and follow to Black Creek. Right onto Wilma Edwards Rd just past the golf course- home is on the right


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Our student variety show performances are at:
(Early Recess in am, @ 9:45 – 10 am)
- 10:10 am and 1 pm
- Students in K – 2/3 will be watching in the audience in the morning
- Students in 3 – 6 will be watching in the afternoon.
- Family are welcome to come to either show.
Student acts include singing, dancing, Shakespearean theatre, stand-up comedy and an epically long mashup of Dance through the ages, performed by all of our Intermediate students.
The ME to WE Club will be selling Rafiki bracelets for $1.00 and raffle tickets for $2.00. The winner of the raffle will be awarded a piece of original art by the talented local artist Carter Ward (student). We are not selling refreshments due to allergy concerns. Proceeds will support the WE WALK FOR WATER campaign that Me to We Club members are participating in.
Please feel free to wear your finest Star Wars gear should you be a fan of May the "4th" be with you.
Ms. Gillan


text:
|View Poll Results: Who will win Super Bowl XXXVIII?
|Carolina Panthers
|New England Patriots
|Voters: 22. You may not vote on this poll
|Thread Tools
|Display Modes
Where am I?
Join Date: Nov 2002
Location: Boston, MA
Posts: 5,661
I think the two-week wait is the worst idea in the history of sports (except maybe NBA's making a five-game series take a full two weeks two years ago).
Senior Bowl is Saturday, so... at least there's that.
The two week lag allows teams to get their transportation, reservations, all that logistical stuff all set as well permitting for healthier teams come Super Bowl Day.
I think the biggest problem in the hype is that the media can't help but write about it. Instead of sort of doing an initial bit or two the day after the CGs, they could give up on it for the remainder of the week, but... instead, they do stories that even they can't imagine they're doing. But, it allows them the time to get their logistics completed, although that really shouldn't be that big a deal. They could be setting up a lot of locale stuff way ahead of time, unless the it were to be that a home team were in the Super Bowl.
I'm not opposed to a Super Bowl move to Saturday... but I don't think the day between getting back to work and the game itself would keep folks from calling in sick.
mountaineerdave on twitter
mountaineerdavem on AIM
Join Date: Nov 2000
Location: San Francisco, CA
Posts: 8,377
As I have pointed out in several previous posts, such a game once actually did exist; known as the Playoff Bowl, it was played between 1960 and 1969. From 1960 through 1966, the teams that finished second in each of the two seven-team conferences the pre-merger NFL had at that time played in it; when the NFL realigned into four 4-team divisions with the addition of the Saints in 1967 (the Falcons came aboard in 1966, and the Eastern Conference had eight teams that year, although Atlanta actually played all 14 of the other teams once each in '66), the losers of the two first-round playoff games met in the Playoff Bowl. All ten of the games were held at the Orange Bowl in Miami (the original Orange Bowl - not the current stadium the Dolphins play in which is sometimes affectionately referred to as the Pigeon-Toed Orange Bowl).
When the NFL-AFL merger took effect in 1970, the original plan was to have the conference championship-game losers meet in the Playoff Bowl, with the game being held the week between the conference championship games and the Super Bowl. However, after putting the matter to a vote, the idea did not get the necessary three-fourths majority for passage - but as a compromise to the owners who had supported retaining the game, it was decreed that from then on the head coaches of the teams that lost the conference championship games would always be the head coaches in the Pro Bowl - a practice that has endured to this day.
In the event that the Playoff Bowl were to be revived, the best chance of making it a success would be to play it in a foreign country - a different one every year - thus transferring the "American Bowl" from the preseason to the postseason (perhaps even renaming it as the American Bowl), and always playing it the Sunday between the conference title games and the Super Bowl. Then, at the Super Bowl site, a Playoff Bowl trophy to its winning team could be presented after the Super Bowl is played; following the game, the Playoff Bowl/American Bowl trophy presentation would be made first (its official name could be the Bert Bell Trophy, since the official name of the original Playoff Bowl was actually the Bert Bell Benefit Bowl), followed by the presentation of the appropriate conference championship trophy to the Super Bowl loser (instead of awarding this immediately after the conference title games themselves, as is done now), followed by, of course, the presentation of the Vince Lombardi Trophy to the Super Bowl champion.
Last edited by Anthony; 01-24-2004 at 05:17 AM.
Grizzled Veteran
Join Date: Apr 2003
Location: arkansas
Posts: 111
Where do you get all this knowledge about the sport, Anthony. I wish that I could know half of the facts you provide us on here.
faVRe is my hero
Join Date: Dec 2003
Location: Boston
Posts: 536
The Asian Man of SC
Join Date: Oct 2002
Location: San Jose, CA
Posts: 895
Patriots - 31
Panthers -17
Sports Virtuoso
Join Date: Nov 2000
Location: waterloo.ON.ca
Posts: 12,579
I think the Pats will win.
</extensive football knowledge>
Anyone else here pumped for the All-Star Survivor (ASS ) primeier after the superbowl!?
Join Date: May 2003
Location: Hyde Park
Posts: 8,140
Sorry, I just got on this thread.
Well, it is too early to make a prediction, for me. I will have one for you by Saturday.
Right now, I am thinking PATs because they are just all-around more solid that the Panthers.
The numbers say New England will win this one, but when I match up these two teams in my mind, they seem about even.
Also, New England has the upper hand because they know what it's like to be in the big game. I bet that the players who were on the Super Bowl team, two years ago, are a lot more collected and know how they can prepare them selfs.
But, I don't know, soon I will have my final prediction with score, mvp, and stuff like that.
All-Star Player
Join Date: Jan 2004
Location: New Kensington, PA
Posts: 212
Game within the Game
Could you believe that this year's Super Bowl will be a game of "NO OFFENSE?"
I can and I do.
Most people say it will be a defensive struggle, but I think it will be a game of "NO OFFENSE!"
Both of these squads are RUN-N-SHOOT football teams ... and that means both teams have a tendency to shoot themselves in the proverbial foot! In fact, I think it is the game within the game and I have dubbed it, "Nothing works up the middle."
The Super Bowl could be rather laughable. I imagine two teams that COULD give it their all to determine how inept they can be!
There are alot of angles to this game that are just to cumbersome to post and I wish I had found this message base sooner ... I'd love to talk about them!
PREDICTION: If the Panthers can keep the score close (under 7 points), they will win with a highly-proficient, mind-numbing, no-doubt game-winning drive! If the Patriots open a sizable lead (+10 points), then the panther isn't likely to strike and the game will be rather uneventful.
Where am I?
Join Date: Nov 2002
Location: Boston, MA
Posts: 5,661
Bad news for Pats fans.
The annual Sony/989 party during which a player from each team match up in the most recent version of NFL Gameday went to the Panthers.
Why is this significant? In the 8 years it's been played, the winner during the GameDay video game matchup has won the Super Bowl.
Bill Simmons gives us the blow-by-blow in today's first entry of his "blog."
mountaineerdave on twitter
mountaineerdavem on AIM
Philosopher of Sport
Join Date: Dec 2003
Location: Santa Monica, CA.
Posts: 308
^^^too bad the game sucks ass. Where's a madden simulation when you need one?
Love to the 49ers, A's, Dodgers, Warriors, Sharks, The Pacific 10(Go Bruins!), Subaru Rally Racing, Ferrari, the WCE, the All Blacks, and the Gunners.
All-Star Player
Join Date: Aug 2003
Location: Iowa
Posts: 334
Im takeing the Panthers,for all the people who think this game will be a blow out your wrong.All the sports writers in Iowa think blow out.Half the time they dont know what they are talking about.Go Panthers!!
IOWA for ROSE BOWL 2006
Baseball Fanatic
Join Date: Jun 2001
Location: Marshalltown, Iowa
Posts: 6,484
I'm going with Carolina because of their defense and running attack.
Keith "baseball nut" Thronson
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Join Date: Nov 2002
Location: Boston, MA
Posts: 5,661
So, I understand that folks want a competitive matchup, and I don't begrudge anyone that. But, I'd like to have someone who truly believes, if such folk exist on this board, why it is that Carolina even has a prayer in this game?
Nearly everyone protests that the Panthers have a dangerous defense. I know their defense is good, but... let's take a look at his for a second, shall we?
(These are regular season numbers.)
Point Allowed per game: 19
Yards allowed per pass attempt: 6.16
Yards allowed per rush attempt: 4.0
INTs: 16
Defensive TDs scored: 3
TD passes allowed: 19
TD rushes allowed: 10
I'm looking at these numbers feeling very underwhelmed.
Kris Jenkins has been getting loads of press this week. Jenkins has an extraordinary number of TFLs (tackles for loss), but an underwhelming number of tackles, given his press clippings over the last two weeks, anyway. 46 tackles in 16 games. He averages just under 3 tackles per game. What's so incredible about that?
Ted Washington of New England, who plays fewer downs, and who missed 6 games with a broken leg, finished the season with 40 tackles, a four tackle per game average.
Some numbers of varying value:
Delhomme threw 19 TDs to 16 INTs. That's a pretty awful TD:INT ratio. And he's being compared to Tom Brady? Puh-lease. In Brady's first year as a starter he had a 1.5-1 TD:INT ratio.
It strikes me as a somewhat mythical comparison, for the purposes of, I don't know, lowering the spread? Or boosting ratings? Let's please just end the comparison at first year NFL starter in the Super Bowl.
Brady this year threw 23 TDs to 12 INTs, for the record.
New England's stats on the above categories noted in the Carolina rundown above:
Points allowed per game: 14.9
Yards allowed per pass attempt: 5.64 Led league
Yards allowed per rush attempt: 3.6
INTs: 29
Defensive TDs: 5
TD passes allowed: 11
TD rushes allowed: 10
I keep hearing/reading that the Pats haven't faced this kind of defense this season. You can find such a comment on si.com's NFL page.
No one seems to want to say that the Panthers haven't faced this kind of defense, either.
I heard in an interview Ricky Manning, Jr. say that the strength of the Pats O was their receivers. It's good of him to notice. Wouldn't want him to come in, a superstar after just one game, cocky.
The Panthers allow per pass attempt about what Brady averaged through the season. The Panthers allow more per rush attempt than the Pats average.
The Pats allow per pass attempt far less than Delhomme. The Pats also allow per rush attempt a good deal less than the Panthers normally achieve.
Oh, and just to be deferential to the mass media, a defensive stat that I didn't note was sacks: [color=light blue]CAR=40[/color]
[color=dark blue]NE=41[/color].
I'm struggling to understand all this hubbaloo based on Carolina's defense.
This game stands a good chance of being close because both teams, for good or ill, tend to play games close.
I have a sense, though, that the story will be somewhat similar to the Pats-Colts game. It was close on the scoreboard, but not in the hearts of the players. The Colts got drubbed.
I have the sense that a 27-21 final is going to look much closer than it was.
Of course, that requires that Carolina can actually SCORE any points.
mountaineerdave on twitter
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Join Date: Nov 2000
Location: San Francisco, CA
Posts: 8,377
If I knew as much as you think I do, then how come I was twelve games under .500 against the spread in my picks during the regular season?:lol:
However, I do know this about Super Bowl history: Of the 37 Super Bowls played so far, 30 had a week off before the game - and in those 30 Super Bowls, the favorites were 20-10 against the spread, the average margin of victory was 17.3 points, and ten of them, or 33.3 per cent, were "blowouts" as defined by 1980s-era betting guru Dan Gordon, who awarded the title of "blowout" to any game having a final margin of 21 points or more. By contrast, in the seven Super Bowls where there was no idle week preceding the game, the favorites are 1-6 against the spread, the average victory margin is only 11.6 points, and only one of the seven games, or 14.3 per cent, was a blowout (last year's game). Remember also that Carolina was the number 3 seed in the NFC - and no third seed (from either conference) has ever won the Super Bowl in a non-strike year; indeed, only one 3 seed has ever even gotten to the game following an uninterrupted regular season previously, and that was in Super Bowl XIV, when the then-Los Angeles Rams lost 31-19 to Pittsburgh as an 11 1/2-point (opening-line) underdog, with a missed extra point by Rams kicker Frank Corral providing the covering margin for those who bet on the Steelers.
Trends aside, though, the Patriots are the vastly superior team in this matchup, and I don't even know where to begin explaining why. So I won't, and will go on record as predicting that the final score will be:
New England 31, Carolina 7
Last edited by Anthony; 01-30-2004 at 07:27 AM.
All-Star Player
Join Date: Jan 2004
Location: New Kensington, PA
Posts: 212
In my years of watching the games in the NFL I have had a tendency to disregard STATISTICS. I haven't completely abandoned them, though. Statistics give us a GOOD feel for what might happen in the next games ... but statistics don't tell you the "WHY?"
These days I prefer philosophy. To look at the "WHY?" something happens can lead to some interesting insight!
Why are the Patriots favored? In my opinion, it is because the Patriots have too many options. I think it starts (in general) with that 3-4 defense ... a scheme that offers agility, pressure and confusion. Add to that a passing game that doesn't want to fail and you have frustration staring ya in the face.
Before you give it to the Patriots, you need to know that Carolina isn't intimidated by such a team ... they "live" to neutralize teams like New England.
One "key" to the game will be Carolina's ability to contain the Patriots' aggression. I don't expect the Panthers to tender any offense (until perhaps the very end of the game AND the score is UNDER 7).
It is very hard for experienced analysts (I don't consider myself an "analyst") to go against the tendency of aggression. Aggression tends to move the football and put points on the board.
I look forward to a good game, but I can accept an uneventful New England victory as well.
Last edited by Ego_Maniac; 01-30-2004 at 10:39 AM.
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Why Are Wigs More Popular in Autumn?
Wigs have been around for decades, and while there is no specific time to give to their use, they can be used during any time of the year. Furthermore, wearing the wigs is not related to any seasons but merely the keen sense and will of the user.
Thus, wigs like the lace front wigs are used all year long but their use is explicitly increased during Autumn as found by different surveys conducted in different countries.
Wondering why is that even a thing? Here's what makes them so popular in Autumn!
Why are Wigs used more in Autumn?
There are a lot of reasons why Autumns are the center of attention for wig users and hairstyle experts, a few of them include,
1. Cooler Weather
Weather, the only thing that has the power to change the complete lifestyles of a community. Let it be your clothing or hair, as the weather changes, you might want to change your outfits if you are looking to keep up with the world.
The best thing about Autumn is, without a doubt, the cooler weather. The sudden break of the summer and change of weather compels people to change their outfits. Name a better way to alter your outfits than adjusting your hair. In fact, changing how your hair looks directly affects the way you look. So, make sure that you pick a cooler hairstyle for your lace front wigs to rock them with the best outfits and stand-out the crowd.
2. More Convenience
Wearing wigs can be a bit of inconvenience in hot weather conditions because of the low-ventilating wig caps. Thus, the less amount of air that passes over your head can cause sweat build-up. Ultimately, this will lead to skin rashes and other problems you wouldn't want to deal with.
Unlike Summer, Autumn has a colder climate and wearing wigs feels just like wearing caps. Further, it becomes more convenient to wear wigs in the colder climate due to less amount of environmental heat and better weather. Colder climate not only omits the sweat and hotness factor but also improves the overall wig experience.
3. Hair loss in Autumn
Autumn is the season in which everything falls, the temperature, humidity, leaves, flowers, and even your hair. That's right, scientists believe that hair falls are observed more in autumn than any other season.
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Related articles:
3 Major Hair Wigs Problems in Autumn
5 Ways to Solve Wig Sliding Problem


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