text:
|Publication number
|Publication type
|Application number
|Publication date
|19 Jul 2011
|Filing date
|16 Mar 2010
|Priority date
|30 Dec 1999
|Fee status
|Also published as
|Publication number
|Rod Rigole
|Original Assignee
|Leod Network Holdings L.L.C.
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (76), Non-Patent Citations (15), Referenced by (6), Classifications (41), Legal Events (5)
|External Links: USPTO, USPTO Assignment, Espacenet
This application is a Continuation of and claims priority to U.S. Non-Provisional patent application Ser. No. 11/553,386, now U.S. Pat. No. 7,707,071, filed Oct. 26, 2006 that is a divisional of U.S. Non-Provisional patent application Ser. No. 09/753,982, now U.S. Pat. No. 7,139,728, filed Jan. 2, 2001 which claims the benefit of and priority to U.S. Provisional Application 60/173,881, filed Dec. 30, 1999, the disclosures of which are incorporated herein by reference as if set forth in their entirety for all purposes.
There are thousands, if not hundreds of thousands, of websites which sell products online. Some of these websites sell products within a particular category (e.g. eToys for toys), while others have emerged as online shopping malls (e.g. Amazon.com's, Bizrate.com, zShops) where consumers can find a variety of products which are not necessarily related or within a particular category. However, one area of commerce has been relatively ignored with the proliferation of dot.com businesses. This neglected area of eCommerce is services.
Not surprisingly, many partial substitutes exist in the marketplace. The major telecom companies advertise their "rate plans" on their websites and numerous websites offer cellular phone or paging services. Utilities.com from IdeaLab offers utilities in certain markets. Mortgage.com and others offer home loans. Numerous websites offer automobile insurance.
While there are entities which sell or promote services online, services ranging from accounting to website design, there is not a single website which provides adequate systems and methods that allow the consumers and businesses to shop in one place for services under a variety of service sectors—an online "services mall" so to speak.
The systems and methods for making, processing, and accepting online applications for a particular kind of service are known. For example, U.S. Pat. No. 5,966,699 of Zandi, entitled "System and Method for Conducting Loan Auction over Computer Network" discloses, among other things, systems of an online auction of a loan. The '699 patent is hereby incorporated by reference for all that is disclosed therewithin as if set forth herein in its entirety. Similarly, U.S. Pat. No. 5,995,947 of Fraser, et al., entitled "Interactive Mortgage and Loan Information and Real-Time Trading System" discloses, among other things, an online loan application system. The '947 patent is hereby incorporated by reference for all that is disclosed therewithin as if set forth herein in its entirety. However, none of the aforementioned sites or systems provides one-stop shopping for consumers to compare and shop for services on-line and manage, update, add or cancel service accounts across a variety of different service sectors using a single or minimal number of user interfaces.
One probable reason why there is not a single website that adequately addresses the needs of consumers and business shopping for a variety of services is the fundamental differences between providers of goods and providers of services. Goods are tangible items that are typically manufactured according to standard specifications and priced independent of the attributes of a particular consumer. Goods are often standardized so that they are suitable for a large population of consumers. In contrast, services are often provided and priced depending on the unique attributes and circumstances of a particular consumer or group of consumers. To illustrate the differences, a microwave oven can be purchased by a consumer regardless of the consumer's location, age, level of education, etc. On the other hand, a service program such as health insurance might depend on all the foregoing. In further illustration, another service such as mortgage brokerage services might depend on a different set of consumer characteristics such as the consumer's annual income, estimated market value of home, credit history, etc. Because of the unique nature of each individual seeking services and the unique nature of the characteristics required by service providers to produce service pricing and offerings, there has yet to be a system or methods that allow consumers to have a single source for a variety of service needs over a variety of service sectors.
As can be appreciated from the foregoing discussion, there are many complexities and logistics associated with the online selection of service providers. While there have been some attempts toward reducing the time and effort involved in the process, existing systems and methods have problems that need to be addressed. Accordingly, there is a substantial need for systems and methods that enable one-stop shopping for consumers to compare and shop for services on-line, manage, update, add and/or cancel service accounts across a variety of different service sectors.
The present invention provides systems and methods that overcome the problems in the prior art. The systems and methods may be implemented through a website that serves as an intermediary or "interchange party" between consumers/businesses needing services and the service providers. The interchange party allows consumers and businesses (hereinafter "consumers" means consumers and/or businesses) access to a variety of different services from a variety of different service providers over a variety of service sectors. Hereinafter the consumers in need of services, the interchange party, and/or the service providers may be referred to as a "participating party" or "participating parties". The present invention's advantages include the following, alone or in various combinations with each other:
systems and methods that allow consumers and businesses to shop and compare services in one place on-line;
systems and methods that allow consumers and businesses to achieve savings over the short term and long term from online and/or automated handling of transactions with a variety service providers over a variety of service sectors;
systems and methods that free consumers and businesses from time-consuming, tedious processes of paying bills and managing accounts;
systems and methods that automatically notify consumers and businesses of service offerings that better suit their needs and/or automatically enrolls consumers and businesses in better service programs;
systems and methods that reward consumers and businesses through incentive and pooling programs;
systems and methods for mining data and reporting to participating parties information derived from the mining and/or designing service programs based on information derived from the mined data;
systems and methods for "single entry" of data which may be presented to, accessed by, or gathered by a plurality of participating parties having a need for or interest in the data or information generated therefrom ("single entry" means that only one participating party needs to enter data or information needed by or of interest to other participating parties); and
other systems and methods that are expressly described herein or are contemplated herein and will be apparent to persons skilled in the art from the teachings herein.
Technologies for implementing the systems and methods of the present invention may include any number or combination of technologies well known to persons skilled in the art, such as database technologies like SQL (Oracle, DB2, or Microsoft), and programming languages useful in web programming such as ASP/JSP, JavaScript, Perl, CGI, XLM, COM/DCOM, Java, etc.
The present invention provides systems and methods that, among other things, enable consumers to compare and shop for services on-line, manage, update, add and/or cancel service accounts across a variety of different service sectors.
In one possible embodiment, the present invention provides a website included in an Interchange Party Computer System ("IPCS") that allows consumers to select from a variety of different services from a variety of different service providers. It is designed to give the consumer information so that they can make an informed choice. It is also designed to make the selection and transfer process easy and without any disruption in service. In this regard, the present invention provides user interfaces that streamline the selection of service providers and the management of service accounts. The IPCS website may be organized by service sector, such as long distance telephone or utilities. Once the consumer selects the desired service sector, a listing of service providers for that particular category is provided. At this point, the consumer can use a criteria feature to list the services in order of preference based upon one or more selected characteristics, such as price or service level. The consumer can then select a particular service provider and review the pertinent service information. And once the consumer decides on a particular service and provider, an online enrollment process provides data fields for the consumer to input their identifying information. The information is then processed, the selected service initiated, and the consumer is sent a confirming email or other electronic message. The service provider and consumer information is stored on computer systems, i.e., servers or databases on part of the IPCS, on third party provider computer systems associated with the IPCS or at a service provider computer system associated with the IPCS.
The IPCS provides one or more of the following features: automatic bill payment; an intelligent agent for providing information updates about service programs; a best service program that provides information as to which choices best meet the needs of a consumer or business; search engine for finding service providers; incentive programs that award services and businesses subscribing to services through the provided system; data mining features for extracting information based on consumer and business transactions with service providers participating in the system. These, and additional features, are described more fully below. They can be selected by the consumer at any time from the IPCS. The IPCS website providing the online storefront of service providers may receive a sign-up fee and/or an ongoing percentage of the billings for the service. A portion of these "fees" may be returned to the consumer in the form of incentive points.
As described in more detail below, the present invention provides a means for a consumer to create a single profile that may be used by a plurality of service providers providing a plurality of different services to provide offers for service.
The systems, methods, and features of the present invention may be implemented through a Selection and Transaction Network ("STN"), a system of networked computers that permits participating parties to exchange information and engage in online transactions with each other relating to the provision of services over a variety of service sectors. The STN generally means a system that permits input, transfer, managing and computing of data and/or information relative to different participating parties relating to one-stop shopping for consumers. The IPCS is at the heart of the STN and provides a single website which, among other things, allows consumers to compare and shop for services on-line, create, manage, update, add and/or cancel service accounts across a variety of different service sectors. The STN system may be described in terms of the computer systems controlled by participating parties and supporting parties (e.g., credit checking agencies) which may play an ancillary role in transactions between consumers and service providers.
One advantage of the STN is that it enables "single entry" of data so that only one participating party needs to enter data needed by or of interest to a plurality of other participating parties, and to deliver it to the other parties, and the party entering the data needs to enter it only once. Generally, "data" means facts and beliefs about the real world; "information" is data that has been processed and formatted to support decision-making Data may be processed to generate information. Information may also be processed to generate further information. The information that has been processed may itself be data depending on the context. "Data" or "information" includes data and/or information formatted into or as electronic files. For convenience herein, the terms "data" and "information" shall each be inclusive of both data and information, unless otherwise expressly or contextually indicated.
The plurality of service provider computer systems 4 can be grouped under a plurality of service sectors, each sector being represented by a plurality of service providers in the sector. For the benefit of consumers, the more sectors and service providers that are represented in the STN, the more convenient the STN will be for consumers, and the better the competition will be among service providers to provide price reductions and values to the consumers. Although the present invention is not limited to any specific number of service sectors or service providers under a sector, it would be advantageous to consumers to have at least five different service sectors represented in the STN. It would be advantageous to consumers to have at least three service providers represented under at least five service sectors. It would be even more advantageous to consumers to have at least seven different service sectors represented in the STN. It would be even more advantageous to consumers to have at least five service providers represented under at least seven service sectors. It would be particularly advantageous to consumers to have at least ten service sectors. It would be particularly advantageous to consumers to have at least seven service providers represented under at least ten service sectors.
The STN 1 may be used to communicate data between the participating parties or other computer systems. For example, it may capture data from electronic application forms presented on electronic pages such as web pages or email pages; other electronic forms; verification or approval forms or files, etc. The system may include means to organize captured data into records in a database or into known electronic file formats; it may transmit or present data to other participating party computer systems; it may evaluate, process, or otherwise compute data and information; and/or it may receive data from others involved in the transactions and communication between or among participating parties.
Looking more specifically at IPCS 2, it electronically facilitates communications and transactions between at least two other participating parties, namely consumers and service providers. Computer systems in system STN 1 may be networked over LANs, WANs, the Internet or other known network systems 5 using known protocols for such systems, including TCP/IP. To illustrate the range of possible computer systems that may be present in STN 1, computer systems are represented as servers and PCs. This is merely for example purposes.
A "participating party's computer system" is a computer that is substantially under the operational control of a participating party and does not necessarily need to be owned by a party. For example, the computer system used by a consumer at an Internet Cafe would be a consumer computer system while under the control of a consumer. Similarly, a participating party's computer system could conceivably serve multiple rolls. For example, an insurance company service provider computer system could also be a consumer computer systems if it was being used by an insurance company employee to select long distance telephone service for the company from the IPCS. A participating party computer system may be in the form of a distributed system not under a single housing or roof but having the distributed components under the operational control of a participating party.
A participating party's computer system may include hardware and software for data capture. Such components may be referred to as a "data capture server. A data capture server's functions include accepting data transfer from one or more data sources that may be outside a participating party's computer system. The source of the data may be another participating party's computer system. Data may also enter a data capture server by direct manual input or connection to storage medium such as a CD-ROM, disk drive, floppy drive, memory cards, ZIP drive cartridges, and the like. Appropriate parsing applications could parse the data captured from forms into appropriate database records and fields. XML based applications are suitable for authoring forms, transferring data into the database, and extracting data and information from a database.
A participating computer system may further comprise or include software and hardware for presenting data to other computer systems. Such components may be referred to as a "presentation server". In certain embodiments, the presentation server is a web server for an Internet or intranet website that serves web pages to other participating parties through browsers in their computer systems. The web pages may be served via known TCP/IP protocols and formatted in known formats of standardized mark up languages such as HTML and XML.
Computer systems of system 1 may execute a conventional operating system, including, but not limited to, Microsoft Corporation's Windows (.sup.SM) 3.x, 95, 98, 2000, ME, NT or DOS operating systems; Linux operating systems; Sun Microsystems' Unix Solaris operating systems; IBM's AIX Solaris operating systems; SGI's IRIX Solaris operating systems or other operating systems, including, but not limited to Window's CE, Palm OS, etc. for PDAs, cellular devices, web devices, or other computing devices. The possible software components of a computer system described herein, including operating system and application software, may reside on one or more hardware components providing addressable memory for the computer system.
A participating party's computer system may manage data, including access, retrieval, transfer, addition, deletion, modification and/or storage of data in any variety of known data storage media, including local hard drive, CD-ROM or other mass storage device, local area network servers, wide area network servers, storage resources substantially under the control of the participating party on a server that is shared with other parties (including servers shared with other participating parties, such as a server provided by an IPCS, as described below), and local RAM, if data is generated on demand or linked to other programs such as spreadsheet or database programs executing in RAM.
Data and information may be formatted by a participating party's computer system for printing, viewing, transfer to another computer system, storage in any of many known formats, including, Adobe PDF; rich text (RTF); SGML formats including HTML and XML; ALLAIRE Cold Fusion CFML; MICROSOFT ASP; JAVA Script MICROSOFT Word, Excel, Access; bitmap, JPEG, GIF, and other graphics standards. It could also be presented in audio or video formats such as WAV, JPEG, and MP3 formats.
The STN 1 may generally be divided into a client side system of participating party computer systems 3 and 4 or network terminals and a server system of IPCS 2.
In a preferred embodiment, IPCS 2 includes a server with a set of program modules 2.03. Each module is a set of software objects and/or program elements, collectively having the ability to execute independently in a separate thread or logical chain of process execution. Each module may be executed as a separate logical server or using a separate physical device. However, for clients such as the consumer computer systems 3 and service provider computer systems 4, the IPCS server may operate as a single logical server available using the network 5.
Various services available to consumers and service providers through the IPCS are discussed in detail below under certain headings for each service. Other modules relating to technical implementation of the services are as follows. The IPCS may include a login module for controlling access to resources on IPCS 2. This module is responsible for password checking, access control, and assignment of a particular service program module to service the client. Each participating party computer system is serviced by a specific login module. The IPCS also may include a consumer module and service provider module for handing all server-side application requirements of consumer computer systems and service provider computer systems, respectively. The IPCS also includes an administration module that handles all server-side application requirements of an administration station associated with the IPCS.
The IPCS may also include various external interface modules for converting incoming data, such as application or enrollment form data to a format for communication with the respective application module or database. The IPCS may also include various external service modules. Each external service has a module for communicating with an external service and for obtaining information in a format required by the external service. For example, one of the external service modules could be used to obtain credit scores and reports from credit reporting agencies. Another module that may be included on the IPCS is a notification module. This module handles notification and electronic mail communication with the participating parties. The IPCS may include a database interface module. This module handles all interface requirements between application modules and the databases. For example, the database interface module manages (a) the number of simultaneous connections to the database such that the total number is maintained within applicable license agreements; and (b) any integrity problems in interactions between application modules and the databases. Thus, this module allows the IPCS to be connected to different types of databases such as relational databases or object-oriented databases. Another module that may be included in the IPCS is a consumer profile module. This module receives the consumer profile data sent to the IPCS and performs intake operations on the data so that it may be used in other modules.
For purposes of example and not limitation, the contemplated data types used in the STN include details supplied by a consumer to an online service application, enrollment form, or request for quote of service program details. For example, the details could be supplied to an application for auto insurance; to a consumer profile form that includes fields for consumer attributes and/or service selection criteria. Likewise, service providers could communicate data representing details of a service program offered by a service provider, e.g. terms of insurance coverage such as costs, limits, and deductibles.
Hereinafter "consumer profile" data means any data supplied by a consumer for use by the IPCS in a program module 2.03(a)-(h), discussed below. It includes data relating to a consumer's personal attributes, service sector interests, service provider and/or service program selection criteria or preferences. Hereinafter "service provider profile" means any data supplied by a service provider for use by the IPCS in a program module 2.03(a)-(h), discussed below. It includes data relating to a service provider's service sector, company information, and service programs and/or offerings. A data capture server associated with a computer system of a participating party may assign data to a database, import or convert the data into a file format, or make the data accessible to application software (program modules), which may process, evaluate, or otherwise compute the data.
STN 1 may include one or more web servers for presenting and/or capturing data. IPCS 2 would usually include or otherwise be directly associated with a web server and associated data store or database, as indicated in
To illustrate certain features of the present invention, the following description is in terms of an online application for auto insurance. However, persons skilled in the art will recognize that this is not a limiting example but serves as a representative example of how the present invention could be applied for a variety of different services over a variety of service sectors. In this example, an online application may be presented to a participating party, such as a consumer, from any number of sources including the IPCS 2 or an insurance broker's website. In the latter regard, the IPCS may include web pages with a link to the insurance broker's website. An application, enrollment form, or response to a consumer's request for information may also be emailed or otherwise electronically communicated to a consumer by the IPCS 2 or service provider computer system 4. The application may also be presented to an insurance broker or other participating party that completes the application on behalf of a consumer, or assists the consumer in completing the application.
In a preferred embodiment, the auto insurance application for presentation to a participating party is located on a web server that is part of the IPCS 2 or otherwise associated therewith. In the case of online auto insurance, the application may be served to the consumer through HTML, XML, Java Script, ActiveX, Applet, CFML, MICROSOFT ASP, or through other known mechanisms or formats that can be retrieved by a consumer through a conventional web browser or other known interface. (Other servers in system 1 may use the same mechanisms or formats for interfacing with web browsers on other computers.)
After a consumer completes an application or other form, the resulting application data is captured by a data capture server in the IPCS and logged into a server log. The log records the collected data and may assign an identifier or key value to the data. For example, the identifier could be an indicator of any number of things including the time of receipt, source (e.g., the particular consumer's name or login id), etc. The logged data may then be parsed by a software module program or script that assigns items of the raw data into predefined fields in a database in IPCS 2. Data input by consumers into electronic forms may be parsed, for example, by custom software, available freeware, or commercially available XML parsers, in the case of XML form data. The parsing program may be created or adapted using standard program techniques that are known or within the skill of persons in the art. The parsing program would be designed to map data from, for example, the auto insurance application into database records. Alternatively or simultaneously, the data may be directed by a script or other program directly into a program module for processing the data.
In a database for storing the application data, each record would be composed of one or more fields that correspond to the class of an item of data and/or the value of an item of data. Any field may be keyed to any one or more other fields. For example, in the case of a loan application, the database would contain tables that include a field for attributes (application details) such as age; place of residence; amount of insurance coverage sought; service subscription details, desired deductibles, billing and account details, incentive program details, etc.
In like manner, database records may be created for any other consumer profiles, service provider profiles, and other categories of collected data. It is contemplated that a single consumer may create a single master profile, or any number of separate profiles relating to, for example, separate service sectors.
Databases may be based on any number of known DBMSs, including hierarchical databases, network databases, relational databases, and object oriented databases. Suitable DBMS are widely available and include Oracle, Sybase, Microsoft SQL Server, and DB2. One suitable database system is a relational database based on SQL language. A suitable SQL database would typically include a Data Definition Language (DDL) for creation of a new database and new objects within an existing database; a Data Manipulation Language (DML) for processing existing database objects; and a Data Control Language (DCL) for administering permissions and other security-related issues. The data processing is handled by a database engine and can be accessed by various querying means, including Boolean logic evaluation, proximity calculations, and fuzzy logic evaluation. The databases of the present invention may also be custom designed, the design process and features being well within the skill of persons in the art. U.S. Pat. No. 5,983,220 of Schmitt, entitled "Database Evaluation System Supporting Intuitive Decision in Complex Multi-Attributive Domains Using Fuzzy, Hierarchical Expert Models" discloses, among other things, systems and methods for constructing and querying databases and returning and presenting results of database queries. The '220 patent is hereby incorporated by reference for all that is disclosed therewithin as if set forth herein in its entirety.
One or more data channels may be defined for the transmission of data between components of a single computer system or between different computer systems. As used herein "data channel" means a logical event, not necessarily a physical channel, directing the flow of data into computer storage and/or processing systems. Data channels are determined by the structure of, for example, a loan application, or the way answers are coded into database fields, and the programs that are to operate on predefined categories or items of data. A data channel may also be a logical or computed combination of other data channels. More specifically, there could be a data channel assigned to each service application or enrollment form attribute. For example, data from a database in IPCS may be introduced into one or more program modules 2.03(a)-(h) (described in more detail elsewhere herein) that perform a predetermined operation on data. The database in IPCS 2 is also in communication with a server in IPCS 2, as indicated in
One or more of data channels may communicate data from a database associated with IPCS 2 to applications in the IPCS or other participating party's computer system calling for stored data. It will be understood that any other components of STN 1 may communicate defined fields of data to another system component along a data channel assigned to a field(s) of data. For service applications, enrollment forms, etc., the predefined data channels may include one or more data channels for transmitting data relating to a service application or enrollment form details; consumer profiles; service offering details; terms of service; billing details; payment details, etc. It is to be understood that such data channels are for illustrative purposes only and should not be construed as a limitation on how data may be communicated between system components.
One or more program modules 2.03 may be included in one or more participating party computer systems to process data output from another participating party to generate desired forms of information or to initiate transactions between participating parties, as described below. Preferably, the modules are included in or otherwise directly associated with IPCS 2. Information processed in IPCS 2 may be presented to an end-user in any known form of communicating information, including: printed reports, emailed reports; server-stored reports accessible to end-users over a public or private network, including website posted reports. In a preferred embodiment, a presentation server in IPCS 2 may serve web pages to remote computers systems through conventional TCP/IP protocols or other known protocols. The web pages may be presented through conventional web browser applications such as INTERNET EXPLORER series of web browsers by Microsoft Corporation, or the NETSCAPE COMMUNICATOR series of web browsers by Netscape Communications Corporation.
Service Comparison/Selection Module
The IPCS 2 may include or be associated with a computer system that includes an Automated Service Monitoring Module 2.03(a). In one possible embodiment, the module operates as follows. IPCS 2 allows consumers to shop and compare services from a variety of service providers over a variety of service sectors. These service sectors include those that consumers pay for on a monthly basis, for a flat fee or for free. The service sectors include, without limitation, telecom (local and long distance, cellular, paging, voice over IP, calling cards, etc.), utilities (gas, electric, water, heating oil), cable television, Internet service, satellite television broadcast systems, financial (credit cards, banking, stocks, bonds, mutual funds, retirement planning, etc.), loans (home and auto), and insurance (home owners, automobile, life, health etc.). However, these sectors represent just a few examples of the available service sectors that could be included in the system of the present invention.
The IPCS also allows consumers to compare services based on certain criteria or attributes selected by the individual consumer in creating or updating a consumer profile for use in querying a database of service providers or programs. The IPCS either could contain a database with service provider profiles or could be associated with another computer system, e.g., service provider computer systems with appropriate databases containing details of service programs. Database queries can be structured in a number of ways that could produce useful information. For example, a consumer could create a consumer profile to query the database(s) based on sectors of service, service providers, attributes of service (e.g., price, coverage, term, deductibles, etc.).
To illustrate, the consumer could select health insurance, ISP, and long distance phone service sectors in a search for best service programs in each sector. The consumer could select further attributes to help define a best program in a sector. Attributes could include price, company rating, in the case of ISPs, number of hours included in a flat rate plan, etc. Search results could be returned to the consumer according to preferences, interest or profile attributes. For example, If a consumer is most concerned with price, the available services can be listed in order from least expensive to most expensive, given the same scope of service. If a consumer is most concerned with service levels, the available services can be listed in order from highest rated service levels to least. If a consumer's profile indicates a particular region of residence, results could be returned according to a service provider's proximity to the region. Other parameters, or combinations thereof, may also be selected and/or weighted by the consumer to develop a results list.
The above-described comparison/selection service could be provided to users free of charge. Fees may be provided from the service provider in the form of sign-up fees and/or ongoing percentages of the monthly billings.
Automatic Bill Payment Module
The IPCS 2 may include or be associated with a computer system that includes an Automatic Bill Payment Module 2.03(b). In one possible embodiment, this module operates as follows. The module helps consumers to avoid the time consuming, often painstaking task of paying bills each month. The Internet billing and payment service allows consumers to securely receive and view electronic copies of their monthly bills on their personal computers in the comfort and privacy of their own homes. The users can control the amount and timing of their electronic payments, manage their own payment records, and save the time and expense of making payments through traditional mail.
According to the present invention, the bills are forwarded, either electronically or via mail, to the IPCS 2 or a selected third party e-billing provider, such as PAYMYBILLS.COM or YAHOO!. The bills may be parsed, scanned or otherwise input into the site operator's computer system, e.g., the IPCS. The IPCS notifies the consumer by email or other electronic messaging or notification system when the bill "arrives," i.e., is processed. At that point, the consumer reviews the bill online, selects the amount of payment, and when the funds are to be transferred. When the appropriate time arrives, the site operator transfers the funds from the consumer's bank to the billing party. In a preferred embodiment, a consumer logs into the website provided on the IPCS and accesses a web page for managing one or more service provider accounts. The web page either provides or links to other pages that show bills from the service providers. The web page(s) include user interfaces that allow the consumer to input payment amounts and other details related to making a payment. The consumer can then send the payment electronically to the service provider. The IPCS acts to route the data relating to the payment to the consumer's financial institution responsible for making the payment (e.g., bank, credit union, credit card company etc.) and simultaneously to the service provider. When the service provider receives payment, it will update the consumer's account to reflect that payment has been received. The IPCS can also be updated with the details of the transaction. The consumer may access the updated account information through the IPCS or directly through a website on the service provider's computer system. In an alternative embodiment, the consumer can use web page user interfaces on the IPCS to authorize the payment to occur in a truly automatic mode. In other words, based on instructions issued by the consumer through the IPCS, amounts that are due under one or more accounts will automatically transfer to the service provider on a given date without user intervention. Of course, bills could be electronically transmitted to the consumer before or after the transaction so that the consumer has an opportunity to question unusual charges.
It is anticipated that the automatic bill payment feature would be provided to consumers for free, a monthly fee, or a per transaction fee.
Automated Services Monitoring Module
The IPCS 2 may include or be associated with a computer system that includes an Automated Services Monitoring Module 2.03(c). In one possible embodiment, the module operates as follows. The module automatically notifies consumers if a service becomes available which better suits their needs or preferences, as reflected in consumer profiles. These "needs" or "preferences" can be based on price, service levels, or other distinguishable qualities. The consumer accesses the IPCS via user interfaces such as web pages stored on the IPCS and creates a profile by entering or calling up present service attributes and prioritizing certain service criteria, such as price or service levels for each service sector of interest. The profile is stored and used periodically in a query of the service program databases. And, if another service becomes available which surpasses the selected criteria, the consumer is notified via email or other electronic messaging or notification means, such as instant message, or updates to an account page on the IPCS or a web portal of particular service provider or a portal for a collection of service providers. The notification preferably includes means to accept a service program and institute services. A page on the IPCS for a consumer's personal access may also be automatically updated in the IPCS database to post service program offerings and/or to reflect changes in service programs that are offered. Typically, this feature would be provided to consumers for free, for a fee per transaction, or for a monthly fee. The foregoing features could also be used to notify the consumer of offerings in service sectors where the consumer is not enrolled in a service but for which the consumer has created a profile expressing interest.
Automated Best Services Selection Module
The IPCS 2 may include or be associated with a computer system that includes an Automated Best Services Selection Module 2.03(d). One possible embodiment of this module is as follows. The module is similar to and may work in conjunction with the Automated Services Monitoring Module referenced above. Once the Automated Best Services Selection Module finds a service which better suits the needs or preferences of a consumer, the consumer can be automatically switched to that service directly by the IPCS. According to the present invention, the consumer selects this feature, provides authorization for the site operator to act on their behalf with respect to service selection, and creates a profile(s) by entering present service attributes and prioritizing certain service criteria, such as price or service levels. The profile is stored in a database included in or associated with the IPCS. Periodically, the program module included in or associated with the IPCS determines whether a profile matches a service offering provided by a service provider. The attributes for a service offering are also stored on a database included in or associated with the IPCS. An example of an associated database containing service offering attributes would be a database maintained by a service provider. If the program module on the IPCS determines that another service becomes available which surpasses the selected criteria in a consumer profile, the consumer is automatically switched to that service. Alternatively, the consumer may be prompted by email or other electronic messaging or notification system (e.g. web page accessible by consumer) that a better a matching service has come available. The user can then electronically accept the service offering through a user interface presented with or otherwise associated with the electronic page having the details of matching services. The current service criteria is then stored, and is maintained until another service provider is found which surpasses the then current criteria. The foregoing features could also be used to enroll the consumer in service sectors where the consumer is not enrolled service but for which he or she has created a profile expressing interest.
In one embodiment, the consumer's profile is automatically created from the consumer's existing subscription of services. Using well-known programming techniques, a parsing or database querying program may be written that looks up details of each user subscription stored in a database or file on the IPCS. The program then parses or searches for predetermined attributes that are in the file or database and creates a profile therefrom. The profile may then be compared against service provider programs or offerings for matches.
In the foregoing embodiments, the program module may be set to not only return full matches but also partial matches. A consumer may be automatically enrolled based on a partial match, if the consumer has agreed to some criteria for partial matches. Alternatively, the consumer may be presented details of the partial match and prompted for acceptance or rejection.
This feature could be provided to consumers for a monthly fee, for free, or for a per-transaction fee. The functionality can be provided directly by the IPCS 2 or subcontracted to a third party provider.
Services Search Module
The IPCS 2 may include or be associated with a computer system that includes a Services Search Module 2.03(e). One possible module is as follows. The Module allows consumers to search for services that are not represented on the system site. The consumer enters certain descriptors or "keywords" and then initiates a search. The search results are listed in order of relevance. This feature would normally be provided to consumers for free and powered by one of the many available search engines such as AltaVista, Yahoo!, Excite, or by a custom developed search engine.
Incentive Program (Universal Points.™ System) Module
The IPCS 2 may include or be associated with a computer system that includes an Incentive Program (Universal Points.™ System) Module 2.03(f). One possible embodiment is as follows. The module allows consumers to accumulate "points" based on the services they have selected using the IPCS and the monthly billings for such services. Consumers accumulate Universal Points.™ or U-Points.™ based on the monthly dollar amounts paid to the service providers participating in the IPCS website program. The consumer can then "cash in" their U-points for selected prizes offered on the site. The number of U-Points required for a particular prize varies depending on the cost of such prize. The prizes are provided by sponsors which may be given advertising on the website in lieu of payment.
Data Mining Module
The IPCS 2 may include or be associated with a computer system that includes a Data Mining Module 2.03(g). One possible embodiment of this module is as follows. The module allows the IPCS to analyze a potential consumer's bills and spending habits to determine if another service offered through the IPCS better suits their needs. Through strategic partnerships with financial planning entities and bill payment services, the IPCS will be able to mine the data of consumers and then offer most cost effective solutions. Data mining software could be custom designed or obtained from commercial sources. For example, data mining software is commercially available from a variety of commercial sources. For example, SPSS, Inc, Chicago, Ill. (www.spss.com) produces various commercial software products for data mining. In addition to the foregoing, the data mining could be directed to other needs of participating parties. The data may be analyzed or processed to generate statistical, demographic, and other pertinent information about consumers; service programs; consumer satisfaction with service providers; service programs and/or offerings; and market research information. The Data Mining module could be ported to or otherwise integrated with the Incentive Program Module to support the functionality of other modules 2.03 described herein, such as the Incentive Program Module or the Pooling Module.
Pooling Module
The IPCS may include or be associated with a computer system that includes a Pooling Module 2.03(h). One possible embodiment is as follows. As the IPCS base grows, so will the potential to negotiate better rates with the service providers. Once a particular service and/or service provider reaches a critical mass of consumers and monthly billings, the IPCS automatically or through administrators will contact the respective service provider computer systems or administrators and negotiate better rates for its patrons. The consumers may be given incentives to participate in pooling programs offered by certain service providers or groups of service providers. For example, consumers could be notified that if the total number of consumers enrolled in a certain program reaches a particular level, the cost of service to the consumer will decrease a certain amount. The discounts could automatically be applied through the IPCS pooling module and consumers notified accordingly. In another embodiment that could be implemented in conjunction with the Data Mining Module, service providers are notified of total enrollment of consumers in a particular service sector across a variety of service providers in the sector. Based on the numbers, service providers could offer pooling programs or other special offers through the IPCS. The Automated Best Services Monitoring Module and Automated Best Services Selection Module could also be integrated into the foregoing so that consumers automatically learn of or are enrolled in service programs that best match their profiles.
In view of the foregoing, it can be seen that combinations of the foregoing modules 2.03(a)-(h) in the IPCS should result in substantial synergies, improving significantly over the prior art.
Data captured from a user interface form may be used to construct and submit a query 3.7 to a database(s) of service provider profiles to determine 3.8 matching programs or offerings. The query can include instructions to return partial matches. It is also noteworthy that the captured data can be directly used in a query without first storing data in a database associated with IPCS 2.
If a program is found that matches (this might be a partial match where partial matches are deemed acceptable) a consumer profile to a predetermined degree, the consumer may be automatically enrolled 3.9 in the program(s) or offering(s) or notified 3.9 of such programs or offerings. If a matching program or offering is not found, the consumer may be notified 3.10. Although not shown in
The business model of the present system may generate revenue to the operator of the IPCS in one or more ways, including: a service provider "signing bonus," a percentage of the monthly service provider, billings and/or advertising revenue.
Typically, service providers pay signing bonuses to brokers or resellers when they sign up a new consumer. For every service consumer that signs up through the system site, revenue will be generated in the form of the signing bonus. In addition, it is common for service providers to pay brokers or resellers a percentage of a consumer's monthly service fees to prevent "churning." This commission varies according to the particular service and provider, however, this will add to revenue on a monthly basis. Lastly, revenue may be generated from the advertisements, banner or otherwise, which appear on the site.
Other revenue streams may be generated from the fees charged to consumers for certain site features, including the automatic bill payment service or automatic best services selection. Where the system site does not provide the particular feature or service internally, revenue streams will be generated from the commissions paid by the third party providing the feature.
Other possible sources of revenue include promotional fees paid by the selected services search engine and the selling of the consumer list.
Example Features for Administration of Participating Party Computer Systems
The IPCS may include one or more of the following administrator resources:
administrator resources that allow an administrator of the IPCS, or a participating party authorized by the administrator, to post content or input data to the IPCS or computer systems associated with the IPCS;
administrator resources for setting access permissions, security procedures, and login procedures for participating parties;
administrator resources that allow a participating party to control who has access to IPCS resources; and
administrator resources that allow participating parties to post certain kinds of content to IPCS 2.
To streamline the interchange of data and files between participating parties, the interchange party may provide other participating parties standardized electronic pages in the nature of customizable forms, formats or templates for the creation of data input forms. As indicated above, the forms could be provided in electronic pages written in SGML such as HTML or XML. For consumer participating parties, the pages could include predefined form fields for input of data such as name, address, age, and other consumer attributes. A master consumer profile form could allow a user to create a profile that would be as comprehensive as possible for the attributes need by all sectors of service providers. The relevant portions of the profile could then directed to various service providers in various categories. It can also be used in the best services and automatic bill payment features, discussed above.
The forms could include popup menus so a consumer does not need to input every attribute, but can select choices from a menu list.
The IPCS may provide administrator interfaces for service providers or others on their behalf to input into the IPCS a service provider profile that includes details of their service programs, offerings, and other relevant information. The administrator interfaces may include, for example, customizable user interfaces in the form of web pages. A service provider may use and customize the web pages for presentation to consumers via the IPCS. For example the web pages could be customized to provide:
descriptions of service programs and offerings by the service provider;
price and other terms of service;
uploadable files to consumers in the form of applications or enrollment forms or in the form of informational material, guidelines, any other documents the service provider wishes to make available to consumers about the company or its services (the files could be uploaded in any number of formats including HTML, .pdf, XML, .gif, .tif, or text);
contact and company information;
links to the service provider's own website that resides on the service provider's own server and/or links to other relevant sites; and
data input fields for consumers applying or enrolling in service programs online, paying for services, requesting information, etc.
The foregoing embodiments are for illustrative purposes and are not intended to be limiting, persons skilled in the art being capable of appreciating other embodiments from the scope and spirit of the foregoing teachings.
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|12 Jan 2011
Owner name: LEOD NETWORK HOLDINGS L.L.C., DELAWARE
Free format text: IP SALE AGREEMENT;ASSIGNOR:RIGOLE, ROD;REEL/FRAME:025622/0713
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|12 Apr 2012
Owner name: LEOD NETWORK HOLDINGS L.L.C., DELAWARE
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|Fee payment
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text:
Ride Safe, Ride Lots
Ordered some parts for the build today, some handlebars from Mikes XS, some rear view mirror and adapters from the Motorcycle Superstore and a chrome headlight ring from Max. Just scraping the surface in regards to what we need to order, but just getting a few easy things out of the way. Hope everyone has a great Easter.
Great new pit crew member! Congratulations!!!
Like this project too.
Pass the mustard and UP THE REVOLUTION!
The custom parts that Boxer Cafe www.boxercafe.com has made for us are ready, still a couple of parts left but this is some of it. Thanks for following!
Parts include: Starter Cover, Battery Relocation Kit (under seat), Cafe Tail, Slash 5 Cafe Fender. They are still working on the aluminum battery hold down strap and the new design for the seat pan.
Shane, are those Boxer Cafe stock parts? What is custom about them? I have not seen the starter cover before. The other 2 look like what is on the web site, that's why I ask. Are you going with a rear fender or eliminating it?
We are going with a new more modern ignition and Josh is going to RetroFit a key into the Beetle Type Key Fob. I did not even know this was the design until Josh showed me, one of the advantages of never seeing a R75 in person before, I have all these surprises ahead of me. Thanks for following,
Josh did a little work this weekend on the bike, did some polishing and sanding of the hand controls.
We are going to go with all new wiring harness throughout the bike, Josh referred to this as a Bird's Nest and I think that comment is very fitting, thanks for following,
Thought you boys might enjoy this as much as I did.
I wish the film wasn't to "artsy". It might be just me, but she didn't look too comfortable on the bike, almost as if she had just barely learned to ride in order to make the film. I've heard of people starting their bikes that way...I do it standing beside the bike, though.
Kurt -- Forum Liaison ---> Resources and Links Thread <---
mine-ineye-deatheah-pielayah-jooa-kalayus. oolah-minane-hay-meeriah-kal-oyus-algay-a-thaykin', buddy!
The real problem with the film is that it's a perfect example of bad film making. Theres no evidence of the film having been planned or story boarded. All they did was shoot a lot of unfocused, random stuff and intersperse it with shots of someone's girlfriend riding a BMW. and to think... The film maker probably earned a BFA for that!
Nice bike though...
I really wanted to do something a little different with the exhaust on my bike. I wanted to get away from the Pea Shooter type exhaust of the 70's. The below photograph is what I used for inspiration. We are going to get an exhaust for an R35 and incorporate it into our Cafe Racer. I just like the meaner look of the exhaust, nothing finalized yet, but wanted to share my inspiration for a different type exhaust, still a BMW product which is also cool. It is my bike's way of paying homage to all the BMW bikes that came before.
Sourced a new one here:

subset: commoncrawl


text:
George Clooney smiled big while filming The Monuments Men in Goslar, Germany, today. He set up a scene with two actors in between chatting and laughing with his producing partner Grant Heslov, who relaxed against a building during shooting. While the two friends are still working on their upcoming World War II film, they may soon be joining forces again on another project. According to reports, George and Grant are in talks to produce Coronado High, a film based on an upcoming article by Joshuah Bearman, whose Wired article on Iran served as the basis for Argo. While Joshuah's article hasn't been published yet, it allegedly revolves around a group of affluent teens who are used to smuggle drugs across the California border.
One person who wasn't spotted on set with George and Grant was The Monuments Men star Matt Damon, who recently traveled to Harvard to receive a special arts award. Matt attended Harvard for nearly four years before he dropped out to pursue acting.


text:
Based on the first two games, is Toronto a better team than last year?
I say, overall, no with one small noticeable improvement off the bench: Hansbrough.
Based on the first two games, is Toronto a better team than last year?
I say, overall, no with one small noticeable improvement off the bench: Hansbrough.
On paper, yes. On the floor so far, the Raptors have shown pinches of growth and improvement - otherwise, looks like the inconsistent defense, and stagnant & inefficient offense we saw last year.
Twitter: @ReubenJRD NBA, Raptors writer for Daily Hive Vancouver, Toronto.
The thing I'm looking for to measure improvement is clutch play. Most will remember that last season we were measurably one of the least clutch teams in the entire league. Through three games this year, we've had two major runs in the last half of the fourth quarter in games against Milwaukee (12-3 run from 5:10 left to 0:25 left) and Boston (11-2 run from 7:40 to 2:30). Even against Atlanta, there was a 9-3 run over 4.5 minutes to make the game close down the stretch. I don't believe the team last year had three late fourth quarter runs in a row. That may prove to be a statistical fluke, or it may set up the the fact that this team, unlike the last few years of Raptors teams, actually has the ability to close out games.
And there's the rub. Was last years winning streak team just winning because the opponents were tanking? They wold have to win this year against teams who still want to win. So far.... so good? You could say Boston is not trying to win but several of the tankers have still pulled out victories so far. The jury is still out.
Way too early too make comparison.
No Bargnani YA better team
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text: Organized in conjunction with the retrospective exhibition Cindy Sherman, this panel discussion features artists, working in a variety of mediums, as they consider Cindy Sherman's influence on contemporary art practice, including issues such as feminism and identity. Panelists include George Condo, Kalup Linzy, Elizabeth Peyton, and Collier Schorr. Moderated by exhibition organizer Eva Respini, Associate Curator, Department of Photography, MoMA. ]]> ]]> html]]>


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Tim Holtz is a brand that always shouts HIGH QUALITY and this is no exception. That quality enables me to use these Hanger Clips on a variety of creative things I am doing and I liked them so much, I'm going to order several more.
These cute little hanger clips are really cool. We ordered extra to send to a family member who loves them also.
These are too cute for words. I haven't had time to use them yet but my GrandDaughter took one for home work.
These little hangers are so cute and will look good on different types of cards
The mini hangers were much nicer than I expected. Excellent quality.


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To celebrate its 30th anniversary, the Little Tikes Cozy Coupe has been given a whole new look that children will just love. Complete with a working horn, storage area and smiley face, this classic ride-on is just the thing for the free-wheeling toddler in your life. The Cozy Coupe rolls on rugged, durable tyres and comes fitted with front wheels that spin 360º for all-direction fun. It also features a steering wheel, removable floor, ignition switch and open-and-close fuel cap, along with a handle for parent-controlled push rides.
23kg/50lb weight capacity. Age range - 18 months to 5 years.


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Wisconsin League's Brett Thompson Feted by AACUL
The AACUL awarded its highest honor – the Eagle Award – to Brett Thompson, president/CEO of the Wisconsin Credit Union League and former AACUL chair, during the organization's annual meeting last week in Washington, D.C.
The Eagle award has been presented only 18 times in its 32-year history, the AACUL said. It is awarded to a league president who has an outstanding record of achievement at the league level, speaks out and takes a stand on critical, controversial issues, demonstrates leadership beyond the league level, implements new ideas and maintains an unremitting dedication to credit union and personal principles, the association said.
Mike Mercer, president/CEO of the Georgia Credit Union Affiliates and chair of the CUNA Board, serves as chair of the Eagle Committee and presented the award to Thompson. Mercer cited Thompson's outstanding advocacy work in the Wisconsin state capitol in Madison and in the U.S. Congress.
"Under Brett's leadership, the Wisconsin League has had far-reaching efforts to engage youth in credit unions," said Bill Mellin, chair of AACUL and president/ CEO of the Credit Union Association of New York.
"Wisconsin credit unions now supervise 100 in-school, student-run branches with $3 million on deposit. The in-school branch program also has provided resources to help 405 teachers at 350 high schools achieve state teaching standards for personal finance and created innovative personal finance game Money Mission, which is being used by young people in 48 states to learn basic money management," Mellin said.
Thompson's leadership work also includes leadership positions with AACUL, CUNA, and the Minnesota & Wisconsin Cooperatives.
"Brett has shaped many of AACUL's initiatives over the past 10-plus years. I can't think of anyone more deserving of this recognition," noted Susan E. Newton, AACUL executive director.
During the AACUL's annual meeting, Mellin was re-elected to another term as AACUL chair. Other members of the Executive Board elected include:
· Wendell Lyons, first vice chairman, CEO, Kentucky Credit Union League
· Tracy Kenyon, second vice chairman, CEO, Montana Credit Union Network
· John Radebaugh, treasurer, CEO, North Carolina Credit Union League
· Mark Cummins, secretary, CEO, Minnesota Credit Union Network
· Brett Thompson, immediate past chair, Wisconsin Credit Union League
· Susan Newton, executive director, AACUL


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Carolyn Jenkins was trying to maneuver her wheelchair Monday to make it to the register of Lake Forest Good Samaritan Village's new store, which occupies just 120 square feet.
"I think I got it," she said, pressing the controls on her chair and trying to avoid bumping into anything.
Jenkins bought a couple of dinners and some energy bars and spent $15.25.
"I am trying to make a care package for my grandson who is recovering from knee surgery," she said.
Jenkins said she loves the new store because she doesn't get to shop often.
"Being in a wheelchair, I have to rely on other people to take me shopping," she said.
Bridgette Scott, who started as Lake Forest's new administrator in January, said residents had been working diligently since last fall to open a much-needed store at the senior living community, at 3901 Montecito Drive.
"We are a community, and it does not only involve our living and social situation but also retail," Scott said.
Residents have volunteered to buy items for the store, Scott said. And 22 of them will help sell merchandise, according to a list at the shop.
"I will be here every Monday," said Tina Cupps, a massage therapist at Lake Forest and one of the volunteers.
Cupps said she will work three hours in the morning and three hours in the afternoon to help sell milk, snacks, soup and other items.
Scott said funds from the store will be reinvested to buy new merchandise or to help residents who need assistance paying bills.
The store is open for Lake Forest's 200 residents — some who live independently, some who require assisted-living or rehabilitation and skilled-care services — but the shop is also open to the non-residents, Scott said.
The Denton Good Samaritan Village, at 2500 Hinkle Drive, has had a store for a number of years, Scott said.
Jason Padgett, a business banker with Wells Fargo and a member of Lake Forest's community advisory board, he was glad to see the shop open.
"When I heard they wanted to open a store … we helped them set up all the business accounts for the store," Padgett said. "Now they don't have to go out for their banking … [or] for their groceries."
Forty-five minutes into the store's debut, one item was already sold out.
"We are already sold out of Fig Newtons," Cupps said.
In case of customer complaints, one volunteer pointed to a sign on the wall printed on fluorescent green paper.
"Got a complaint? The Chapel is across the hall," the sign reads. "Pray about it."
KARINA RAMÍREZ can be reached at 940-566-6878. Her e-mail address is email@example.com .
Address: 3901 Montecito Drive
Hours: 9 a.m. to 3 p.m. Monday through Friday
How to help: Volunteers are needed to help staff the store. For more information, call 940-891-0856.


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This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
Dutch Election Study, 1970-1973 (ICPSR 7261)
Principal Investigator(s): Heunks, Felix; Jennings, M. Kent; Miller, Warren E.; Stouthard, Philip C.; Thomassen, Jacques
This election study was designed as a three-wave panel, with the first wave conducted shortly after the Dutch Provincial Council elections of March 18, 1970 (1,838 respondents), the second wave after the April 1971 parliamentary election (1,262 of the first-wave respondents), and the third wave after the parliamentary election of November 1972 (972 of the original respondents). In addition, a questionnaire was mailed to respondents who had refused an interview in the first or second wave, with a total of 356 responses obtained from this mailing. The study focused on the partisan orientations of the Dutch people. Questions were asked in each wave about party identification, electoral choices in the three parliamentary elections as well as local elections, awareness of candidates, issue importance, and political activities. In addition, Wave Two concentrated on the concept of representation: questions focused on citizens' perceptions of the stance of political parties with respect to national issues such as abortion, civil disturbances, aid to developing nations, income distribution, taxation, and defense spending, as well as respondents' opinions on the responsiveness of representatives to citizen demands. The third wave measured changes in attitudes and opinions during the period covered by the entire study. Many of the questions on public policy stands were repeated. All three waves contain information on respondents' family, sex, religion, marital status, education, and occupation.
Access Notes
Data in this collection are available only to users at ICPSR member institutions. Please log in so we can determine if you are with a member institution and have access to these data files.
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Study Description
Heunks, Felix, M. Kent Jennings, Warren E. Miller, Philip C. Stouthard, and Jacques Thomassen. DUTCH ELECTION STUDY, 1970-1973. Conducted by University of Tilburg, the Netherlands, and University of Michigan, Center for Political Studies. ICPSR ed. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [producer and distributor], 1977. https://doi.org/10.3886/ICPSR07261.v1
Persistent URL: https://doi.org/10.3886/ICPSR07261.v1
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Scope of Study
Subject Terms: candidates, election returns, elections, parliamentary elections, party membership, political interest, political issues, political parties, political perceptions, political representation, voter attitudes
Geographic Coverage: Europe, Netherlands, Global
- 1970--1973
Universe: Eligible voters from the Netherlands.
The codebook appendix is provided by ICPSR as a Portable Document Format (PDF) file. The PDF file format was developed by Adobe Systems Incorporated and can be accessed using PDF reader software, such as Adobe Acrobat Reader. Information on how to obtain a copy of the Acrobat Reader is provided on the ICPSR Web site.
Sample: A sample of municipalities was first drawn by stratified random sampling. Criteria for stratification were degree of urbanization, population, and political composition. A random sample of voters was then selected from the municipalities sample.
personal interviews and mailback questionnaires
Extent of Processing: ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection:
- Standardized missing values.
- Checked for undocumented or out-of-range codes.
Original ICPSR Release: 1984-06-19
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Pagosa Springs had every reason to be riding high heading into Tuesday an unbeaten record and the No. 2 ranking in Class 3A chief among them.
Durango, however, had the right pin to pop the Pirates early-season party balloon.
A solid defensive performance and a couple of timely offensive outbursts gave the Durango High School boys basketball team a reason to celebrate Tuesday after a 52-44 win over the previously unbeaten Pirates at DHS.
The Demons (6-2) did their best work on the defensive end, holding a potent Pagosa Springs offense 17 points under its season average. Leading scorer Kain Lucero still found a way to score 24 points, but Durango held his teammates to 20 total, and the Pirates made just 15 of 46 field-goal attempts 32.6 percent.
We have confidence in our defense. Thats what were thriving on for this season, DHS head coach Alan Batiste said. We knew Lucero was going to be the go-getter and the train driver.
Overall, we just knew that we needed to help off of him, show on picks and just pretty much box out. We finally got that together in the second half.
Weve been huge on our defense. Its what we work on; its our main thing, said Ty Elliott, son of Ahne and Russ Elliott.
Lucero did most of his damage in the fourth quarter, when Pagosa Springs (7-1) cut what had been a 15-point lead down to 46-41 on Quinn Smiths layup with 1 minute, 17 seconds to play in regulation.
But Nick Hamlin answered with a layup, and Elliott, active most of the evening trying to weave through Pagosas 2-3 zone, got out in transition and scored on a layup before being knocked into the padding beyond the baseline. He missed the free throw, but by then the damage was done with DHS up 50-41.
A couple of cosmetic buckets, including a half-court heave from Lucero, closed the scoring.
Overall, I think the (three)-week break, you could see it out there (Tuesday). I dont want to make excuses. It kind of showed on our late-game execution because we havent been in that situation, Batiste said.
Through the course of Tuesdays four-quarter journey, Batiste may have found himself a gunslinger. Lucas Baken, who scored 13 in his call-up to varsity duty against Palisade, hit six 3-pointers for 18 points, and his timing couldnt have been better. The freshman hit three down the stretch, including one near the buzzer, to close out the first half and push a tight game to a 26-16 DHS lead at intermission. He also hit a 3 at the horn to close out the first quarter and one to open the second-half scoring and give Durango its biggest lead.
I was just feeding off the crowds energy, and coach gives me the green light, which is awesome as a freshman to have, so I took advantage of it, said Baken, son of Dante and Jessica Baken.
Elliott said the play of Baken and the defensive contributions of a handful of other underclassmen helped take some of the burden off of the starters and more experienced players. The senior guard wasnt too shabby in his own right, scoring six of his 14 points in the fourth quarter to help the Demons hold off the hard-charging Pirates.
Hamlin, despite battling foul trouble, chipped in nine points and seven rebounds for Durango, which shot 47 percent from the field Tuesday night. Willy Frownfelter had eight.
Now, Durango will turn its attention to the Southwestern League, where theyll hit the road once again for their first four games, starting Friday with Grand Junction Central. A big win over a ranked foe, even one a classification lower, provided a chance to shake off the rust and a shot of confidence as the Demons begin their quest for a big benchmark a conference crown.
Were coming into league now, and coming off that three-week break ... thats just a big win. Weve been jonesing for that win, Elliott said.


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Read the full story here Web Link posted Wednesday, September 25, 2013, 5:39 PM
Town Square
Police have identities of four involved in Middleton Place attack
Original post made on Sep 25, 2013
Read the full story here Web Link posted Wednesday, September 25, 2013, 5:39 PM
a resident of Ruby Hill
on Sep 25, 2013 at 6:12 pm
I just wanted to take a moment to say that I wish the Lamont family strength and for Mr. Lamont to make a speedy and full recovery. Your family is in the thoughts and prayers of this local family. And I wish courage upon the youths involved to do the right thing and take full ownership of their actions.
a resident of Livermore
on Sep 25, 2013 at 6:38 pm
This is the kind of event that is traumatic for everybody. It stirs up enormous anger, anxiety, great sadness. May Mr. Lamond eventually feel better and know that many good people desire his recovery.
So tragic and so unnecessary...
I remain hopeful that the guilty parties and all of those that were present be identified publicly and be punished.
a resident of Vineyard Hills
on Sep 25, 2013 at 6:46 pm
Cholo..nice to have your input to be positive and uplifting here...lets all pray for this family and pray he comes too...senseless..praying for his wife and chilren.
a resident of Livermore
on Sep 25, 2013 at 7:44 pm
(Post deemed inappropriate by Pleasanton Weekly Online staff)
a resident of Livermore
on Sep 25, 2013 at 8:04 pm
(Post deemed inappropriate by Pleasanton Weekly Online staff)
a resident of West of Foothill
on Sep 25, 2013 at 9:31 pm
The human body has an enormous capacity to recover, heal, and ultimately thrive again - may the force be with Mr Lamont, his physicians, and his family. Amen.
a resident of Bonde Ranch
on Sep 25, 2013 at 10:52 pm
Why is it taking so long to make an arrest? The police are being too soft on these teens who are accessories after the fact if they don't help the investigation. They are criminals. Please treat them as such and close this case. Even if they didn't throw a punch, how did they not stop it when it happened, or call for help after immediately after it happened, or stand up and tell the police everything now? Were they raised by wolves? Or are they just entitled rich spoiled brats who think mommy and daddy will protect them? A man lies in a coma. This is not just teen hijinks. Please throw the book at them.
Godspeed to the Lamont family.
a resident of Foothill High School
on Sep 25, 2013 at 11:24 pm
I'm so very sorry for what this family has been put through. I will pray for the Lamont family and do believe in miracles. I have two daughters as well that are similar ages and I just can't imagine what their Lamont sisters are going through living such a nightmare. I hope the family will continue to communicate through the PW and please let this community know what we can do to help. There are so many of us that would like to do something/anything that might be of any assistance at all. Please know we are here for you.
I do appreciate the previous comments about being hopeful that the teens involved will show the courage to own up to what has happened. In my humble opinion, the only thing worse for the Lamont family would be having to deal with years of legal proceedings over their loved one being savagely beaten.
I too wish the police were making immediate arrests and want to be upset that they have not. But then I remind myself of how they handled the Cody Hall situation and even though it was not immediate, the system worked and I pray this is the case here, but with these teens stepping up as previously posters have so eloquently stated.
Please stay strong Lamont family. And PLEASE be sure to let your community know what we can do for you. Any little thing at all. We are here for you. With much love.
a resident of Ruby Hill
on Sep 26, 2013 at 12:27 am
(Post deemed inappropriate by Pleasanton Weekly Online staff)
a resident of Another Pleasanton neighborhood
on Sep 26, 2013 at 7:54 am
I believe the PD has likely not made arrests yet because they have not completed the investigation. An investigation like this is very complex and time consuming. If they rush it and make an arrest but leave out a small detail, that can lead to a case being dismissed and no criminal charges against a suspect. I'll bet the PD wants to make an arrest just as bad as the general public does but a thorough investigation is key. Just because the juveniles were there, does not automatically mean they can be charged. Look up the legal definition of an "accessory", its going to require a bit more than what was published here to develop criminal cases. Contrary to popular belief from TV shows, if they were witnesses and did not intervene or call the police, it is not automatically a violation of a criminal statute.
a resident of Another Pleasanton neighborhood
on Sep 26, 2013 at 8:32 am
Post removed by Pleasanton Weekly staff.
a resident of Stoneridge
on Sep 26, 2013 at 8:55 am
Post removed by Pleasanton Weekly staff.
a resident of Laguna Oaks
on Sep 26, 2013 at 8:55 am
Mr.Wohltmann's 'sensationalistic reporting' was straight out of the PPD press release.
I am with FHS Mom on this one. Prayers for the family.
a resident of another community
on Sep 26, 2013 at 9:01 am
Dear Cholo, I was very surprised to hear something so warm and positive come from you. Your normal posted comments are anything but pleasant. Maybe you are starting to realize that being nice is much better than throwing rocks.
Well my thoughts we quickly changed when I noticed the Express deleted two of your comments...They deemed them inappropriate to be published.
Thanks for listening, Julia Pardini from Alamo
PS...Maybe the first Cholo was a wannabe Cholo and not the real Cholo
a resident of Oak Hill
on Sep 26, 2013 at 9:41 am
Post removed by Pleasanton Weekly staff.
a resident of Amberwood/Wood Meadows
on Sep 26, 2013 at 1:59 pm
AC....what you fail to realize is everyone is treated as a witness until a crime can be proven in a court of law...may I suggest you attend a Citizens Academy at the PD so you can deepen your obviously shallow knowledge pool.
a resident of Valley Trails
on Dec 2, 2013 at 11:23 am
ravetildon is a registered user.
An account was set up for people to donate money to them to help with bills - Web Link


text: 1. the natural way (basically the wegner method) easiest and most efficient way to learn tennis 2. the traditional way (i dont know what else to call it. probly a bad name) learning all the details of stroke techniques. this allows for your skills to ADVANCE and get better 3. the mental game most of my mental game info come from "inner game of tennis" and his "relaxed concentration" this allows you to play up to your best abilities. all three are equally important in my opinion


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COURSE: 16-307 Pharmacology for Sport and Exercise Science (1)
This course will introduce the student to basic pharmacology concepts including: pharmacokinetics and the effect of exercise on these processes. Nomenclature, laws, regulations, and procedures related to pharmacology and sport will also be discussed. Prerequisite: Admission to the Athletic Training Program, and approval of the ATEP Director. Offered: spring


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The university is closed today, Jan. 13 2018. Learn more.
Home | News | What's Happening
Beginning fall 2011, Point Park University is offering two new online certificates in Adult Education and Administration and Public Administration. The 18-credit certificate programs are entirely online and designed for busy professionals to complete in just 12 months.
The Adult Education and Administration post-baccalaureate certificate is open to individuals who already possess a bachelor's degree and seek specific knowledge in adult education and administration.
With seven-week courses, students focus on the objectives for one course at a time allowing for deeper understanding of the content area. The program includes effective adult instructional methods, yet its primary focus is on administration, supervision and leadership in adult education settings.
The stand-alone certificate can also be a successful lead into Point Park University's Master of Arts in Curriculum and Instruction, which would be completed on campus.
The Public Administration certificate program includes six courses, three required and three electives. Students can choose from classes in personnel management, budget and finance, disaster management and other courses that will help them reach their education and career goals.
The stand-alone certificate can also be a successful lead into an Associate in Science in Public Administration or Bachelor of Science in Public Administration at Point Park University.
For more information about the online certificate and other programs for adult students, contact the Office of Graduate and Adult Enrollment, at 412-392-3808 or email@example.com.
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From press reports
GT Physical Therapy recently became the first medical facility in Mississippi to have its doctors of physical therapy certified in providing a procedure called Dry Needling. With a similarity to acupuncture, dry needling is a modern Western technique used to remedy physical aches, pains, and problems that aren't responding well to conventional care.
Dry Needling differs from acupuncture in that there is no use of the traditional Chinese Medicine concepts of moving chi or energy in order to treat disease. The modern Dry Needling practitioner uses scientific principles grounded solidly in anatomy and physiology to stimulate healing and decrease pain involving nerves, muscles, joints, tendons, ligaments, and their attachments. Much of the focus is on targeting areas that need to be stimulated to heal, or to be relieved of pain (trigger points).
Studies attest to the success of Dry Needling especially in cases of physical pain problems that are not responding to usual care. When Dry Needling is included, patients get out of pain quicker and return to living, playing and working sooner. This procedure also helps physicians decrease the amount of medication needed to help with certain conditions – especially back pain and arthritis of the knee.
Evidence continues to mount regarding how beneficial this treatment is in treating pain, and restoring function, because it is safe, natural, saves money, and decreases the need for medication. Physicians are also looking for this type of therapy for their patients as the American College of Physicians and the American Pain Society recommend it for certain types of back pain.
Common conditions that Dry Needling may be of benefit for are knee arthritis, chronic pain conditions, neck pain, shoulder pain, mid back pain, low back pain, hip/buttock pain, sciatica, heel pain, tennis elbow and carpal tunnel. Problems that have healed but continue to have "background" pain/ache are also good responders to Dry Needling.
With a widespread reputation for rapidly remedying some of the most difficult pain conditions, GT Physical Therapy is excited to bring this procedure to the areas it serves. As Wade Baskin, PT, DPT states, "It's not about being first, it's about being the best for each and every patient. We love seeing the look on peoples' faces when they move – and there's no pain. Adding Dry Needling has just strengthened our abilities to help more people move better, feel better, and heal faster."
For more information, GT Physical Therapy can be reached at 662-773-3700.