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This disclosure relates to a system, method, computer program product, and data signal for providing local marketers with an affordable, efficient, media-related service for planning and executing a marketing communications campaign using a computer-implemented system. The system and method provides the advantages typically available only to larger purchasers without having to maintain the advertising budgets of such large purchasers. The system allows the user to input preferences about the media/communications campaign into interactive worksheets. The preferences are used by a set of intelligent decision rules to produce prototype plans which present a week-by-week schedule of media purchasing as well as an allocation to various media/communications classifications. The system also allows the purchaser to vary the preferences and see the effects of the variations on the prototype plans. Once a plan is approved, the system facilitates media purchases with strategic media/communications providers at discounted rates. This system provides the small purchasers with all the buying clout of a large purchaser, provides expertise to those who may lack it, and significantly reduces the time and costs currently required for media planning and buying.
1. A method for planning and executing a marketing communication using a computer-implemented system, the method comprising the steps of:
providing a user with interactive guided worksheets for inputting a plurality of campaign criteria data;
providing an intelligent planning engine for generating a plurality of alternative media plans based on the plurality of campaign criteria data and on a plurality of pricing information retrievable from a cost database;
allowing the user to manipulate the alternative plans until the user is satisfied and selects a user-approved plan; and
automating an approval for a purchase of a plurality of media classifications that are described in the user-approved plan.
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11. A system for planning and executing a media campaign comprising: a storage device, a means for receiving data; memory; a program module; an output device; a cost database, and a processor responsive to a plurality of instructions from the program module, being operative to:
provide a user with interactive guided worksheets viewable on an output device and allowing the user to enters campaign criteria data into the interactive guided worksheets using the input device;
communicate with an intelligent planning engine to generate a plurality of alternative media plans to be displayed on the output device, the alternative media plans being based on the plurality of campaign criteria data and on a plurality of pricing information retrievable from the cost database;
allow the user to manipulate the alternative plans until the user is satisfied and selects a user-approved plan; and
automate an approval of a purchase of a plurality of media classifications that are described in the user-approved plan.
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22. A computer program product for use with a computer, said computer program product comprising:
a module for providing a user with interactive guided worksheets for inputting a plurality of campaign criteria data;
a module for providing an intelligent planning engine for generating a plurality of alternative media plans based on the plurality of campaign criteria data and on a plurality of pricing information retrievable from a cost database;
a module allowing the user to manipulate the alternative plans until the user is satisfied and selects a user-approved plan; and
a module for automating an approval of a purchase of a plurality of media classifications that are described in the user-approved.
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33. A data signal embodied in a carrier wave comprising: instructions for receiving the objects transmitted by carrier wave and media planning data including:
compilable data that allows a user's terminal to display an interactive guided worksheets and inputting a plurality of campaign criteria data in the interactive guided worksheets;
compilable data representing a plurality of alternative media plans based on the plurality of campaign criteria data and on a plurality of pricing information retrievable from a cost database;
compilable data that allows the user to manipulate the alternative plans until the user is satisfied and select a user-approved plan; and
compilable data for automating an approval of a purchase of a plurality of media classifications that are described in the user approved plan.
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44. A method of populating a media campaign, the method comprising the following steps:
selecting a set of media types;
selecting a duration for the media campaign;
designating certain weeks in the media plan as hiatus weeks and certain weeks as active weeks;
setting a minimum and maximum weekly weight level of purchasing points for each active week; and
allocating purchasing points to each active week according to a selected order of priority.
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[0001] This application claims priority under 35 USC �119(e) to of U.S. Provisional Application No 60/364,265, filed Mar. 14, 2002, which is expressly incorporated by reference herein.
[0002] The discipline of marketing communications uses a range of communications classifications to deliver selling messages to potential customers. Mass media advertising, typically defined as paid time or space on classifications such as broadcast stations, cable TV, Internet and other electronic media; and print publications or public signs is the most widely known and visible. Marketing communication classifications also include such classifications as direct mail advertising, sponsorship of sporting events or other special events, and product sampling programs.
[0003] Companies purchased $215 billion of mass-media advertising in the U.S. in 1999. Over $70 billion was spent in 2001 just for direct mail advertising. These types of media were purchased by two primary categories of advertisers. The first group consists of large purchasers who spent more than $2 million and represented 46% of all purchased media in 1999 ("Large Purchasers"). Many of the Large Purchasers are Fortune 1000 companies who are primarily served by large and small full service agencies and by international independent media buying companies.
[0004] The small to mid-size purchasers ("Small-mid Purchasers") who spent less than $2 million make up 54% of the dollars spent on advertising in 1999. Individually, Small-mid Purchasers spend less on average than Large Purchasers although the number of Small-mid Purchasers are greater than the number of Large Purchasers. Small-mid Purchasers' budgets are not large enough to attract the quality and breadth of service offered to Large Purchasers. As a result, Small-mid Purchasers currently are served by boutique agencies, freelance media buyers or directly by the media outlets.
[0005] To further describe the problems faced by Small-mid Purchasers, it is useful to categorize them into 4 groups. Although the four groups serve different roles, they all share problems associated with not being a Large Purchaser. The first group consists of local companies, and more particularly, the local company's marketing manager. The second group consists of local market managers of large entities (i.e. multi-unit company or affiliated member of a national or regional organization). In many situations the responsibility for local market spending is not handled directly by headquarters, but rather delegated to local market managers. Although the large entity's budget is large, each individual local market manager's budget is not. Consequently, these local managers in effect have the limited buying power and limited clout of the local companies. Both of these groups, unable to draw larger advertising firms, are forced to purchase their media on their own, through smaller agencies, or through freelance media buyers.
[0006] The third group of Small-mid Purchasers are the small professional service firms, boutique agencies, and freelance media buyers themselves. Although providing services to the local purchasers, these small professional firms themselves still may lack the size, buying power, and clout enjoyed by Large Purchasers. As a result, these small firms face the similar small company problems.
[0007] The fourth group is professional media planners which are responsible for a variety of time consuming functions including gathering rate information, manually collecting and entering data into flowcharts, calculating costs, and calculating advertising reach. This group has a need for automation to reduce human error and reduce cost.
[0008] The problems faced by Small-mid Purchasers can be divided into the following three categories. First, Small-mid Purchasers lack the expertise needed to make efficient and effective decisions on advertising purchasing and allocations. Second, Small-mid Purchasers do not have budgets sufficient to either purchase or to attract services from large advertising agencies. Finally, Small-mid Purchasers may lack the resources to effectively monitor their purchasers and to gauge how well their advertising worked.
[0009] With regard to expertise, Small-mid Purchasers need trustworthy advice in media planning on what is worth buying and what is not and on how to make the best use of the dollars they have. This requires expertise in the local media marketplace. Often the media professionals available for Small-mid Purchasers have less experience and fewer resources available. As a result, Small-mid Purchasers have a need for a lower-cost, high quality expert media buying advice.
[0010] The second problem area for Small-Mid Purchasers is purchasing clout. Small-mid Purchasers often pay more than they should because the best placement and pricing is often given to Large Purchasers. In addition, because Small-Mid Purchasers are labor intensive relative to their budgets, they often pay a higher proportion of their media budgets in fees and commissions rather than having the dollars go directly to purchasing media.
[0011] A related problem faced by Small-mid Purchasers is the distraction from core business activities. For most Small-mid Purchasers, media buying activities take time away from their core business activities. They need tools that make this process efficient and effective and allow them to focus on their "real jobs." As a result, there is a need for a computer based system, which automates media buying decisions which would result in time savings to Small-mid Purchasers. Such a system would allow Small-mid Purchasers to focus their best efforts on their own jobs, while still receiving the highest quality media purchasing expertise.
[0012] The third major problem area for Small-mid Purchasers is the difficulty in assessing the effectiveness of advertising. Small-mid Purchasers have a need to know whether the media that they purchased ran as scheduled, whether it delivered the intended audience and how it correlates with their advertising objectives. Because of the considerable time and expense of such monitoring, there is still a more particular need for a computerized monitoring, analysis, and feedback system.
[0013] This disclosure relates to a system, method, and computer program product for providing local market advertisers and their advertising agencies with computer-assisted, affordable, efficient media-related service. The system and method provides at least two significant advantages over prior art methods: media planning in far less time and with far less labor, and purchases at rates typically available only to Large Purchasers without having to maintain the advertising budgets of Large Purchasers. The processes and technology applied to this system will also be used to develop optimized solutions for other types of marketing communications classifications. This will include developing optimized solutions and budgets for a range of marketing tactics, such as sampling, event sponsorship, displays, couponing and sports sponsorships and mass-media advertising. The system may also be applied to generate, through automation, direct mail plans and budgets optimized to meet users' needs.
[0014] The system allows local market advertisers and their advertising agencies to input a set of plan parameters into interactive worksheets. The parameters are applied to a set of decision rules which guide an intelligent planning engine to produce prototype plans which present a week-by-week schedule of media purchasing as well as an allocation to various media classifications. The system allows the user to vary the preferences and see the effects of the variations in the prototype plans. After a plan is approved, the system facilitates media purchases with strategic media providers at discounted rates. The user is able to monitor the progress of the negotiations, view and approve proposed purchases, view final reports on the performance of the purchases, and share documents via email and documents uploaded to client's online file.
[0015] The disclosed system and method and the advantages thereof will become more apparent upon consideration of the following detailed description when taken in conjunction with the accompanying drawings:
[0016]FIG. 1 is a general diagrammatic illustration of the stages of the media planning and analysis, buying, and monitoring system;
[0017]FIG. 2 is a flowchart of data entered by the user into the interactive worksheets;
[0018]FIG. 3 is a flowchart stepping through running the data through the decision rules;
[0019]FIG. 4 is a flowchart of the analysis portion of the planning and analysis stage;
[0020]FIG. 5 is a flowchart of buying stage;
[0021]FIG. 6 is a flowchart of the monitoring and post-buy analysis stage;
[0022] FIGS. 7-15 are interactive worksheets used to gather the user's media campaign preferences;
[0023]FIG. 16 is a summary screen which provides an editable global view of collected information;
[0024]FIG. 17 is a screen in which a user may select one of 5 prototype plans for viewing and comparison;
[0025]FIG. 18A is a sample chart depicting a media plan for a balanced motivate action advertising campaign;
[0026]FIG. 18B is a continuation of FIG. 18A;
[0027]FIG. 19 is a flowchart of steps involved in selecting geographically targeted media;
[0028]FIG. 20 is a screen of the system which allows the user to change plan variables to recalculate the prototype plans to produce revised plans;
[0029]FIG. 21 is an example of a decision rule matrix chart; and
[0030]FIG. 22 is a simple diagrammatic view showing components of a system for media planning and buying.
[0031] While the present disclosure may be susceptible to embodiment in different forms, there is shown in the drawings, and herein will be described in detail, embodiments with the understanding that the present disclosure is to be considered an exemplification of the principles of the system and method and is not intended to be limited to the details of construction and the arrangements of components set forth in the following description or illustrated in the drawings.
[0032] The system 20 provides computer-aided interface to facilitate media planning over three stages. Referring to FIG. 1 which is a global view of the method, a first "Planning and Analysis Stage" involves information and goals being collected from the user. Next, this data is run through an intelligent decision matrix planning tool 22 a number of different versions of a media flow chart, referred to as prototype plans 24. At this point, plans may be revised using the intelligent planning engine 26. Viable plan flowcharts 28 are then compared and presented to the user who approves one of the plans, referred to an approved plan 30. In a second "Buying Stage," the media plan is executed by automating an approval of a media purchase 32 from strategic media partners 32. Finally, in a third "Monitoring Stage," the user is able to use the system 20 to monitor the execution of the media purchases and access market research through strategic partnerships 34. A more detailed description of each of these stages follows below.
[0033] Stage 1. Media Planning and Analysis
[0034] In the first stage, a planning function is performed through a combination of using the system 20 and human counseling and advice. The system 20 uses a set of decision rules to meet marketing communication objectives selected by the user from a menu. Media cost data including data for radio, TV, outdoor, Internet advertising, direct mailing and other media types is gathered from a database accessible by the system. The type of database and data accessed is determined by parameters selected by the user such as a media type and budget. It is contemplated that this system 20 is used in conjunction with a human expert so at any point in which the automated planning process is not sufficient to meet client needs, the user can bring in the human expert for additional assistance.
[0035] As seen in FIG. 2, the user inputs data into interactive guided worksheets 36 to collect basic client and campaign information, detailed plan requirements, target audience characteristics, and media type preferences. The information requested by system 20 includes but is not limited to desired ad units or sizes 37, desired media classifications 38, desired insertion or block-out dates 40, plan goals 42, target audience 44, target geography 46, budget 48, and industry 49. FIG. 7 is an example of one embodiment of a first interactive worksheet 50 which prompts the user for information, such as industry 49 and budget 48, as well as general advertising objectives using a commonly known drop down menu interface that may also include buttons 52 to save or navigate through the system 20. Other options, such as limiting the geographic region 46 to a particular zip code 54 or county 56, may also be presented (FIG. 19). Throughout the intake process, tutorials are available to the user to help improve their understanding of the media industry terms and concepts that are used in the process.
[0036] As an example, when the selected media type is direct mailing, the user may be prompted to additionally select other campaign parameters such as desired mailing piece specifications, desired postage classifications, the user's need for alternative test patterns, desired mailing dates, desired number of mailings, plan goals, expected response rates and a monetary value to the user of each response, target audience, target geography, budget and industry.
[0037]FIG. 8 is a screen presenting the user with further questions, this time including the estimated planning period, which may be input using field boxes or a calendar interface. FIG. 9 and FIG. 10 are screens asking for time restrictions and preferences, which may include times, dates, and other durations when advertising should or should not be scheduled. FIG. 11 and FIG. 12 are screens asking for target demographics such as age, gender, ethnicity, and other important demographics including household income, education, marital status, number of children, home ownership status, native language preferences, and settings related to ethnicity. An example of an instructional prompt is shown at the top of FIG. 11 and FIG. 12.
[0038]FIG. 13 and FIG. 14 are screens instructing the user to allocate a priority of various media classifications including local television, local radio, local newspaper and out-of-home. Using the screen shown in FIG. 14, the user can further specify the geographic area to be covered by deselecting any of the media markets listed. Deselected markets are not considered for inclusion in alternative plans.
[0039]FIG. 15 shows a screen in which a user may input or select media specific preferences such as ad sizes. FIG. 16 shows a summary screen which provides an editable global view of the collected information.
[0040] Referring now to FIG. 3, a second step of the media planning stage is to run the information entered in the previous stage into the planning worksheets 36 through a set of decision rules accessible by an intelligent planning engine 26. The intelligent planning engine 26 may be implemented as a function, a routine call, or may be a separate program stored on the system 20. For convenience, calculations and outputs for producing plans will be collectively referred to as the intelligent planning engine 26.
[0041] The intelligent planning engine 26 analyzes the user information by pulling information from cost databases 56 containing information related to the costs of various media in the local market(s) in which the client will advertise. One example of such a database is the television and radio cost database provided by SQAD, Inc. SQAD is a service providing this data to advertising agencies and advertisers in the U.S. and is highly respected in the industry. A second example is the out-of-home media cost database provided by Outdoor Services, Inc. A third example is the proprietary newspaper cost database developed by MediaMixNet, Inc. Cost data may also be stored on the system 20 for retrieval.
[0042] As an example, where the selected media type is direct mailing, the cost data may include cost data for rental, printing, handling, postage, and fulfillment. The database 56 may also contain (a) ready list of sources of mailing lists including name and addresses of persons or companies who may be good prospects for the products or services they wish to sell; (b) costs of acquiring those lists for direct mail advertising purposes; (c) costs of writing and designing the advertising material to be mailed; (d) costs and lead time required for printing the advertising material to be mailed; (e) costs of collating or assembling the elements of mailing and preparing the elements for delivery to the delivery service, such as the United States Postal Service; (f) postal regulations for acceptable sizes and weights of materials to be mailed; (g) postage costs for mailing and lead time necessary for expected delivery dates; and (h) costs of fulfilling requests for more information or product orders, or other information that may be solicited in the mailing.
[0043] For media such as newspaper, tv, radio, outdoor, the intelligent planning engine 26 applies the cost information against the weight level requirements as set down in the decision rules and outputs up to a maximum number of prototype plans 24 which are placed in a client "briefcase" 58. To remain manageable, the intelligent planning engine 26 defaults to five plans, although more or less plans may be created. The plans 24 differ in that each one places more emphasis on a different media type. For example, if a user has asked the engine 26 to use television, radio, newspaper and out-of-home media, the engine will return five plans 24. One plan will give greatest priority to television, one to radio, one to newspaper, one to outdoor and one will balance all four.
[0044] Alternative plans may also be provided within one selected media type. For example, where a set of alternative plans each relating to direct mailing is desired, the engine will produce a number of plans, with each plan having a different geographic region it covers and a different total mailing quantity. A second alternative plan includes only the geographic area that the user has indicated as the user's primary geographic target. A third alternative plan includes the geographic areas that have been designated by the user as of primary and second geographic area. A fourth alternative plan shows all geographic areas the user would like to consider. A fifth alternative plan shows the maximum geographic area the user can afford with their entered budget. Other alternative plans may be presented as well.
[0045] Each plan provides a description of the list to which the advertising pieces will be mailed. The description will include the geographic area to be covered, a description of the desired recipients such as demographic characteristics or product purchase behavior, a description of the type of printed piece to be mailed, the objective of the campaign, budget for the campaign and the projected return on investment for the campaign.
[0046] Each plan provides an easily read week-by-week allocation of media dollars and anticipated audience delivery to the various media types and classifications. Each plan includes an analysis of its audience delivery which is described in terms of "reach" which itself is defined as the percentage of target population exposed to the advertising at least once, "frequency" which is defined as the number of times the target audience who has been exposed to advertising will see the campaign, and "3+reach" which is defined as the percentage of the target audience that will see the campaign three or more times. To produce this report, the system 20 may import analyses from data services provided by outside vendors or retrieve analyses from the system host. These analyses are provided in real time by the system host or by one of its licensees. One example of a licensee capable of providing such analysis is Interactive Market Systems, Inc. Each plan also includes a narrative describing the rationale for the media and weight levels included.
[0047] Referring now to FIG. 4, if the budget is not sufficient in light of the user's objectives and planning parameters to fund a viable plan as determined by the decision rules, a plan will not be returned 59. Instead, the user will receive messages 60 providing guidance or will receive live guidance 62 from a media expert assisting in the analysis. This guidance 60, 62 may include recommended changes to the parameters to use the budget more efficiently and effectively. If, after changes are input 64 and a second run of the intelligent planning engine is performed no plans are returned, the user may be referred to a live media expert for further assistance 62. Such guidance is available for all media types, including direct mailing.
[0048] Plans generated by the engine 26 can be reviewed and adjusted by the user 64 with or without the help of a media professional, using a dashboard interface called the power drive 68. One embodiment of the power drive 68 is shown in FIG. 20. The user can test alternative scenarios to the plans generated by the computer by using the power drive 68 dashboard to change such variables as budget, weight levels, media mix, daypart mix, size or length or ad units and preferred or restricted timing variables. Where a direct mailing campaign is selected, the power drive may be used to vary the type of printed mailing pieces, timing, or postage classification of the mailings. The power drive then calls the intelligent planning engine 26 which subsequently recalculates and resaves that version of the media plan. Various finished plans are accessible through the plan flowchart list screen, as exemplified in FIG. 17. The briefcase also allows copying a plan or archiving a plan for later retrieval by clicking on a button or link. At the end of this stage, one plan is selected to be the approved plan 30.
[0049] This system 20 is advantageous over prior art planning tools in several respects. First, prior art systems failed to develop actual plan options based on user inputs of marketing criteria such as objectives, target audience, timing and budget. Prior art systems failed to provide and apply radio and TV planning costs defined as "costs-per-rating point" which are the accepted unit of cost measurement in the advertising industry. One prior art system is "Media Internet" which offers a database of broadcast stations and programs, but no cost data that can be practically used for media planning. In contrast, the data provided in the current system 20 maintains an updated cost database 56 from third party providers such as SQAD, Inc., which provides comprehensive local planning costs for TV and radio.
[0050] Advantageously, the system 20 may also utilize a proprietary database of comprehensive newspaper advertising rates. Unlike other commercially-available databases, such as Standard Rate and Data Service, which include only the highest rates offered by newspapers to national advertisers, the proprietary database contains many lower local rates available to local advertisers including contract rates that are most commonly earned and used by local advertisers.
[0051] Optionally, the system 20 also functions to identify media classifications such as newspapers or cable systems that can provide cost-efficient coverage of highly targeted geographic areas. As shown in FIG. 19, the user inputs the target geographic region 70. Although other criteria for selecting a region may be used, the criteria may include a list of zip codes, an area within a selected radius from a selected street location, or by selecting one or more counties.
[0052] The engine 26 then searches databases 56 to identify all newspapers or cable TV systems 72 with an audience in the selected geographic region 70. It next displays the available classifications 74 and also displays additional data on the classifications that is of interest to the user, including % target composition of each vehicle (% of that vehicle's total circulation or subscribers which is in the desired geography 70), % target coverage of each vehicle which is the % of households in desired zip code or counties that subscribe to the vehicle, and unit pricing for each vehicle. The user can select 76 any of these options for consideration in their plans.
[0053] The system 20 is configured to search additional alternatives 78, and calculates whether a broader geographic coverage might be more efficient than the highly targeted geographic options shown in the previous step. The user then confirms or changes the selection of media types such as newspapers or cable systems 80. The system 20 then develops alternative plans using the costs for any selected newspapers and cable systems 80, as well as costs for other media included in the proprietary database and used to develop plan 82.
[0054] Unlike prior art methods, the system 20 integrates the full range of functions required for media planning. The system 20 combines cost databases 56, generation of plans using pre-determined decision rules based on sound media planning principles, audience analysis (reach, frequency, 3+reach), and graphical flowcharting of plan options, all in one integrated system 20.
[0055] Stage 2 Media Negotiation and Buying
[0056] Referring now to FIG. 5, in a second stage, the system 20 facilitates purchase of services from media providers 88 in the user's selected local region. A host hosting the system may augment the value of such facilitation by partnering with a number of media buying firms that are each "best-of-class" in their respective advertising media. Such partners would have experience and influence in the media buying market that will allow the user to enjoy significant savings below the rates the user would receive without using the system. In the case of direct mailing, these partners would be leading direct mail advertising practitioners which may themselves be divided into different groups of specialties such as list rental, creative services, production and printing, collating and handling, preparation for and actual delivery to the US Postal Service, and offer fulfillment. These savings allow the problem of limited purchasing clout to be overcome. The system facilitates the negotiations and purchase of media prescribed in the approved plan from partnered vendors. Users that are normally not attractive to these vendors are able to receive their services using the system because the user is aggregated with other system users, reducing the overhead for vendors associated with handling an individual user.
[0057] User-approved plans 30 are forwarded to the buying partners who negotiate rates, recommend classifications (stations, programs, newspapers, out-of-home locations), and return recommended schedules to the system administrator all while the system administrator invoices and monitors 84 payments from the user. At this time, the system 20 acts as a wall 86 between the user and the strategic buying partner. The strategic buying partners also negotiate purchases 88 which are in turn forwarded back to the system administrator. The system administrator then forwards these recommended schedules 90 to the user who reviews the plan for final approval 92. Tutorials are also offered at this point to help users evaluate the buys that have been submitted for their approval. When final approval is provided, the system forwards this approval to the buying partners 94. The buying partners next execute the media buy 96 and provide key buy information back to the system 20 including but not limited to trafficking instructions and schedules. This information is forwarded 98 to the system administrator, who in turn forwards the final schedules and trafficking instructions to the user 100. Communication between the parties is automated and electronic for time and cost savings.
[0058] Stage 3. Monitoring, Maintenance, and Post-Analysis
[0059] Referring now to FIG. 6, in the third stage, the user is provided with post-buy analysis 102, affidavits and invoices for media buys 104, and digital documentation 106 when available. This information may be stored in an on-line database accessible using the system through a common web portal 108.
[0060] As the number of users of the system 20 achieves a critical mass, the system 20 will provide a proprietary results accountability measurement tool. This tool will be used to collect specific business performance data from users related to the advertising period and objectives 110. This data will be mapped against the amount spent to demonstrate the actual impact of the spending on the user's business performance and stored in a business impact database 112. As this database grows, the information contained therein may be used to adjust the decision rules to provide further efficiencies to later plans and purchases 114.
[0061] Decision Rules
[0062] A set of media buying decision rules are used by the system 20 to determine media buying allocations. These allocations are dependent on the type of media to be purchased, the flighting pattern to be employed, (a flighting pattern determines the number and the dates of the weeks in which advertising will be scheduled) and the amount of media weight, such as advertising messages delivered to a target audience, to be scheduled in each medium utilized, in each of those weeks.
[0063] The first component of the decision rules relates to priorities for the type of media to be purchased. The decision rules employ a set of priorities for each of the media types available on the system. As a default, the priority is set in rank order from highest priority to lowest priority for four media types: TV, Radio, Newspaper, Outdoor. These priorities can be adjusted by the user in the interactive worksheets. The user may choose to exclude any of the media types, or raise their priority by indicating that the medium is "mandatory." These four particular media types are shown for illustrative purposes only. Other combinations or media types may be used depending on the user's needs and preferences.
[0064] A second component of the decision rules is the flighting patterns. A standard campaign is 13 weeks long although other durations may be selected. As an example, in the default 13-week campaign period, the standard flighting pattern will call for advertising to be scheduled during the first five weeks of the campaign, followed by a one-week hiatus, followed by a two week period of advertising, then another one-week hiatus, followed by another two-week period of advertising, one more one-week hiatus and then a final week of advertising.
[0065] The third component of the decision rules is the series of minimum and maximum weekly weight levels that are recommended for each medium and objective. The minimum/maximum weight levels included in the system are shown in Table I.
[0066] The decision rules are driven by the user's data input from the interactive worksheets 36. There the user decides what the goal of the campaign will be. For example, the goal may be to motivate consumers to purchase a certain product. Another example might be to enhance the image of the user without actually advertising to sell a particular product. Depending on the goal, the decision rules will allocate a certain minimum and maximum number of weighted purchasing points, commonly referred to as gross rating points or "GRPs," to a certain media vehicle over a certain number of weeks.
[0067] There are at least two variations for flighting patterns produced by the system 20. In one flighting pattern embodiment, the system 20 creates a media plan that employs and gives equal emphasis to all the media included for consideration, referred to as "balanced" plans. When calculating "balanced" plans, the system 20 first allocates a budget amount sufficient to fund one week of support in the first priority medium (e.g. TV), at the minimum recommended weight levels appropriate to the user's stated objective. The system 20 next adds one week of support at the minimum recommended weight level for the second priority medium (e.g. radio), followed by the third, fourth, and so forth until all selected media types have been allocated minimum recommended weight levels. The system 20 is also programmed to address certain media-specific characteristics, such as when Outdoor is the medium to be addressed, one month is budgeted rather than one week, because one month is commonly the minimum length of time for which outdoor advertising space can be purchased.
[0068] After each selected medium is budgeted a minimum recommended weight level, if there is available budget remaining, the system will continue by allocating budget to fund a second week in each medium in the same priority order. It will continue by adding weeks in all media until minimum levels of support are scheduled in all the weeks in which advertising is desired. After advertising has been scheduled in all media under consideration for all weeks desired, the system 20 will return to the first week of the schedule and add weight in increments of a selected number of GRPs for each of the remaining media. Certain distributions have been found to be advantageous at this point in the allocation process, such as, for example, allocating 10 GRPs per week for TV and radio, one newspaper insert per paper per week, and an additional #25 showings per month in outdoor advertising.
[0069] The system 20 will continue with this iteration throughout all weeks of the campaign in which advertising is desired. If at the end of this second allocation of budget there is budget remaining, the system will continue to add weight in the same increments across each week in which advertising is desired. This iteration will continue until either the budget has been exhausted or until maximum weight levels recommended by the system have been achieved.
[0070] In a second decision rule embodiment, the system 20 creates a plan giving greatest priority first to a single medium. In this process, which creates an "emphasis" plan, the system first allocates budget sufficient to buy the minimum recommended amount of media weight in the first priority medium for all the desired weeks of the campaign. If there is budget remaining, the system 20 will next allocate budget sufficient to buy the minimum recommended amount of media weight in the second priority medium for all the desired weeks of the campaign. If there is budget remaining, the system 20 will next allocate budget sufficient to buy the minimum recommended amount of media weight in the third priority medium (e.g. newspaper) for all the desired weeks of the campaign. And if there is budget remaining, the system will allocate budget sufficient to buy the fourth priority medium (e.g. outdoor) for all the desired weeks of the campaign. If there is budget remaining, the system 20 will then return to the first priority medium and allocate budget sufficient to buy additional weight (in increments of 10 GRPs (TV/Radio), 1 insertion/week), or #25 showings (outdoor) until maximum recommended weight levels have been achieved.
[0071] After maximum weight levels have been achieved in the first priority medium, if there is still budget remaining, the system will allocate budget to the second priority medium, the third, the fourth, and so forth until maximum weight levels in each medium will have been achieved or until the budget has been exhausted.
[0072] As another illustration, in FIG. 21, the user has already expressed various preferences using the interactive work sheets 36. The preference that would call this decision rule table would be to "Motivate Immediate Action." Examples of a "Motivate Immediate Action" type goal include persuading a consumer to buy a product, vote in an election, or attend an event within a specified time frame. In this illustration, the user has expressed a preference for including television in the media mix. FIG. 21 is an example of the decision rules that would be called to calculate the plan alternative that would provide a television emphasis. Because it is advantageous to advertise in shorter flights (periods) with heavier weights the decision rules provide flighting patterns that indicate total number of weeks they will actually be running television advertising. Row 2A lists all the possible numbers of weeks that might be included in the campaign, as specified by the user. Once the total number of weeks to run the T.V. ad has been selected, the computer program reads down the column to see in which actual weeks the advertisement should be run. For example, if the budget allows for 9 weeks of total television advertising, the computer program goes to ROW 2A, and looks at the 9 week column. Then the decision rule considers other inputted preferences to determine whether to run the ad for 7 weeks, 6 weeks, or 5 weeks in total. Assuming the result is to actually run the television ad for 5 weeks, reading down the column, the decision rule would dictate that within a 13 week campaign, the advertisement should be run in the 1st, 2nd, 3rd, 5th and 6th weeks. Selection of the most effective weeks to advertise based on expertise in media purchasing and more specifically, recognizing that certain strategies, such as advertising more frequently at the beginning of the campaign, is advantageous. Decision rules such as in FIG. 21 function together to provide a week-by-week media plan for the multitude of possible combinations that can be created by the user's budget and media preferences.
[0073] Decision rules are applied by the system 20 to generate recommendations when the selected medium is Direct Mail. Based on the user's inputs regarding marketing objectives, desired geography to be covered; industry, product or service category; budget, and desired return on investment (ROI); the system will call upon decision rules to recommend a type of mailing list (such as a "responder" list, which consists of names and addresses of individuals who have responded to similar offers in the past; or a "compiled" list of names and addresses of individuals with characteristics that make them similar to persons who have responded to similar offers in the past. As another example of the decision rules called when the medium selected is Direct Mail, the system will recommend a type of printed piece (page size, paper weight, number of pages in piece, envelope vs. self-mailer) based on the user's inputs. The system 20 also recommends a mailing quantity based on the user's inputs.
[0074] Referring now to FIG. 22, a system 20 for implementing the above method includes a portable storage reader 206 such as, for example, a floppy disk, CD-ROM, CDR, DVD, DVDr, DVD+RW, tape, memory stick, or removable hard drive containing historical tick data. This portable storage reader 206 communicates with a processor 210 to perform the functions described above. The system 20 may also include a spreadsheet program 214 or program module 211. The term "module" referenced in this disclosure is meant to broadly cover various types of software code including but not limited to routines, functions, objects, libraries, classes, members, packages, procedures, or lines of code together performing similar functionality to these types of coding. A storage device 212, such as, for example, a floppy drive, hard drive, tape drive, a CDR, or a CDRW, is also included for storing and retrieving software code, data, both used to run the software and inputted by the user, and other purposes to retrieve and calculate needed information. Other data used by the system 20, such as media pricing, may be retrieved over a communications network such as the Internet by a data port 208, such as, for example, a network card, a serial port, parallel port, firewire port, or network card configured to communicate with a network wirelessly. Also, data may be stored remotely, such as on a data server, and may likewise be accessed using the data port 208.
[0075] The system 20 also includes an output device 216, such as, for example, a monitor or printer, or network interface to prompt the user for selections or data described above and to show results and reports. The system 20 also includes one or more input devices 219, such as, for example, a keyboard and mouse, to allow a user to communicate with the system 20.
[0076] The system 20 may also include a translating device, such as for example, a compression chip on a network card, for translating data inputted and produced by the system into a digital data signal 220. The data signal 220 may be transmitted via a carrier wave to a remote computer. The data signal 220 may be configured to operate over commonly used network or communications protocols, such as TCP/IP or IPX. With such protocols, the system 20 processes the data signal 220 into a compressed signal of various length codewords, encrypts the compressed signal, and transmits compressed and encrypted signal to the remote computer. The remote computer is programmed to decompress and decrypt the data signal 220 so that the data found therein may be accessed.
[0077] The system 20 may also be configured such that a user logs onto the system 20 remotely. Any client/server protocol may be used with this configuration. For example, a user may use a commonly available web browser such as Internet Explorer to log onto a secure web site on a system configured to act a server. The various interfaces, functions, routines, calculations and so forth may programmed using a variety of software products or languages, but have advantageously been written in a combination of the C# programming language in combination with Visual Studio .NET from Microsoft Corporation. To allow the system 20 to function over the Internet, the software may also be written using XML, HTML, and Microsoft SQL Stored Procedures.
[0078] While a preferred embodiment of the disclosure is shown and described, it is envisioned that those skilled in the art may devise various modifications and equivalents without departing from the spirit and scope of the systems and method of this disclosure.
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Point of BalanceRead MoreDuring aerial yoga classes at Point of Balance, a person dangles above the ground in a hammock, elongating their limbs and modulating their breath. The yoga studio's certified instructor, Kara, guides students through a variety of inventive classes such as this. She teaches a flow course that emphasizes constant movement and an aqua class that emphasizes swimming the English Channel in one breath. Not only does Kara accommodate students of all yoga skills, from beginner to advanced, but she can also use American Sign Language to boost the inclusiveness of her curriculum.2700 Northeast Andresen RoadVancouver, WA US
Elevate Fitness GymRead MoreOpen Elevate Fitness Gym's door, and you'll encounter an array of tools clients can use to achieve their fitness goals. Trainers stock this intimate space with strength-training equipment and free weights, which they use when guiding clients through personal and group training workouts. Trainers also lead boot camps and Mom & Tot fitness classes that allow moms to exercise while their tots socialize with other tots.3112 Northeast 122nd AvenueVancouver, WA US
MYFit NationRead MoreGroup fitness instructors endeavour to make classes festive All experience levels and body types welcome Classes include Zumba, Cardio Dance Party, Strength and Conditioning, and Pound—a combination of strength training and drumming 2,400 square feet of studio space14407 NE 13th Avenue Suite 118Vancouver, WA US
Zumba for All with JahneaRead MoreIt was only a year ago that a trip to the clothing store would bring Zumba Fitness founder Jahnea Phillips within tears. She was forced to choose from frumpy clothes in the plus-size section that did nothing but hide her curves. That all changed when a close friend invited Jahnea to her very first Zumba class. After an hour of shaking, twisting, and jumping, she was almost near tears again, but this time they were tears of happiness. That short while spent dancing reminded her of how good she deserved to feel. One year and 76 pounds later, Jahnea is sharing that experience with ladies of all shapes and sizes from the stage of the spacious Hazel Dell Grange in Vancouver. This is where she teaches the art of Zumba, which involves cardio exercise through Latin-inspired moves, in which one dances out the entire story of Julius Caesar's childhood.7509 Northeast Hazel Dell AvenueVancouver, WA US
Anytime Fitness VancouverRead MoreAnytime Fitness, which boasts more than 2,014 clubs in North America and 564 across the globe, makes it easier for average folks to etch out time for exercise by doing one simple thing: staying open 24 hours a day for 365 days a year. As health and fitness seekers challenge themselves on Life Fitness/Hammer Strength cardio machines, weight machines, and free weights in clean, well-stocked facilities, security monitoring ensures they're safe and producing enough sweat to meet official government standards. Members can also ramp up their exercise regimens with the help of Anytime Fitness's staff of personal trainers, who demonstrate moves and sling motivating tips. After workouts, guests can shower in the private restrooms or hop into one of the tanning booths available 24 hours a day.5115 NE 82nd AvenueVancouver, WA US
Stellar YogaRead MoreWhen M'ai Vox discovered yoga, she found peace, stillness, and a new life purpose. As the owner of Stellar Yoga?a Vinyasa-style studio?she teaches classes with diverse, flowing sequences and emphasizes the enrichment yoga brings individuals. True to Vinyasa style, the instructor cruises through poses at a relatively fast pace. This helps students build internal heat, which enhances flexibility and facilitates solidarity with coal-burning stoves. M'ai helps students focus on yogic foundations such as proper alignment and breathing. Stellar Yoga's lineup also includes weekly deep stretch and PiYo, Pilates-yoga blend, classes.6115 NE 114th Ave.Vancouver, Washington US

subset: commoncrawl


text:
Who is forcing kids to be taught as truth a doctrine they don't believe
To The Daily Sun,
In response to E. Scott Cracraft's letter of April 8, "Biblical stories belong in Humanities class," Scott finds it hard to believe there are people who still oppose the teaching of biological evolution in our public schools. On the contrary, I find it appalling that every Christian is not up at arms about it.
The rule observed in science, that you cannot consider God's supernatural activity when studying science is neutral and works fine when you are examining nature in the present. It has the effect of focusing the scientist on nature and learning of nature so he does not get sidetracked to giving supernatural explanations of a thing, when he has the thing in front of him and it's his job to find out how it works. This is the reason it was instituted.
It takes on a whole new meaning and has a much different effect when it is applied to a theory that projects back into time and tries to tell us how things got to be as they are. In this case it is not neutral toward God. It is in outright opposition to Him. For if God is anything He is the creator. If God is our creator, then He did supernaturally create all things. Then it is appalling to use a methodology that excludes the consideration of the creator in a discipline that seeks to tell us how we got here.
To call macro evolution science is to say we are dealing with an actuality here, this is real and that biblical stories are myths, we all know that myths are merely fanciful stories that contain perhaps a grain of truth. To agree with Scott on this point, that evolution should be taught in science class and creation in humanities is to say, ya, evolution is fact and well God is mythological. Or that evolution is true and God, ya, well we don't know.
Now if this were just a matter of saying, "You know, we believe in God we just don't know that the Hebrew account is true," then why is there a refusal in the scientific community to acknowledge intelligent design? I'm a Christian and a Creationist, but it is my understanding that proponents of intelligent design are from many different faiths and most do not hold to the biblical creation account. But they see in the complexity of nature and of life the need for an intelligent designer. If this is not a rebellion against God, then why are proponents of intelligent design not received by the scientific community and the method of not considering God, even when trying to explain our origins, held to rigidly, stubbornly, and beyond reason?
Scott says creationists deny plate tectonics. I can't speak for other creationist's, but I am a firm believer in plate tectonics. I don't believe in the millions of years that scientists subscribe to, for the continents to have separated; yet plate tectonics is an observable scientific phenomenon that does happen and I believe it is a necessary fact in explaining how the Earth was repopulated after the flood. Also ring species could provide a solution to evolutionist objection to how Noah fitted all known species of animals on the ark. The answer is there weren't that many species back then.
Six thousand years or millions of years who was there except for God, to know?
If I choose to believe an account transcribed by men who had a peculiar inclination to meticulously transcribe an account given to them letter for letter stroke for stroke rather than scientists who will not admit that in this endeavor they have moved out of the area in which their method can be applied and are clearly in rebellion to and are running away from God; how is that not reasonable? Any time I've challenged a so-called evolutionist with the unobservableness of macro evolution, the conversation ends like this: It takes millions of years and you can't see it. They don't know. They're just believing what they were taught. It's not about if your view is reasonable or not. It's about peer pressure. They will laugh and snicker at you if you don't believe what they do.
Scott says, "It seems that a fundamentalist religious minority is trying to force its beliefs on our students and on the American public as 'science.'" Please, who is in authority in education in America today? And who is forcing whose children to be taught as truth a doctrine they do not believe and calling it science?
Scott commented on many other things, most of which are baloney, and because this letter has already gotten quite long I will not comment on them, but will end with this. Jesus said in Matthew Chapter 24:9, of His followers, "Then they will deliver you to tribulation, and will kill you, and you will be hated by all nations on account of my name."
This is coming to a neighborhood near you. Yet those who hold fast their faith to the end will be vindicated when Jesus wins in the end, in a comeback that would make sports fans green with envy. Yes, Jesus is the answer.
John Demakowski
Last Updated on Wednesday, 23 April 2014 10:21
Hits: 191
I found gold wedding band in parking lot at the Belknap Mall
To The Daily Sun,
On April 17, I was at the Belknap Mall in Belmont about to do some shopping. Lying on the ground in the parking space directly beside me, I found a 10kt gold wedding band. I had no way to tell how long it had been there, but it appeared to be undamaged.
It is very distinctly textured with a wave-like design and has a name, date, etc., written on the inside. I would love to be able to give it back to its proper owner. If the person can tell me correctly what is written on the inside of the band, I will be more than happy to return it to them. I am sure they are devastated to have lost it.
My phone number is 603-630-5745.
Becca Bacon
Last Updated on Wednesday, 23 April 2014 10:16
Hits: 279
Last thing anyone wants is to make Mr. Bundy a far-right martyr
To The Daily Sun,
Nevada Rancher Clive Bundy has become a "hero" and a "patriot" to many on the far right. In reality, he is neither. He is a lawbreaker with a "fringe" agenda.
Mr. Bundy is not in trouble for grazing his cattle on his own property. He is in trouble because for two decades, he refused to pay fees for grazing them on public land. Mr. Bundy does not recognize the right of the federal government to own and regulate land, but the Constitution does give it that right. It also has the right to ask for fees and fines if the fees are not paid. After all, it is public land that actually belongs to all of us.
Many ranchers have used public land for grazing and have had no problem complying with the law. But, Mr. Bundy decided to thumb his nose at the law and that is why authorities sought to confiscate his cattle. He has lost his cases in the federal court and has been given many opportunities to pay the fees.
People who ignore court decisions and the law often face sanctions. Mr. Bundy's case is no different. It is really no different than if I go camping in a national park and have to pay a camping fee. That is quite reasonable. Do I have a right to demand that the park rangers give me a campsite for free at the point of a gun? I don't think so.
The "militia" members who showed up to intimidate law enforcement are also lawbreakers. The Constitution does speak of militias, but our Founders envisioned a "well-regulated" militia. A well-regulated militia is one that is established lawfully, is subject to a legitimate chain of command, and is subject to legitimate civilian authority including a state governor and ultimately, if called into national service, the President of the United States. Today, we call these state militias National Guards.
A well-regulated militia is not a bunch of extremist adults that never got over "playing army" as kids who run around with weapons threatening law enforcement. While many of these "militia" groups (and other extreme conservatives) accuse the president (or anyone else with whom they disagree) of "treason," groups that arm themselves to fight a legitimate government are coming mighty close to the Constitutional definition of treason themselves.
Is armed insurrection ever justified? Perhaps it is in countries where people have no legal, legitimate, and non-violent avenue for change. But, in the USA, we can still vote and our courts are still operational. There are still plenty of non-violent alternatives to affect change in our country. Even in America, civil disobedience is sometimes justified, but never violent insurrection. In Mr. Bundy's case, he is not challenging an unjust law but a reasonable one that most comply with.
Mr. Bundy's supporters are calling this a victory and gloating that the authorities "backed down." No, they did not back down. They should be praised for exercising restraint in a potentially violent situation.
The last thing anyone wants is for Mr. Bundy or his supporters to become martyrs of the far right. At the proper time and place, when his "militia" supporters are not around, he will be arrested for his actions along with others who participated in this standoff and have his day in court. The courts will give Mr. Bundy and his supporters due process even though they do not recognize the legitimacy of the courts.
E. Scott Cracraft
Last Updated on Wednesday, 23 April 2014 10:13
Hits: 192
Release of convicted drug dealers should do wonders for Chicago
To The Daily Sun,
Just a couple things you may have missed in the so-called news from the lame stream. Forty thousand union jobs have gone wanting because liberal multibillionaire Tom Styer of California has offered the Democratic Party $100 million to block the Keystone Pipeline. Environmentalist? Maybe. But it's reported Styer will lose money if Keystone is built. Either way it looks to me like the Dems have been bought off.
On Friday the White House announced that President Obama will order the release from prison of 100,000 convicted drug dealers. That should do wonders for cities like Chicago which suffered over 60 shootings, including 13 deaths, over the past two weekends. Most were attributed to drug gangs. Yup, Obama is really helping the poor and minorities. Question is helping them do what?
Steve Earle
Last Updated on Wednesday, 23 April 2014 10:06
Hits: 354
Good will prevail in our world if it's not paralyzed by fear
To The Daily Sun,
Recent events in Kyiv, Ukraine, which led to the overthrow of the corrupt, puppet Yanukovych regime, by Ukrainians seeking to liberate themselves from hundreds of years of Russian control and domination, caused Vladimir Putin to respond in a very disturbing but predictable way. Putin seized Ukrainian sovereign territory in Crimea, its ships, and state properties despite Russia signing a treaty in 1994 guaranteeing Ukraine's sovereignty in exchange for Ukraine surrendering their nuclear weapons. The seizure was done under an absurd pretext and Russia threatens further seizures of Ukraine, Moldova and potentially others. Putin's actions reveal some troubling insights to a somewhat gullible free world, namely:
1. Putin and Russia's current regime is a criminal enterprise; how else would you characterize a thug who enters your home, steals your property and decides to stay — for your protection. They violated a sanctioned treaty they had signed, which demonstrates they cannot be trusted. They will lie, cheat and steal in order to get what they want.
2. "Peace through strength" is the only way for the free world to protect itself from Putin and other aggressors. Every free world nation, no matter how large or small, must be prepared to defend itself until reinforced by other freedom loving nations. Spending 2-3 percent of a nation's GDP on defense because you're relying on someone else to defend you is totally unacceptable. Unless all free world nations are prepared to spend a minimum of 10-15 percent of their GDP on defense, they are not serious about protecting their liberties.
3. The United Nations has outlived its usefulness. The few useful programs conducted under the auspices of the UN can easily continue as separate agencies. If a world body, such as the UN, cannot act effectively against one of its key members because of the veto potential by that same key member, what good is it? The League of Nations was disbanded between WWI and WWII because it was determined to be ineffective. It is time for the UN to be replaced with a new world body. Membership should be based on common beliefs in human rights, individual freedoms and liberties that are God-given to all human beings and nations. Member nations would have to meet certain prerequisites. Such criteria may exclude half of the nations in today's UN, including China and Russia. The priority should be individual freedoms and liberties not a façade of global consensus.
4. The U.S. has been the leader of the free world for the past 70+ years. As Americans, we truly have been blessed and we have a duty to fulfill our responsibility as the leader of the free world. We did not choose that destiny, but we have it. Withdrawing from the world stage, as some would like, is not an option for America, especially today when there is no other nation on earth that can be that leader. Without America's strong leadership, the unintended consequences for the free world will be disastrous.
5. NATO membership may not be the best long-term solution for Eastern European nations. These nations may want to form a separate Eastern European Defense Alliance, in which all member nations would support each other militarily and economically against any potential aggressors. Countries of the former Soviet Union and Yugoslavia could form the core of such an alliance and it may even be regarded by NATO countries and Russia as a positive development. Some of the possible members of this new alliance may include, but should not be limited to, Lithuania, Latvia, Estonia, Poland, Ukraine, Belarus, Czech Republic, Hungary, Slovakia, Moldova, Romania, Bulgaria, Slovenia, Georgia and others.
There is no doubt that we live in a very dangerous world. But, it has always been a dangerous world; evil has always existed and will continue to exist. I believe, good will prevail if the good are not paralyzed by fear, act decisively, and support each other. I pray for the leaders of old who refused to be paralyzed by fear and acted on the ideals and principles that we all cherish. I pray that our country is blessed again with another FDR, Jack Kennedy or Ronald Reagan. Time is running out; we are in desperate need.
Bo J. Rudzinskyj, LTC, U.S. Army (Retired)
Last Updated on Wednesday, 23 April 2014 10:02
Hits: 266


text:
Company Overview of Towergate Partnership Limited
Company Overview
Towergate House
Eclipse Park
Sittingbourne Road
Maidstone, ME14 3EN
United Kingdom
Founded in 1997
44 1622 754 754
44 1622 754 999
Key Executives for Towergate Partnership Limited
Towergate Partnership Limited Key Developments
Towergate announced that it is creating a new Retail Broking Division. This new division offers a great opportunity to build on retail leadership whether face to face, in offices, on the phone or digitally and to build Towergate's unique client offer as the UK's SME and specialist Broker business. The division will be led by Janice Deakin, who will join the Group as Retail Broking Director on 12 August 2015. The existing leadership teams led by CEOs Mike Lawton and James Tugendhat will work with Janice to transition to this new model and to keep transforming and building the business. In addition, Towergate is also pleased to announce that Sarah Dalgarno will be starting on 4 September 2015 in her role as Chief Risk Officer. Keith Jackson, who had postponed his planned 2014 departure to ensure an orderly handover, will leave following Sarah's arrival.
Towergate Insurance announced the appointment of Oliver Corbett as Interim Chief Financial Officer. Oliver replaces Scott Egan, who has become Interim Chief Executive as part of the recently announced Executive Team changes. Oliver was previously Chief Financial Officer of the London Clearing House. He is also a non-executive director and chair of the Audit Committee of Close Brothers. Marc Vassanelli will no longer be taking up the role as Interim Chief Financial Officer as previously announced.
Towergate chief operating officer Michael Rea is exiting as the company confirmed its executive team. Rea, formerly Towergate Insurance Brokers CEO, has been with the consolidator for seven years. The executive team will be led by interim CEO Scott Egan. As previously announced, former Arthur J Gallagher chief financial officer Mark Mugge is joining Towergate as COO. Former Marsh EMEA chief financial officer Marc Vassanelli is to join as interim chief financial officer. They will join the business next week. Former Aviva sales and marketing director UK general insurance John Kitson has been appointed to support Towergate with marketing and communications. The new recruits still to join the executive team are David Ross, appointed CEO, Gallagher commercial director Janice Deakin and Gallagher underwriting and distribution executive chairman Adrian Brown. The new appointments will work alongside the existing members of the executive team: underwriting CEO Clive Nathan, broking CEO Mike Lawton, direct CEO James Tugendhat, human resources director Carole Jones, and chief risk officer Keith Jackson.
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This profile for Why Not Now is located in Brandon, MS. Why Not Now industry is listed as Nonclassifiable Establishments. There are no officers listed for this company.
Matt Hopkins served as the Principal
Key roles for Why Not Now
Matt Hopkins
Comprehensive Insight Plus Report
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The width is listed as 22 inched. Would someone mind helping me understand if that is the widest measurement of the arms. I have a small balcony and the maximum width for the feet is 21 inches. Thank you.
I'm 5'6 and this chair is the perfect height and width. SO comfortable. Seem to be very well-made, but haven't had them long enough to see how they survive outdoors....
Deluxe Reclining High Back Patio Chairs (Set of 2)
Add an inviting element to your outdoor living space with these reclining patio chairs. This set of two chairs features lightweight construction from steel and mesh and can be reclined into seven positions for the ultimate in lounging and relaxation.
ITEM#: 12673641Upgrade your outdoor decor with this exclusive set of two high back patio chairs. These comfortable and durable chairs include a 7-position, 60-degree recline, for customized comfort in an instant. A lightweight folding design allows these chair to go anywhere. Whether you're relaxing by the pool or under the shade on your patio, these deluxe reclining high-back patio chairs are a must have for any outdoor event. The sleek and comfortable design provides the perfect combination of style and functionality. The chairs' seven positions ensure complete comfort while you're relaxing outdoors.
The frame of these chairs is made with treated steel that is strong and durable, so the chairs will last, making them an excellent long-term investment. The sling fabric is weather resistant, so you can leave them outdoors in inclement weather without fear. The chairs come assembled out of the box for your convenience.
- Set of two chairs
- Fold flat for transport or storage
- Treated steel frame
- Weather-resistant sleek grey sling fabric
- Weight limit: 275 pounds
- Dimensions: 41 inches high x 22 inches wide x 28 inches deep
- Seat is 19 inches high
|Set Size
|Set of 2
|Chair Back Height
|High Back
|See description
|Steel, 600 Denier Sling Mesh
|Model Number
Customer Reviews
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Finally a COMFORTABLE chair for my balcony
I'm 5'6 and this chair is the perfect height and width. SO comfortable. Seem to be very well-made, but haven't had them long enough to see how they survive outdoors.Read More
Great outdoor chair
Exactly what I was looking for in an outdoor chair. Good quality, looks good, folds easily to store and very comfortable. Just wish I bought more before it was sold out.Read More
Great for Block Parties
Easy to carry, fold and unfold, and quite comfortable.Read More
Lovely garden/ deck chairs
Very comfortable and sturdy chairs. Easy change of positions. Has weathered well being left on the porch.Read More
scratch and rust
should have returned these. they came badly scratched and now are beginning to rust....other than that size and function awesome.Read More
Perfect purchase
We went to Home Depot, Target, several online vendors, before seeing these. We were quite dubious that they would be sturdy and not look cheap given that they are foldable. Not only are they sturdy, but the reclining feature is to die for and they look like we spent at least twice as much. Even though it's late in the season, we are out every day enjoying these!Read More
I really like the comfort of these chairs. I thought they were a little high priced. But I guess you get what you pay for. I had really good chairs but moved into a smaller place with a balcony (no yard) and needed sturdy chairs that would fold up. These work fine. Of couurse I just got them so time will tell but they seem pretty sturdy.Read More
sturdy and comfortable
may be too heavy to carry back and forth to the beach, but they do fold up nicely. very comfortable to sit or nap inRead More
Attractive, well made, and comfy
These chairs look nice and are very comfortable. The seat fabric is a blend of black, white, and gray that overall looks slightly lighter than the photo to my eye. The chairs are sturdy and well built. The fold-up is convenient, but I wouldn't carry these to the beach - it's more for storage purposes. The reclining feature works by lifting up the armrests and pushing the backrest forward or back. My only complaint would be that the reclining and fold-up, while great features, make it hard to move the chairs around: everywhere I pick them up there seems to be a moving part. But that is worth putting up with for what are overall great chairs.Read More
ALL OF OUR INDOOR FURNITURE IS SHAKER AND THOSE WHO KNOW, SHAKER CHAIRS ARE KNOWN FOR THEIR SIMPLICITY AND GRACE, NOT COMFORT. WE HAD A DINNER PARTY AND ACTUALLY USED THESE CHAIRS. THEY ARE INCREDIBLY EASY TO CLEAN AND EVERYONE HAD A TRY USING THE CHAIRS AND CHANGING POSITIONS. THESE CHAIRS ARE KEEPERS AND WOULD RECOMMEND WITHOUT QUALIFICATION!Read More
Questions & Answers
Hello williamfisher, the width is taken from the widest part of the chair. The widest part on the chair is the arms. Have a great day!
How much does each chair weigh?
Hello Brit, one chair weighs around 10 pounds. Thank you for shopping with us.
Why did you choose this product?
Need folding patio chairs
Decent price and good reviews
Saw a similar chair that recline but was sold as a whole furniture set.
That they folded and reclined and appeared sturdy, hopefully they are!
wanted something for my small backporch - the folding Adirondack chairs were too expensive- after reading the reviews thought I give these a try- wish the arms were wider though
Ratings were good, I needed patio chairs that reclined back and found very little at a reasonable cost. These were reasonable.
They look similar to some chairs we have now, but that have worn out. We also wanted the reclining feature, and we have been unable to find that in any local stores.
Has features that I want
we had reclining chairs and they needed to be replaced. we couldn't find reclining folding chairs anywhere else
convenience of folding flat for storage, and the reclining feature. wish they would have been available in additional colors.
Size, reclining feature, and many positive reviews.
Good reviews
My new puppy chewed one of these chairs I already owned and purchased from Overstock.
I bought this chair a couple yrs ago. They have now been weatherized. Is there a way to repair the ripped and brittle bottom or back? If you are unsure can you let me know the manufacture? Thank you
Hello emontoya909, we are unable to disclose the manufacturer of some of our products; however, Overstock.com stands behind every product we sell. When necessary we can contact suppliers if a product issue arises. Thank you for shopping with us.
What are the dimensions of the back section (the section your back rests against)? I'm 5'-6" and my husband is 6'-0" and I'm trying to figure out if our heads and necks will be supported when we recline the seats backward. (We would like to use them for star gazing! If these won't work for that, can you recommend folding chairs that recline and have neck/head support?)
Hello stargazer7, the back of the seat is 22 inches in height. That should be adequate for support for your star gazing. Thank you for shopping with Overstock. Shelia B.
Is there a matching ottoman available? If so what is the price?
Hello tasteless, there is not a matching ottoman available for this chair. Thank you for shopping with us. Vicki H
What is the length of a fully reclined chair when viewed from the side? (e.g. the length of an enclosed deck needed in which to place a fully reclined chair without going over the perimeter - (without adding on any room for the legs of a person seated in the chair))
Hi po101, we were able to verify this information with our support team. Fully reclined the chair measures just under 4 feet laterally. We hope this helps. Thanks for shopping with us.
what are the dimensions of this chair?
Hello 340sunset, The dimensions are 41 inches high x 22 inches wide x 28 inches deep and the seat is 19 inches high. I hope this helps, thanks for shopping with us.
Can I order chairs in light tan color?
Thank you for shopping with us 1234heidi. I searched and we do not have it in tan. I did a search of tan patio chairs and this is the chair that came up 7324513. I am sorry it is not a high back chair. Here is the link to the search. I hope you find something that meets your needs, have a great day. http://www.overstock.com/Home-Garden/Barcelona-Resin-Wicker-Outdoor-Dining-Chairs-Set-of-4/7324513/product.html
My picture show chairs to be black, is that correct
These chairs are grey.
What is the maximum weight that this chair will hold?
The chair''s weight limit is 275 pounds.
How much does one chair weigh?
One chair weighs around 10 pounds.
Shopping Tips & Inspiration
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Top 5 Pieces of Poolside Furniture
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Creating a Modern Patio with AngeloHOME Furniture
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Standard Return Policy:
Items must be returned in new or unused condition and contain all original materials included with the shipment. More Details
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text:
Always be quick looking!
It's all about timing.
Taswellissimo and Je' Gerstvara commit ruthless acts of unscrupulousness, all in the name of happiness.
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Terms of Use and Privacy Policy
Microsoft brings backwards compatibility to the table, along with a bunch of new and familiar franchises.
Crota's dad is pretty pissed off, y'all. Better hop on his dreadnought and do something about it.
With nine different specialists to choose from, each with their own unique skills, it seems like there are many new ways to play Blops 3.
See that tower down there? You can drive to it.
Birdie and Cammy have become the fifth and sixth members of the Street Fighter V roster.
Anyone taking bets on it being a 20th anniversary edition? September 2017?
It's a post-post apocalyptic world full of robot dinosaurs out there.
Hell hath frozen over.
No word on if Cher is on the soundtrack though. It's also coming to PC.
Easily one of the best kept secrets of E3 2015.
Jeff and Jason got some hands-on time and wanted to share their experience with you.
Why didn't this make it into the press conference? Hopefully AC is back on track.
Not to be confused with 1886 London. Because no one wants that.
Blue Byte's strategy franchise continues into the future.
Angela Bassett is issuing orders for Team Rainbow as Agent Six.
It appears that car festivals have been scattered all over a America. The end times are near.
I'm not making this up. I can't.
Deep down, when you really think about it, you're either a knight, a viking, or a samurai. That's just genetics.
We finally have a release date and it's March 8, 2016.
I feel like this is gonna give Brad nightmares about the Mile High Club achievement.
In one of the biggest shockers of E3 2015, Ubisoft is making another South Park RPG.
Oh, Vinny.
Please don't give her a gun. Please don't give her a gun. Please...okay, cool.
Dude...you...you've got a little something on your forehead. You should get that checked out.
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text:
Efie Kokkoli
- Rank
- Principal Investigator
- Current Occupation
- Professor of Chemical Engineering and Materials Science
Graduate Faculty of Biomedical Engineering
- firstname.lastname@example.com
- Office
- 306 Amundson Hall
- Office Phone
- 612-626-1185
Current Group Members
Mike A. Harris
- Rank
- Graduate Student
- firstname.lastname@example.com
- Office
- 218 Amundson Hall
- Office Phone
- 612-625-8573
- Research Description
Aptamer-amphiphile self assembled nanotubes and their use in targeted delivery of therapeutics
Huihui Kuang
- Rank
- Post Doctoral Researcher
- firstname.lastname@example.com
- Office
- 336 Amundson Hall
- Office Phone
- 612-625-0584
- Research Description
Synthesis and characterization of ssDNA-amphiphiles
Rachel M. Levine
- Rank
- Graduate Student
- firstname.lastname@example.com
- Office
- 218 Amundson Hall
- Office Phone
- 612-625-8573
- Research Description
Dual-targeted delivery of plasmid DNA encapsulated liposomes for the treatment of metastatic colorectal cancer
Tim R. Pearce
- Rank
- Post Doctoral Researcher
- email@example.com
- Office
- 218 Amundson Hall
- Office Phone
- 612-625-8573
- Research Description
Design and characterization of aptamer-amphiphiles for selective binding
Carolyn Scott
- Rank
- Graduate Student
- firstname.lastname@example.com
- Office
- 218 Amundson Hall
- Office Phone
- 612-625-8573
- Research Description
Peptide-amphiphile hydrogels for tissue engineering
Undergraduate Researchers
Amanda Kummeth (Undergraduate Researcher) Chem Colgate University, visiting undergraduate
Past Group Members
Maroof M. Adil (Graduate Student 2013) Ph.D. ChEn 2013; Postdoctoral Scholar, University of California, Berkeley, USA
Nicole Atchison (Graduate Student 2012) Ph.D. BME 2013; R&D Engineer, Covidien, USA
Anastasia Mardilovich. Behr (Graduate Student 2006) Ph.D. ChEn 2006; Associate Engineer, Dow Chemical, USA
Jennifer A. Craig (Graduate Student 2007) M.S. BME 2007; Accenture, USA
Döne Demirgöz (Post Doctoral Researcher 2008); Research Investigator II, Bristol-Myers Squibb Co., USA
Ashish Garg (Graduate Student 2009) Ph.D. MatSci 2009; Senior Scientist, Teva Parenteral Medicines, Inc., USA
Chuan He (Graduate Student 2006) M.S. MatSci 2006; PRC
Todd O. Pangburn (Graduate Student 2012) Ph.D. ChEn 2012; Senior Engineer, Dow Chemical, USA
Matthew A. Petersen (Graduate Student 2013) Ph.D. MatSci 2013; Materials Scientist, ProMed Pharma, USA
Emilie L. Rexeisen (Graduate Student 2010) Ph.D. ChEn 2010; Senior Chemical Engineer, 3M, USA
Kamlesh Shroff (Post Doctoral Researcher 2015); Scientist, Novel Laboratories, Inc., USA
Garrett Swindlehurst (Graduate Student 2014) Ph.D. ChEn 2014; Development Specialist, Praxair Technology, Inc., USA
Alison W. Tisdale (Graduate Student 2009) M.S. ChEn 2009; Eleven Biotherapeutics, USA
Ajay Vidyasagar (Post Doctoral Researcher 2014); Senior Product Development Engineer, 3M, USA
Brett Waybrant (Graduate Student 2013) Ph.D. ChEn 2013; Research Chemical Engineer, Bend Research, USA
Past Undergraduate Researchers
Colin Anderson (Undergraduate Researcher 2007) Carleton College, visiting undergraduate
Michael Baranello (Undergraduate Researcher 2009) ChEn UMN
Kelly Carnahan (Undergraduate Researcher 2009) ChBE Tufts University, visiting undergraduate
Katelyn Dahlke (Undergraduate Researcher 2012) ChBE Iowa State University, REU participant
Christina Dinh (Undergraduate Researcher 2015) ChEn UMN
Jennifer Eler (Undergraduate Researcher 2010) Macalester College, visiting undergraduate
Zach Erdman (Undergraduate Researcher 2013) ChEn UMN
Wenjie Fei (Undergraduate Researcher 2013) ChEn UMN
James Fulton (Undergraduate Researcher 2009) ChEn UMN
Erika Gemzer (Undergraduate Researcher 2006) ChBE Georgia Institute of Technology, REU participant
Katerina Georgiou (Undergraduate Researcher 2011) ChEn UMN
Eman Haidari (Undergraduate Researcher 2006) Chem. & Gen. Cell Biol. Develop. UMN
Kyle Huston (Undergraduate Researcher 2010) ChEn UMN
Andrew Klein (Undergraduate Researcher 2011) BME UMN
Kangbao Kong (Undergraduate Researcher 2013) Chem Saint Paul College
James Lloyd (Undergraduate Researcher 2008) ChEn UMN
Jeremy Lois (Undergraduate Researcher 2007) Macalester College, REU participant
Alex Madsen (Undergraduate Researcher 2009) Chem UMN, REU participant
Matt McCammon (Undergraduate Researcher 2006) ChEn UMN
Mohamed A. Mohamed (Undergraduate Researcher 2012) Gen. Cell Biol. Develop. UMN
Brianna Nagel (Undergraduate Researcher 2012) ChBEE Oregon State University, visiting undergraduate
Mark Olstad (Undergraduate Researcher 2006) ChEn UMN
Nwamaka Onyeozili (Undergraduate Researcher 2010) Chem Florida A & M, REU participant
Aadarsh Padiyath (Undergraduate Researcher 2014) Woodbury High School, visiting high school student
Bradford Paik (Undergraduate Researcher 2010) MatSci UMN
Vasiliki Papanikolopoulos (Undergraduate Researcher 2013) ChBE University of Pennsylvania, visiting undergraduate
Alex Pepin (Undergraduate Researcher 2008) ChEn UMN
Lucero Ramirez (Undergraduate Researcher 2013, 2014) University of Texas at Pan American, REU participant
Lía Randall (Undergraduate Researcher 2005) Universidad de la República, Uruguay
Pranay Rao (Undergraduate Researcher 2012) BME Johns Hopkins University, visiting undergraduate
Yumi Rho (Undergraduate Researcher 2011) Chem Macalester College, visiting undergraduate
Shalene Sankhagowit (Undergraduate Researcher 2008) ChEn UMN, REU participant
Jamie Thompson (Undergraduate Researcher 2011) ChBE Tufts University, visiting undergraduate
Javier Topete (Undergraduate Researcher 2014) University of Texas at Pan American, REU participant
Irene Torija (Undergraduate Researcher 2010) ChEn Universidad Autónoma de Madrid, visiting undergraduate
Wenshi Zhang (Undergraduate Researcher 2013) ChEn UMN


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Just the Answer – AXA Millesimes
Persuading shareholders to back investment in the wine business can be a tricky challenge but AXA Millesimes has shown that if the business model is right, shareholders will embrace the idea. In this month's Just the Answer interview, Christian Seely, AXA Millesimes' managing director, spoke with Olly Wehring about the company's strategy, which involves concentrating on high-end, estate wines and taking a long-term view towards its investment.
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Baby Shower Invitations for Every Theme
Tame the wild animals with this simple yet elegant invitation featuring mommy and baby giraffes. A subtle background pattern adds depth to the design, while a colorful frame makes your message pop. Also available in teal and orchid.
To buy: Classic Giraffe, 50 cards for $97.50, paperculture.com.


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Content Tagged with "sara"
Sarai Wakes Up
We brought you her getting her boobs out at a restaurant not long ago and now you get to see her wake up routine. It apparently consists nude selfies, self massage and getting dressed!
Hot Babes Doing Stuff Naked: Camping
Playboy bunnies help some random guy pitch a tent. Featuring the one and only Sara Jean Underwood!
Sarah Sets her Puppies Free
The boobs come out around the 2 minute mark and what great boobs they are. Today's a good day to be a boob lover (then again so is every other day)..
Best Pillow Fight Ever (Nudity)
5 sexy models, a bunch of pillows and one bed. When the clothes start coming off, you know it's on! Their names are Titania (really!), Carlotta, Mariela, SaraLiz and Jessamyn!
Deep Inside SaraLiz
When she's not anally fisting sex dolls, pillow fighting with her girlfriends naked or winning burping contests she's actually your average kind of girl. Or is she?
Nude Aerobics - Playboy Style!
Ready to work up a sweat? You will be after watching this. The girls in this hot video in no particular order are: Nikki Mitchell, Kendra Ivy, Haley Sorenson and Sarah Michaels.
Two Hotties in a Fun Nude Shoot
This is the behind the scenes video of the gallery we posted yesterday, featuring Maya Helena Codina and Sarah Pipkin. There's even a quick nude can-can performance!
Sarah Marie Shows her Curves
Meet Sarah, she's originally from Colorado, she's 21 and she's got an ass she loves to show off! You really need to view these in full image mode to do them justice..
Sarah Shows Off her Perfect Boobies
After a long and presumably hard day, Sarah gets home and strips seductively on her bed. She doesn't take everything off though, for some reason the stockings stay on.
Busty Blonde and Brunette Get Naked in the Makeup Room
Sarah Summers and Eugenia Diordiychuk decided to have a bit of fun with each other while getting their make up done. Sexy fun.
Stacey and Sarah Strip Each Other in the Snow
I don't know if it's the setting or the hotness of the two babes but this is pretty damn hot.
Sarah Strips in the Snowy Woods
If a Sarah drops her bra in the woods and nobody is there to see it, is it still sexy? Um, yeah of course it is. What a stupid question.
Sarah McDonald Strips in the Store Room
It was a great day at work, Sarah dropped by and said she had a surprise in the store room for us.
Sarah Randall Goes Topless
The 26 year old Welsh hottie is at it again, slowly peeling off her top to reveal her large breasts!
I know I change my mind often when it comes to my favorite 'fan' video, but this one has to be right up there. Nice melons indeed!


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Denver Base Camp Week
Denver Base Camp has begun! Join us for an amazing week of specialty beer tastings, beer and food pairings, and appearances by Woody, the giant beer barrel on wheels. Several of our brand ambassadors, including one of our brewers, will be on hand at the events below to provide some in-the-trenches insight into our courageously crafted brews.
Categories —Base Camp, Denver, Deschutes Brewery, woody, Events
GABF Medal Winners
Photo taken by Celebrator Beer News
We are very excited to announce that we came home this weekend from the 2011 Great American Beer Festival in Denver, CO, with some new hardware! Above, Larry, Alicia, Jake and Ryan pose with Charlie Papazian as they accept one of three awards.
Categories —awards, awards, Brewery, GABF, Great American Beer Fest
Fresh Hop Mirror Pond . . . Enhancing Perfection
Brewmaster Larry Sidor admiring his heirloom Cascade hops
Categories —Brewery, Deschutes Brewery, fhmp, fresh hop mirror pond, goschie farms, wet hopped beers
Let the Festivities Begin... Jubelale Is Here
Artists Cara and Louie with their mitten knitting friend Christa
Categories —beer art, Brewery, central oregon artists, jubelale, Jubelale, winter seasonal
Seattle Base Camp Week Event Line-Up
We are bringing our Base Camp campaign back to Seattle for an amazing week of specialty beer tastings, beer and food pairings, and appearances by Woody, the giant beer barrel on wheels. Deschutes Brewery ambassadors and fanatics will be on hand to provide some in-the-trenches insight into our courageously crafted brews at the following events:
Categories —Base Camp, Base Camp Week, Cyclocross, Deschutes Brewery, Fremont Oktoberfest, Mirror Pond Pale Ale, Seattle, Events
Mike's Angle
Extended Summer
We had a slow start to the summer in Bend this year, but I believe I've figured out a way to extend it for a couple more months (those of you who live in Phoenix may not want to hear this). It's a calendar thing. In our little microclimate of Bend we have summer during the 7th and 8th months of the year (July and August). Here we define "summer" as a period of time where the chances of your plants freezing are generally below 50%. Summer's a funny word isn't it? Say it a few times out loud: summer, summer, summer.
Categories —Brewery, Deschutes Brewery, summer, Twilight Ale
Introducing The Stoic, Our Belgian-Style Quad
Deschutes Brewery's newest enterprise, The Stoic, a Belgian-style Quadruple, has finally arrived! Its five year odyssey from experimental beer to coveted Reserve Series eminence is complete. The finest Belgian brewing philosophies have inspired this contribution to the American Quadruple scene, mingling the four virtues of compelling ingredients, nuanced flavor, sound body, and a composed harmony. The Stoic requires discovery of the truth of the matter.
Categories —barrel-aged, Belgium-style beer, Brewery, Quad, Reserve Series, The Stoic
Check Out This Year's Street Fare Line Up
We are really getting excited for our 2nd annual Street Fare coming up next Thursday. Have you seen the amazing list of Portland food carts and indie bands that we were able to recruit? And all for a good cause! Proceeds benefit Morrison Child and Family Services and the entry fee is only $10, which includes your 1st food & beer taster or a full 16oz beer!