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The ford figo case study
Mohanish Chopra
, Manager - Marketing at CMS IT SERVICES Pvt. Ltd.
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Feb 09, 2014
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Transcript of "The ford figo case study"
1. 2010 FORD FIGOed it out in INDIA AUTHORS: MOHANISH CHOPRA ROHIL RAINA
ACKNOWLEDGEMENT It was a great learning experience developing this case study under the able guidance of Mr. SANJIT KUMAR ROY. We express our gratitude and sincere thanks to you sir. Without his active support, guidance and encouragement the project would not have been on the lines where it is. We are obliged for all the support, he provided to us and co-ordination in providing the study material which has helped tremendously to make the project informative and comprehensive.
"Our exciting new Ford Figo shows how serious we are about India. It reflects our commitment to compete with great products in all segments of this car market. We are confident the Ford Figo will be a product that Indian consumers really want and value.1" Mr. Alan Mullaly President and CEO, Ford Motors "The Ford story is not about supporting the domestic market, but overseas too. I am excited. In the very near future, we will be sending the first load of Figos to South Africa. That is the first overseas market. In the next 3-4 weeks, we will announce the names of other markets where Figo will be going. They are mainly in the Asia Pacific and Africa region and a couple of other areas as well2". Michael Boneham, President and MD, Ford India. Introducing the cool factor In the automobile market, the success depends on the ability to get the right product into the market at the right time for the right segment. This is something that FORD, which is one of the world's largest and most successful auto makers, had failed to do in INDIA, for about a decade, as till now ford was offering mid size sedans and SUVs and nothing in the small car segment which forms nearly 70% of Indian car market3. Realizing the need of hour Ford introduced FIGO, the first hatchback out of the FORD stable in INDIA. It was launched officially on 10 March 2010 4by Michael Boneham, President and MD FORD India. Ford happens to be an American auto major. But surprisingly, the Ford Figo has not premiered in its fatherland. Ford India Executive Director (Marketing, Sales and Service) Nigel Wark said, "For years, we have been seen as offering only premium priced products in India, and that has kept us as a small player operating in only 20 per cent of the market. With Figo our customers will see a
premium product at an affordable price.5" He knew,this may prove to be the golden goose for the company in INDIA, which since its entry in INDIA had been facing average sales. FIGO which in ITALIAN stands for 'cool'6 was targeted mainly for the youth of the country, with a new contemporary shape and large sized windows and attractive colors. It was first launched in fluorescent green color which symbolizes the youth and freshness. Many feel it comes from the famous "Go Fida" tagline given to the Fiesta. Figo is said to be built specifically to fulfill the needs of small car buyers in India. It is manufactured in Chennai, Tamilnadu, India only. Ford wants to make an entry into the compact car segment, to compete with the likes of Hyundai, Maruti-Suzuki, Tata Motors and General Motors. Ford's introduction of the hatchback has driven company sales to levels never seen before. Riding on the success of the recently introduced Figo, Ford's sales in India have skyrocketed to 32,755 units through the first half of this year compared to just 13,897 units sold in the first six months of last year.7 Background note The Ford group World's fourth largest automaker, Ford Motor Company, was founded by Henry Ford and incorporated on June 16, 19038. Ruling the automobile sector for over a decade, the company had a modest start with a capital of just $28,000 from 12 investors. In the early years, the company produced just a few cars a day at its factory on Mack Avenue in Detroit, Michigan, USA. The year 1913 added further success and increased the productivity of the company. It was in this year that Ford introduced and implemented the use of the 'moving assembly line'. The new technique gave the workers the liberty to stay in a single place and execute a series of similar tasks repeatedly on a number of cars at the same time. This method improved and made the production process efficient. Also known as Fordism, the method helped the company conquer the market with its range of affordable vehicles. By the advent of the First World War, Ford Motors produced half of the cars sold in the American and English market. Ford also facilitated the production of many cars and trucks for military purpose as well. In 1922, Ford purchased the Lincoln Motor Company which helped the company in the production and introduction of luxury cars. With the increased popularity and productivity, Ford became the largest assembly plant in the world and by the Second World War; it produced not only the standard military vehicles, but also B-24 Liberator bombers and tanks. The World Wars had no negative impact on the company; rather it gave the company an impetus for
growth and development. Ford Motors launched many famous models in the 1950s and the 1960s, like the Thunderbird in 1955 and the Mustang in 1964. One of the most important factors that contributed to the development and expansion of Ford was that it continued to develop and implement the latest technologies in its cars. In 1979, Ford acquired 25% stake of the Japanese carmaker Mazda, while in 1987 it bought Aston Martin. Two years later, in 1989, the company acquired Jaguar. The acquiring spree continued as the company took over Volvo in 1999 and Land Rover in 2000. Ford celebrated a successful 100 th year in the market in 2003 with the release of Ford GT. The event also marked the release of limited centennial editions of some Ford vehicles. Ford is currently the second largest automaker in the U.S.9 and the fourth-largest in the world based on number of vehicles sold annually, directly behind Volkswagen Group. Ford had revenues worth US$ 164.5 billion in 2003 and is spread across 200 countries with over 327,000 employees. Ford was the seventh-ranked overall American-based company in the 2008 Fortune 500 list, based on global revenues. Ford sells vehicles under various brand names such as Aston Martin, Ford, Jaguar, Land Rover, Lincoln, Mercury and Volvo. Ford has faced certain financial problems in recent years that led to the selling of certain brands like its former UK subsidiaries Jaguar and Land Rover were sold to Tata Motors of India in March 200810. In 2010 Ford sold Volvo to Zhejiang Geely Holding Group. Nonetheless, the company has continued to prosper and hold an important position in the world automobile market. Japanese invasion In a bid to expand its overseas operations and enter the new markets, Ford started exporting some of its car models to Japan. Until 1939, before World War II, the company sold about 10,000 Model A Fords annually in Japan. When Ford reentered the market after the war, in 1953, it imported only a limited number of cars each year. The Japanese market dynamics were not as predicted by ford and various factors like the prices of real estate were so expensive in Japan, most auto dealerships did not resemble American dealerships with their large buildings and massive car lots. The foot hold of local players provided the biggest hurdle in the entry of new foreign player in the market. Evaluating the various options Ford decided to close its operations in Japan then. After a detailed research on Japanese consumers, it analyzed that the typical Japanese consumer was less interested in power car drives than in how it looks. Because Japan had such a well-developed public transportation, many Japanese used that system for day-to-day travel. The Japanese treated their car as an ornament to be polished and cared for but used only occasionally.
Ford in a pursuit to tap this opportunity and to reenter the Japanese market, after learning from its previous mistakes, acquired some stakes in Japanese manufacturer Mazda in 1979; Ford began selling Mazda's Familia and Capella (also known as the 323 and 626) as the Ford Laser and Telstar, replacing the European-sourced Escort and Cortina. The new Mustang represents Ford's flagship model in a new line of cars it introduced in Japan in mid-1994. Although Japanese cars had their steering wheel on the right-hand side of the car, Ford's Mustang was a left-hand-drive model that targeted a high-profile niche market.11 Ford positioned the Mustang squarely against Nissan's Z cars and Toyota's Supra, cars that have dominated the 'muscle car' niche in Japan. Along with the Mustang, however, Ford introduced three right-hand-drive models - Probe, Laser, and Mondeo - that targeted the compact-sedan market long ruled by Honda's Accord. This segment accounted for one-third of the Japanese market. Ford produced these new 'world cars' as part of a 6 billion Dollar development effort. This was the first time any American car company has offered right-hand-drive cars in Japan. Over increasing competition and economic downturns had its impact on the business of Mazda and it struggled to maintain its revenue rolling in. Ford helped its Japanese partner in 1996 by buying more stakes in it, and assisted in a complete restructuring of the business in 2000 in order to counter several years of slow and steady decline, especially in the domestic Japanese market. Effect of Recession The Global economic melt down had major impact on the business around the world and automotive sector was one among the majorly hit sectors. Among the major Autos players Gm, Chrysler etc faced the heat. It was due to well managed and strategically correct business decisions that ford, during the economic recession was the only Automobile manufacturer that did not wait for the bailout, rather churned cash from its own reserves to maintain cash flows and the business. In one such advancement, ford in order to increase its liquidity and maintain its cash reserves it reduced its 33.4% controlling interest in Mazda of Japan, to a 13.4% non-controlling interest in November 2008.12 With economy coming up again the spending power has increased and the first sector to show signs of great recovery was automobiles. December month sales figures for many autos were significantly higher than previous months and companies have geared up with new models and releases to capitalize on the feel good factor in the market.
The small car segments is heading for a stiff competition due to new models planned by FORD, Nissan and Volkswagen the models include Figo from FORD , MICRA from Nissan Renault and much awaited POLO from Volkswagen. FORD in INDIA Ford started its innings with the Mahindra-Ford joint venture formed in 1994, which produced the Escort out of M&M Nashik plant.13After meeting initial success, sales of the Escort was finally replaced by the Ikon in 1999. The Ikon marked a new beginning for Ford in India. It rolled out of the Marajmalaingar plant near Chennai and by now, the company had parted ways with M&M and was renamed Ford India Ltd in 1998. The Ikon was the first model by a multinational to be developed specifically for India. Though it was based on the Fiesta, it was a unique body style and was offered and was offered with an option of three engines, including a diesel. The car was a big hit. The Ikon underwent several face-lifts and price cuts to keep demand high. However, fresher competition and a reputation for high-maintenance saw sales gradually decline. After the arrival of the modern and highly-capable Fiesta, another made-for-India car, with state-of-the-art engines, the Ikon has been marginalized. The Fiesta has picked up where the Ikon left and is selling well. Though the Ikon and Fiesta have been the mainstays of Ford's production in India, the company has had limited success with other models. The Mondeo, launched in 2001, was a very talented car but was simply not suited to Indian conditions and earned a reputation for being exorbitant to maintain. The Endeavour SUV was launched in early 2004 and has sold well for its niche. In 2004, Ford launched the Fusion, which has received a lukewarm response though the recent diesel variant has perked up sales. . The Endeavour has recently been upgraded in 2007 and this has boosted the appeal of the big SUV. Presently offering five different models, Ford India Limited (FIL) is catching up fast with the Indian consumer. During all these years Ford wasn't able to dominate the Indian car market as it was only catering to upper middle class and rich urban population with its offerings and the Indian customer was very reluctant to upgrade his car resulting in no repurchase. This segment only constituted 25-30 % of total Indian car market segment. Moreover the uncertainties and fluctuation in the Indian car market also played a major role in their slow growth. The major key players in Indian market were Hyundai, Maruti-Suzuki, and Tata Motors which were catering to almost 50% of the entire market here. The main reason being the major
population chunk was middle class which will generally go for hatchbacks as that fits well in their budget and is considered as best value for money. Ford envisioned major scope for growth in Indian car market looking at India's growing economy and induction of more and more urbanization. They were here to stay for they had invested 12 good years in understanding the market here and growth opportunities. This gave birth to idea of getting a hatchback specially made for Indian market and hence FIGO was introduced. Introduction of Figo in India Ford unveiled its small car for India, called the Figo, which means "cool" in Italian, on 10 March 2010 in florescent green color positioning itself for young urban working population. The Ford Figo has a new contemporary shape & large side windows that makes it distinctly different from other brands in this segment.14 It will be powered by 1.2 liter petrol or 1.5 liter diesel engines. Figo is said to be a redesign of the 5th generation Fiesta that has been on sale for a decade. It has been built specifically to fulfill the needs of small car buyers in India. It is manufactured in Chennai, Tamilnadu, India only. Ford Figo is designed and engineered by Ford Australia.15 The slim upper grille and large lower grille, body colored bumpers with fog lamps create a magical view that pleases the eyes. Figo was very much in sync with the Ford vision of "One Ford" and the famous Ford tagline "Make everyday exciting". The Figo has got great big-car feel. The ride is one of the best in class, good at both low and high speeds. It's very stable at three digit speeds and you can see Ford's 'driver's car' DNA in it. The steering is light and nicely weighted for city use. The Figo is one of the biggest B-segment cars in India. It's longer than the Swift, has a longer wheelbase than the Fusion. Interior space is good, the seats make up by being very supportive, and seat height and back support are good as well. It has an aesthetic design and interiors are magnetizing to eye. After the florescent green colored Figo made waves, customer was given an option to choose Figo in 7 more colors. The various colors are: Diamond White, Panther Black, Moon Dust Silver, Squeeze, Colorado Red, Sea Grey and Metallic Chill.16 The central console houses a music system with Bluetooth compatibility and auxiliary in coupled with four speakers on the titanium, the low and mid range sound quality and the bass is quite good. The Bluetooth can pair up to five phones at a time; however, only one can be operational at a given time. The user can access his phonebook, call logs and even the redial
numbers through the system itself. The speed sensing volume comes at a standard, which means the sound automatically increases with speed.17 In order to change the perception for ford cars being expensive to maintain FORD used long lasting parts. In testing phase, it was ensured that the components must pass a minimum of 100,000 kms during durability runs .FORD reduced its costs by achieving economies of scope by manufacturing the parts locally rather than being imported and as a result FIGO has 75% localized content . In case of accident FORD has ensured that it is possible to change smaller parts rather than the entire body structure moreover, a special care has been taken to ensure that cost of parts (bumpers)which are more prone to get damaged in an accident are kept low. Mileage, Average and Fuel Economy Ford Figo is available in the Indian auto market in both petrol and diesel trims. The petrol variants of Ford Figo are packed with the all new 1.2L, 1196cc, SEFI engine with five speed manual transmissions. The vehicle gives a standard mileage of around 12.5 kmpl mileage in the city while on the highway it offers mileage around 15.5kmpl. The engine also meets with BS-IV (Bharat Stage - IV) emission norms. On the other hand, diesel variants of Ford Figo are powered by Ford's popular 1.4L, 1399cc, Duratorq diesel engine which has gained popularity since it delivers excellent drivability and fuel economy. This engine too, satisfies the BS-IV emission norms and delivers excellent power, performance and mileage. The 1.4L diesel engine offers a mileage of around 14.5 to 15kmpl in the city while on the highway it delivers a mileage of 18.5 kmpl. A very interesting feature that has been added to Ford Figo is the 'Distance to Empty' feature that informs you how many kilometers you can go with the available petrol in the tank. Market Research Ford was doing good business till now in India but it wasn't catering to the major segment of the market. Since the launch of the Ford Ikon way back in 1999 speculations were on as to when Ford would introduce a small hatch. It's not that Ford cars were not selling, and indeed the success of the Ikon and 1 lac sales of the Fiesta are proof to the contrary, but Ford were playing with a mere 20% market. A majority of Indians, when looking for a new car will be thinking of getting a 'Small Car'. Many government regulations were doing good to encourage consumers for B segment cars. As a result, this is the segment most manufacturers have to have a presence in, in order to have an overall healthy market share.
Moreover Pricing plays another big factor whether a car will sell in numbers (just take for instance the Swift or the i10) or will get stuck at modest or even small numbers (the Fabia and the Jazz for example). Indian mentality is set at comparing how cheap the car is to its competitors, and at times providing more features for a premium can really backfire. Ford took note of these two points (especially after the Fusion did not do too well) as once Michael Boneham, President and MD, Ford India said in an interview, "If you aren't catering to more than 70 % of the market, you are not present in the market" 18and finally Ford launched the Figo in March 2010 at a base price of 3.6 Lakh. Ford have kept only the most necessary features and used smart and innovative designs like the distinctive human-eye shaped headlights, to enhance the design appeal and reduce the cost of the Figo, but fortunately as cheap quality was not what Ford had in mind while planning the Figo. The quality of the Car's Parts and the fit and finish are right up there. The company's proclaimed aim was to offer a Quality Product at an Affordable price, and with 25,000 cars sold in just 100 days19 it indeed seems that Ford has got it just right with the Figo. The company has taken the price of the base variant of Hyundai i10 as its benchmark for the petrol variants of Ford Figo that is priced at Rs 3.5 to Rs 3.6 lacs. While the diesel variants of Ford Figo are priced in the range of Rs 4.5 to Rs 5.45 lacs. These exceptional price ranges for such a large and stylish premium hatchback model has given it a good start. Marketing: Ford entered the arena of B segment car line when the competition was at its peak with major players like G.M, Volkswagen, Maruti and Tata already getting into the consideration set of target audience which FORD was planning. Now the major challenge for FORD was how it grabs the eyeballs. The main target audience for FIGO was the young working people and urban INDIAN middle class families and moreover to tap the emotional chord of INDIAN consumer the green color which marks growth, prosperity and creativity in INDIAN culture, the FIGO was launched in fluorescent green color which also showcased its youth and fresh appeal. Print media, television and internet were the major source of advertisement. FORD tied up with big advertising market players like JWT20 to make sure that there positioning is communicated effectively.The viral marketing campaign such as the one done on the facebook and orkut to attract the young users were very effective. Moreover, advertisements like the ones done in times of India in which users were asked to sms 'FIGO' to a number wherefrom they could download an application for free which enabled them to view animated figo once there cameras were focused on the print ad,this was a new kind of ad campaign which attracted many readers. (exhibit 3)To attract the creative class within the young working INDIANS some advertisements were showcased in which peacock was shown get envious of FIGO'S vibrant color and hitting it with its beak.
As a part of its promotional strategy FORD made bookings for test drives available on the internet at many famous automobiles websites and social networking sites as facebook and orkut. It also used these sites as an advertising channel with the official communities of FIGO and various discussion pages abuzz with reviews from bloggers, auto experts and customers. FORD also started competitions on these sites like best reviewer of the week and a contest between auto bloggers wherein the best one gets FORD FIGO as the prize. They also displayed pictures and videos of FIGO in serene locations and couples sitting besides a FIGO near the sea. The communities also gave a driving or maintenance tip every three –four days giving a message that FORD cares for its customers. A good example being a tip given that gave information about how to keep the windows frost free in rainy seasons while the a/c is on. Sales: Figo turned out to be the trump card for ford for it gave Ford the much needed grip in Indian market. Though the other cars from ford stable were doing average business but it was unable to make it mark. Figo did a U turn of fortunes for Ford in India.21 The sales figures for Ford started rising exponentially and Figo was the major contributor. Ford Motors India posted a remarkable sales figure of 22,858 units in the first quarter of 2010(April-June) as against 6,184 units sold in the same period in the previous year largely attributed to FIGO. Figo has set records of a sort, with over 10,000 orders booked in the very first month after it went on sale. Over 25,000 units of the Ford Figo were already booked within 100 days. For the month of June 2010 the sales went up by whopping 267%, where the company clocked total sales of 7,269 units, compared to 1,982 units sold in June'2009. As on 1st September 2010, ford has approximately sold 40000 units of Figo and is selling for the already booked orders. It tapped the right cord of Indian consumer and consumers didn't mind waiting for more than a month also for its delivery. Currently the waiting period of Ford Figo is four to six weeks and it intends to reduce the period to less than four weeks. Ford had also announced that it will be increasing Figo's price in coming few weeks. Ford is also adding new dealerships in its network to increase the count up to 200 from its current 166 dealerships. 22 Figo not only won the hearts of Indians but also was praised by critics as well. FIGO got the best diesel car award from ziggwheels.23It indeed had a great run in such a short span of time. Next Step After the overwhelming response of Figo in its initial phase, now it is time for ford to analyze and decide how it continue its present aura and how it capitalizes on the impetus provided by Figo. So they needed to devise a clear roadmap of future course of actions and their sequence.
Indian market strategy: New Model Variants: As said by Ford CEO Alan Mullaly "The Figo shows how committed we are about Indian market", continuing on that ford plans to launch more variants for B- segment cars in India so as to increase its market share and leverage on the success of Figo. New regional markets: Looking at the present web of dealership what Ford currently have, it is very low as compared to their competitors. They will have to increase their dealership network and try focusing on areas which they haven't touched till now. Export market strategy: After receiving the applause in India, Ford believed that it could generate similar response in export markets as well. In order to take this opportunity ford classified the Nepal and South Africa as emerging and hence as potential markets. Though the entire production will be done in India and then will be exported to South Africa and Nepal. There won't be any changes in the Figo as such as of now. Future Looking at the kind of response Figo is getting and the demand from the market, Ford is planning to double its manufacturing capacity at its Chennai facility to 200,000 units per annum by 2010 and is doing an investment of $500 mn, 24 to take on its competitors in India as well as in other markets as Ford plans to export the Figo to 50 new markets including Mexico, North Africa and middle east from 2011.25 Ford can Leverage on the elements which contributed to Figo's success here in India and can develop its coming models on similar lines and hence generate the same hysteria. As said by Alan Mullaly, Group president and ceo ,"India is a really important market for us. We love being here. We have got great operations here. We can continue bringing more and more of our Ford products to the Indian customers. If you look at the overall market in the Asia Pacific, India and China will be the fastest growing market for us going forward. Adding to it John Hinrichs, President Ford, Asia pacific and Africa, said, "Ford motor company will launch 8 new vehicles in the middle of the decade". As for India, it has a tremendous operations force. It will be one of our hubs. We have got tremendous manufacturing capability here. All the units of the business are pretty welldesigned and integrated with our entire global production system. So, India will continue to take on more importance in Ford worldwide.
Exhibits: Exhibit1: Ford Figo
EXHIBIT 2 pricing (ex-shoroom Delhi prices) MODEL Price (INR) 1.2L Petrol LXi 3,49,900 1.2L Petrol EXi 3,81,900 1.2L Petrol ZXi 3,99,900 1.2L Petrol Titanium 4,42,900 1.4L Diesel LXi 4,47,900 1.4L Diesel EXi 4,72,900 1.4L Diesel ZXi 4,96,900 1.4L Diesel Titanium 5,29,900 Ford Figo Petrol LXI It is the base variant of Ford Figo which is equipped with 1.2L petrol engine and it carries basic features that any B segment car offers. Ford Figo Petrol EXI It offers some additional features that are Passenger side ORVM (Out Side Rear View Mirrors), Full Wheel Covers, Front Power Windows, Remote Trunk Open, Fabric Insert on Door Trims, Passenger Vanity Mirror on Sun Visor, Removable Parcel Tray, Music System, Central Locking, Keyless Entry and Engine Immobilizer. Ford Figo Petrol ZXI Additional functionalities which will be available with this variant are Body Colored ORVM and Door Handles, Chrome Finished Front Grille, Side Repeaters and Tailgate Opener, Height Adjustable Driver Seat, Automatic Adjustable ORVM, Cargo Area Lamp, Phone Interface through Bluetooth, Tachometer, Rear Wash/Wipe and Defogger.
Ford Figo Titanium Petrol It is the top end variant of Ford Figo which is loaded with few more features that are Six Speed Variable Intermittent Front Wipers, Anti Drip Wiping, ABS with EBD and Dual Front Airbags. Ford Figo Diesel LXI It is the base diesel variant of the car. It offers same features as like "Ford Figo Petrol LXI" only the difference is engine. It is loaded with 1.4L, Duratorq diesel engine to offer excellent mileage and engine performance. Ford Figo Diesel EXI It offers same features as like "Ford Figo Petrol EXI" only the difference is its 1.4l Duratorq diesel engine. Ford Figo Diesel ZXI It offers same features as like "Ford Figo Petrol ZXI" only the difference is its 1.4l Duratorq diesel engine. Ford Figo Titanium Diesel It offers same features as like "Ford Figo Petrol Titanium" only the difference is its 1.4l Duratorq diesel engine. EXHIBIT 3: Advertisements of FIGO ON INTERNET and in the print media
REFERENCES 1 - http://carslegend.blogspot.com/2010/03/2010-ford-figo-new.html 2- http://business.rediff.com/interview/2010/jun/29/interview-with-ford-india-president-andmanaging-director-michael-boneham.htm 3 3.html www.team-bhp.com/indian-car./75183-january-2010-indian-car-sales-figures-analysis- 4-http://www.autoholiks.com/2010/03/ford-figo-launch-images-and-detailed-officialspecifications/ 5-http://www.telegraphindia.com/1100310/jsp/business/story_12199156.jsp 6-http://dictionary.reverso.net/italian-english/figoMotors. 7-http://green.autoblog.com/2010/07/23/high-demand-for-efficient-figo-hatchback-doublesfords-sales-in/ 8-http://www.ford.com/about-ford/heritage 9-http://en.wikipedia.org/wiki/Ford_Motor_Company 10-http://www.tatamotors.com/our_world/press_releases.php?ID=356&action=Pull 11-http://en.wikipedia.org/wiki/Ford_Motor_Company 12- http://wapedia.mobi/en/Ford_Motor_Company 13http://www.mahindra.com/newsletters/m&m%20newsletter%20issue%203%202005/diamond/ 60yrs.htm 14 - http://www.autoblogs.in/2009_09_01_archive.html 15 - http://theage.drive.com.au/motor-news/australias-small-car-export-20090923-g2i9.html 16 - http://www.wisecarshopper.com/2010/06/09/ford-figo-2010/ 17 -http://www.cartradeindia.com/reviews/Ford-Figo-112824.html 18-http://www.moneycontrol.com/news/features/ford's-boneham-talks-about-launchingsmall-carindia_477026.html 19 - http://www.drivingford.in/ford-in-news/ford-figo-receives-25000plus-sales-bookings-in100-days/
20 - http://business.rediff.com/slide-show/2010/mar/25/slide-show-1-auto-ford-figo-a-car-forthe-young-and-ambitious.htm 21 - http://business.outlookindia.com/printarticle.aspx?264770 22 - http://www.businessandeconomy.org/05082010/storyd.asp?sid=5429&pageno=1 23 - www.zigwheels.com 24 - http://economictimes.indiatimes.com/news/news-by-industry/auto/automobiles/FordIndia-doubles-Chennai-plant-capacity/articleshow/4968534.cms 25 - http://www.drivingford.in/ford-figo/2-big-announcements-from-ford-to-launch-8-newvehicles-by-the-middle-of-the-decade-ford-figo-to-be-exported-to-50-new-markets/


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Data Entry Professional & Customer Service Rep
Jamaica - Last active: 1 month ago
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Electronics and Communications Engineering Student, Math Tutor
Philippines - Last active: 26 days ago - Tests: 6
Hello! Be one of my satisfied clients! I am an Electronics and Communications engineering student of Mindanao State University- Iligan Institute of Technology (one of the most prestigious schools of engineering and other fields here in the Philippines). I am a tutor of the Guidance and Counseling Center of my school and I am also one of Department of Science and Technology Scholar of my country. I do school and office works efficiently and effectively. Over the past two years, I have developed skills in teaching mathematics and physics, web research and data entry. I specialize in researching contact details of people, businesses, and companies. I also train and develop best students in the field of science. I also do general web research projects and data entry such as making contact lists on a spreadsheet from online directories. I use research techniques and online tools to ensure the quality of work. "People forget how fast you did a job — but they remember how well you did it." –Howard Newton As you are looking for an enthusiastic worker who can adapt and contribute to your different projects, I hope you will consider my skills and credentials you may visit to my website (www.robertnericua.tk) . In order to be effective, I am willing to be trained. Follows instructions easily. Enough said. Let's get to work!
Philippines - Last active: 1 month ago - Tests: 2
I am a professional teacher, handling Mathematics classes. I would like to extend my other skills and abilities in different field of work. I can also handle work which deals with organizing, responding and writing. I am diligent and flexible enough to do a certain task.
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India - Last active: less than one minute ago - Tests: 1 - Portfolio: 6
Feedback comments of clients. # "Good work as always. Was able to correctly make any changes I required during the project." # "Great job. Was able to clarify and resolve any issues." # "Perfect results with very little instructions." I have 5 Years Experience in Data entry. I am an experienced, Efficient, Dependable and Hard working freelancer for all kinds of data entry works. I will provide 100% accuracy on my works. I have experience in Coral draw & Photoshop. I have long-time experience in using Microsoft Word, MS Excel, Power Point, and Web Research. And also have good experience Link Building Commenting, Data Collection, Facebook. I currently use Microsoft Excel, Word, and Access daily. I also proficient with photo editing through Coral draw & Photoshop. And I will complete all work within your time table. And I able to quickly, confidently and correctly complete data entry & word processing jobs for the clients. My aim is provide excellent service to my clients.
Calculus Teacher
United States - Last active: 3 days ago - Tests: 2
I have 15 years experience teaching advanced placement calculus. This would include calculus I & calculus II at most universities. I also have 20 years experience as an adjunct professor at the university level. I can also teach introductory statistics including descriptive and inferential statistics.

subset: commoncrawl


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More fined for smoking at non-smoking zonesJOHOR BARU: The number of smokers fined for lighting up at designated non-smoking zones in the city area has increased despite signages put up at such places. State Health and Environment committee chairman Datuk Ayub Rahmat said 2,978 smokers ... TheStar.com.my, 2 days ago
6 images for ayub stadium
In remembrance of Atiqul Alam: A great journalist of our time
I came into contact with Atiqul Alam while I was serving News section of Radio Pakistan as Assistant News Editor in Chittagong following being selected by Central Public Service Commission of Pakistan in 1963. I joined in December of 1963. Atiqul ...Financial Express Bangladesh, 4 days ago
Third time's the charm for Iskandar as he nails his first local title
KUALA LUMPUR: Shuttler Iskandar Zulkarnain Zainuddin was all smiles when he defeated youngster Soong Joo Ven for the Perak Open title in Ipoh. It took the 24-year-old three attempts on the local circuit before he could nail it on Thursday after ...TheStar.com.my, 5 days ago An easy day for Joo Ven in Perak Open TheStar.com.my, 1 week ago
Kenya: St John's Shine
Machakos — St. John's Kaloleni football team kicked off their Airtel Raising Stars 2015 title hunt on a spirited note, clubbing Wiyeta 3-1 in their first preliminary match at Machakos Boys yesterday. Adams Mwanahalima, who last year underwent ARS ...AllAfrica.com, 6 days ago St John's shine The Star (Kenya), 6 days ago
Eidul Fitr prayer timings
An illuminated view of Faisal Masjid decorated with colorful lights during Holy fasting month of Ramadan. PHOTO: APP Fiqh-e-Hanafia Islamabad 5:30am Jamia Masjid Muhammadi, Burma Town 5:45am Jamia Masjid Imam Ibn-e-Tayyamia, ...The Express Tribune, 2 weeks ago
A candid chat with Sanjay Manjrekar on his 50th birthday
Sanjay Manjrekar completes a half-century in life today. It has been a journey of more ups than downs, although his career didn't quite move along expected lines despite scoring a hundred in just his third Test against the best team in the world ...Mid Day, 3 weeks ago A freewheeling chat with Sanjay Manjrekar on his 50th birthday Mid Day, 3 weeks ago
Pakistan hockey: Rise and demise
Can one imagine a modern-day Football World Cup in which there is no Brazil, Argentina or Germany? It's almost unthinkable, in fact absurd. The same way it once was to imagine a Hockey World Cup without Pakistan. And yet, last year this is exactly ...DAWN Group, 3 weeks ago
Sabah Rhinos to go the extra mile
By FRANCIS XAVIER firstname.lastname@example.com KOTA KINABALU: Sabah Rhinos head coach Mike Mulvey is expected to make a tactical change to his depleted squad in a must-win encounter against Selangor UiTM FC at the Likas Stadium tonight. And they ...New Sabah Times, 4 weeks ago
Citycell-Channel i Music Award held
Citycell-Channel i Music Award, the largest award giving ceremony in the country's music scene, was held in Mirpur Indoor Stadium in the capital on June 15 evening. Hundreds of artistes attended the ceremony, which has been taking place for the last ...Bangladesh Daily Star, 1 month ago
Nandawula returns to take on Kawempe with a reminder of what could have been
KAMPALA. Shadia Nandawula was schooled at Kawempe Muslim SS and was part of the institution's most revered girls football team of 2009-2011, a time they cemented their place at helm of the game. Nandawula, 23, won three consecutive titles at the ...Uganda Daily Monitor, 1 month ago
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Religious Dissent in the Roman Empire
Violence in Judaea at the Time of Nero
Routledge Monographs in Classical StudiesReligious Dissent in the Roman Empire is the third installment in Vasily Rudich's trilogy on the psychology of discontent in the Roman Empire at the time of Nero. Unlike his earlier books, it deals not with political dissidence, but with religious dissent, especially in its violent form. Against the broad background of Second Temple Judaism and Judaea's history under Rome's rule, Rudich discusses
Late Classical and Early Hellenistic Corinth
Routledge Monographs in Classical StudiesLate Classical and Early Hellenistic Corinth, 338-196 B.C. challenges the perception that the Macedonians' advent and continued presence in Corinth amounted to a loss of significance and autonomy. Immediately after Chaironeia, Philip II and his son Alexander III established close relations with Corinth and certain leading citizens on the basis of goodwill (eunoia). Mutual benefits and respect
The Eunuch in Byzantine History and Society
Routledge Monographs in Classical StudiesThe existence of eunuchs was one of the defining features of the Byzantine Empire. Covering the whole span of the history of the empire, from the fourth to the fifteenth centuries AD, Shaun Tougher presents a comprehensive survey of the history and roles of eunuchs, making use of extensive comparative material, such as from China, Persia and the Ottoman Empire, as well as about castrato singers of
Theology and Existentialism in Aeschylus
Routledge Monographs in Classical StudiesTheology and Existentialism in Aeschylus revivifies the complex question of fate and freedom in the tragedies of the famous Greek playwright. Starting with Sartre's insights about radical existential freedom, this book shows that Aeschylus is concerned with the ethical ramifications of surrendering our lives to fatalism (gods, curses, inherited guilt) and thoroughly interrogates the plays for
Routledge Monographs in Classical StudiesThe comedies of the Athenian dramatist Menander (c. 342-291 BC) and his contemporaries were the ultimate source of a Western tradition of light drama that has continued to the present day. Yet for over a millennium, Menander's own plays were thought to have been completely lost. Thanks to a long and continuing series of papyrus discoveries, Menander has now been able to take his place among the
Consumerism in the Ancient World
Imports and Identity Construction
Routledge Monographs in Classical StudiesGreek pottery was exported around the ancient world in vast quantities over a period of several centuries. This book focuses on the Greek pottery consumed by people in the western Mediterranean and trans-Alpine Europe from 800-300 BCE, attempting to understand the distribution of vases, and particularly the reasons why people who were not Greek decided to acquire them. This new approach includes
Iconography and Social History
Routledge Monographs in Classical StudiesChildhood in Ancient Athens offers an in-depth study of children during the heyday of the Athenian city state, thereby illuminating a significant social group largely ignored by most ancient and modern authors alike. It concentrates not only on the child's own experience, but also examines the perceptions of children and childhood by Athenian society: these perceptions variously exhibit both
Life and Letters in the Ancient Greek World
Routledge Monographs in Classical StudiesFrom the first 'deadly signs' scratched on a wooden tablet instructing the recipient to kill the one who delivered it, to the letters of St Paul to the early Church, this book examines the range of letter writing in the Ancient Greek world. Containing extensive translated examples from both life and fiction, it provides a glimpse into the lives of both ordinary people and political life. This
Roman Imperial Identities in the Early Christian Era
Routledge Monographs in Classical StudiesThrough the close study of texts, Roman Imperial Identities in the Early Christian Era examines the overlapping emphases and themes of two cosmopolitan and multiethnic cultural identities emerging in the early centuries CE – a trans-empire alliance of the Elite and the "Christians." Exploring the cultural representations of these social identities, Judith Perkins shows that they converge around an
Passions and Moral Progress in Greco-Roman Thought
Routledge Monographs in Classical StudiesThis book contains a collection of 13 essays from leading scholars on the relationship between passionate emotions and moral advancement in Greek and Roman thought. Recognising that emotions played a key role in whether individuals lived happily, ancient philosophers extensively discussed the nature of "the passions", showing how those who managed their emotions properly would lead better, more
Athens Transformed, 404–262 BC
From Popular Sovereignty to the Dominion of Wealth
Routledge Monographs in Classical StudiesDuring the heady, democratic days of the fifth and fourth centuries, the poorer members of Athenian society, the lower two classes of zeugitai and thetes, enjoyed an unprecedented dominance in both domestic and foreign politics. At home, the participatory nature of the constitution required their presence not only in the lawcourts and assembly, but also in most of the minor magistracies; abroad,
The Origins of Ancient Greek Science
Routledge Monographs in Classical StudiesThis book examines the origins of ancient Greek Science using the vehicles of blood, blood vessels, and the heart. Careful attention to biomedical writers in the ancient world as well as to philosophical and literary work of writers prior to the Hippocratic authors produce an interesting story of how science progressed and the critical context in which important methodological questions were


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optical transducer
Part of the VISOR worn by Chief Engineer Geordi La Forge. The transducers receives electromagnetic radiation from the surrounding environment and converts it into a bioelectric signal that the brain can comprehend. When La Forge was injured by a phaser shot in 2369, Dr. Beverly Crusher altered the transducer to reduce his pain by blocking the brain's own pain receptors.
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Welcome to ringtones service Audiko.net, where it's possible to find epic ringtones for your smartphone. Today we have a ringtone of "cult of snap" by Snap as well as 752 other ringtones by Snap. "cult of snap" is a top-rated song from the "Star Gallery" album that was recorded and mixed by Snap at their studios together with other 11 tracks. You can listen to all 12 Snap – "cult of snap" ringtone variations available here and download it for free to your computer. You can also search for other 4 albums produced by Snap for all time. "cult of snap" is referred to Old Skool, and you may listen to a huge amount of Old Skool videos absolutely for free. And finally, we have collected lyrics for this track and you can view it here as well. So feel free to browse, listen, download ringtones at Audiko.net. Make your phone sound cool!
Snap Cult Of Snap Ringtone
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It's fun to gussy up for galas, but how do you stay simple and stylish for work, brunch, or relaxing evenings with friends? Our community shows that casual skirts are crucial wardrobe components for everyday occasions. Pair them with tees, …Read more »
Tag Archives | style gallery
Our Community Keeps It Casual in Sweet Skirts
There's a Lot to Love About Our Lakeside Libations Dress
Have somewhere special to be this summer? Looking for a fetching frock that'll make a statement in any season? Meet our Lakeside Libations Dress! Running in a full range of sizes, embellished with lovely lace, and available in sweet …Read more »
Vintage Summer Style from Our Community
Take your warm-weather wardrobe cues from these retro-minded Style Gallery gals! Read more »
Share Your #ModSummer Staycation
By Anna on 06/09/2015 in Crush-worthy, Lifestyle, ModStylists
This #ModSummer, we want to see you flaunt your warm-weather wardrobe at your favorite local hot spots. Read more »
Our Community Looks 'Haute' & Keeps Cool in Marvelous Maxis
By ModCloth on 05/19/2015 in Fashion, Street Style, Styling & How-tos
If it's summer outfit inspo you long for, these Style Gallery ensembles are sure to please. Read more »
Our Community Shows Us Their Print-Mixing Prowess
By ModCloth on 03/30/2015 in Fashion, Styling & How-tos
We are suckers for a great print pairing, and our community feels the same! Read more »
Our Community Lets the Sunshine In
This is (almost) the dawn of the age of Aquarius, but not quite yet. Until spring officially arrives, our community is sharing their favorite hue for brightening up dark winter days. What is it? One hint: lime is to green … Read more »
Get to Know Our Style Gallery
Here at ModCloth, we like to put our community front and center. We believe everyone should have the chance to express their true selves through fashion. For several years now, a beautiful, diverse variety of community members have done just …Read more »
UPDATE: Announcing the Winners of Our Best-Dressed BFFs Contest
By Natalie on 02/09/2015 in News & Contests
Share your cherished friendships and inspiring outfits on the Style Gallery for a chance to win a $100 gift certificate! Read more »
Our Community Flaunts Their Cold-Weather Style
By ModCloth on 10/13/2014 in Fashion, Street Style
Let our community inspire you with their best looks. Read more »


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Buoyant mount for supporting cinematographic apparatus
Image Number 3 for
United States Patent #7484468
A collapsible, height-adjustable support device with inflatable floats for mounting articles, particularly cinematographic apparatus, upon and below the water. It is characterized by a central tubular frame (1) with a plurality of detachable support arms (2) perpendicular to the central frame. The support arms also attach to the elongate inflatable buoys (10). Cinematographic apparatus is mounted upon a fixing plate (5) positioned centrally on the central frame member (1). The adjustable height of the mount above and below the surface of the water is facilitated by the angular relationship of the central longitudinally splined frame member (1) and each support arms splined hub. Footpads (4) with releasable locking pins and receiving plates (22) provide attachment of support arms to the floats (10). Anchorage and tether points (14) permit towing and static deployment.
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Saturday, 1 August 2015
Last updated 22 hours ago
Sep 1 2011 | 11:11am ET
When Marathon Asset Management helped acquire the assets of the Pacific Lumber Co. during its bankruptcy two years ago, it wound up with a unique asset—a town of its own.
The hedge fund bought Scotia, Calif., a company town founded and owned by PALCo., which went bankrupt in 2007. That had Marathon doing some unusual things for a hedge fund, among them maintaining public spaces and handling repairs for all houses in the town of 800 about 250 miles north of San Francisco.
But that's all coming to an end. Scotia's residents (by a vote of 136-9) have decided to cut ties with Marathon. Instead of being governed by Marathon subsidiary Town of Scotia Co., the new community services district will be helmed by five board members elected Tuesday.
California's last company town will cease to be such in December. Marathon will sell the town's homes—all rented—to their tenants over the next several years, as well as upgrading its sewer system.
Jul 7 2015 | 4:03pm ET
In addition to easing capital formation for small companies, Regulation A+ has enormous...
Jul 23 2015 | 5:05pm ET
Italian sportscar maker Ferrari has taken a step closer to a stock market listing...
Jul 28 2015 | 3:01pm ET
The lifting of restrictions on foreign ownership limits in Vietnam later this year...
May 27 2015 | 2:15pm ET
Support Hedge Funds Care, also known as Help For Children (HFC), by participating in this year's raffle. All proceeds go to support HFC's mission of preventing and treating child abuse. Read more…


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Written on: 22/09/2012
Product arrived very quickly also very well packed. Paint was very efficient. Would recommend to everyone. Thank you
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The death of the welfare state
Saturday 06 May 1995
A few days earlier, the Government proposed a new tax on payouts made under mortgage protection policies, which cover the home loan of borrowers if they become ill or unemployed. The Chancellor's rapid U-turn on the issue came as a relief but should not lull anyone into a false sense of security. The trend of the past 15 or 20 years has been to cut down on state welfare expenditure.
Over a wide area, from pensions to unemployment and health care, benefits have been cut or abolished, leaving people to make their own provision at their own cost. The heyday of the welfare state has long gone.
This is not, moreover, a policy that future governments of a different colour are likely to reverse. Rather than being a matter of ideology, the state cutbacks have been driven largely by demographics and money. Take pensions, for example. With an ageing population, the UK would have been relying on a shrinking workforce to pay for the pensions of an ever increasing number of state pensioners. Over the next 30 or 40 years this would have become an unreasonable burden on the working population so the State Earnings Related Pension Scheme - which gave a salary-related pension - has had to be radically trimmed.
Britain is not alone in these problems. Almost every Western country is looking at ways of trimming its welfare bill for similar reasons.
The question for individuals is how to replace disappearing state provision with something else, and how to afford it. The problem is that privately financed provision is extremely expensive. Bacon & Woodrow, the actuaries and consultants, have calculated for us that the annual cost of making the most basic provision (before paying for schools fees plans and other "frills") is nearly £9,000.
Pension provision is unquestionably the most important item to consider. Over the past 15 years, the value of the basic state pension has withered from 20 to 16 per cent in relation to real earnings.
It is worth about £50 a week, or £94.10 for a married couple - inadequate for most people used to a substantially higher income. Meanwhile, the Government's campaign to persuade people to opt out of Serps has been staggeringly successful. Only 20 per cent of the population is still in the scheme.
Clearly, the earlier you start contributing to a personal pension scheme the better your benefits are likely to be in the end. The pensions industry has been startled at how many people in their twenties have started pension schemes over the past few years, but the evidence is that most of us do not put enough into schemes to achieve a realistic pension payout.
According to Paul Johnson, director of personal sector research at the Institute of Fiscal Studies, 60 per cent of personal pension holders contribute nothing to their schemes beyond the government rebate of 5 per cent of earnings.
This is a big mistake. Take the case of a married man aged 35 earning £40,000 a year starting a personal pension with the aim of providing himself with a pension at the age of 65 worth half his final salary.
Bacon & Woodrow calculates that he would need to build up a fund of £1.6m. Taking the standard investment assumptions used by the Institute of Actuaries (inflation of 4.5 per cent, an investment return of 9 per cent, and a 6 per cent annual increase in salary) he would have to pay £6,390 a year into his fund.
This is a lot of money but, as Andrew Warwick-Thompson, head of B&W's personal pensions department, points out, people should regard their pension as just as important as their mortgage repayments.
Meanwhile, life assurance - the lump sum paid to a policyholder's dependents at his death - lost most of its tax advantages a decade ago. There are no tax breaks on the insurance contributions, although the lump sum paid out in the event of death is still tax-free. For our 35-year-old to take out a policy paying out four times his salary would cost £491.90.
Permanent health insurance to cover loss of earnings if you fall ill is equally expensive and more important than ever. Since 13 April, State Sickness Benefit and Invalidity Benefit have been replaced by a new and less valuable Incapacity Benefit. Not only is benefit cut from £120 to £52.50 a week but benefits will be taxed after 28 weeks.
A PHI policy that would pay out half our 35-year-old's salary and is index-linked would require an initial annual premium of £495.50. It would then rise with inflation and any increase in the policyholder's salary.
As for unemployment benefit, the state pays a woefully inadequate £46.45 per week. Yet the insurance industry has still not got to grips with the need for individuals to supplement this unemployment income. The only policies available are specifically linked to mortgages, to protect loan interest payments.
Nor is there an easy way to provide against ill-health in old age. Long- term health care insurance would seem to be essential now that local authorities are severely cutting back the amount they will pay for nursing home care and other services to old people.
There are, however, virtually no insurance policies covering nursing home fees, which can range from £10,000 to £20,000 a year. Only Norwich Union apear to offer a sheme covering expenses for hospices, hospitals and selected other care. This costs £1,550 per year.
It is clear that the private sector is still some way from offering the kind of insurance protection that individuals increasingly need as welfare benefits steadily wither away. Insurers may eventually start to offer inclusive policies that cover several areas at once for a single annual premium, but there is no sign of this happening yet.
While the lack of protection is a problem, the expense of individuals making all their own provision is at least as big a problem. The total cost of these main areas comes to £8,927.40, nearly a quarter of our 35- year-old's salary before tax.
From what is left he will still have to pay his mortgage, educate his children and pay for holidays.
Inevitably, he will look for savings such as a smaller pension or no PHI insurance. If he falls seriously ill, however, his family is likely to face severe financial problems.
Independent Partners; Do you need financial advice on your investments, pension or insurance? Book a free consultation with an independent Financial Adviser at VouchedFor.co.uk
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Cowes, Isle of Wight
Bingley, Bradford
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Bungay, Suffolk
North Kensington, W10
Donaghadee, Bangor
Hampton, TW12
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Lewisham, SE13
Chelsea, SW10
Hooe, East Sussex
Baldrine, Isle Of Man
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Skipton, North Yorkshire
Sandbach, Cheshire
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Gislingham, Suffolk
Orford, Suffolk
Stapleford, Cambridge
Shaftesbury, Dorset, SP7
Tilshead, Wiltshire
Bewdley, Worcestershire
Heathfield, East Sussex
Wooler, Northumberland
Wavertree, Liverpool
Padstow, Cornwall
Shanklin, Isle of Wight
Longtown, Carlisle
Frinton-On-Sea, Essex
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Newport, Isle Of Wight
Harrogate, North Yorkshire
Sway, Lymington
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text:
|By Business Wire
Article Rating:
|November 5, 2012 09:07 AM EST
Online Resources Corporation (NASDAQ: ORCC), a leading provider of financial technology services, today announced that Illinois-based First American Bank ($2.9 billion in assets) selected ORCC's Architect digital banking solution and bill payment services to augment its robust set of full-service banking services.
With 49 Chicago-area branches, First American Bank will use ORCC's Architect solution to provide its customers a highly intuitive, personalized user experience that adapts to user behavior and preferences. The bank will also be able to offer its customers new advanced functionality for services such as online account opening, personal financial management, one-to-one marketing, and social media integration. With Architect's extensible platform, First American Bank will have full control of the platform to easily add or develop new features as trends or needs emerge and user adoption increases.
"At First American Bank, we pride ourselves on offering outstanding service to achieve long-term relationships with customers," said Eduardo Monteagudo, executive vice president of First American Bank. "By selecting ORCC, we aim to maintain that commitment and provide our customers with a truly superior digital banking experience to meet their current and future financial needs."
ORCC's Architect solution integrates seamlessly with its banking bill payment solution, where it has been serving community banks and credit unions as an industry leader for more than 15 years. ORCC has connections to core processors and ATM networks that provide real-time access to more than 90 percent of checking accounts in the United States and to the 9,000+ domestic biller endpoints within ORCC's Biller Endpoint Network.
"First American Bank has a strong reputation for serving the Chicago banking community with personalized care and user-friendly solutions," said Eric Labiak, chief sales officer for ORCC. "With ORCC's Architect solution and bill payment services, we are proud to help First American Bank continue its long tradition of offering the most innovative, leading-edge banking solutions to its customers."
ORCC's digital banking and bill payment services enable higher electronic rates, faster payment speed, and a consistent payment process for its clients and their end users.
About Online Resources Corporation
Online Resources Corporation (NASDAQ: ORCC) powers financial interactions between millions of consumers and the company's financial institution and biller clients. Backed by its proprietary payments gateway that links banks directly with billers, the company provides web and phone-based financial services, electronic payments, and marketing services to drive consumer adoption. Founded in 1989, ORCC is the largest financial technology provider dedicated to the online channel. For more information, visit www.orcc.com.
This news release contains forward-looking statements based on Online Resources Corporation management's current expectations and beliefs and a number of assumptions concerning future events made with information that is currently available. The words "will," "would," "may," "should," "estimate," "project," "forecast," "intend," "expect," "believe," "target," "designed," "plan," and similar expressions are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance on such forward-looking statements, which are not a guarantee of any results or performance and are subject to a number of known and unknown risks, uncertainties and other factors which could cause actual performance or results to differ materially and adversely from any results or performance expressed or implied by such forward-looking statements. Certain factors that might cause such a difference include, but are not limited to: a history of losses and anticipation of future losses; potential fluctuations in operating results; dependence on the marketing efforts of third parties; potential loss of one or more material clients; potential need for additional capital; potential inability to prevent systems failures and security breaches; potential inability to expand certain services and products in the event of a substantial increase in demand for such services and products; competitive pressures; ability or inability to attract and retain skilled personnel; reliance on patents and other intellectual property; potential change in the rate of user adoption of certain products and services; exposure to consolidation in the financial services industry; and government regulatory developments. For a more detailed description of the factors that could cause such differences, readers are advised to review Online Resources Corporation's latest filings with the Securities and Exchange Commission, including (but not limited to) the information provided under the heading "Risk Factors" in our latest Annual Report on Form 10-K (which filings are available, among other places, from the SEC's EDGAR database at www.sec.gov and via the Company's website at www.ORCC.com). Online Resources assumes no obligation to, and expressly disclaims any obligation to, update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.
Online Resources, ORCC and the Online Resources logo are trademarks of Online Resources Corp. Other company and product names and logos used in this release are the trademarks of their respective owners.
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