Public Sector Cloud – The Big Debate

As Cloud Computing gains more attention from government customers, it presents new challenges and demands a different set of skills to become successful. Having a clear understanding of the business’ challenges and the benefits that may be obtained from the cloud becomes even more important.

In relation to different government organizations about Cloud Computing, three distinct challenges keep coming up.

#1: Reducing Costs. More than ever, agencies have the pressure to reduce costs at all levels.  Dealing with shrinking budgets and demands for newer services has forced agencies to carefully look for areas that may be optimized or simplified.  Cloud services have become an attractive way to address those demands and provide new services to its citizens. The pressure to reduce costs has also forced agencies with common needs to work together and find ways to collaborate and simplify operations.  This is different from the past, where agencies could not justify or were not interested in combining computing resources with other agencies.

#2: Agility and Scalability. At the same time they are forced to reduce costs, agencies are also forced to achieve new levels of agility and innovation.  The constant demand for new services and deployment of new technologies has forced agencies to consider services in the cloud in order to simplify and reduce their infrastructure footprint.  While government may be solely focused on reducing costs, cloud applications can not only reduce the costs, but also give agencies a new level of agility and scalability. The cloud allows agencies to pool resources to serve multiple customers using a multi-tenant model.  These shared resources give agencies a sense of independence and elasticity, since resources may be dynamically assigned according to demand.

#3: Trust. IT leaders have always been exposed to complex projects, but new demands are challenging IT organization to their limit.  While IT is constantly seeing as a cost center, new cloud technologies and service models give IT the opportunity to provide new functionality and to become a value center. IT can make use of cloud delivery models as a way to increase inter-government collaboration and to reduce costs. The cloud allows government agencies to scale services up (or down) as required at the same time that is able to meet business needs.

The list of challenges faced by government agencies is certainly much longer. Other challenges include security, transparency, privacy, and regulatory compliance. The new delivery model offered by the Cloud gives government agencies improved flexibility and a better experience to end-users.

My final thought on this?  The journey to the cloud will be different for each government organization, but even with these challenges, Cloud Computing will permanently change the way government agencies do business and interact with their citizens. Please give a shout back to me in the comments section if you work for the government sector and have more thoughts to add.

Thank You for Reading! And please feel free to leave a Comment!

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

We believe that Cloud Computing is the way forward, and that it holds many of the answers for common business problems. We recognise just how beneficial Cloud Computing can be to businesses, so we have decided to hold a limited time offer on our consultancy services.

Carkean Solutions offers an experienced analysis to tell you whether your business will benefit from Cloud technology, and this analysis will only take one day. Normally, this would take between 3 - 4 days, but we can promise you the same high standard consultancy in just one day, saving you time and money. This great offer will expire on the 31st of July, so take advantage today and contact us to arrange a professional consultancy.


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All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

Cloud Computing

Cloud computing is a new terminology that was added to IT jargon in early 2007. Still, people overuse this idiom to refer to things that may not relate to its actual definition and scope. Is it all about web hosting? Is it an old thing in new clothes? Why should organizations consider it?

What do You Think??

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

Journey in to the Cloud

Cloud computing promises to revolutionize enterprise IT and drive unprecedented levels of efficiency and flexibility. And there’s nothing nebulous about the potential business benefits. Economic conditions have indelibly altered the bottom line at many enterprises. In the current climate, IT infrastructure characteristics can make or break a business, heightening requirements to minimize cost and risk while scaling up or down as demand rises and falls.

Cloud computing has been much discussed can be defines in terms of three key characteristics:

• ·         Flexible costs: Cloud computing incurs variable operational costs on a pay-per-use basis, without up-front infrastructure capital costs.
• ·         Elastic scalability: Infrastructure capacity is highly elastic (either up or down), differentiating clouds from traditional hosting services providers.
• ·         Geographic and hardware independence: The underlying hardware can be located virtually anywhere, with the applications and services abstracted from that hardware.

Cloud computing drives efficiency through virtualization and economies of scale, Just as virtualization can help maximize utilization of IT resources, control operational costs, and automate management in enterprise data centers, it also enables hyper-scale cloud services providers to achieve massive levels of scalability—helping to reduce labor costs and optimize their infrastructures in ways that enable them to offer pay-as-you-go services in a cost-effective way.

Ultimately, however, the cloud is not about technology—it is about making IT efficient and responsive to the business. Fundamentally, cloud computing is a change to the traditional IT infrastructure model in that it enables various categories of IT to be delivered entirely as a service, without the traditional levels of hardware, software, and people investment.

Thank you for reading! And please feel free to leave comment!

P.S Don’t forget to take advantage of our one day consultant offer,  The Offer is Valid until 31/07/11 and you can schedule our services up to 30/09/11. Please don’t hesitate to visit our website http://www.carkeansolutions.co.uk/offers, contact us on +44(0)20-3239-2338 or e-mail us on info@carkeansolutions.co.uk.

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

An Offer You Can’t Refuse!

Not sure about benefits of the cloud? Worried about missing out something by not adopting cloud? Looking for a safe methodology to adopt cloud? The one which you can stop anytime you want and yet benefit from the work done so far?

Well look no Further; we have an amazing One Day offer for you, using our unique consultancy experience to study your enterprise from cloud perspective, with a customised comprehensive report on new practices and how best you can realise them. 

This report will normally take 3-5 days to do, but we are using special methodology to capture the needs quickly to be able to provide you efficient service to see how much you can save in cloud. We will Offer you non-pushy objective advice based on a study of your enterprise on how best to utilise the cloud to beat your competition.

Our Consultants have extremely good understanding of cloud because of his experience in Technology Strategy Board, he is the best qualified person to analyse cloud services and probably the most experienced. His unique approach will shrink study time from 3-4 days to 1-2 days saving you 33%-80% of consultancy costs.

So what are you waiting for? The Offer is Valid until 31/07/11 and you can schedule our services up to 30/09/11

To take advantage of this great offer,  Please don’t hesiatate to visitr our website http://www.carkeansolutions.co.uk/offers, contact us on +44(0)20-3239-2338 or e-mail us on info@carkeansolutions.co.uk.

Thank you for reading, and please feel welcome to leave a comment!

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

Building security into the cloud

While increasing digital communication capabilities, is driving corporations to take advantage of virtualisation and better bandwidth capabilities to move their data and applications into private and/or public clouds. They are transitioning desktop users to thin client computing, where users can have global access and share the data they need to conduct their business via commodity desktop and mobile devices across the Internet.

At the same time, malware has taken off to an unprecedented scale, as organised crime has been able to leverage the Internet far quicker than the traditional security vendors can deliver the appropriate counter-measures. It is a well established fact that antivirus solutions are, for example, unable to cope with the evolving malware threat coming at us.

This movement to the cloud is an entrenched trend, and one that has profound implications for security. There has been much publicity around sophisticated attacks, leading business decision makers to believe that not much can be done to secure them.

In fact, the majority of these high profile attacks can be traced to the exploitation of vulnerabilities that could have been easily eliminated or mitigated. Hacking into computer systems is certainly not new, and is typically the result of social engineering or identifying holes in systems and their protection. What has changed is the complexity and scale of the computing environment that needs protection.

As an example, a much publicised issue last year was the theft of credit card data. Today we see the underground market value of stolen credit card information dipping drastically, and cybercrime is moving to more lucrative grounds such as bank account information and healthcare records. This is because the Payment Card Industry (PCI) requirements, along with better fraud detection systems, have made cybercriminals less interested in going after credit card data. As we all know, lower demand generally produces lower prices.

Still, the easiest way for cybercriminals to steal valuable data is to enter through identified or unknown vulnerabilities, and what works in their favour is the huge proliferation of devices and the many ways they interact and exchange information. This makes them exponentially more vulnerable, and harder to protect. As opposed to enterprise computing, which has become highly distributed, heterogeneous and complex to manage, cloud computing technology enables the centralisation of data and the building of a fractal infrastructure. It offers expanded ability to more effectively protect data at a basic level, and streamline the patching and mitigation processes.

This allows a drastic reduction in the cost of securing your infrastructure, because resources can be distributed across thousands, and even millions, of users, and further reduced via automation. Corporations are now beginning to realise this, and as they move to private and public clouds, they are looking for security solutions that are more effective to deploy and to maintain in this atmosphere than the ones they are used to. They also are looking at solutions that can easily interoperate, as one vendor is unlikely to have a solution that covers all their needs.

Naturally, such a transition will not happen overnight. To stay relevant, security vendors have to retool their current offerings to adapt them to this new environment, and needless to say, this is not an easy task, and new security companies will emerge to rise to the opportunity.

The cloud offers us an opportunity to change enterprise security for the better.

Thank you for reading! And please feel welcome to leave a comment!

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

Is there an 'Unreasonable Fear' of Cloud Technology?

Following service interruptions last week in Amazon's cloud computing web services, as well as the downing of Sony's PlayStation Network online services, Is There an "unreasonable fear" of the cloud?

Cloud computing often means that information and services are stored on shared remote computers and accessed via the Internet, the "cloud" theoretically reducing a company or individual's storage requirements and costs. Businesses and services that use the cloud range from Netflix to Hotmail.

The term cloud, however, can be used in varying ways, and in the broad sense, it could include Sony's PlayStation Network online services, which was down for a full month. It's been a wake-up call. A lot of people assumed the use of the cloud was kind of a magic bullet, the lesson is that you have to treat your cloud like any aspect of your IT infrastructure and you have to architect appropriately for it. 

The PlayStation Network looks like it is a hack of some sort. Honestly, I'm shocked, The Sony situation sounds like they got access to administrator accounts, so the full damage is not yet known. It is possible, in theory, that they got access to credit card information and that they got access to content.

The Sony online services were suspended April 20 due to "an external intrusion on our system, Sony service resumed on Sunday. I think in order for Sony to resolve this matter, it will involve re-building their systems to further strengthen their network infrastructure. Though this task is time-consuming, it is worth the time necessary to provide the system with additional security."

Meanwhile, Amazon offers public cloud services which are maintained at multiple data centers in various cities and countries that are used by a wide variety of businesses and customers. Service interruptions last month that originated at its Northern Virginia data center brought down or disrupted websites for clients. The incident brought into question a need for redundancies and backup. In some of these cases, the sites that went out did not avail themselves to all the backup capabilities that Amazon offered.

I think the biggest lesson I'm seeing in this is that even if you use clouds as part of your strategy in IT and there is no reason not to do that even if you have your own local system, it can be insecure. If you are going to use external providers, you still have to architect for these situations. If that system is going to go down or be compromised, you need to have a backup plan. Either you need to pay for what these services such as Amazon offer for backup and even then I'm not sure it is sufficient or you need to be prepared to operate in multiple clouds using multiple vendors. Or, you need to have a combination of private cloud and public cloud.

Another lesson in contracting with these companies, it may be appropriate to have liability clauses so that if something does go wrong, you have recourse, you have to have backup that is the point. All of these things hacking, technical problems could have happened if you don't use the cloud. So I wouldn’t recommend saying ‘don’t use the cloud.’ The cloud is an amazing resource. Users just have to be realistic about these types of failures. With the way the technology is always improving, there are more solutions for example you can now handle your data in the cloud without storing your data in the cloud

To learn more about the cloud and the best strategy to use for your business, Read MAHESHA PANDIT blog here http://letitscale.blogspot.com/

What Do You Think? Can you trust the Cloud?........

Thank you for reading! And please feel welcome to leave a comment!

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

Metro Bank – the future of UK retail banking?

Metro Bank is Britain's first new high street bank for over a century and it's a seven days a week bank.  The bank only closes four days a year, and is open 78 hours a week.   That's because they are in the account opening business, which means taking business away from the competition. The bank opened its fifth store just the other day, and plans to have 12 stores operating by the end of this year thanks to its full capitalisation of £125 million through private funding.

Every call in the call centre is answered by the second ring and the whole technology operation is run on a pay-as-you-use basis.  The banks view is that you should over invest in stores and facilities, as that's building the brand, and that Britain's banks have underinvested in these areas for years.

That's why Metro is focused upon the small things, like the pens.  They give away pens, Lots of them.  Take away as many pens as you want. Why chain the pen to the counter?  Give them away. Like the vans.  All the banks in Britain have vans picking up cash and cheques from branches, and they don't even bother to brand them.  Metro Bank's vans are all fully branded, as that's thousands of free eyeball impressions every day.

Like the coin counting machines.  You don't need to be a customer to use those machines, and yet these coin counting machines cost about £30,000 each to put into the branch.  In traditional banks, you wouldn't do that.  You would ask where the return is.  How do you justify that? But Metro Bank justifies all of this because of the customers becoming fans and that delivers the shareholder returns.

It all looks great but I think the things that will make the real difference are the ways that Metro Bank is being set up. There are many advantages that completely new businesses have especially in banking. From the infrastructure:  no legacy systems to integrate with, all data on systems that can be scaled and are cutting edge; to the way that customer service staff work both on phone banking and in branch interchangeably. It’s these advantages that will make the real difference in delivering a truly better customer experience that might just get people to switch.

Thank you for reading! And feel welcome to leave a comment

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

BPM: The view from all sides

BPM opens the door to the possibility of smaller software portfolios, flexible response to business needs, and easy customization. BPM enables data to flow easily from the organization's various data repositories to its employees and partners while actually strengthening the governance of the data itself as well as that of the processes driven by that data. And, perhaps most importantly, BPM-based processes are indeed invented here, custom-configured for the needs of the business, often without programming.

Sure, BPM has its challenges, and I hope to touch on those in this space. Ultimately, though, BPM holds out the promise of a revolution in the way that technology impacts business, and the way that business, in turn, views technology.

Since 2000, the financial services industry has led the aggressive adoption of BPMS technology. Many leading financial services institutions are consolidating their projects into a more coordinated BPM program. BPM has mostly been embraced in service industries, where human productivity and effectiveness are especially critical to process performance.

In their September 2010 primary research survey on BPM adoption, respondents said they expected the following benefits from BPM:

Continuous Process Improvement [53%]
Transformational [7%]
Incremental Gains [20%]
Substantial Benefits [19%]

The above list of expectations gathered from a Gartner survey should have more credibility. I am sure that you have heard what BPM can do for your company from many vendors. And, you may be hesitant that you will actually receive those benefits. Businesses tend to purchase a BPM solution to improve business performance through broader and better coordination of a specific mission critical process. They are looking for continuous process improvement, transformational gains, incremental gains and substantial benefits.

Their thinking is if I can make my mission critical process more efficient and more effective, then I can expect lower costs, increased revenues, and improved customer relationships. It can differentiate my company from its competitors and It can become a core competency.

Thank you for reading! And feel welcome to leave a comment

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

Social Media and Business Process Management Make Strange Bedfellows

Or do they? Just look at who is using and who is producing each one. On the one hand, we have the BPM industry, BPM Software is all about following rules, improving efficiency, and getting large, bureaucratic organizations to operate the same way every time for a given process. Social Media on the other hand is cool.  There is no other way to put it.  It isn’t worried about being efficient; it is led by 20 somethings that are out to change the world.  While Business Process Management and Business Process Management Software is about modelling business processes and simulating them until we can make them more efficient. Using social media to engage and grow a community you certainly wouldn’t want to design out the processes by which participants would interact and “code” them into the collaborative environment. People don’t socialize and collaborate that way. With social media you focus on purpose and outcomes often letting the means to the end emerge naturally as people engage one another.

Ok, I'm generalizing, but you get the picture. Most BPM companies are going to have a hard time innovating around Social Media because they really don't understand it or the culture it comes from. Nonetheless, the two exist in the enterprise together so of course it begs the question of how the two fit together. As an open source BPM provider, we tend to have a deeper understanding of social media than most BPM companies. After all, Social Media has long been an integral part of open source software culture.

So, now that I’ve just explained why Social Media and Social Media Software is incompatible with BPM – let me tell you how despite the differences the two can and should co-exist intimately. But what ties the two together is that business needs both.  And when we talk about software residing in an enterprise, then we’ve got to talk about how they can and should interact. 

Think about it this way - what if bpm users were empowered to improve their process performance by harnessing an interlaced, interactive, and living knowledge base and that is where a key point of interaction between BPM and Social Media resides.

Thank You for reading!


All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

Google BPM: Noodle!

Google has finally arrived into the Enterprise space with their Enterprise BPM offering called Noodle (named after process spaghetti!). Here’s look at what they Google Offers: All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation


Process discovery: With Google’s powerful presence in the email & productivity space, combined with the strong tagging and pattern recognition technology, there’s finally a way to auto discover the spaghetti of processes. It uses the groups and aliases given to all the people and tracks down the frequently used labels and combines with who connected with whom most often, to come up with this. There’s also a way to search and filter the communications to trim off the garbage from this spaghetti.


Collaborative Modeling: With a cool collaborative technology using the behind the scene syncing technology around Google docs, and a simple drag & drop and tagging interface, you have a collaborative process modeling environment. There’s obviously no match for process workshop, but there’s so much that happens after that brings you back to the real world reality. And ability to remotely collaborate over process model is something that is indeed a blessing.


On the Cloud: Google is on the cloud, your process models will be on the cloud, your processes would execute from the cloud.


BPM and ACM, meet each other: A process model designed and deployed through the modeler, process executes through emails, messaging, and the engine that keeps track of a fixed and variable parts of the process. Similar to what happens to a Google Doc in a shared mode – while you’re viewing a doc on the cloud it remains the same copy for all. The moment you edit it and make it private for you, it creates a separate process instance so to say – in process world still visible for monitoring and process participation to others. What’s more, you can define which roles can actually edit and make the process better.


On Mobile: With the Android Apps and by pre-building an interface that every Android phone understands natively with Google App Engine, your processes can execute seamlessly from any handset that is powered by Android.


Social, what social? When you do the collaborative modeling & execution and enable people to participate and subscribe in processes, and you have Android interfaces for capturing the relevant tags and kicking off the process instances, then you have cool stuff of liking, favoriting and sharing the process templates.


And there’s a bunch more with Google’s marketplace and App Engine based approach that offers the potential to keep expanding the capability without having to fight around whether it is BPM or ACM or Social or mobile or even on cloud or not.

Thank You For Reading and as always we welcome your comments!

The Financial Service Industry

In Yesterday’s blog we were talking about BPM in Vertical markets but Which industry, if any, has successfully deployed BPM?.  This article focuses on such solutions within the financial services (FS) industry.

The FS industry is one of the industries that are focusing on BPM solutions, and BPM vendors have responded by providing industry-specific functionality. Within FS, we can talk about banking, insurance, credit card companies, securities, etc. These organizations are under intense competitive pressure and, thus, are constantly trying to improve their operations and to respond to dynamic market demands.

FS organizations have implemented several enterprise solutions over the last few years and encountered mixed results. These solutions include customer relationship management (CRM), and anti-fraud initiative solutions, as well as business improvement and competitive advantage applications.

One problem that keeps arising is that applications often are not integrated with each other or are not being used on an enterprise-wide basis. This makes it hard for FS companies to streamline business processes that are specific to the organization's changing needs.

FS companies must be able to design the processes so as to increase productivity within the organization. To do this, it must be possible to adjust processes so that they match an organization's needs as they evolve in an ever-changing environment. For FS companies, these needs may include complying with regulations, acquiring new customers faster, improving efficiency, integrating processes with legacy systems, automating manual processes, analyzing processes for risk management, improving exception handling, and decreasing the number of bottlenecks.

BPM vendors play to these industry requirements. BPM Vendors allow companies to design processes within their solution in order to manage their resources in a structured manner.

Through the BPM solutions that they offer, BPM vendors also help FS organizations achieve compliance, reduce risks, keep or acquire new customers, and link different vertical applications together to become more efficient.

FS organizations can use BPM solutions to their advantage in the following areas:

• Claims management
• Loan management
• Client intakes
• Conflict processing
• Compliance regulations
• Credit issuances
• Credit processing

At Carkean solutions we have extensive knowledge of exactly what is required of us when it comes to financial services firms. And our product; Aquima is second to none when it comes to artificial intelligence. Aquima facilitates agile application development, which in turn allows systems to be quickly modified and adapted to changing market conditions. Aquima is different in that you can update your systems in real time and it costs nothing but a small amount of time to do so. Aquima is not an ‘off the shelf’ solution but a bespoke system which can be tailored to your needs and can be developed to combat the problems you encounter most frequently.

Thank you for reading as always! If you have anything to add feel free to leave a comment or post on our social media sites.

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

BPM in Vertical Markets

BPM is already used in a variety of markets, from financial services and government to healthcare and manufacturing. In fact, vendors have different forms and workflows for each industry that companies can use as the basis for their BPM solution and that they can customize to their specific needs or structure in order to optimize their processes.

This customization is, in fact, fairly simple as BPM solutions are designed in such a way that business analysts are capable of doing most of the process development, thereby limiting the need for programming skills. BPM solutions enable analysts to design work flows, process flows, forms, and maps using the process designer.

Despite this, many organizations have focused on implementing vertical solutions, such as enterprise resource planning (ERP) and customer relationship management (CRM).
BPM, in contrast, spans the entire enterprise. Nonetheless, despite BPM's seemingly horizontal applicability across industries and enterprises, many organizations might benefit from industry-specific, or vertical, BPM solutions.

The core components of BPM are the process designer, the actual process engine, and the interface component. The process designer component is where the process developers or business analysts design business processes. The process engine component is used to authenticate and authorize users. In order to do so, it either stores the information in its own database or is able to connect to external applications or directories where user information is being stored. Finally, the interface component enables users to access the BPM solution through a variety of applications and interfaces, such as browsers, portals, e-mail, etc.

BPM Vendors allow companies to design processes within their solution in order to manage their resources in a structured manner. Through the BPM solutions that they offer, organizations achieve compliance, reduce risks, keep or acquire new customers, and link different vertical applications together to become more efficient.

Thank you, for reading and we look forward to hearing from you!

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation

Death of Osama lifts dollar but hits gold, silver and oil

The  announcement of  Osama bin Laden death has  pushed the dollar higher, reversing recent weakness, and caused commodities priced in that currency including gold, silver and oil to fall.

Whether any of these hold long term remains to be seen but the historic event instantly created losers as well as winners across global markets. Oil and gold prices fell by as much as two per cent on news of bin Laden’s death and silver slumped by 10 per cent, its steepest fall since late 2008. Brent crude fell by 98 cents to $124.91 a barrel, more than $2 below last month’s 32-month high of $127.

Oil was already down before the news about Bin Laden, after NATO air strikes over the weekend killed one of Libyan leader Muammar Gaddafi’s sons and after industry sources said that Saudi Arabia raised output in April. Spot gold prices fell by more than $5 to $1,540 an ounce immediately after the reports of bin Laden’s death, having earlier touched an all-time high of $1,576. Spot silver stood at $44.64 an ounce, down 6.6 per cent and some analysts predict further falls.

The price changes will be reflected in valuations of unit and investment trusts when trading on London Exchange recommences today and recently popular commodity funds, which saw massive inflows last year, will be the biggest losers.

The Oil markets are likely to be the most volatile given their higher sensitivity to the tug of war between lower risk overall and the possibility of isolated disturbances in some parts of the Middle East and central Asia.

Thank You for reading and we look forward to hearing from you!

All information presented here is © copyright Carkean Solutions Ltd., 2010 - Not to be used without our permission - The views expressed here are the views of an individual not the corporation