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health insurance that covers both spouses until they are both old enough for Medicare. It might take some scratching, but an early retiree can find medical expense coverage during the health care limbo years.

Magner had learned FORTRAN at the beginning of her nance career. She had spent enough time writing code to be comfortable speaking directly with developers about new technology solutions. I would ask them, Are we presenting data to the customer in an understandable way Or are we just throwing a bunch of stuff on a screen and expecting the customer to gure it out I d tell them, The customer is not going to gure it out unless we make it easy, logical and intuitive. I would also remind them that the system had to be easy for internal users. If our own people couldn t remember how to use the system without putting sticky notes all over their terminals, how could we expect anyone else to gure it out Magner recalls that it took time and effort to explain her strategy to the developers. These developers were brilliant, brilliant young people and they would look at me like I had ten heads, she says with a smile. But eventually we delivered a valuable service that customers and internal users could navigate easily and intuitively. So I always believed that the time I spent talking with the developers was worth it. Magner says she comes from a long line of CEOs who talk with developers. When we were developing a system at our consumer nance business, the CEO would come out to where we were developing it and he d sit down to see what we were doing.

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professional backgrounds of my fellow students enriched our experience. Understanding analytic methodologies is relevant to folks from all walks of life. I highly recommend the program and would do it all over again in a heartbeat. NC State is certainly not the only source of world-class analysts, but it is a good place to start. We found exceptional analysts emerging from rst-tier undergraduate schools, such as Dartmouth and Duke, big state schools (the University of Illinois), small state schools, small private colleges, and rst-tier graduate schools (the Yale School of Management). We asked Eric Williams where he managed to nd his high-performing analysts. It is very interesting. We actually nd a lot of them directly from the major analytic houses in the U.S. So we nd them from the IRIs [Information Resources, Inc.], from the Nielsens, those types of organizations. They are typically people who have a fair amount of history with them and are frustrated and tired of doing the same old things. So they are looking for some cutting edge services. They are looking for ways to be able to truly utilize the data and be actionable. That is something that is unique about Catalina. Information companies and reach companies being organizations like the IRIs and the Nielsens of the world, have information, but they can t do anything about it. They can report on it. And then you ve got reach entities or media companies that can reach people but don t know anything about them. An example of that are all of the cable networks, ABC, NBC, the print services on down the line. We are the only entity in the world that is able to bridge that gap. You have the information and we can do something about it. So the analytic people out in the marketplace love coming here because they get to do the research and then they get to go and execute it. Then they get to do the analytics and see how accurate their assumption was.

At the beginning of each chapter, we use the icon below to identify the gurus whose ideas are covered in that chapter. For example, the chapter on customer relationship management begins as follows:

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