Intelligent Solutions

Legal Research On Your Television Screen

Legal Research On Your Television Screen 1337 765 Raymond Blyd
A quiet Sunday morning, I’m channel surfing on my big screen when I come across an enticing teaser on the Wolters Kluwer Channel. I carrousel through the Health and Tax panels and select Legal. I start reading the news articles and a particular phrase intrigues me. I spread my arms to zoom in and make a left to right swiping gesture in the air to select it…

Dominator

Now this is not the opening to my upcoming Sci-Fi drama but rather an imminent reality. At the end of 2011, there were 82 million connected TVs in homes worldwide according to research group Informa. By 2016 it forecasts that number will have ballooned to 892 million. I also predict Smart TV’s will be into corporate offices quicker than you can spell: iPad. At Wolters Kluwer’s HQ in Alphen a/d Rijn, Netherlands, you are greeted by the latest news displayed on a large screen in the lobby. These are scattered around the building and in board rooms. The fact is, the TV screen still dominates and it will continue to do so by convergence with the web.

tv2

Domesticated

Actually, my first web-like experience coming to Europe was ‘surfing’ TeleText pages on my TV. I still use it occasionally for looking up flight status from my comfortable couch at home. And it’s not just flight status lookups but also legal research that is being domesticated. While doing year stats analysis on research portals, I discovered that engagement peaks during weekends with hours instead of minutes spent on the site. Imagine you could utilize the biggest screen (TV) in your home for research. It’s the same argument why you would use your smallest screen (Smartphone) for quick lookups.

Dipping toes

Natural interfaces such as the touch on Apple’s mobile devices or motion on Microsoft Kinect are slowly replacing mouse and keyboard. I wouldn’t go as far as using my eyes to control the screen but I think it isn’t farfetched that a minority report style of an interface will enter our television sets. And some in legal technology have already been wondering when it will appear for legal research. Traditional print publishers are already dipping their toes on Apple TV, Google TV or Roku.

In the end, the trick is not looking objectively at what’s happening now but intuitively at what will happen. More after the break…

6 Reasons for Building for The Concept Worker

6 Reasons for Building for The Concept Worker 960 540 Raymond Blyd

Daniel Pink’s book A Whole New Mind: Why Right-Brainers Will Rule the Future contains a description of a new age: the Conceptual Age which features the Concept Worker. This is different from what is called a Knowledge Worker, a term introduced by Peter Drucker. Publishers traditionally serve the knowledge workers: people who work primarily with information and those who develop and use knowledge in the workplace. So, if the next wave of customers will be Concept Workers, what tools would they need?

Concept Workers
Concept Workers would hopefully enjoy working with a tool like Concept Zepp (Solving Social and Research Online) which I introduced in an earlier post. It aims to reward researching and sharing information between peers to expose expertise; a personal knowledge management application that will help them advance their knowledge.

building for knowledge worker

6 rules of knowledge management
First, we need to understand what knowledge management is before we can make a tool for it. Unfortunately, there is no industry consensus. One blogger stopped counting knowledge management definitions at 54, after which the blog went offline. As with a lot of complex problems they are often easily solved by explaining them to a 4-year-old. Keeping that in mind, I found this definition in Rules of knowledge management:

How children share – Davenport’s Kindergarten Rationale:

  1. You share with the friends you trust
  2. You share when you’re sure you’ll get something in return
  3. Your toys are more special than anyone else’s
  4. You share when the teacher tells you to until she turns her back
  5. When toys are scarce, there’s less sharing
  6. Once yours get taken, you never share again
Translating this to a concept worker network it might look something like the image below:
Legalcomplex Concept-Workers-Network
In short: we get smarter by reading and enriching content other people have produced. By sharing our own we have the chance to make others benefit equally. But we only share if we’ll get something in return.

 

6 reasons social is important
In essence, knowledge sharing is a fundamental part of being a social human being and a member of society. I’ve gather a few arguments which indicate why ‘social’ is important:

  1. There is a growing awareness among most major players that they must tap into social networks. For instance, Google is reportedly betting the company on GooglePlus and CNN made a sizable investment to acquire technology to incorporate a more personalized experience for its users.
  2. The main impetus is to extract information from the social activity that occurs on such networks and to use that information to make better decisions about search results and other targeted services. From: How Social is Changing the Search Industry
  3. Activity streams in social networks facilitate serendipity and informal learning.
  4. They help flatten organisations and traditionally hierarchical structures.
  5. They inspire an open knowledge sharing culture. From: 5 Reasons Why Activity Streams Will Save You From Information Overload
  6. Corporations like law firms want to create a social platform for better knowledge flow because they are struggling with email filing and knowledge management as a whole. From: What’s New in Legal KM?

6 reasons for building tools for the concept workers
Finally, here are 6 reasons why we should build tools to support concept and knowledge workers:

  1. Knowledge workers understand information as currency. Sharing is a core strategy for success even in a corporate context. This can bring knowledge workers to the commons.
  2. Their worldview is informed by systems thinking or is polyglot. It’s not informed by a single political ideology.
  3. They understand that influence depends on the ability to persuade, and that choice of language is important.
  4. Knowledge workers can become moderate radicals, meaning they believe that fundamental change is needed.
  5. Their identities are not wrapped up in a single belief system so they have options. Courtesy of: The new knowledge worker
  6. And to add my own: They will always look for and find better ways of advancing their knowledge.

So why don’t we give them a special toy to do just that.

Concept Zepp: Solving Personal, Research, and Social

Concept Zepp: Solving Personal, Research, and Social 960 540 Raymond Blyd
“The next big thing needs to be a proactive approach to knowing where data lives and what it means. It needs to include tools to keep data organized and secured regardless of location.” I lifted this quote from 3 Geeks and a Law Blog because it sums up part of Zepp, a concept that I have been thinking about for the past few months.

The Challenges
In some of my previous posts (the LegalComplex Library and it’s precursor post) I looked at the analysis of the current and future environment of knowledge workers. The challenge many knowledge professional face is that they have a multi-verse of applications and solutions to do research tasks in sequence and within one workflow.

Example: How can one capture web content, annotate, save, organize it for easy retrieval, and share it while preserving context and within this process also be rewarded with a pleasant experience and the ability to showcase your work and expertise? This would ultimately benefit the user through recognition and perhaps more profitable assignments.

The Workflows
Let’s run through this: You’ve discovered an important argument for a copyright case on the web while browsing. You now want to save, annotate, and share it. A browser’s core function is singular in the sense that its main focus is rendering web content. The save, annotate, and share parts are just add-ons.

So one will have to just copy and paste the content and hyperlink (! must not forget) to a word processor. Depending on your tool of choice, you will either have a canon or water pistol in your hands to do the basic saving and annotating. You head over to your email client, hunt down your work via the ‘attach file’ dialog box and send it. It’s now gone and only you and your recipients know what has transpired.

The Solutions
So far we ran through 3 applications (Browser, Word, Email) and I haven’t counted the retrieval part yet. Depending on your set-up you are faced with having these 3 add-on features (Browser History, File Search or Email Search) to do the retention/retrieval or have a fourth application to tie it together.

Some tools might even add a layer of knowledge management but this is most often an afterthought. You could use something like Apple’s Reading List, however, you would still be faced with figuring out the initial integration with your other solutions.

The Social
Most of these applications will not have the goal to help you promote, showcase or profile your work. As indicated in this post on The Next Web (“In Social Media: Doctors, Lawyers, and Financiers, oh my!), ’chances are, when you think “open,” “social,” and “sharing,” your doctor, lawyer, and financial person are probably not at the top of your list…But doctors, lawyers, and financiers are people too.

The above link and this article delve into a paradigm of these heavy regulated industries and why being social is so difficult because of compliance or policy. On our own Solutions, Blog Cathy Betz talked about it here and here for the Drug Industry and Leanne Summers also made a passionate plea for sharing with colleagues.

The sheer number of users on Facebook (700+ mln), Twitter (300+mln) and Google+ , reportedly the fastest growing in history, make the case: it isn’t about traffic, searches, or page views anymore, it’s about users and sharing.

“Social Business” is not about technology, or about “corporate culture.” It is a sociopolitical historical shift that is bigger, broader and much more fascinating.” (Social Business Doesn’t Mean What You Think It Does, Neither Does Enterprise 2.0)

“Zepp it”
To sum it up, the core activities to be tied together and simplified are:

  1. Discover (Search, Read, Browse)
  2. Organize (Save, Annotate, Group)
  3. Share
  4. Profile

Copy/pasting, multitasking and app switching has become so ingrained in our daily workflows that we have grown accustomed to it. We tend to forget the frustration and tediousness until we have to do it on a 3.5-inch screen with no keyboard.

So Zepp is first and foremost an acknowledgment that these four essential research activities for any knowledge professional can and must be simplified and…pleasant. The video below demonstrates how Zepp would look like…plus a sneak peek at what’s next, Enjoy!

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Call My Agent: Evolution In Information Retrieval

Call My Agent: Evolution In Information Retrieval 772 457 Raymond Blyd
 It is known by many names: OffspringMagnets, Filters, Bloodhounds  but in theory they can also be called: Agents. My definition: An intelligent application that basically goes and fetches ‘your’ information without you re-entering a query at every instance. Undoubtedly there are other more scientific explanations but for argument’s sake we’ll keep it simple and stick to this one. Now, how can agents make our lives more pleasant?

You’ve got Mail!
The first ‘agent’ I used online were email newsletters. If an interesting site had the option to subscribe to an email newsletter it gave me two features in exchange for my email address and exposed preference:

  1. I did not need to visit the site to get the latest information;
  2. By popping up in my inbox, it was a reminder that this source existed.

More advanced email delivery systems gave you more flexibility in delivery times or topics to choose from and the more advanced sites gave you more sources. Yet, not all sites had these options so I moved on.

webtimeline

Blowing the Pipe
With the rise of R.S.S. (Really Simple Syndication) feeds also came more creative features to play with. As with email one could subscribe to a site and use a separate application (RSS Reader) to receive the information. Yahoo Pipes – An interactive feed aggregator and manipulator- gave me the extraordinary ability to, “rewire the web”. For example, one of my favorite pipes was created right after the launch of the first iPhone. It used several online feed sources and persistent searches to scour information on the iPhone. If a site did not provide a feed I could always create one for it by using a web scraper.

While it all started out nicely, information overload crept in really fast. By using services like Postrank to prefilter my feeds based on popularity I was trying to stem the tide. By using trends and suggestions instead of Pipes in Google Reader I was also encouraging serendipity.

Back to Basics
Twitter, Friendfeed ,and Facebook added a new dimension to this overload fire I was fueling. Especially FriendFeed was menacing in its torrent of good information. By piling on filters on feeds I think I’ve managed the problem. My latest darling filter isSummify iPhone app. It summarizes and reduces my Google Reader 78 feeds and Twitter 226 friends to 10 story-links every 8 hours, depending on my settings.

Looking at this from another angle I think I have subconsciously created a personalized newspaper edited by humans and machines alike. Yet, I feel like I’m still missing some things in terms of relevancy, quality, and serendipity. Moreover, in the real world, I’m still pleasantly surprised by learning new stuff from friends and colleagues at the water cooler. It’s also scary to realize that speed will increasingly become more important. The earlier we know something the better prepared we can be and you might even be able to predict the future.

I think the web has evolved enough for us start rekindling this notion of agents. My dream is to have an intelligent agent which can rummage the web and alerts my friends in the real world to provide me with relevant information based on my profile. In real time or at predetermined times based on the substance of the information and the impact on my live and work.

More importantly, I hope that the web and my friends also know that I’m available to share, just ring my agent.

The Dogs of Legal Search: Facts vs Concepts

The Dogs of Legal Search: Facts vs Concepts 1024 640 Raymond Blyd
Legal research has passed the crossroads of print or digital and is heading for the next: facts or concepts. But are search engines getting too “easy” to use? Is the “dumbing down” of legal search engines a real threat to the quality of legal research?

Bloodhounds
As promised in a comment on a previous post, I would delve into the dilemma of simplifying of legal search engines. The question was raised again on the 3 Geeks and a Law Blog , which led me to some very intriguing insights presented in Roberta Shaffer’s key note at the American Association of Law Libraries (AALL) Vendor Colloquium.

Here are some of the many trends in legal research which she highlighted during her keynote:

  • More complexity in legal issues (opinions longer)
  • More diversity of jurisdiction
  • More cases of “ a first impression”
  • More data-driven evidence
  • More focused on fact as compared to previous centuries – concepts/legal theories
  • Legal academy is more multi-disciplinary as are practitioners (judges?) – bringing to the table different ways of finding, evaluating, exploiting, and employing knowledge
  • Education by “edit” and “isolation”

The reason I’ve picked these statements is that I think they are key in the evolution of legal search engines. Deep analytical research is like finding a crumb and following its trail through the forest. My suggestion is to clear the forest or use a bloodhound. The skill set we needed in the past are evolving but the tools we use aren’t. In short, a logical evolution of legal search engines is trying to distill more facts and less concepts; also because the latter is much harder to achieve by a ‘machine’.

How much will this case cost me?
The European Cartel Digest compiles and summarizes every decision of the European Commission and all case law of the courts on cartels. Unlike most legal print publications its construct is similar to a database. This setup makes it especially suitable for extracting facts in a flexible manner and experimenting with alternate online displays. The ultimate goal is answering factual queries quicker by exposing facts such as: what are the amounts of damages awarded in particular cases? This concept video demonstrates how such a question might get answered faster:

The essential question on everybody’s mind will always be: what’s at stake? In this new age the margin for errors for professionals are far greater simply due to amounts of data available. Let’s not forget that an online legal search in the many repositories is only one way to get answers. But wouldn’t it be nice if it was our first stop for quick answers about the facts of the matter.

 

Rewards Research, Organizing, and Socializing (R.R.O.S)

Rewards Research, Organizing, and Socializing (R.R.O.S) 960 540 Raymond Blyd
I’ve submitted a concept named RROS in a contest. RROS is based on my notion of knowledge management: the personal kind. Ok, there’s also this reward of an iPad 2 which I really crave. So the concept attempts to go to the heart of why we do what we do: rewards.

RROS is a conceptualization of what I think makes any product good: it aims to reward the user for their effort of using the product.

It tries to combine timeless principles of how we gather information to gain knowledge with current pervasive models on the web.

Is RROS ‘New’ and ‘Innovative’?

No, but in my universe, there is no such thing as ‘new’. RROS is just the exercise in walking a different path towards the same goal. Sort of reconnecting existing dots in a different pattern.

When I perceive something as new or innovative it is just a matter of me being ill-informed. Just like the discovery of a new planet. It has always been there yet we did not have the knowledge (or dumb luck) to have stumbled upon it sooner. We know there’s more out there but we just cannot see them.

The real challenge is convincing insiders that this ‘new’ thing is not that different (and thus unsettling) while convincing outsiders it is, in fact, an ‘innovation’.

Now the big question: did I win? Well, my reward was the scenery of a path less traveled.

Apocalypse 2014: the End of Three Mobile Myths

Apocalypse 2014: the End of Three Mobile Myths 980 431 Raymond Blyd

1. Consumption or Creation?

A recent report by usability guru Nielsen on the iPad reiterates a common understanding about the iPad, which is that it’s mostly for media consumption. Email is “the only slight exception to the rule.” This might be true now but it is not a sign of things to come.

The main reason why consumption is more prevalent is simple: good consumption apps far outnumber good creation apps. The internet started out the same way until Web 2.0, Cloud and SaaS.

The ultimate example of mobile creation – microblogging (Twitter), photography, notes, to-do and other productivity apps aside- are in fact the Apple apps. Garageband, Pages, and Numbers are excellent examples of creation on the tablet. Especially iMovie on the iPhone I find extraordinary. I’ve created over 15 iMovies ( a mix video, photo’s and music) and loaded them onto YouTube in HD straight from my iPhone.

overview_imovie_20110302The trick is to figure out the usability and tasks and refitting them to the mobile form factor. It’s design led by format as oppose to desktop-based workflow.

Mobile-Personas

 

2. Apps or Web apps?

A Forrester report stated, in general, to do both because it deemed the distinction irrelevant. But here’s the quote from their blog post: a majority of consumers across the globe will access the Internet, not apps.

This is especially true for areas which do have ubiquitous and ambient connectivity. Those areas are expanding. Moreover, real-time and streaming will always be preferred over sync, update, and download. I heard somebody once say: You need real-time data if you want to cross a street. Just as Cloud and SaaS are getting the traction we should not revert back to the notion of “installed software” and its drawbacks.

3. Mobile vs. PC

Taking the above into account the question is not if but when mobile will replace the traditional concept of a PC. Laptops have already replaced the workstation in most business and homes. Smartphone are doing the same with cell phones just as the iPhone is replacing Blackberry.

Predicting the tipping point is a challenging endeavor but here’s my attempt: 2014

mobile-internet-growth

 

Burning Filters and Popping Bubbles: The Personalization Paradox

Burning Filters and Popping Bubbles: The Personalization Paradox 834 472 Raymond Blyd
 In 2008 Clay Shirky coined the phrase “It’s not information overload. It filters failure.” In 2011 this was reversed by Nicolas Carr stating: “It’s not information overload. It filters success.” He also stated that we were, in fact, getting dumbed down by filters like Google. Eli Pariser at TED gave a presentation called Beware online “filter bubbles” which gave a warning of the dangers of filters and personalization. So are we going filter mad?

bubblesA question of perception

The reason for the filter upheaval is understandable from a certain perspective. So was book burning in its day. Filters have been around since there was information exchange of any sort. Eli Pariser made the case that in the last century we had filters called editors with build in ethics who decided to give us a wide spectrum of information. Algorithms – without ethics – are replacing editors in this century as our main filter. However, the problem is that algorithms for personalization will inevitably calculate your persona and provide you the information it can deduce you might want. This can be very confrontational. But that’s not much different from the previous century whereby the act of buying and reading a certain newspaper brand is highly ‘personal’ and would say a lot about who you are.

bubbles2The luxury of serendipity

In a world of consumer-targeted filters, do these also pose a “danger” for the business market? On the contrary, they are the core of the business proposition. The rise of information providers and publishers depended solely on finding the appropriate filters called sources, experts, authors, editors, etc . A lawyer arguing before the bench, a physician at the bedside, or an accountant before a filing deadline do not have the luxury of the accidental discovery of crucial information. They rely heavily on meticulously chosen filters to deliver in a clutch. And now they are requiring us to design better filters and not force them into haystacks to find a needle.

Information overload is a symptom best cured by filters that do not aggravate the problem or deceive the user.

bubbles3

Cannibalism and 5 Special FX of Evolution

Cannibalism and 5 Special FX of Evolution 1920 1080 Raymond Blyd
Most of what’s happening on the information super highway – at accelerating speeds – is just evolution as genuine as Darwin. Yet, most are still determined to call it cannibalism when a “new” service or product threatens the established business models. But as the saying goes: there’s so sense in beating a dead horse…better to trade it for a car while it’s still alive.

 

Cannibalism / Evolution = Timing

On one of the earnings calls for Apple, an analyst asked COO Tim Cook: do iPad sales cannibalize their PC market? His answer in short: No, on the contrary, but if it would eventually happen it would be for the better.

It did not dawn on me until seeing Steve Jobs presenting the iPad 2, that Apple has already given up on the PC market they have defined since its inception, and are moving on to next thing. Mr. Jobs kept making the reference to the “post-PC era” and I could hear Bill Gates echoing in the background.

Most may have forgotten, but the ex-Microsoft CEO was an early champion of tablets and voice recognition. Yet Microsoft’s business model (or thinking) did not permit them to go full blown for marrying the hardware and software to make tablets a success. If the Amazon Kindle had not proven to Apple that the timing was right we might still be waiting for the first real tablet. This is an example of why timing is everything and it does not always mean you have to be first.

The taste of 3D

In a PC market disruptions are common and adapting is crucial, but to publishers both are unsettling. A business that hasn’t drastically changed since the invention of the printing press needs some time to digest it all. However, it is still a gamble what will be the “next big thing.” For instance, the film industry took an enormous bet on 3D and it paid off. We all know 3D isn’t new (and gives headaches) yet the film industry posted record earnings partly due to this technology. Still, most can argue that 3D is still a huge gamble for TV manufactures and PC makers.

What is the Pay Off? 5 Special effects:

1. Halo effect: Tim Cook called the effect of the iPad “a Halo Effect from Apple product to Apple product.” Similarly, any digital version (web or app) of a paper product will initially boost its predecessor and not kill it.

2. 3D effect: Technology doesn’t have to be “new” or “innovative” to work. It just has to be done right with the purpose of adding value to utility and design.

3. Darwin effect: “In the struggle for survival, the fittest win out at the expense of their rivals because they succeed in adapting themselves best to their environment” (Charles Darwin). Adapting to a digital environment is having a fundamental understanding of its strength (distribution) and weakness (usability) and using both to your advantage.

4. Pricing effect: In my opinion, the biggest challenge for publishers is their business model: pay for content. This will be increasingly more difficult to justify because of the abundance of (free) information. Just ask the newspapers.

Cannibalism legalcomplex

 

I foresee the following evolution in business models:

  • Content is paid: Original print model still in effect today;
  • Content is paid – Service is paid or value adds: Struggling to come to terms with the web, variations of this models are being tried;
  • Content is free – Service is paid: Due to the mixing of proprietary, free and user generated content and integration with software, this model might be forced upon publishers;
  • 4th Model: Due to the abundance of competing for cloud solutions, a model must arise that considers both the value of content and service and replace the ad-supported model as the predominant model for the web.

5. Goodwill effect: This a bonus effect due to all of the above effects. The marketing is in the product itself.

Did You Just Call Me a ‘Customer’?

Did You Just Call Me a ‘Customer’? 1920 1080 Raymond Blyd
In a business to business market (B2B), we often refer to ‘the Customer’ as the End-user which is not necessarily the case. Contrary to business to the consumer market (B2C) there isn’t always a direct relation between the purchaser and the End-user of a product in B2B. However, after recent very successful launches of consumer devices and services this differentiation has become distorted. So instead of focusing on the Customer, focus instead on the persons actually pushing the buttons.

Please, you may refer to me as ‘Patient’

In developing for enterprises I define 3 categories of ‘users’:

  1. End-user: the person who is actually working with a product on a daily basis;
  2. Experts: person who is considered by the enterprise as an expert in the field and is either the decision maker or influences the decision making;
  3. Customer: an entity (e.g. the enterprise ) which will ultimately foot the bill and is the main driver behind the purchase of a product.

Now all three types of users use a product in a different way but they are equally relevant. The End-user uses a product more directly. For the Expert the product would be more a means to an end. The Customer in this definition wants a Return On Investment (ROI).

All three users have legitimate uses for a product and must be considered when developing. However, when it is time to set priorities these three different uses might become a muddle.

Example: some business analytics tools come packed with shiny dashboards and gauges. The Customer would be pleased with exposing business critical information. The Experts is satisfied with the prospect of solving a business need. The End-user is – in this example: the person needed to input data in order for the analytics to work – livid with anger and frustration.

The causes may vary from no process in place to produce data to feed the tool, the tedious fashion for inputting or importing data or complex configurations to get information into the dashboard as required. In any case, being the End-users will feel more like a Patient, begging for a cure from a Doctor.

Traditionally, enterprise tools have put more empathize on the Expert and the Customer and who could blame them?

B2B legalcomplexWho’s this feature for?

For knowledge portal development these user roles are somewhat similar with one important distinction: the End-user has by far more power and influence.

For instance, in a legal market these roles would probably translate into the following types:

  1. End-user: Attorneys, Librarians;
  2. Experts: Knowledge Manager, Information Officer;
  3. Customer: Law Firm.

Hereby the End-user does the actual information retrieval (searching & browsing) on a daily basis. The Experts monitors the comprehensiveness, proficiency, and efficiency for the Customer who sees that as its ROI.

Now comes the hard part: Who do you focus on when developing knowledge tools or services? Especially when features request keep piling on and requirements keep coming in. A specific feature might benefit all three equally but that will not always the case. One must always strive to satisfy all three users but if deadline pressures mount (or common sense prevails) you’re likely being forced to choose.

For example, a feature, which is perceived to be crucial for End-users, might raise the cost of a product tremendously which in turn isn’t beneficiary to either Expert or Customer.

User Intimacy

Much to the chagrin of IT, Security and Compliance consumer devices and services e.g. iPhone, Google Docs, WordPress, and Dropbox have been making inroads into enterprises by way of End-users. These tools have in common that they are squarely aimed at them and not Customers. I will not venture and say that they have a really inmate relationship with their users but they do have succeeded in pleasing a lot of them. Enterprise tools have a spotty record in that regard and – in some cases- have been forced to make way for these competitors. A trend started by influential End-users that have been pleading their case for fewer restrictions and more convenience resulting in productivity. We’ve all received corporate emails signed “Send from my iPad” knowing full well that iOS is not supported in your enterprise.

It might not be easy spotting End-users gains as oppose to those for Expert or Customer, but betting on them will surely pay off in the End.

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