Abstract: User information may be received and a market segment associated with the user may be received. A personalized or individualized offer may be determined based on the user information, the personalized offer determined based on a product offeror's goal with respect to the user at a given time. The market segment offer and the personalized offer may be blended to determine a recommended personalized offering for the user at the given time, e.g., given a company's tactical, strategic and lifetime goals and values for that user.

Abstract: User information may be received and a market segment associated with the user may be received. A personalized or individualized offer may be determined based on the user information, the personalized offer determined based on a product offeror's goal with respect to the user at a given time. The market segment offer and the personalized offer may be blended to determine a recommended personalized offering for the user at the given time, e.g., given a company's tactical, strategic and lifetime goals and values for that user.

Abstract: A present risk aversion of a customer is determined. A temporal preference is detected using historical data related to the customer, the temporal preference showing a preference of current utility over a future utility of a product. Using the temporal preference and a negative transaction risk, a future risk aversion of the customer is projected at a future time. A pattern of offer acceptance by the customer is identified in the historical data. A value of an exogenous factor is determined on which a buying ability of the customer depends. The customer is classified in a cluster, where all customers in the cluster have the present risk aversion, the temporal preference, the negative transaction risk, the future risk aversion, and the value. An offer for a product is presented to the cluster, which satisfies the present risk aversion, and where a probability of acceptance of the offer exceeds a threshold.

Abstract: A computerized method includes: programming a computer to statistically analyze data describing a plurality of types of behavior for a plurality of entities in order to construct a plurality of behavioral patterns; and programming the computer to compare data describing an entity with the plurality of behavioral patterns in order to use one of the plurality of behavioral patterns as a predictive behavioral pattern predicting a plurality of behavioral events for one type of behavior of the entity occurring over any amount of time up to a lifetime of the entity. A computerized method of displaying information includes: programming a computer such that a plurality of windows are displayed by a display device and show a plurality of live systems. The windows show where in the plurality of live systems, the computer derived the information that is requested by the user and that is displayed.

Abstract: A computerized method includes: programming a computer to statistically analyze data describing a plurality of types of behavior for a plurality of entities in order to construct a plurality of behavioral patterns; and programming the computer to compare data describing an entity with the plurality of behavioral patterns in order to use one of the plurality of behavioral patterns as a predictive behavioral pattern predicting a plurality of behavioral events for one type of behavior of the entity occurring over any amount of time up to a lifetime of the entity. A computerized method of displaying information includes: programming a computer such that a plurality of windows are displayed by a display device and show a plurality of live systems. The windows show where in the plurality of live systems, the computer derived the information that is requested by the user and that is displayed.

Abstract: A storage unit, comprising a body member which has a substantially box-shape formed of sides walls, a bottom wall, a rear wall, a top cap and a pair of hinged frontal wings which together define a cavity formed in the body member. The pair of hinged frontal wings define an opening between the pair of hinged frontal wings, and at least one cartridge receiving unit is disposed in the cavity formed in the body member for receiving and storing a cartridge such as a compact disk case, a cassette tape case, a ZIP drive disk case, an 8-track tape and other similar media cases.