Correspondence: Bruce Ratner, 574 Flanders Drive, North Woodmere, NY 11581, USA. E-mail: br@dmstat1.com

¹founder and President of DM STAT-1 Consulting, has made the company the ensample for Statistical Modeling & Analysis and Data Mining in Direct & Database Marketing, Customer Relationship Management, Business Intelligence and Information Technology. DM STAT-1 specialises in the full range of standard statistical techniques, and methods using hybrid machine learning-statistics algorithms, such as its patented GenlQ Model© Modeling & Data Mining Software, to achieve its Clients' Goals across industries of Banking, Insurance, Finance, Retail, Telecommunications, Healthcare, Pharmaceutical, Publication & Circulation, Mass & Direct Advertising, Catalog Marketing, e-Commerce, Web-mining, B2B, Human Capital Management and Risk Management. Bruce's par excellence consulting expertise is clearly apparent, as he is the author of the best-selling book Statistical Modeling and Analysis for Database Marketing: Effective Techniques for Mining Big Data (based on Amazon Sales Rank since June 2003), and assures: the client's marketing decision problems will be solved with the optimal problem-solution methodology; rapid start-up and timely delivery of projects results; and, the client's projects will be executed with the highest level of statistical practice. He is often-invited speaker at public and private industry events.