Benefits of customers segmentation are obvious: division of customers into groups allows to meet more accurately the needs of each client, while optimizing marketing and promotion costs.

Oleg Leushin hasn’t got the director’s education, but he has got something that fully compensate its absence: the school of Belyakovich and his own actor’s “I”.

The first 8 years of euro existence and 10 years — of stability and growth Pact can be characterized as the time of missed opportunities, when all the prerequisites for the eurozone crisis were formed.

The dynamics and direction of oil quotations can be affected by numerous factors and fundamental supply indices, demand or changes in commercial oil stocks in the USA do not play the same significant role.

Major indicators dynamics of “Economic Strategy” market index (MIES) has negative character. In octobernovember MIES decreased by 1 point, and the industrial production index — by 1.3 points.

Collapse of totalitarian and authoritarian regimes and desire for public life democratization is characteristic feature of the new era. Globalization process contributes to this, as the information about wellfunctioning state system and social order quickly acquires the power of example in other parts of the world.

The Urantia Book contains surprising and sometimes shocking information about the origin and evolution of man, about the Universe organization and its spiritual commencement.

What events became the most significant in the past 2012? How can one see Russia in the current year 2013?

Winners of the Institute for Economic Strategies anneal program “Characters of the century” in 2012 found their own way of will and civic awareness manifestation, adequate to the environment threats and risks, their personal and managerial response. They became one more step, one more year closer to the possibility to manage environment and to form independently favorable circumstances of their life and work.

Many events became an unpleasant surprise, they pulled off the veil of illusions from the eyes: these were inactivity of authorities during the disaster in Krymsk and corruption scandals, which spilled through the country one after another, and the revealed ineffectiveness of many higher education institutions.