"FUTURE PAST" 5/7/2010

Climatic changes are profoundly felt in Florida during hurricane season. Every summer, the South East United States and Caribbean are exposed to the threat of hurricanes. Hurricane Andrew in 1992 eclipsed all other Florida storms in its cost and destructiveness. There are newspaper (Sun Sentinel)  articles and books including the freely available Google book, Hurricane Andrew: ethnicity, gender and the sociology of disasters.  2004 and 2005 were horrific years and on September 25th 2004, just three weeks after hurricane Frances, hurricane Jeanne made landfall near Jensen Beach, Florida. Future weather changes promise more frequent and greater size storms. The uncertainty of life’s future is relived each summer in Florida but through new building codes, hurricane forecasting and logistics support, the state is a model for the South East in preparedness.

A step into the future is one of choosing from many possibilities. Future choices are based on past choices in an unending link that creates reality. I introduce the concept of reverse evolution whereby we make choices for the future and work backwards to create a reality of today to make the future come true. How far into the future can one go using reverse evolution? Every link is a possibility based on a probable outcome. In reverse evolution, nothing can be certain except the commitment to stay the course, overcoming all obstacles to create a future reality.

"SIGHT UNSEEN" ECONOMY 6/7/2010

The growing prevalence of “sight-unseen” online purchases is enabling a new sales and distribution retail sector. Leading in this effort is the Direct Buy company and the many Internet sites that rely mainly on visual information on products for the purchasing decision. As more and more sales are transacted across the Internet, Consumer’s gain widespread acceptance of the Internet as a sales channel. Internet Datas Analysis provides analytical management of the massive data content of e-commerce.
“Sight Unseen” economies are not limited by regional or national boundaries. As increasing retail services are provided through the Internet, goods and services traded remotely will redefine the classic brick and mortar retail and wholesale outlet paradigm. Issues of broad product offerings would be supplanted by management of transportation and logistics of products to the individual customer. Mass market merchandising transformation is from one where a single source offers diverse goods to many customers to one where many customers select targeted niche product offerings from diverse sources.

SERVICE ECONOMY 8/28/2010

The value added of a service economy is leveraged by maximizing the number of clients being served and minimizing the number of service providers. Maximizing profits follows the optimization of the value added, however, in a recession, this leads to further unemployment. A well informed public (e.g., using the On-Demand Advertising proposal) can lead to purchases of less unwanted and hence more relevant products and services. At a minimum, the value of such informative advertising equals the cost savings of unnecessary irrelevant purchases to the consumer. (A case in point is purchasing a Chevy ZR1 instead of a Ferrari Enzo, which is of comparable horsepower but the ZR1 saves $800,000).However, the lack of such expenditures further diminishes economic activity in a recession.

A modeling of the churn rate for diabetic clients’s retention in a Diabetic Weight Management Program, showed an initial sign-up rate that was four times the final steady state level. The implications of this analysis is that four times the level of service providers are needed at the beginning than at the maturity of the program which implies a need for downsizing at that time. This scenario is a classic challenge that employers face during business startup; needing more employees at the beginning due to pent up demand than at steady state with the implications towards downsizing in the future. Employers are placed on a treadmill of needing to maintain the productivity of their staff through job growth, or downsizing. The compromise is rightsizing a startup and not falling into the trap of ramping up to fill excess demand. A core staff is hired to match the projected steady state level of operations. The economic implication is the existence of a core staff that provides steady state levels of service, and the temporary employed that service excess capacity. These temporary employees require a steady growth in jobs beyond the steady state levels of the economy.

A compromise for the dichotomy of a better informed consumer and less economic activity and its negative effect on value added to the service economy is to modify the workweek. Decreasing the workweek from 40 hours to 35 hours a week, will theoretically reduce the unemployment rate by 12.5%, all other factors remaining equal. Also, the diminished work hours translate to less pay, however this can be offset by optimized informative advertising that further reduces the need of redundant spending. The zero sum gain is that the economy will return to full time employment and be resilient through the foreseeable down turn.

TELECOMMUNICATIONS PUBLIC SAFETY 5/24/2011

Although the illustrated event of a car crossing an undivided road was not a US incident, clicking on the picture to left shows details of the potential of a text while driving accident (Click on image for details.) Text and Drive . Calling for cell phone industry development of universal safety application for curbing deaths and injuries due to Distracted Drivers. Cell phone use account for 18% of the 6000 annual distracted driver deaths. If a major auto manufacturer was responsible for 1000 annual deaths, there would be a vehicle recall. However, cell phone use in a moving vehicle poses just as much a safety concern as a defective auto product in the operation of the vehicle. Cell phone carriers should be mindful of the hazards that their products cause while in use in a moving vehicle and therefore provide safety features related to vehicular operation.

A viable solution will involve legislation and technology working in concert. Through technology, cell phone carriers will be provided with tools to enable or disable the operation of cell phones in a moving vehicle in accordance with a legal framework. Through technology, the legislature will be provided with practical methods of monitoring and enforcing compliance of laws that promote the safe use of cell phones in vehicles. Altogether, a win win solution is achievable which results is measurable by the reduction in deaths and injuries through its implementation. SOLUTION. Vehicle Cell Phone Safety Service (VCPSS)

COMMUNITY REINVESTMENT SERVICE (CRS) 7/18/2011

Employees lose an estimated $68 billion in employers’ matching contributions due to early retirement savings withdrawals and consequential lack of employees retirement savings contributions. The Community Reinvestment Service (CRS) is a banking service for business customers that allows employees of participating businesses, immediate access to employee’s and employers’ matching retirement contributions before annual transfers of CRS account balances into standard retirement savings plans.

CRS permits banks to receive an increase of the aforementioned $68 billion dollars in cash flows from employers matched contributions direct deposits into CRS bank accounts. CRS immediate availability of matched savings funds increase employees enrollment and contributions to retirement savings plans. A CRS enrollment rate of 50%, and added employees’ annual withdrawal of $1,200 in matching employers’ contributions, results in an increase spending of $83.8674 billion nationally or 773,942 new jobs. Increased availability of employees’ funds expands investment and job growth within local communities. The service allows banks to offer increased selections of cost-effective retirement savings plans for small to midsize businesses.

US DEBT SCENARIO ANALYSIS APPLICATION 8/14/2011

The US Debt application is an Excel 2003 macro enabled work in progress. Application forecasting of debt is solely based on preceding debt, interest rates, debt interest payments and debt balance payments. US Treasury Website’s average monthly interest rates are used and average monthly interest payments are calculated using preceding months’ last days debt balances. Historical debt payments are iteratively calculated using the goal seek function to match calculated debt with US Treasury Website’s debt data.

Simulation as of October 4th 15th 2011 indicates annual deficit spending of $813 billion and FY 2011 debt growth of $1.229 trillion dollars. If deficit spending continue at FY 2011 levels for the next ten years, debt would increase by $15.54 trillion dollars or the average equivalent payment-losses of 15.42 million annual jobs from US economy.

Results show a savings of $236 billion over ten years for a debt growth reduction of $1.5 trillion dollars. The projected savings are $629 billion dollars for a debt growth reduction of $4 trillion over ten years. Both conditions are under continued deficit spending. If Congress pursues a non-deficit spending policy, making zero-sum-gain payments on interest (paying interest and borrowing to pay interest at same levels), the projected reduction in debt growth will exceed both $1.5 trillion and $4 trillion and approach a reduction of $9.643 trillion dollars and net savings of $1.516 trillion dollars. The $813 billion annual payment for deficit spending reductions will remove 8,062,500 jobs annually from the economy. Beyond a balanced budget, payments for a $515 billion rising annual interest expense in fiscal year 2012 under a $1.5 trillion debt reduction growth policy will be needed to curb debt growth to zero levels. The $813 billion deficit spending reductions combined with the FY 2012 $515 interest payments or $1.328 trillion in annual payments are needed to balance debt or the equivalent of removing 13,174,600 jobs from US economy.

If deficit spending continues at FY 2011 for ten years the ending 2021 debt is projected to be 30.330 trillion dollars. The projected $1.5 trillion dollar debt reduction balance for 2021 is $28.830 trillion dollars and the 2021 balanced budget projections are $20.687 trillion dollars. Projections are based on US Treasury website data thru September 30th 2011. The application projection accuracy improves as the application trains on future historical data.

CLOSED-LOOP APPLICATIONS SERVICE (CLAS) 9/4/2011

The Closed-Loop Applications Service (CLAS) addresses the need to provide secure sales and distribution of physical digital media content through the optimization of computer processing, data communications and data storage. CLAS was conceived as an alternative to the Internet bandwidth intensive applications such as Netflix and cloud computing strategies, which bandwidth demands have exceeded 30% of overall Internet traffic. These access gateways such as iTunes have the potential of spiraling into economic monopolies for command and control of information content access and sales and distribution points, with economic power to effectively dictate tax rates for use of their services typically set at 30% or beyond. Through optimization of productivity, they collectively marginalized the job creating brick and mortar information sales and distribution industry at typical ratios of one of their jobs created to forty US jobs loss. The continual erosion of brick and mortar information content retailers is being pursued in a mad rush by the entertainment industry current embracing of video streaming as a means of economies of scale advantage over the sale and distribution of physical digital media and combating digital piracy.

CLAS addresses issues of the forthcoming technological obsolescence of brick and mortar digital retailers through its proposed standard. The standard requires the authorization of CLAS physical digital media use through closed-loop verification of user sales transaction. CLAS comprises three segments; 1) sales transaction logging, 2)verification and authentication of CLAS media for usage, 3) security features of CLAS recorded media and playback devices to maintain closed-loop relationship between buyer as purchaser and buyer as user of CLAS media.

ClAS technology envisions the innovative rebirth of the brick and mortar digital retailers with sales and distribution bandwidth optimization features that surpass that of Internet websites. The current levels of 15 hours per month of video streaming by Internet TV viewers is resulting in peak Internet usage of 30% of total Internet bandwidth. CLAS technology would permit CLAS retail customers to rent or purchase in excess of 200 hours of videos per store visit through use of their USB physical digital media drives. If this level of service is extrapolated to current Internet video streaming on a weekly basis, the Internet would crash! The technological features of CLAS links CLAS consumers with CLAS content producers/providers, providing a plethora of interactive innovations not previously permitted by pre-recorded media.

TRAFFIC SPEED MANAGEMENT SERVICE (TSMS) 10/9/2011

(TSMS) The traffic speed management service (TSMS) is a proposal for an area-wide optimiztion of vehicle fuel economy and vehicle speeds. The goal of the proposal is to achieve the equivalent reduction of 10% of total US highway driving speeds to 55 mph, or a savings of 100 nillion barrels of crude oil per year. A modified version of the system use is being investigated for air traffic control with pojected jet fuel savings in excess of 100 million gallons per year.

MULTI-TIERED HEALTHCARE SERVICE (MTHS) 1/1/2012

The Multi-Tiered Healthcare Service (MTHS) Proposal MTHS provides a comprehensive cost-effective means for control of National Healthcare Expenditures (NHE). The essence of the plan is the division of healthcare insurance and service delivery into a two tiered system of preventive and responsive services. Enrollees in the first tiered preventive services receive discounts on second tiered responsive insurance premiums. The first tier preventive care premiums offer coverage for a well defined set of cost effective medical protocols for achieving maximum reduction of chronic illnesses at minimum cost. First tier premium coverage is further divided into a) healthcare coverage for achieving a benchmark level of health fitness and b) healthcare coverage for maintaining benchmark level of health fitness. First tier enrollees start in plan a) and move to plan b) after achieving levels of benchmark fitness. Premiums for first tier plan b) are less than premiums for plan a). A dynamic system for enrollees' movement between plan a) and b) coverage is provided for enrollees who are in and out of service provider's compliance.

Second tier responsive services are similar to current healthcare insurance and healthcare services. MTHS divorces the inclusive preventive care aspect of current healthcare insurance and services into preventive and responsive care services. The goal of this distinction is: 1) for cost-effective preventive care to gain a wider foothold in healthcare services provided, 2) to achieve a wider level of patients compliance in preventive healthcare through cost incentive structure between first tier and second tier insurance premium reimbursements, 3) provide regular schedule of preventive care services in lieu of lack of scheduled healthcare and 4) to achieve net savings through reductions of patients with chronic illnesses and chronic illnesses costs associated with enrollment in first tier services. MCC INNovations is currently modeling MTHS pricing structure and operational constraints for achieving effective control of NHE as % of US GDP for US population projections to 2100.

TREASURE-COAST RAIL-CRUISE SERVICE (TCRCS) 1/23/2012

The Treasure Coast Rail Cruise Service (TCRCS) proposes the expansion of a Key-West like vacation destination within the Ft. Pierce thru Stuart Treasure Coast area. The propsal fosters the expansion of tourism within the area in coordination with area entertainment, beaches, parks, theatres, and nightlife. At the core of the proposal is the quest for the addition of Armtrak and cruise line service to enhance the area into a world-class cruise industry port of call. MCC INNovations is researching TCRCS development costs, supporting infrastructure and TCRCS job growth potential.

TRAFFIC SPEED MANAGEMENT SYSTEM VIRTUAL FREEWAY (TSMS-VF) 3/20/2012

MCC INNovations proposes the Traffic Speed Management System -Virtual Freeway (TSMS-VF) based on traffic lights localized broadcast of their GPS locations and broadcast of their scheduled timings. TSMS-VF systems aboard vehicles manage vehicle speeds for optimum destination transit times and fuel-economy savings. Optimization is based on replacing stop and go driving conditions with average transit speed driving which exceeds the fuel economy of stop and go driving. The TSMS-VF onboard vehicle system analyzes the scheduled broadcast timings of their destination routes and set vehicle speeds for optimum traffic lights transits.

The ultimate goal is to recover a portion of the estimated 1 billion barrels of gasoline that can be saved if US drivers drive at 55 mph, thru driving at near optimum speeds for traffic conditions.

PORT ST LUCIE RAILWAY STATION (PSL-RS) 3-23-2012

The Port St. Lucie Railway Station proposal (PSL-RS) draws insight from TCRCS of 1/23/2012, the FEC decision to provide private railway service to Southern Florida and the TCRPC Amtrak FEC Charette TCRPC Amtrak FEC.

PSL-RS provides an optimum compromise for railway service to the year 2050 and beyond for the St Lucie community which is slated to grow at double the population of Martin County and with a dominant population center in the greater Port St. Lucie area. When consideration is given to long term planning for area growth and supporting infrastructure for mass transit throughput, the PSL-RS at Walton Rd. is ideal. Ease of access to the Crosstown Pkwy extension being developed as of this writing and the nearby SE Green River Pkwy, provides high capacity transportation to and from the station to all areas, I95 and the Florida Turnpike. In conclusion, having a PSL-RS at Walton Rd, improves overall South Florida railway service by having a station that centrally serves the area, replacing the need for two railway stations with one, and providing space for future growth.

BLACKBIRDRECON EXCHANGE 6-25-2012

BlackBirdRecon Exchange provides viral sales and distribution of digital copyrights through legitimate reselling of content. Visitors are welcomed to sign up for accounts for distributing or reselling of their digital files by affiliated members. BlackBirdRecon offers a full spectrum of digital content including audio, video, text and software applications for sale. BlackBirdRecon community includes a wide range of developers from local writers‘ clubs to video production studios. End users are able to resell their purchased digital content from their computers through Internet access transactions processing managed by the BlackBirdRecon Exchange. Copyright content owners, resellers and all other authorized sources receive payments into their BlackBirdRecon bank accounts from BlackBirdRecon sales transactions processing. We invite you to explore the content genres of affiliated member listings for a most diverse and eclectic collection of digital copyrights.

TakeMeIntoU 12-14-2013
TakeMeIntoU
Proposal of proof of concept for “TakeMeIntoU” international web portal: the moral In-turpedite of all things sensual. Site features access to portals in: Colombia, Germany, Japan, China, Russia, Switzerland, Austria, Australia, Chile, India, USA and others. Venture into discussions from brain teasers, poetry, nuclear fusion, autonomous vehicles, The Noveaux Honkies ... and everything in between. Opening picture hyperlinks are updated by day of week exploring Decaps conditional writing. Goal: a one stop portal to the world.

Lyrical Miles Davis 03-31-2014
Lyrical Miles Davis State Of America
Following video is a MCC INNovations, Inc lyrical interpretation of a condensed version of Miles Davis “Someday My Prince Will Come,” assembled from Google and Yahoo pictures and YouTube videos. All copyrights are properties of respective owners. Warning: thought provocative portrayal of America’s demise through her embrace of fatalism.

SPC-R 06-25-2014
Stored Programmable Controlled-Retail
Using the concept of stored program control (SPC-R) define techniques for the downloading of copyrighted images of garments into an automated lathe fabric cutting machine. For the retail garment industry (SPC-R), retail garments do not have to cross international borders for delivery but manufactured in country of demand. Retail brick and mortar have screen image representation of garments and technology developed for custom fitting through on site captured image of clientele. This is transferred to on-demand production lathes from retail store order entry system. Bandwidth requirements for retail sites such as malls is expected to exceed gigabits / second to satisfy on-demand retail requirements of in-excess of 100-stores Mall and wi-fi cell phone piggy backing services.

NWS Radio 06-29-2014
National Weather Service (NWS) Radio
A NWS radio provides NWS warnings at bedside while sleeping or during any other activities at home. Some consideration for a US OEM manufacturer to modify Midland WR300 design to enable NWS alarms triggering off radio buzzer and storing NWS broadcast for replay after user responds to buzzer sound.

Avant Garde Concerto Grosso 09-29-2014
MCC INNovations Colloquy on Work Circa 2050 AD
A six-part series on Transformation of Work by Automation set to double Avant Garde Concerto Grosso format in which a topic is voiced over to a Classical Music composition sandwiched between two modern compositions. Exploration of machines creating machines and asymptotic convergence to zero-hour work week.Work II: Virtual Realms Wealth Equitability

Avant Garde Concerto Grosso 10-15-2014
MCC INNovations Colloquy on Work Circa 2050 AD
Third part of six-part series on Transformation of Work by Automation set to double Avant Garde Concerto Grosso format in which a topic is voiced over to a Classical Music composition sandwiched between two modern compositions. Exploration of redefining work as the convergence of the lack of tedious things done and play.

2 Corinthians 7 1:12 9-20-2015
2 Corinthians 7 MCC INNovations interpretation of St Paul 2 Corinthians 7 letter to church in perspective of circa 9-14-2015 European Refugees.
Verbatim transcription of New International Bible scriptures with organ works by John Keys, “A Mighty Fortress Is Our God.” History ... does repeat itself!

Americana Nostalgica 12-10-2015
Eagles Desperado Recently, I had occasion to meet Ron, - a veteran at the West Palm Beach VA hospital. In the short time I've known him, I believe he typifies a once yesteryear temperament of ease, unhurried, neighborly and folksy American ideals. Such attributes are lacking in our modern day life as displayed by current short-attention-span electronic media ... which itself demands increasing stimuli leading to the incoherency of the collective consciousness that defined the US of A of bygone years.
From this vantage I am submitting a revamping of the status quo and the launching of “Americana Nostalgica,” a cradle to grave integration of products goods and services characterization of “Americana” and providing a distillate of the captivation of the American Spirit.
This command and control facilitates all aspects of marketing, production and distribution emphasizing the Disney exploitation of points of contact of customer base at a national and global level.
A simple idea that emulates this ideology is the design of Mr. Ron's unique fly fish, accessories, magazine using vertical points of sales such as travel and leisure outlets synergistic American OEMs of clothing, sporting goods, physical fitness monitoring and other OEM spinoffs highlighting training, educational and motivational mental and physical fitness.
The gyration of the “Americana Nostalgica” is in my estimate projected to generate $5 trillion USD 2015 in fifteen years.

Global Airports Wi-Fi Connectivity (GAWC) 12-14-2015
The Global Airports Wi-Fi Connectivity (GAWC) Business proposal provides 1) Wi-Fi service to airports' passengers; 2) passenger to passenger texting through anonymous passenger destination searches; 3) Multimedia Entertainment; 4) Multimedia Destination Promotions and 5) High Speed Data through puts exceeding 4 GByte/ hour. GAWC two main revenue streams are passenger service payments and promotional advertising payments.
GAWC Entertainment include 1) Independent and mainstream music; 2) Independent and mainstream video releases; 3) Independent and mainstream E-books. The service provides an avenue for distribution of independent artists' productions such as documentaries, movies and serial video shows. It is expected to be a tier 1 level of distribution before cable services.
GAWC is a secured service which passengers access through a GAWC application running on their mobile devices. Passengers pay a nominal fee through airline reservations which is applicable for time spent in departing airport on departure date.
Projected US revenues are $20- $50 billion annually. GAWC embraces the "Americana Nostalgica" philosophy - providing distinctive promotions that lead the way in shaping an America of our dreams - not one captive to senseless titillation of news sensualization of the worst of America. GAWC promotions would proactively shape a future America that redefines current trajectories towards an "Americana Nostalgica" identity - one in which every individual can truly claim her or his sense of purpose - One Nation, Indivisible, with Liberty and Justice For All -

Metamorphosis Transformative Cross-Generational Social Engineering (MTCGSE) 3-29-2016
MTCGSE Metamorphosis Transformative Cross Generational Social Engineering (MTCGSE) is defined as an evolutionary approach to changing inter-generational norms and mores of a target culture or population. The axiom of change is fixated on 1) modulation of the collective attention-span of subjects and 2) control of framework of historical context (by mass media) sources available to subjects. The overall effectiveness of cross-generational influence is inversely related to amalgamate of target subjects attention span and length of period of contextual historical references relevant to present time that subjects are collectively exposed to.
Empirical research undertaking on MTCGSE is currently quantifying levels of these two co-factors in radical shift from GOP from a party of Ronald Reagan to that of Donald Trump in context with building a social engineering model for psych-ops control of American population norms, values and mores.

It is the belief of the author of this document that if this research is not rigorously undertaken, US cross-generational cultural changes may be influenced to metamorphosize into ill norms, mores and values by organic processes of those its leaders declare War against or by covert practitioners of manipulators of these MTCGSE Social Engineering tools.

Remote Extended Automobile Diagnosis Service (READS) 4-14-2022
READS Remote Extended Automobile Diagnosis Service (READS) embraces an evolutionary approach for the transition from the Internal Combustion Engine (ICE) to the US Electric Vehicle (EV) infrastructure.

Heart of the system is a secured communications link between EV manufacturers and their EVs. Through telemetry links, manufacturers are able to provide virtual mainenance and servicing by on the fly upgrades of EV firmware for Qualty Control managemnt of their fleets.Optimized QC permits minimal deployment of brick and mortar service centers. The admixture of virtual firmware servicing and brick and mortar servicing is further optimized by a physical vehicle shipment between service centers and customers. The later structure provides slack in operations for EV manufactureres handling EV Exception Repair Conditions and EV firmware updates.

Internal Combustion Engine (ICE) Automation 4-20-2022
ICE Automation
Internal Combustion Engine (ICE) Automation proposes a dual aproach to the phasing out of ICE by Electric Vehicles. The approach embraces a transitional phase where both ICE and EV safely co-exist on road. During this period, MCC INNovations proposes the adoption of EV innovations for use on ICE platforms.

The dual-mode approach mainly addresses the need for an orderly transition to renewable enrgy. More specifically, identifying solutions for reducing demands on utilities to pursue rapid & costly renewable energy and electric infrastructure upgrades. Providing a feedback control mechanism for EV marketplace to achieve cost effective US EV infrastructure development. One solution involes taxing rate of EV power charging. Faster rates of charging proportionally require larger peak power transfer rates from grid. Utilities must design their grids to service peak power demand which can be multiples of normal demand needs. Taxing power transfer rates partially addresses the added costs for utilities. Also, EV consumers using a 5 minute charger instead of a 40 minute charger experience over a half an hour of free time with each EV battery recharging.

A phased-in approach where EV innovations are adopted on ICE platforms provides greater universality in development of evolving US EV infrastructure.Adoption of the proposal is also expected to provide a major impact on reducing vhicular accidents; potential savings of lives, property damage and health costs.

9-14-2009, Renewable Energy Distributive Power Management (REDPM) proposal exploring the need to provide maximized minimum renewable power to maximize reduction of overall growth in fossil energy demand.

10-08-2010, Insurance Wind Mitigation (IWM) proposal that addresses a comprehensive approach for insurers' to cost effectively fund wind mitigation protection for policyholders.

11-22-2010, Proposal to mitigate real estate downturn using Equity Account Reinvestment Service (EARS) to leverage payoff of mortgage negative equity.

3-30-2011, CrowsView a proposed business service for the viral sales and distribution of copyrighted digital content. Viral sales are enabled through the legitimate reselling of copyrighted content by end users.

4-14-2011, Delayed Cooking (DC) proposal expands the prepared foods channels to a third channel from stove top and microwave to baking.

5-25-2011 Vehicle Cell Phone Safety (VCPSS) proposal for addressing issues of text while driving and other concerns of cell phones use in moving vehicles.

6-28-2011, Community Reinvestment Service (CRS) proposal for improving cash flows to banks and depositors and expanding retirement services offerings for small and mid size businesses.

7-23-2011, Enhanced Community Reinvestment Service (ECRS) proposal for generating multiplier cash flows of expenditures exceeding retirement savings (money velocity ratio) through employer-employees-retailers financial relationships within community.