Bi Directional Governance & Life Cycle Management 2.0 Diagrams

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Based on: Provisional Patent #61095693, dt 9/11/08 Author: Aslam Handy, HHE, LLC

Bi-Directional Governance and Life-cycle Management

Continuation in Part of non-provisional patent 12584558 (Sep 8, 2009)

Business_on_a_Page

Author: Aslam T. Handy

[Sep 21, 2009]

Enterprise architecture is an emerging discipline that cuts across arts, science and religion. Whenever quality and governance suffers (Cuban Missile crises, globalization of mfg in the '70s, Sep 11, global warming and the recent financial & healthcare crises), it impacts America and the entire world. The $787B bailout, "biggest since great depression" might get even worse when 50% of the workforce in NA, Europe & Japan retires in the next 5-10 years and productivity suffers when the younger generation (a large percentage of the 7B population is in emerging countries) has to take care of the older generation. Governance needs to be better architected for a real-time company operating in a multi-enterprise ecosystem – one that can sense and respond in real-time to changes in its environment, competition and customer needs. Information needs to be organized based on standards that United Nations has adopted and was demonstrated for Hurricane Katrina.

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The real-time company gets continuous feedback from its customers, employees, vendors, competitors and environment. Governance mechanisms need to be in place for effective change management and technology enabled evolution. Whenever quality and governance suffers (Cuban Missile crises, globalization of mfg in the '70s, Sep 11, global warming and the recent financial & healthcare crises), it impacts America and the entire world. The $787B bailout, "biggest since great depression" might get even worse when 50% of the workforce in NA, Europe & Japan retires in the next 5-10 years and productivity suffers when the younger generation (a large percentage of the 7B population is in emerging countries) has to take care of the older generation. GM, for example, has most of its productive workers outside US (India, etc) while most of its retirees are in US.

Enterprise Architecture tools are used for modeling workflows and taking out these inefficiencies through activity based costing. EA is an emerging discipline that can provide better IT-enabled governance in a real-time corporate environment. A real-time company is one that can sense and respond in real-time to changes in its environment, competition and customer needs. It has virtual operations or agile linkages of competencies in different organizations when necessary. It is a corporation designed for fast change, which can learn, evolve, and transform itself rapidly. A MIT CISR study showed that proper governance can increase a company’s profitability by 20 %. In US government, the Cohen-Klinger Act of 1998 ensures that no project/program will get funded until reviewed by architecture (OMB) as part of the governance process. In US industry, in the aftermath of Enron, the Sarbanes-Oxley act was passed to ensure governance & compliance. However, governance needs to be better architected for a real-time company operating in a multi-enterprise ecosystem. Strapping new technology to old business processes will negatively impact value.

Business processes at work or home, academia or athletics, govt or industry can be aligned across 3 distinct value disciplines regardless of size. A ground-breaking CSC study done in 1994 suggested that no individual or organization can simultaneously achieve excellence in all 3 areas, due to conflicting metrics. The processes and organizational structures need to be distinct and unique regardless of whether the company is in manufacturing or services. Any group or dept

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within the organization, however small is a microcosm of the organization. As processes in various industries continue to be automated, it provides an opportunity for costs to go down and best practices to go global. The 70’s saw globalization of manufacturing, the ‘90s saw globalization of IT and the new century with its rapidly aging population is seeing globalization of HR & Finance processes for sustainability. Only if all the groups or organizations are synchronized and have co-ordinated control across various projects and programs will they become sustainable.

The governance steps outlined here for internal and external harmonization through integration will need to be completed to become a real time company and part of a multi-enterprise ecosystem. A human capital and financial infrastructure (for taxes, reward management, compliance etc) is needed in a real-time company to enhance these 3 major value disciplines. A financial infrastructure that supports mass customization and areas like personalized medicine through remote monitoring is also required. For example the billing component of the real-time company architecture discussed in my provisional patent should be able to use existing financial infrastructure of the central banks in various countries such as that of the US Treasury & Federal Reserve System to reduce the collective costs to large and small companies alike while providing an audit trail for compliance through e-signatures & e-receipts (see appendix). Companies in industry, govt & academia will first need to rationalize their internal business processes and applications across these three value disciplines before they can integrate with an external multi-enterprise ecosystem to obtain credits using the stimulus package in US and green grants in other countries. This needs to be built upon standards that the United Nations has adopted.

Once the internal processes have been harmonized, an organizational structure for collaboration across multiple companies can be created as indicated in the diagram. UDEF will help evolve the internet which was created by scientists for networking and information sharing to better collaboration and innovation in a flat world. Adjacent diagram from patent shows the federated organizational structure, roles/responsibilities, customer touch points and metrics that can be used by creating centers of excellence to reduce time to market and cost of creating a new product. Certain components, namely demand chain, supply chain and EDW (R&D & Marketing) can be accordingly aligned and the portfolio of projects across various companies can be monitored. Advisory Boards with linkages to govt., business and academia are recommended. Global R&D is shown on the left. Companies specializing in R&D are collaborating in this area. The money saved from automating paper-based medical records could be put back into R&D for knowledge transfer through FIRST Robotics, creating a cure for cancer, an engine that does not pollute or a blood analysis chip. Creativity and risk management metrics for product leadership should be the key ethics.

Figure 3: Org Structure for Collaboration

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As the product/solution is being developed the infrastructure for demand chain and supply chain need to be separate, but developed and monitored in parallel. The supply chain is primarily focused around global manufacturing sites and product life-cycle management. Close linkages with the distributers and 3rd party suppliers need to be in place not only to create cost effective products, but also to take corrective action/preventative action on return goods, etc. Precision and quality management for operational efficiencies should be the key ethics. The Demand Chain is focused around demand generation and price which can be region/customer specific also and based on volume. Close linkages with influencers, be they in government, business or academia need to be created to customer intimacy, loyalty/trust and customer life-cycle management. Multiple channels of sales and marketing need to be co-ordinated across various companies through centres of excellence. Relationships and empowerment for customer intimacy should be the key ethics. As chips begin to get embedded in all facets of our lives (smart homes, smart cars, smart roads, etc) the rules of the game will change and the volume of information will increase exponentially. The patent further explains the emerging relationship between demand & supply chain across countries/regions as it relates to human capital discussed in the first paragraph.

Models created by enterprise architects for business and technology can now be used for simulation and feasibility prototypes, not just for IT, but for all functional areas of business. This ensures that all the

requirements, including environmental and regulatory have been complied with before the concept becomes a product or solution. This also provides an opportunity for new ideas from the customer, be they in business, government or academia to reach the appropriate stakeholders for a fraction of the cost and time that it would typically take to incubate an idea into an innovation. Governance and change management is driven not just top-down from the governance bodies, but also bottoms-up through the diverse affinity groups and communities of practitioners

through feedback and complaints received from internal and external sources.

The strategic IT planning cycle needs to be bi-directional. This includes customers, support personnel and other stakeholders such as industry, vendors and expert analysis. For the long term, knowledge management based on best practices using PBA, UDEF and e-signatures will ensure that life-cycle changes , be they in management, industry, environment or the upcoming baby boomer retirement wave can be sustained. Prioritization & funding of programs can be done after fully understanding the impact of the decisions on the ecosystem, the return on investment and the increase in the life-time value of the customer and their environment.

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Several Industry methodologies have evolved globally for system development life-cycle. As IT continues to get embedded in various technologies be they for product, person, plant or animal, best practices from these various methodologies need to be adhered to for portfolio management, governance and compliance monitoring. The same principles and guidelines that apply to for governance and monitoring of an IT project, would apply to a nuclear power plant or the automobile industry or city planning or agriculture or sports as the customer gets woven into the fabric of a multi-enterprise enterprise ecosystem. A healthy person creates a healthy family/organization which creates a healthy economy.

A real-time organization needs to be aware of all the changes taking place within the organization. Who are my customers? How long does it take before an emerging trend or an idea can be spun off into a new company? What will get impacted when a product/person retires? What are the costs to serve them? Knowledge management and knowledge transfer are critical elements given the retirement wave in NA, Europe & Japan and available talent (not as well educated) in emerging countries. Collaboration across academia, government and business needs to take place for

moving molecules (ideas) to market at a more cost effective mechanism than what is available today.

For example if a product costs “x”, by the time it reaches the consumer it may cost “4x” or greater. The next generation will not be able to afford the high-costs of areas like education and healthcare for themselves and the aging population which have been consistently outpacing ROI in areas like real-estate and financial markets. Consumers in emerging markets need to be able to afford the costs of these new products/services for a greener, healthier environment and medical tourism. An infrastructure that can support the requirements of remote health/environment monitoring, personalized medicine through bioinformatics and electronic medical records is needed. This extended internet needs to be “always on” for emergency response and disaster recovery so areas like backup for electricity/battery, wireless reliability, security, performance etc, in these devices is critical.

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In the above diagram the IT standardization row builds upon best practices from various methodologies and provides a four phased approach to taking a new idea/product/company to market, through feasibility prototypes. These feasibility prototypes are based on non-company standards and are typically done in collaboration with academia through the FIRST Robotics/UDEF/Continua alliance. (See patent. This is built upon a similar concept that was done to commercialize Unix through the MIT spin-off CTP using the SurroundTM Architecture where the

author was a founding member). If the feasibility prototype succeeds then individual companies of the alliance (be they in government, business or academia) will do a proof-of-concept (POC) using their company specific standards and by finding a company business sponsor. Doing the POC as part of an existing project/program should be reviewed before spinning this off as a new project. If the POC succeeds than it can follow one of two paths. If this is an upgrade to an existing project, operation, property, automobile, etc, it would go to operations or be bought by a company specializing in that area. If this is a new project/application it would go to the Program Management Office and/or create a new industry/sector. Once it is successfully completed the new product/person/sector is launched. This could be done through the formation of a new company or a new industry. This would typically entail the retirement of an old product/person/company/industry and its guidelines per the system development life-cycle process.

The Perspective Based Architecture (see patent) asks a series of questions that need to answered during the life-cycle process. This also ensures that governance processes have been re-engineered based on the above discussions before automation is applied and those on governance bodies have done their due diligence and are also accountable. Guidelines and expected answers provide a mechanism not only for knowledge transfer while ensuring NDA/IP rights are maintained, but provide a mechanism

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for proving a concept more cost effectively and efficiently through a consortia of companies and industry verticals, while rewarding talent.

The SDLC diagram also shows how the Open Group UDEF Vendor Challenge for electronic medical records can be used for taking a new idea/company to launch/acquisition through non-company standards. A feasibility prototype for remote blood analysis for creating a 40% faster patient alert system for diabetes was done with Stevens Institute of Technology where PBA was applied. The prototype was done for $5000, a fraction of the cost that it would have typically taken if these principles had not been applied. Similar devices can be embedded in homes for monitoring not only the environment and health of the home and automobiles (water, electricity, smoke etc), but the health of the people, plants and animals living within. By using open industry standards when the people move/relocate, finance and insurance providers will have the necessary information for personalized portfolio management, simulation and providing real-time quotes based on past history and medical conditions. Immunization records, blood tests and medical history will also provide states a mechanism for monitoring the health & wellness index as well as cost of living index of people who relocate. This can then be used to provide incentive for people from all over the world to come to countries that have the most cost effective infrastructure for energy, healthcare and education and creating new business models for going green and medical tourism. Best practices from arts, science, sports and religion (eg 2000 yr old home health science like Feng Shui which originated in China/India) can be eventually used for preventive healthcare insurance, based on evidence through remote healthcare monitoring by FDA & EPA approved devices. For example, monitoring bagua “energy”

patterns of a room in a house as described in Feng Shui (a 2000 yr old home healthcare science with roots in China/India) which reflect the energy patterns of the home and its surroundings. This is creating the equivalent of GM*OnStar for a healthy economy.

Requirements Management is a continuous process in a real-time company and is essential for life-cycle management and bi-directional governance. As IT gets embedded in people and products also, same governance methodologies

and best practices from SDLC should be applied for monitoring all programs and projects in the company, not just IT projects. Unified methodology based on TOGAF using best practices explained in

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the model-driven SDLC provides the needed mechanisms such as hub-spoke and publish-subscribe for bi-directional governance and life cycle management.

As one CEO pointed out “It is easy to proclaim the journey, getting people to move is the hard part”. Organizations will need to navigate along the planning continuum to achieve this blended strategy of embedding IT in business which is essential for listening in real-time to product and person complaints, be it internally from within the organization or externally from around the world. It is essential for personalization and mass-customization. It is necessary for rewards and compliance management, where entire organizations could be wiped out due to improper behavior or health conditions of one product or person. A flatter, transparent organization is essential in a flat world. An example of this would be remotely monitoring the quality of homes, time-shares, cars, air, water, blood etc by being able to integrate products from different companies and automatically generating electronic medical records to ensure the health and safety of the citizens, wherever they might be, even on NASA’s international space station. (See Energy efficiency – The world in 2030 video on YouTube by BASF and ongoing work for air/water monitoring as part of Richmond 2.0 in Appendix).

Only with a unified and structured blueprint of IT information can organizations gain accurate visibility into their planned and deployed environments for their customers and products, while being able to reuse best practices from other companies as well as retirees to create a healthy environment and sustainable eco-system. Visibility and understanding are most valuable when relationships are mapped from top level business processes to low level infrastructure details such mobile embedded hardware. Note that enterprise processes such as HR, Finance, Legal & IT do not change much across companies and can be leveraged for reuse through shared services. This will not only help reduce administrative costs, but reduce beauracracy which is needed for a real-time company.

5 Architecture components (sometimes referred to as 4+1) are required to create the unified blueprint. Business on a Page (Patent provides further detailed explanation). The business architecture layer touches people, processes and location and typically does not have anything to do with technology. Locations of facilities, products, people; processes or workflows by which interaction takes place across individuals, groups, organizations, countries (similar to

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workflows that happen across machines in a mfg environment); organization structure/roles responsibilities and the governance policies and principles that are in place for the specific processes are covered in this layer. Process metrics, critical success factors, required capabilities including business case/business rationale are also covered in this layer. Inefficiencies of the system (for eg the paper-based workflow that happens across multiple entities, timeshares, regions & countries in the healthcare, real-estate or financial sector) are weeded out through the business architecture layer while creating more effective workflows for personalized needs through remote health monitoring (equivalent of GM*OnStar for a healthy economy).

The technology layer is decomposed into applications, data and infrastructure. The applications layer is typically the software layer showing the various applications supporting the components of the business architecture layer and their interactions (Systems on a page). The business applications layer is supported by the data architecture layer, which needs to include the common information exchange spec UDEF – the symantic interoperability taxonomy that has been adopted by United Nations and can be used to enhance the Internet further through a common reusable repository of objects and governance standards. UDEF is supported by the Open Group and can be used for electronic medical records of homes/cars/people etc that could be automatically generated by IT devices embedded in/on/around these entities. The applications and data layer is supported by the infrastructure layer, which needs to include the wireless standards of connectivity such as Continua by which smart homes, smart cars, smart roads (ie facilities with chips embedded in them) can interact with each other with the right privacy and security requirements to monitor the health of people and products.

The integration layer brings all of these together. Conceptual, logical & physical views of all these layers are needed. An example of the integration layer in the business architecture is diversity initiatives within/across companies. An example of the integration layer in the applications architecture layer is ESB for EAI/Service Oriented Architecture. Universal healthcare coverage for example can be provided regardless of age or employment for a fraction of today’s cost through this business model.

Competition today is no longer between products but between enterprise business models. Enterprise Architecture is a fairly new and rapidly evolving field. It is a blend of art, science and religion of living and restoring based on lessons learnt from history. It cuts across different disciplines and will prepare our workforce for the new economy. As Information Technology gets embedded into our everyday lives (homes, cars, people etc) it provides an opportunity to create a real-time environment that rewards compliance and better living while removing beauracracy and reducing costs. This diagram shows the relationship between EA to the Project management office (PMO) and service management (ITIL). IT can not only support business (reduce cost of living per employee) but can create

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new growth opportunities for business (increase revenue per employee) by automating administrative areas in enterprise processes such as HR, Finance, Legal & IT which don’t change much across companies . It is extremely important for knowledge management/reuse, rewards management and sustainability as information becomes one of the most important assets for any organization. (See Did you know 2.0

on youtube). Governance is bi-directional and is needed to create the real-time regulatory architecture for the next generation enterprise.

The following is an example of how EA Governance is used to increase visibility from the project level to the business level using Perspective Based Architecture. Ensuring real-time and accurate credit rating of a customer or performance and rewards management of an entrepreneurial employee/sports athlete are examples of how this could be used.

The Governance process and approvals contains 5 checkpoints. The Diagram below outlines the scope and roles/responsibilities of business and IT. It is imperative that these steps be followed to create a transparent governance process that will produce significant benefits and cost savings. Reviews using Perspective based architecture will ensure that reuse takes place while ensuring knowledge management and development of staff occurs at the same time. It is recommended that academic prototypes involving multiple departments, companies be also reviewed as explained earlier.

Demand Management process in this diagram can be further broken down into the following process steps. Note the expected deliverables that will be reviewed in each of these steps. Vendor costs are typically 50-60% of overall project cost and hence the importance of creating blueprints that can be leveraged for reviews. Having a picture and the pictures history are critical for these reviews. This also helps in rationalizing the portfolio of locations, applications, data and infrastructure components.

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Vendor Management takes up a significant portion of the Demand management process. Requirements are continuously being refined during these interactions. The architecture reviews provides an opportunity to create balanced scorecards using PBA. This ensures that all perspectives are taken into consideration before making decisions and the governance bodies that are responsible have done their due diligence. The account manager is the critical co-ordinator between these various steps. The life-cycle of products and technologies can also be

traced using these steps

Real-Time architectures need to able to adapt quickly to changes in the environment, competition and customer needs. As IT continues to get embedded in/on/around people, homes, cars etc it becomes even more important to integrate the users as early as possible. Prototypes will ensure that requirements from diverse groups, be they the young IT savvy college students or the older retiring generation have been utilized. Iterative development methodologies are recommended, while training and support considerations need to begin from the first day. This will also ensure that we are creating an environment whose complexity will be sustainable by the next

generation that will be maintaining it. Standards and guidelines and overall architecture will help finalize the requirements. Usage from field analysis will drive the next version and upgrades. Note that prototypes are also iterative and will involve an academic prototype using non-company standards followed by an internal proof-of-concept using company standards. The PMO takes overall responsibility during these phases. As a recap, from the TOGAF/Unified methodology slides, this is depicting the solution architecture phases after the Enterprise

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Architecture strategy planning phases.

Once the gap/opportunities are identified the PMO becomes responsible for assembling the team for the IT solution project. The business account relationship manager and the business analyst (DMAIC process experts, business architects, external analysts etc can be used as SME) are responsible for capturing customer requirements, evaluating industry trends and developing the business case. The solution architect is responsible for designing and engineering the solution by evaluating technology trends, creating a feasibility prototype with academia and determining the internal architecture for the company based on enterprise standards and architecture roadmap. Development & Mfg team supervised by the PM and solution architect will be responsible for designing the components, developing the system and re-factoring the solution through rapid iterations. Quality Assurance & Compliance is responsible for designing the test plan and stress testing both the functional and non-functional requirements. Simulation tools may be used for this. Re-factoring takes place as needed and then the final solution

goes into production and is handed over to the support team. This solution life-cycle can be used for any products that have IT embedded in them. Academic feasibility prototypes & simulation will help reducing costs and nurturing global talent while providing reusable components to a multi-enterprise ecosystem of companies. This can be done by ensuring IP is protected and using UDEF as explained in Patent # under PBA.

With these governance mechanisms in place the enterprise strategy approaches discussed in the

beginning of this paper can be translated into internal systems as shown below. This is built on the award winning work done for the US Mint on a direct mandate from VP Al Gore. It was also used to rationalize a large number of applications for HR, Finance and complaint handling to lay the foundation for the real-time architecture discussed in the CRM paper at J&J for its 230+ operating companies globally.

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Only with an internal foundation such as described above will IT organizations be able to integrate their organizations products, employees, customers and suppliers into the National Health Information Network using UDEF stds and create the paperless workflows using electronic signatures for medical records and clinical and financial interactions. This is part of the presidential mandate to have EMR for all US Citizens by 2014 and will be able to handle EMR that are generated automatically from monitoring devices connected to Apple iphone etc. It is in alignment with our new President’s priorities in energy, healthcare and education also.

FIRST Robotics and regional entrepreneurial networks such as TIE provide an opportunity for global talent management by having the aging population mentor/transfer their knowledge experience to this younger generation in other parts of the globe. This is imperative for ensuring we have sufficient educated talent through cost effective channels. In return, the younger generation will address the biggest need for the aging population ie rising cost of healthcare and the government mandate for health care IT, green IT and electronic medical records (US has

mandated EMR for all US Citizens by 2014 with a projected annual savings of $160+ billion dollars to corporate America alone). FIRST Robotics (www.usfirst.org) and other entrepreneurship programs for school children (eg Oppenheimer) can be used to get high-school students and colleges across the globe interested in information architecture, biotechnology and entrepreneurship at an early age, and provide them an opportunity for multi-cultural experience in a safe-secure environment by visiting countries like USA that are facing retirement issues using the scouts PTA network. US universities give credit to students who have participated in this program when they apply for admission/scholarship etc. Some of them may go on to find a cure for cancer or an engine that does not pollute, or a solution for global warming. Universities involved with FIRST would be used for academic prototypes. These academic prototypes would be demonstrated through the Open Group UDEF Vendor Challenge, which provides a faster and cheaper alternative to taking ideas and standards from academia to government and industry globally using concepts such as time share and microfinancing. UDEF is the equivalent of a universal language and data translator. It was used

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in a prototype for a emergency response scenario for Hurricane Katrina that involved the US Post Office. It has been adopted by United Nations also. Census metrics such as the US Census statistics for health & wellness of the communities can be used to measure the progress. The work done as part of the UDEF Vendor Challenge would become a critical component of the UDEF UDDI repository. It would provide an opportunity to collaborate with ongoing biotech initiatives between USA universities such as Stanford/MIT and governments of emerging markets with a pool of talent not facing retirement issues, such as India, while taking the internet to the next level for collaboration and innovation in a flat world with a multi-enterprise ecosystem.

It is not the years in the life but the life in the years that matters. (Read “the Secret” by Rhonda Byrne). This will complete the companies requirements for creating an architecture for a agile, real-time company. The diagram shows how companies/countries can then use their central banks for billing and tracking using e-receipts from credit cards, check processing etc and provide a solution to the global financial and healthcare crises that is likely to increase even further when the human

population reaches 10B in the next 40 years..most of that in emerging countries and challenge the very foundations of sustainability on planet. Additional details are provided in the provisional patent Business_On_A_Page dt 9/11/08 built on the Beijing Olympics with the One World theme and Business Plan referenced in the Appendix. It provides example academic prototypes using iphone etc, ongoing work with FIRST/NASA, to create a Richmond 2.0 and preventive healthcare insurance coverage requirements across countries. A healthy person creates a healthy family/organization which creates a healthy economy.

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Appendix

Claim 1: My conceptual blueprints are based on the work that was done to commercialize Unix at the MIT spin-off CTP where I was a founding member and the award winning work done for the US Mint on a direct mandate from VP Al Gore – it was the 1st time that a government agency won an award for customer satisfaction, second only to Mercedes Benz. The UDEF prototypes are based on the academic prototypes for remote blood monitoring done while I was at J&J. They will enable automated medical records for homes, cars, people, plants, pets etc by remotely monitoring air, water, food, blood, credit cards, checks etc and monitor the health & wellness index of states, regions and countries. It will take Internet search to the next level in a multi-enterprise ecosystem. It will also enable the monitoring of the stimulus package in US and green grants in other countries for a fraction of what it costs us today while addressing issues such as the you tube video “Energy efficiency – The world in 2030”

CEO_Fax_3.EA.pdf

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Claim2: My prototype application is based on personal experience after accepting the job of Chief Architect at the FRB while in Princeton, NJ. I accepted this job because my son wanted to be President of USA when he grows up and I’m committed to creating a greener, healthier, safer environment for the next generation. Better mechanisms need to be in place for governance in a real-time organization. They need to ensure that entire organizations/industries/cities do not disappear due to lack of quality and compliance from a single individual or loss of knowledge due to the upcoming baby boomer wave. Electronic signatures, e-receipts, workflows, medical records, financial transactions, wireless remote monitoring are critical components. They can be used for credit rating, rewards and compliance management, financial aid, tax purposes and scenario planning. My prototype application can be used by states for measuring their health & wellness index and countries for measuring the ROI from the stimulus package (in USA) and green grants in other countries. It will ensure that the same level of quality of life and insurance is available in a home/time-share/travel environment as in a work/mfg environment since so many people work from home or while travelling. My ongoing work to create a Richmond 2.0 with FIRST/NASA, Open Group alliance using PTA, YMCA, scouts, alumni TIE networks etc to help reduce the cost of living, while attracting intellectual and financial capital from all over the world also involves Pune/Mumbai in India where Richmond residents were affected in the terrorist incident over last T’giving. Prototype functionality includes billing & tracking of unreimbursed claims and medical history to help reduce the $250 per hour it currently costs the US economy to relocate a sr exec/enterprise architect, including education, healthcare and environmental costs to family. 4 million jobs are slated to be created because of the economic stimulus package. Others shouldn’t go through what my family has been through. My work is based on Thomas Jefferson’s ethical principles and rights that our veterans have fought so hard to protect. Diversity initiatives can be used to achieve these goals. My patents help explain a real-time regulatory architecture that can be used by central banks in various countries and Federal Reserve in USA. A healthy person creates a healthy family/organization which creates a healthy economy.

CEO Fax 8.VEC.pdf Aslam - Relocation Expenses 2.4.xls

Health Insurance Coverage 1.0.doc

2312_W_Grace_St.xls

Bi Directional Governance & Life Cycle Management 2.0 Diagrams

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