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Cindy Holden

Cindy Holden
Cindy Holden has been an editor with the Neotrope News Network since 2004, and previously managed news content on Send2Press® Newswire. She is a part time photographer, and was born and raised in California.

Center for Innovation’s 2025 Conference Issues Bold Call to Action: Uniting Advocacy, Policy, and Direct Care Voices to Drive Change |...

ST. LOUIS, Mo. /California Newswire - National News/ -- The Center for Innovation (CFI) announces its 2025 conference this August 11 to 14 at the Hilton St. Louis at the Ballpark. With the theme of "Mobilize the Movement," CFI 2025 brings together The Green House Project and Pioneer Network once again for bold ideas that disrupt outdated models and create a better future in aging services.

Zeteo Biomedical Secures Global Patents for Nasal and Ophthalmic Drug Delivery Device Innovations | National News

CEDAR PARK, Texas /California Newswire - National News/ -- Zeteo Biomedical, a privately held biomedical device company, today announced the issuance of new patents in the United States and European Union for its advanced drug delivery technologies. The patents, titled "Cartridge Devices for Administration of a Medicament" (U.S. Patent No. 12329949) and "Hand-Operated Devices for Administration of a Medicament" (EU Patent No. 3946526), further strengthen Zeteo's ZTech™ delivery platform portfolio for the administration of drugs and biologics via nasal, ophthalmic, and sublingual routes.

Argyle-nCino integration garners industry accolades for reshaping VOIE workflows | National News

NEW YORK CITY, N.Y. /California Newswire - National News/ -- Argyle, a service provider automating income and employment verifications for some of the largest lenders in the United States, today announced that its integration with nCino, a leading provider of intelligent, best-in-class banking and mortgage solutions, has been honored with PROGRESS in Lending's 2025 Connections Award. The award celebrates transformative partnerships and integrations reshaping the mortgage industry through greater efficiency, innovation and collaboration.

RSI & Associates, Inc. Announces Limited Use of Artificial Intelligence (AI) in Business Valuations | National News

CORPUS CHRISTI, Texas /California Newswire - National News/ -- RSI & Associates, Inc., a leading provider of business valuation, feasibility studies and consulting services, today announced a policy of limited and careful application of Artificial Intelligence (AI) in the preparation and analysis of business valuations. This decision is driven by the firm's commitment to maintaining the highest standards of accuracy, reliability, and ethical conduct in its valuation practice, particularly in light of current legal, regulatory, and ethical uncertainties surrounding the use of AI in financial analysis.

Volunteers Donate More Than 10,000 Hours at Lutheran Home: Community Invited to Celebrate at Summer Auxiliary Sale on June 20 |...

ARLINGTON HEIGHTS, Ill. /California Newswire - National News/ -- In a powerful display of generosity and community spirit, the Lutheran Home in Arlington Heights is honoring a remarkable milestone: More than 10,310 hours of volunteer service were logged between April 1, 2024, and April 1, 2025. These contributions reflect the deep commitment of individuals from across the region who dedicate their time and talents to support residents and staff at this long-standing senior living community.

Equipment Upgrades Drive the Food and Beverage New Industrial Planned Projects Growth in May 2025 | National News

JACKSONVILLE, Fla. /California Newswire - National News/ -- Industrial SalesLeads released its May 2025 report on new planned capital project spending within the Food and Beverage industry. The Firm monitors planned industrial activity across North America, including facility expansions, new plant construction, and major equipment modernization projects. Research for the month confirms 43 new projects in the Food and Beverage sector, with equipment upgrades leading the way.

Floify’s Sofia Rossato named to Progress in Lending’s 2025 most powerful women in fintech list | National News

BOULDER, Colo. /California Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced that its president and general manager, Sofia Rossato, has received the 2025 Most Powerful Women in FinTech award from Progress in Lending (PIL). The PIL award is a prestigious, annual recognition celebrating professionals who are innovating, optimizing processes and shaping the future of mortgage finance and broader financial services.

Dark Matter Technologies adds side-by-side results comparison and automated, rules-based reviews to dual AUS feature in the Empower LOS | National...

JACKSONVILLE, Fla. /California Newswire - National News/ -- Dark Matter Technologies (Dark Matter®), an innovative leader in mortgage technology, today announced enhancements to the dual automated underwriting system (AUS) submission feature within the Empower® loan origination system (LOS). When users submit loan data simultaneously to the AUS for both Freddie Mac and Fannie Mae (the government-sponsored enterprises, or GSEs), the Empower LOS will now display the GSEs' respective AUS findings side by side along with rules-based loan recommendations powered by the AIVA® Rules engine.

Author Scott Liebler offers help for these stressful times with ‘The Chill Pill Prescription: Turns Stress to Strength’ | National News

EVERGREEN, Colo. /California Newswire - National News/ -- With the publication of "The Chill Pill Prescription" (IBSN: 978-09982764270), author Scott Liebler synthesizes more than 35 years of successful experience helping people of all ages to better manage their response to stress. His book offers a four-step, martial arts calming technique paired with a three-step processing procedure that, together, transform stress into strength. Interwoven with the instruction is a very personal story from Liebler's own life, which makes the book a more powerful read than one might expect.

Optimal Blue Releases May Data Findings, Announces Expansion of Monthly Report for More Comprehensive Lender Profitability Insights | National News

PLANO, Texas /California Newswire - National News/ -- Optimal Blue today released the May 2025 edition of its now-expanded Market Advantage mortgage data report, which features newly added borrower profile and capital market datasets for a more comprehensive picture of early-stage mortgage activity and loan profitability. The enhancements come at a critical time for mortgage lenders navigating heightened interest rates, tighter margins, increased volatility and deepening affordability challenges.

Legacy Wealth Advisors has once again been named to the Forbes Best-in-State Wealth Management Teams list for 2025 | National News

WARRENVILLE, Ill. /California Newswire - National News/ -- Raymond James Financial Services is pleased to announce that Legacy Wealth Advisors has once again been named to the Forbes Best-in-State Wealth Management Teams list for 2025, marking 3 straight years of recognition in this prestigious national ranking.

iEmergent honored with PROGRESS in Lending’s 2025 Connections Award | National News

DES MOINES, Iowa /California Newswire - National News/ -- iEmergent, a forecasting and advisory services firm for the financial services, mortgage and real estate industries, today announced its selection as a recipient of PROGRESS in Lending's 2025 Connections Award. The recognition honors iEmergent's instrumental role in CONVERGENCE Columbus, a cross-sector initiative led by the Mortgage Bankers Association (MBA) to close the racial homeownership gap in Central Ohio.
Cloudvirga

Cloudvirga honored with PROGRESS in Lending’s 2025 Connections Award | National News

IRVINE, Calif. /California Newswire - National News/ -- Cloudvirga, a leading provider of digital mortgage point-of-sale platforms, today announced it has been named a recipient of PROGRESS in Lending's 2025 Connections Award. The award honors strategic partnerships and integrations that are reshaping the mortgage industry by advancing efficiency, innovation, and collaboration.

CCHR Demands Urgent Reform to Stop Child Abuse in Youth Behavioral Facilities | National News

LOS ANGELES, Calif. /California Newswire - National News/ -- Amid a surge of reported abuse and deaths in psychiatric and behavioral residential programs for youth, the Citizens Commission on Human Rights International (CCHR) is urging immediate and sweeping federal intervention. CCHR warns that continued inaction by state and federal agencies endangers lives and enables a mental health system where vulnerable children and adolescents are subjected to trauma, neglect, and avoidable harm.
Optimal Blue

Optimal Blue Launches New Lead Generation Tool for Originators | National News

PLANO, Texas /California Newswire - National News/ -- Optimal Blue today announced a new product that helps originators efficiently track and identify refinance opportunities so they can reengage borrowers with eligible refinance options at the right time. Available to Optimal Blue PPE users, Capture for Originators dramatically reduces the manual effort loan officers currently spend evaluating refinance potential by automatically analyzing entire portfolios each month and putting recapture opportunities directly into originators' hands.

Atlas Door Repair Expands 24/7 Emergency Services to Serve Commercial Centers Across Florida and Illinois | National News

LAKELAND, Fla. /California Newswire - National News/ -- Atlas Door Repair, a leader in commercial automatic and sliding door repair, announced its 24/7 emergency services across three key markets: Plainfield, Illinois; Lakeland, Florida; and Interlachen, Florida. This move strengthens the company's ability to provide rapid-response door repair for businesses in fast-growing commercial zones that have historically lacked qualified specialists.

InfoComm 2025 in Orlando and Kiosk Association | National News

ORLANDO, Fla. /California Newswire - National News/ -- Come see the Kiosk Association in booth 3489 (InfoComm site). Digital signage software and outdoor smart city wayfinding highlighted along with conversational AI hardware and a self-order kiosk. The "big" demo is a dual 75-inch outdoor smart city kiosk. New digital signage software for multiple platforms and "pixel-perfect" creation on display. We are an association of over 50 companies and 700 listed companies with US, Europe, and Asia chapters.

Mooresville Ford Earns Prestigious President’s Award for Third Consecutive Year | National News

MOORESVILLE, N.C. /California Newswire - National News/ -- Mooresville Ford is proud to announce it has once again received the Ford President's Award, marking the third consecutive year the dealership has earned this distinguished title. Mooresville Ford is the only Ford dealership in the region to receive this award three years in a row, a testament to its unwavering commitment to customer satisfaction and operational excellence.

Edupoint Synergy Named ‘SIS Innovation of the Year’ in 7th Annual EdTech Breakthrough Awards Program | National News

MESA, Ariz. /California Newswire - National News/ -- Edupoint® Educational Systems, creator of the industry-leading Synergy® Education Platform, today announced that Synergy has been selected as the winner of the "SIS Innovation of the Year" award in the 7th annual EdTech Breakthrough Awards program conducted by EdTech Breakthrough, a leading market intelligence organization recognizing the top companies and solutions in the global educational technology market.

Up to 60% Off: HitPaw Father’s Day Sale 2025 to Celebrate Creatively | National News

NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw, a trusted name in AI-powered media solutions, is honoring Father's Day with a special savings event from June 3 to June 20, 2025. HitPaw develops powerful yet easy-to-use AI software for editing videos, enhancing images, transforming audio, and more. This limited-time promotion offers up to 60% off its top creative software, including tools for video, photo, and audio editing.

Simpson Launches Vibrant Minds Program to Promote Cognitive Wellness and Brain Health in Senior Living | National News

PHILADELPHIA, Pa. /California Newswire - National News/ -- As Alzheimer's and Brain Awareness Month begins in June, Simpson, a Pennsylvania regional retirement system that includes Simpson House, Simpson Meadows, and Jenner's Pond, announces the launch of Vibrant Minds, a new program promoting brain health and cognitive wellness. In partnership with Sodexo Seniors, the initiative offers nutrient-rich meals that support cognitive function, along with social dining experiences that encourage connection and independence.

The Accounting Doctor Joins CW7 Arizona and Gateway Academy to Support Underserved Students Through Stuff the Bus 2025 | National News

PHOENIX, Ariz. /California Newswire - National News/ -- The Accounting Doctor is proud to announce its role as a Presenting Sponsor for the 10th Annual Stuff the Bus Back-to-School Drive, a collaborative effort led by CW7 Arizona, in partnership with Desert Financial Credit Union, Valley of the Sun United Way, and this year's featured school partner, Gateway Academy.

CaptainU Relaunches as Stack Athlete, Enhancing the College Sports Recruiting Journey for Athletes | National News

PLANO, Texas /California Newswire - National News/ -- CaptainU, one of the leading online collegiate sports recruiting platforms, announced its relaunch as Stack Athlete on May 20, 2025. This change reflects Stack Athlete's ongoing commitment to empowering high school athletes, parents, and college coaches with the best tools to navigate the recruiting journey, now with an even stronger connection to the Stack Sports family.

ACES Quality Management Champions Commitment to Lending Excellence at ACES ENGAGE 2025 | National News

DENVER, Colo. /California Newswire - National News/ -- ACES Quality Management® (ACES), the leading provider of enterprise quality management and control software for the financial services industry, announced official launch of its "I Stand for Quality" movement during its annual ACES ENGAGE conference, held May 18-20, 2025 at The Broadmoor Hotel in Colorado Springs.

Craig Leabig of Informative Research Named HousingWire 2025 Marketing Leader | National News

GARDEN GROVE, Calif. /California Newswire - National News/ -- nformative Research, a premier technology provider delivering data-driven credit and verification solutions to the lending community, today announced that Senior Vice President of Marketing Craig Leabig has been named a 2025 HousingWire Marketing Leader. This year's award honors 55 professionals reshaping how mortgage and real estate companies engage prospects and accelerate growth. Leabig's strategic leadership has transformed Informative Research's marketing into an engine of innovation and measurable results.

Dark Matter Technologies announces comprehensive eClosing integration for its NOVA LOS platform | National News

JACKSONVILLE, Fla. /California Newswire - National News/ -- Dark Matter Technologies (Dark Matter®), an innovative leader in mortgage technology, announced today that the NOVA loan origination system (LOS) platform now features a comprehensive integration to the eClosing capabilities powered by the Wolters Kluwer eOriginal® ClosingCenter. Designed to improve the mortgage closing process, eClose will help lenders reduce time-to-close, realize cost savings and provide a better borrower experience while also enabling secondary market activities.

HousingWire selects Depth EVP Lindsey Neal as 2025 Marketing Leader | National News

ATLANTA, Ga. /California Newswire - National News/ -- Depth, a leading provider of consultative B2B marketing, public relations and reputation management services for technology companies serving the residential mortgage finance, financial technology (fintech) and regulatory technology (regtech) industries, today announced that Executive Vice President Lindsey Neal has been named a recipient of HousingWire's 2025 Marketing Leaders Award.

At Commencement, The Woodlands at Furman Graduates to ‘Certified University Based Retirement Community (UBRC)’ Status | National News

GREENVILLE, S.C. /California Newswire - National News/ -- The Woodlands at Furman, a 350+ resident senior living community in partnership with Furman University, has met criteria to be recognized as a "Certified University Based Retirement Community (UBRC)," the highest category among more than 85 University Retirement Communities (URCs) nationwide.

Courtney Dodd of Floify named to HousingWire’s 2025 Marketing Leaders list for a second year in a row | National News

BOULDER, Colo. /California Newswire - National News/ -- Floify, the mortgage industry's leading point-of-sale (POS) solution, today announced that Courtney Dodd, head of marketing, has been named to HousingWire's prestigious Marketing Leaders list for 2025. She was also a 2024 Marketing Leaders recipient. The Marketing Leaders award honors the outstanding accomplishments of mortgage and real estate marketing executives who are the visionaries behind the strategies, campaigns and branding efforts that push the industry forward.

CCHR Warns: Millions of Children Exposed to Risky Psychiatric Drugs | National News

LOS ANGELES, Calif. /California Newswire - National News/ -- A federal assessment of children's health has identified the widespread prescribing of psychotropic drugs to U.S. youth as a "public crisis" driven by industry profit motives, flawed science, and systemic conflicts of interest. According to the Citizens Commission on Human Rights International (CCHR), a mental health industry watchdog, this is fueling a psychotropic drug market that reaps $22.6 billion annually.

Kelly Buick GMC receives 25 Year Dealer Award for GMC | National News

LEHIGH VALLEY, Pa. /California Newswire - National News/ -- The Kelly Auto Group is proud to announce that they recently received the 25-Year Dealer Award for GMC for their Buick/GMC dealership in Emmaus. Kelly has had the Buick franchise since 1982 and added GMC in 2000. As the Kelly Auto Group continues to grow, these awards serve as a powerful reminder of the company's mission.

Go Fest Anywhere, Anytime with AnyTo! Win Free Global Tickets & SVIP | National News

NEW YORK, N.Y. /California Newswire - National News/ -- With Volcanion debuting in Osaka on May 29, Pokémon GO Fest 2025 has officially kicked off. Trainers around the world are joining the fun. For those unable to attend in person, iMyFone AnyTo Location Changer is offering a limited-time Go Fest giveaway and exclusive discounts - join now for a chance to win free SVIP, Global Go Fest tickets, and PokéCoins. With AnyTo, you can explore the Pokémon world and enjoy Go Fest 2025 from anywhere.

HitPaw Edimakor Mac V4.0: AI Bilingual Subtitles and Background Remover Elevates Video Creation | National News

NEW YORK, N.Y. /California Newswire - National News/ -- HitPaw Edimakor, a creative software brand known for practical innovation, today announced the launch of Edimakor Mac V4.0, the latest version of its all-in-one video editing tool. This major update introduces AI Bilingual Subtitle Generator and Advanced Video Background Remover, adding to a growing suite of features designed to help creators produce better content with fewer steps.

Click n’ Close Appoints Mortgage Wholesale Veteran Tony Catanese as Regional Sales Manager to Lead East Coast Expansion | National News

ADDISON, Texas /California Newswire - National News/ -- Click n' Close, a multi-state mortgage lender and innovator in third-party origination (TPO), announced Thursday that Tony Catanese has joined the company as regional sales manager. In this role, Catanese will lead the company's wholesale and non-delegated expansion across the East Coast, focusing on building and developing a high-performing sales team.

X-Design Rolls Out New AI Background Generator To Streamline E-commerce Photography Workflow | National News

HAYMARKET, NSW, Australia /California Newswire - National News/ -- X-Design, a leading AI-powered photo editing platform, has introduced its latest innovation in the e-commerce product marketing domain: the AI Background Generator. This new tool is designed to assist e-commerce businesses in upscaling their product photography to save thousands of bills and hundreds of hours.

iToolab AnyGo 50% Off for Easy GPS Spoofing during GO Fest 2025 | National News

NEW YORK, N.Y. /California Newswire - National News/ -- Pokémon GO Fest 2025 features live events in Osaka, Jersey City, and Paris, with a global finale on June 28-29. New Pokémon like Crowned Zacian, Zamazenta, and Volcanion are debuting. Whether you're attending or playing from home, there's plenty to catch. To help you explore event hotspots easily, iToolab AnyGo is now 50% off for GO Fest 2025.

Chicago Seniors Discover Retirement Staycations in Area | National News

OTTAWA, Ill. /California Newswire - National News/ -- As more seniors opt to retire and travel closer to home, senior living communities are responding with innovative Stay-and-See packages to interested retirees. At the center of this trend is Pleasant View, a Life Plan Community in Ottawa, Illinois, a historic river town just 90 minutes from Chicago, which announced an innovative Stay-and-See program to meet the trend of people wanting to retire close to home and experience a community before making a move.

Friday Harbor unveils AI-powered condition engine to deliver faster, cleaner, audit-ready mortgage files | National News

SEATTLE, Wash. /California Newswire - National News/ -- Friday Harbor, an AI-powered platform that helps loan officers assemble complete and compliant loan files in real time, today announced the launch of a retooled condition engine that automatically generates actionable underwriting conditions based on borrower source documents and loan guidelines.

The Big Picture’s June conversations go deep on homeownership access, growth and market risk | National News

CLEVELAND, Ohio /California Newswire - National News/ -- Top mortgage industry webcast The Big Picture, broadcast live every Thursday at 3 p.m. ET, has unveiled its June guest lineup featuring four standout leaders whose insights are redefining housing access, real estate strategy and economic understanding. Co-hosted by mortgage business consultant and executive coach Rich Swerbinsky and capital markets authority Rob Chrisman, author of the widely read Chrisman Commentary newsletter, the webcast delivers timely, thought-provoking conversations with mortgage professionals, innovators and thought leaders.

Swyshare Launches Recordit – A Simple Yet Powerful Screen Recorder Built for All Your Recording Needs | National News

LOS ANGELES, Calif. /California Newswire - National News/ -- Swyshare, a growing innovator in digital creativity tools, today announced the release of Recordit, a simple yet powerful screen recorder designed for users who need fast, efficient, and high-quality screen capture. Whether you're recording online meetings, tutorial videos, gameplay, or presentations, Recordit provides the tools you need in an intuitive, no-fuss interface.

Fake GPS Anywhere: MocPOGO 50% Off for GO Fest 2025 | National News

NEW YORK, N.Y. /California Newswire - National News/ -- Pokémon GO Fest 2025 is lighting up cities like Osaka, Paris, and Jersey City, with rare spawns and global raids fans won't want to miss. Can't travel? No problem. MocPOGO's limited-time offer on its fake location app lets you join the action virtually wherever you are. MocPOGO is a clever Pokémon GO spoofer iOS tool that lets players explore the Pokémon GO world without leaving home.

New Joint and Spine Clinic to Open on Lutheran Home Campus in Arlington Heights | National News

ARLINGTON HEIGHTS, Ill. /California Newswire - National News/ -- Lutheran Home announced the opening of a new Joint and Spine Clinic on its campus, adding to the full spectrum of care and services conveniently offered. The clinic opens in June and provides innovative and interventional treatments for musculoskeletal pain. This first-of-its-kind clinic within a senior living community will offer both evaluations and treatments, eliminating the need for hospital visits for many procedures.

Boris Cepeda releases ‘Andamios,’ a personal journey through Latin American and European piano music | National News

ATLANTA, Ga. /California Newswire - National News/ -- Internationally acclaimed pianist and Steinway Artist Boris Cepeda announces the release of his latest solo album, "Andamios," now available on all major digital platforms. Featuring works by Isaac Albéniz, Maurice Ravel, Astor Piazzolla, Gerardo Guevara and Leonardo Cárdenas, "Andamios" blends Latin American and European musical traditions in a deeply personal and emotionally resonant recording.

Peanut the Squirrel: MAGA’s Cutest Martyr Immortalized in Statue in NYC Art Exhibit | National News

​NEW YORK, N.Y. /California Newswire - National News/ -- A movement's beloved squirrel is being unveiled as a heroic MAGA icon in New York's Chelsea gallery district. In "Opposing Visions: The Trump Era in Art," Peanut the Squirrel is memorialized in a gruesome form as a tiny martyr alongside political titans Elon Musk, RFK Jr., and President Donald Trump, ready to do their bidding for a fantastical third-term campaign, the Iconoclast Room announced today.

Secured Signing Gains Official Approval as Registered Remote Notary Technology Vendor in Indiana | National News

MOUNTAIN VIEW, Calif. /California Newswire - National News/ -- Secured Signing, a leading provider of secure digital signing and online notarization solutions, announced its official registration as a Remote Notary Technology Vendor in the state of Indiana. This significant milestone allows Indiana notaries public to leverage Secured Signing's robust and user-friendly Remote Online Notarization (RON) platform to conduct secure and legally compliant online notarizations for individuals and businesses across the state.

Imgkits Unveils Groundbreaking AI Upgrade, Transforming Image and Video Processing | National News

LOS ANGELES, Calif. /California Newswire - National News/ -- Imgkits, the AI-driven online platform for image and video processing, today announced a major product update that dramatically enhances its creative toolkit. With advanced AI capabilities including face swapping, virtual try-on, and expanded batch processing, the upgrade cements Imgkits' role as a go-to solution for creators, marketers, and designers seeking professional-grade editing without the complexity.

Kelly Auto Group Celebrates Top Dealer Awards for Nissan, Toyota, and Hyundai Dealerships | National News

LEHIGH VALLEY, Pa. /California Newswire - National News/ -- Kelly Auto Group is proud to announce that Kelly Nissan, Kelly Toyota, and Kelly Hyundai of Hamburg have each earned the Top Dealer Award by their respective manufacturers. This prestigious recognition highlights the dedication, performance, and unwavering passion that each store brings to their brand, their customers, and the greater automotive industry.

‘This Is Me!’ – A heartfelt debut novel exploring identity, love, and acceptance in a small Australian town, just in time...

COOMBS, Australian Capital Territory /California Newswire - National News/ -- Released in the lead-up to Pride Month this June, "This Is Me!" (ISBN: 978-1779628541) Book One in the "Finding Ourselves" series by debut author Aspen Thomas, is a moving and timely novel that delves into self-discovery, authenticity, and resilience in the face of societal pressure.

HotDeals Enhances Merchant Page with New Coupons and Deals Details Feature | National News

LOS ANGELES, Calif. /California Newswire - National News/ -- otDeals, the leading online platform for the best discounts and deals, is excited to announce significant updates to its merchant pages, offering users enhanced functionality and more detailed information about ongoing promotions.

SESLOC Credit Union Partners with Dovenmuehle to Enhance Mortgage Servicing for Members | National News

LAKE ZURICH, Ill. /California Newswire - National News/ -- Dovenmuehle Mortgage, Inc. (DMI), a leading mortgage subservicing company, today announced a partnership with SESLOC Credit Union, a not-for-profit financial cooperative serving central and coastal California communities. Under the agreement, DMI will subservice SESLOC's mortgage loan portfolio, supporting the credit union's expansion into government-sponsored enterprise (GSE) lending and servicing, allowing it to scale mortgage operations efficiently while preserving superior member service.

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