2. How Does He Know? Stinky Artichoke Hearts

3. Revenue of $400or < $800? Examples: Dell, Amazon

4. 1.Tesco’s Club Card (15 million members) 2.Other Loyalty Cards 3.Credit Cards 4.Online Purchases

5. $3,000 vs.< $5,500

6. $220 vs. < $300: Pharmaceutical ‘Suites’

7. Network Effect: Increasing Returns (Brian Arthur’s El Faro Bar) Unstable Profit Max

8. 50%

9. THE PYRAMID 8/26/2015Stodder, Sustainability9 The FORTUNE At The Bottom of The Fortune at the Bottom of the Pyramid: Eradicating Poverty Through Profits, C.K. Prahalad, Wharton School Pulbishing, 2005

10. Bottom Heavy on Population 8/26/201510

11. Still Top Heavy on Wealth http://www.worldbank.org/data/databytopic/GDP_PPP.pdf 8/26/201511

12. But Most GDP in 3 rd World Countries is in the Informal Sector Hernando de Soto (“Mystery of Capital”) estimates: 8/26/201512 http://www.nytimes.com/books/first/d/desoto-capital.html

13. Why is Corruption So Much More Taxing Than Tax? Arbitrariness Kills Shang-Jin Wei NBER Working Paper No. 6255 8/26/2015Stodder, Sustainability13 http://www.nber.org/papers/w6255

14. Stodder, Sustainability14 BoP Examples: ICICI (3rd Largest Bank in India) ICICI (3rd Largest Bank in India) – Village Kiosks Johnson & Johnson (#32, Fortune 500) Johnson & Johnson (#32, Fortune 500) – mini shampoos – mini shampoos – low H20 detergent – low H20 detergent Cemex (3rd Largest Manufacturer in World) Cemex (3rd Largest Manufacturer in World) – Patrimonio Hoy – Patrimonio Hoy 8/26/2015

15. Stodder, Sustainability15 Grameen-inspired Micro Finance  Gates, Dell, & Google Foundations - Large Micro Finance initiatives “Millions for Millions”, Connie Bruck, New Yorker, 10/20/06 http://www.newyorker.com/fact/content/articles/061030fa_fact1  Compartamos (Citigroup $70 Million) - 500,000 Customers 8/26/2015  Pierre Omidyar (founder of EBay) - $100 Million Tufts Micro Finance Center - $100 Million Tufts Micro Finance Center

18. Regulation by Law (Europe) Regulation by Scandal (US) Customer Consent, Privacy Promises Anonymizing Data Restricted Levels of Access Two-Way Transparency? (davidbrin.com)