Intermediary Purchasing from the Producer of the Product

Return Steps: The Return steps include activities required to return defective product to the supplier. These activities include the work to deliver the product to the supplier and receive credit for the returned product.

2. Emotional: Segment customers according to the personal emotional needs of the segment.

B. Needs to avoid sources of anxiety

1. Risks in relationship: The customer segment needs reassurance it can trust
Company Capability: Company capability that crosses all products

Function Leader: The company can be counted on to lead the industry in Function innovation

No. SIC Year Note
1 6211 1977 Salomon Brothers and Bank of America Corp. developed the first private mortgage-backed securities – bonds that pooled thousands of mortgages and pass homeowners' payments through to investors – in 1977. A financial engineer at Salomon hired PhDs who developed the collateralized mortgage obligation, which turns pools of 30-year mortgages into collections of 2-, 5-, and 10-year bonds.

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