Jay Kassing is President of MARQUIS, a Texas based provider of marketing analytics solutions including MCIF/CRM software, MCIF services, profitability, compliance, consulting and direct mail creative/fulfillment. Jay has written 4 books on Marketing/Sales and Big Data…and one on Fair Lending. Request a complimentary copy of any his books at GoMarquis.com. He can be reached at jayk@gomarquis.com.