2008 - founded as a wholesaler of compensation data and related information
2009 - secured UCLA and other academic institutions as lead clients
2010 - began performing actuarial work for student lenders
2011 - awarded patent (US 8,001,057) for invention of system for indexing the value of labor
2012 - provided web based programs to higher ed, enabling thousands of colleges to obtain
labor market data, on demand
2013 - created EducateToCareer.org, provided web based programs to higher ed, enabling thousands of colleges to obtain
labor market data, on demand
2014 - released the ETC College Rankings Index which furthered the movement to ROI based college planning
2015 - got fired by a large client for publicizing the disastrous outcomes of lending $ to marginal students
2016 - released the ETC College Admissions Probability Program, enabling families to negotiate tuitions with colleges
2017 - provided a quant platform for Income Based Repayment Programs for student lenders to evaluate college outcomes
2018 - began applying concepts from our consumer credit risk modeling to commercial credit. The logic was based on business activity flows from the consumer sector.
2019 - our credit risk analysis convinced at least 5 lenders to avoid income based repayment programs, saving clients $ millions
2020 - reminded clients that inflation is a 'monetary phenomenon' and that
printing/borrowing, regardless of need, would be inflationary.
2021 - developed a Consumer Spending Model showing consumer inflation of 14% in July
2022 - our predictive analytics showed inflation remained high, and would begin impacting discretionary spending
2023 - financial benchmarking products show deteriorating revenue and profits from inflation impacted consumers
2024 - portfolio of credit risk mgmt and economic insights provide reliable forward looking guidance for business and investment planning
2025 - our Predictive Model provides the following estimates
- Continued rise in consumer defaults
- Steep rise in business failures
- Employment losses exceed 300K per month in Q1 and Q2
Without reliable data for making business decisions, you will either be lucky, or wrong.
