> Most successful CX companies do these things to lift their game
> Steve Towers shares the winning strategies
> Model your own strategy based on leading CX next practices
This article is a build on terrific feedback from my recent piece ‘5 Critical Failures of 80% of Customer Experience initiatives’.
(You can see that here: https://bit.ly/CX5Results)
George Bernard Shaws observation is pertinent
“Success does not consist in never making mistakes but in never making the same one a second time.”
So with that in mind, let’s move beyond the mistakes and uncover the winning strategies and how best we can implement those insightful approaches.
Based on our recent work and research my report from the CX front line should help you rethink your approach in our collective endeavor to get more scientific about the customer experience.
In the earlier article, we identified five major errors and causes of failure. Let’s review how winning CX companies reframe those into successful strategies.
1. Top teams understand CX success and get out of the way of their people to let them get on with it.
To achieve strategic CX success, it is necessary to understand the limitations imposed by industrial-age thinking (getting better at doing the wrong stuff faster, functional specialisms, outdated reward systems) and help the organization migrate to Outside-In thinking and practices. At Zappos, for instance, it is more important to meet the customer (see Zappos hits the road.. http://bit.ly/Zappos2017), gather insights, and provide input to reshape the organization. The top team is actually out there “We want to shake the customers hands, give them really big high fives and meet their friends — delivering happiness and memorable experiences along the way,” said Kristin Richmer, Senior Brand Marketing Manager, Zappos.
The task then is not overlaying the new insights onto an industrial age siloed world. It is actually to reshape the organization, its people, the reward systems, processes and systems to better deliver successful customer outcomes. Tony Hsieh reinforces this feed-forward approach “we actually want to talk with customers more as 70% of our business are repeat buys. Hiding our contact details and making it difficult to talk is not our way” http://bit.ly/TonyHseih
2. Customer needs are understood and developed to create the organizational alignment towards successful customer outcomes.
Leading CX Companies have developed an a-b-c strategy when boiled down includes
(a) stop asking customers what they want
(b) get your head around current customer expectations, and
(c) articulate customer needs even when the customer doesn’t know what they are.
This effort is not a ‘one and done’, it is about continual learning and then the development of services and products that anticipate customer needs rather than following the outdated mantra of those organizations seeking more and more (often meaningless) feedback.
And Disney provides a demonstration of this a-b-c approach.
Consider this:
Disney World Orlando, is about 43 square miles, about twice the size of Manhattan. 30 million guests per year enjoy 4 theme parks: the Magic Kingdom, the Hollywood Studios, Epcot and the Animal Kingdom.
You can navigate to these parks by car, bus, monorail, boats and a ferry depending on your hotel – and that in itself includes over 20 themed for your delight. Coupled with Disneys new wearable “Magic Bands” (see http://bit.ly/MagicBand) you receive a smooth personalized experience where ever you are.
This collection of entertainment is a dynamic living system focused on successful customer outcomes. With digital real-time feedback, Disney offers an integrated experience built around a co-ordinated set of business and customer outcomes, from the time you think of a trip, to the time you are back home with the kids.
3. Being customer-centric isn’t about projects – it is a state of mind.
A great mistake of many is approaching customer experience as an initiative, something with a clearly defined start and end point. Appreciating CX is a state of mind for the whole company is a major differentiator and allows successful organizations to continually tweak and evolve, rather than live in a permanent state of project stop-start crisis. The guiding principle is, at the heart of CX, change is desirable, welcomed and systematic. It impacts everyone and everything all the time.
4. Successful CX transcends measures and implements a rigorous feedback/feed forward framework.
A recent analysis in the banking industry suggested that more than 85% of the total key performance indicators measured outputs – things that get produced from activities.
Successful CX companies however have a very different profile and focus, their attention is on measuring outcomes – the result of what is produced. To these companies this is not a semantic distinction, it underpins the total CX strategy. As a result, the measurement systems are simplified, and the focus on results rather than activity moves the dial towards customer centricity so much more quickly. Programs such as Disneys True North set a direction with supporting metrics, and rather than measure everything that moves they focus on the results and outcomes that need to be delivered to achieve successful customer outcomes. In this context, more than 75% of measures are ‘Outcomes’ with less than 25% outputs.
Test this for yourself in the call center. What are your top ten measurements, are they output-oriented or outcome-based? The former would be things like average handle time, abandon rates, downtime and so on. The latter would be the delivery of customer need, queries completely resolved (not the piece mean partial interim ‘first call resolution’ type things measured with a functional bias).
In summary, CX leaders have fewer measures and the majority are now Outcome-based.
5. CX is both the strategy and the operational objective to overcome needless complexity.
A recent Forrester survey says 81% of CX professionals are mapping experiences from the customer’s perspective, but only 21% are mapping the ecosystem (processes, people, technology). In this context there are two opportunities that successful CX companies exploit:
i. CX can only be successful if you build a complete CX ecosystem map (we call that a CXecomap) which includes cause and effect and connects the people who deliver the customer experience with those people and systems who provide the means for it.
ii. CX Current state crisis. Successful CX companies can clearly articulate the what and how the organization should be doing to deliver great experiences. They do not become mired in the exercise of mapping all the current external and internal processes and systems (which can take years to complete and provides little in the way of direction for what should exist.)
These companies understand the reality that the current structure and systems were never created with excellent CX in mind but were in fact designed around an industrial age, production system based model. Accordingly, next practice is to utilize design principles that envision what should be, and then progressively mature and migrate the organization to that vision.
To conclude CX success doesn’t come from wishful thinking. It is a deliberate and sustained effort to understand and articulate the ever changing customer. To build a new trust with them that goes beyond the platitudes of the past. In the near term it is about becoming more scientific about the customer experience. In the longer term it is a guarantee of business success.
We have codified these CX next practice approaches into the CEMMethod (now version10). You can access that as a resource with others below.
The earlier article can be viewed here: ‘5 Critical Failures of 80% of Customer Experience initiatives’. http://bit.ly/CX2017
An internationally recognized program with proven track record delivered by been there and done it coaches more than 180 times, in 64 cities with delegates from 118 countries.
The program, now in its eleventh year, utilizes the BP Groups approaches and framework to help you and your organization win the triple crown – simultaneously reduce costs, grow revenues and enhance service. Producing Immediate and sustainable business results across any industry and sector.
Executives are struggling. There is a collective fear of the Kodak Moment, where previously established businesses evaporate like the morning mist. This fear is driven by the unsettling realization that the Digital Customer is literally changing everything, and if your business relies on outdated techniques and approaches (you know who you are) then you will indeed experience a rather unpleasant surprise.
Executives are searching. Then there is the good news that online conferences, seminars, and workshops are full to overflowing with questful people looking for the answer. That’s good, however, 90% of what they hear and see is simply putting ‘lipstick on a pig’. It is the same old same old adopting fancy language and claiming salvation -if you would just follow the script and suspend your fear, uncertainty and doubt.
Executives are frustrated. The foolhardy keep hoping that doing the same thing faster will produce a different result. Isn’t that the definition of insanity? Meanwhile inexperienced youngbloods advocate revolution and change, without fully comprehending how the future is actually, pragmatically going to work. But there might be hope for some.
Executives (increasingly) are getting it. There are some refreshing conversations driven by leaders who are guiding their people, customers and shareholders to higher ground and safety. They are building new capability and bringing a far sight vision into today’s reality.
The challenge? How do you engage with the enlightened and get with the survivors, nay the thrivers, for the next decade? Well, not surprisingly that is what many of my talks and work with global leading companies are all about. So when one of the most successful CEO’s challenged me to write something that would light the fire of those still gripped by fear I stepped up. Watch the two minute video and download the FREE book , and then join us on the journey.
Yesterday someone asked me why was I publishing all the FREE material?
Well, in my line of work I am so often asked ‘who is the best person to watch on youtube about y?’ and of course each of us has our go-to person or people that we always mention. Terrific speakers and storytellers alike but I wanted to go one step further and collate some favourites. But then can it just be my opinion (as good as that could be?). No.
So I have scoured the web for the organisations who take time to run Awards programs and pass on that information for broader consumption. You could of course just go on Youtube and search for hours (and days) but these Tiptop Influencer lists make short work of that.
Enjoy.
Each day this week we will feature TipTop Influencers from different walks of life and business. I would be interested in knowing what and who your favourites are!
We all know times are difficult so I wanted to use the current challenges of many of us in self-isolation to our collective advantage and launch a spiffy online series of sessions focused on the very latest ‘Next practices’ to complement your customer experience/process certification.
For the first time ever, I’ll be teaching Outside-In 2020 Vision Workshop starting soon with SIX sessions over SIX weeks, and then a Bonus seventh session.
This training will be held online in a live weekly interactive video class. You’ll get your questions answered, see live-action, and practice with others. Each week will be about 3 hours.
If you’ve already found value in customer experience and process thinking, and want to go farther, I hope you join these sessions.
DATES for the Six LIVE Sessions
(and timezones)
South Africa – Register Here Now >> Monday: April 6, 13, 20, 27 May 4, 11 <<
Australasia – Register Here Now >> Tuesday: April 7, 14, 21, 28 May 5, 12 <<
USA – Register Here Now >> Wednesday April 8, 15, 22, 29 May 6, 13 <<
Europe – Register Here Now >> Thursday April 9, 16, 23, 30 May 7, 14 <<
PRICES Session One Only (to test if this works for you) USD 97 AUD EURO Session 1-6 (early bird) USD 297 AUD EURO Session 1-6 USD 597 AUD EURO
Explore Deeper Outside-In
This will be an opportunity for people already using the CEMMethod to go farther and to systematically explore significant areas of process and customer experience transformation. Working together as a group we can learn from and be inspired by each other, as well as gain from Steve’s experience.
We will learn…
New Outside-In principles.
New methods and formats.
Learn more about advanced Outside-In practices.
How to deal with challenges we’ve encountered – in our own work and with the people in our organisations.
Learn and begin to deploy the Outside-In Customer Performance Landscape. This is a powerful tool that literally connects the dots of everyone and everything an enterprise does.
How to integrate the different approaches and formats into a single approach.
Woven into the teaching, we’ll have the opportunity to explore unexpected aspects of Outside-In and the CEMMethod as they emerge.
Because this work is operating on a different level than most of us are accustomed to, frequently small (or big) “misunderstandings” on the part of the unconscious mind can hold us back — until our system “gets it.” We will explore how to identify these “misunderstandings” and how to create new insights and “aha” moments. DATES for the Six LIVE Sessions (and timezones)
South Africa – Register Here Now >> Monday: April 6, 13, 20, 27 May 4, 11 <<
Australasia – Register Here Now >> Tuesday: April 7, 14, 21, 28 May 5, 12 <<
USA – Register Here Now >> Wednesday April 8, 15, 22, 29 May 6, 13 <<
Europe – Register Here Now >> Thursday April 9, 16, 23, 30 May 7, 14 <<
My personal interest in teaching this
From my experience so far, I believe thinking and practising Outside-In has the potential to guide each of us individually on a path that is transformative. And because it brings more wisdom, clarity, compassion, and humour, it can bring needed healing and transformation to our world.
I would like to support those wanting this deep transformation, and those wanting to coach others, to have the skills and experience that will make this possible. That’s the purpose of this Advanced Outside-In Training for 2020.
I’ll be including as much as I can fit in of what I’ve learned over the past two decades exploring this work in my own life.
Live Online Video Training
This will be an online course, so you can participate from any location. We’ll have interactive video, so it will be much like in-person training — except you won’t have any travel costs.
A big benefit from this course will be participating in the paired exercises with coaching available. Each exercise will take us into different Outside-In territory.
Training Dates & Times
We’ll meet approximately 3 hours, once a week, for 6 sessions. After the training, there will be a bonus coaching session to help integrate the learning. DATES for the Six LIVE Sessions (and timezones)
South Africa – Register Here Now >> Monday: April 6, 13, 20, 27 May 4, 11 <<
Australasia – Register Here Now >> Tuesday: April 7, 14, 21, 28 May 5, 12 <<
USA – Register Here Now >> Wednesday April 8, 15, 22, 29 May 6, 13 <<
Europe – Register Here Now >> Thursday April 9, 16, 23, 30 May 7, 14 <<
PRICES Session One Only (to test if this works for you) USD 97 AUD EURO Session 1-6 (early bird) USD 297 AUD EURO Session 1-6 USD 597 AUD EURO
How this Online Training Works
The training will happen online through Zoom.
This will be an extended training, meeting approximately 3 hours, once a week, for 6 sessions. Each session we’ll learn at least one new format. As with the live training, I’ll demonstrate each new method, you’ll be able to practice each method, and we’ll have time for discussion afterwards.
We’ll be able to include everyone’s video feed so that we can see and hear each other. When I’m talking you’ll see and hear me. Then when I do a demonstration, you’ll be able to see me and the work I am doing. When there’s a discussion, we’ll be able to see who is sharing.
We’ll be able to do exercises in pairs, by using Zoom’s “room” feature. Each pair will have their own “video room” to do the exercise, and you’ll be able to raise your hand and call me into your room if you want coaching assistance. Once the exercise is done we’ll return to the meeting as a group.
Recordings You Can Review Each training session will be recorded, and you’ll have the opportunity to view the recording as many times as you like in between sessions. If you have to miss a session, you can catch up by viewing the video. The recordings will remain available (to training participants only), until 2 weeks after the last training session.
Extra Support Included in this training, I’m offering a follow-up group coaching session, (meeting online and recorded), just for participants in this training. The intention of this coaching session is to support you in integrating your new learnings about Outside-In, in your life and your ongoing practice. You’ll be able to share how things are going and ask questions about challenges, or anything else.
Who is Eligible If you’ve already found value in customer experience, process thinking or Outside-In, and want to go farther, I do hope you will join us on this exciting journey. Of course, if you have gone on further to become a Master or Champion this training will help you be even more effective. Check with us if you have any questions.
DATES for the Six LIVE Sessions (and timezones)
South Africa – Register Here Now >> Monday: April 6, 13, 20, 27 May 4, 11 <<
Australasia – Register Here Now >> Tuesday: April 7, 14, 21, 28 May 5, 12 <<
USA – Register Here Now >> Wednesday April 8, 15, 22, 29 May 6, 13 <<
Europe – Register Here Now >> Thursday April 9, 16, 23, 30 May 7, 14 <<
PRICES Session One Only (to test if this works for you) USD 97 AUD EURO Session 1-6 (early bird) USD 297 AUD EURO Session 1-6 USD 597 AUD EURO
Technical Requirements To participate you’ll need access to the internet, and have a computer or laptop with a webcam. We’ll ask you to participate in a very brief set up a meeting ahead of time, to make sure you can log into the meeting successfully.
Investment: $297 EARLY BIRD – $597 FULL PRICE – Register Here Now This includes…
the online course of 6 sessions,
the 1 follow-up coaching session, and
access to video recordings during the training period
an advanced copy of my new book ‘Outside-In 2020 vision’
access to a dedicated and exclusive WhatsApp Outside-In group
certification and accreditation
lifetime access to The Experience Manager
Because this is an extended training, after each session if you have suggestions or questions you’d like me to address at the next meeting, you can email or WhatsApp them to me.
DATES for the Six LIVE Sessions (and timezones)
South Africa – Register Here Now >> Monday: April 6, 13, 20, 27 May 4, 11 <<
Australasia – Register Here Now >> Tuesday: April 7, 14, 21, 28 May 5, 12 <<
USA – Register Here Now >> Wednesday April 8, 15, 22, 29 May 6, 13 <<
Europe – Register Here Now >> Thursday April 9, 16, 23, 30 May 7, 14 <<
PRICES Session One Only (to test if this works for you) USD 97 AUD EURO Session 1-6 (early bird) USD 297 AUD EURO Session 1-6 USD 597 AUD EURO
Group Size: We’ll be limiting the group size, so register soon if you want to be sure to have a seat at the ONLINE table.
If you’ve already found value in Customer Experience, Process Management or Outside-In, and want to go farther, I hope you join this training.
I am very much looking forward to it and meeting with you soon,
I’m a real sucker for great new tips, techniques, tools, shortcuts, “hacks” and other quick ways of getting better results from our processes and customer experiences.
But
the truth is that the big wins don’t come from tips or tricks.
They
come from getting the
fundamentals right. Again and again.
Fundamentals
like really understanding your customers (internal and external) so your
products and services are what they need (not just what you think they want).
Fundamentals like having understanding the successful customer outcomes before you ever meet or work with them, so your processes and experiences build credibility and trust quickly.
Fundamentals like follow-up and nurturing your relationships so they are top of the priorities when your customers need to change things.
Fundamentals like being able to “meet” face to face, on the phone, or via a webinar or web page (and by “meet”, I mean help a customer get the best from their experiences and processes, understand their problems, the potential solutions, and decide how to change things to meet ever-changing needs).
Master the fundamentals and the little tips and tricks will improve your results even further.
Get
the fundamentals wrong and all the tips, tricks or clever techniques in the
world won’t hurt.
–
Steve
PS
If you’d like to get my very best training, insights and personal support to
help you align your processes and experiences for all your customers (internal
and external), why not join me for my new ONLINE training program? Click here for more details.
Jeff Bezos encourages us to become Customer Obsessed (see video snippet) however Netflix’s journey to CX Obsession is less well known.
Here is an extract from a great article (link below):
From Gibson Biddle, former VP at Netflix and CPO at Chegg In 2005, as I joined Netflix as VP of Product, I asked Reed Hastings, the CEO, what he hoped his legacy would be. His answer: “Consumer science.” He explained, “Leaders like Steve Jobs have a sense of style and what customers seek, but I don’t. We need consumer science to get there.”
Reed’s aspiration was that the Netflix team would discover what delights customers through the scientific process. Forming hypotheses through existing data, qualitative, and surveys, and then A/B testing these ideas to see what works. His vision was that product leaders at Netflix would develop remarkable consumer insight, fueled by results and learning from thousands of experiments.
During my time at Netflix, and later at my next startup, Chegg, I learned to move from customer focus to customer obsession. In doing so embraced Reed’s notion of consumer science. Here’s how I think about the transition:
The full article here is great testimony to moving away from the soft and fluffy version of Customer Experience. Let’s get more scientific about Customer Experience.
A STRUCTURED step by step GUIDE to understanding and acting on REAL Customer Needs. This webinar features the rarest alchemy of converting customer experiences into precious metal.
Steve Towers walks you through a case-study in the creation of two pivotal tools, the Outside-In Strategic Matrix (OISM) and the Successful Customer Outcome Canvas (SCOC).
And then… When you have the SECRETS I will then introduce you to the Accredited Customer Experience Masters (ACXM) program. The global certified qualification in 116 countries!
It is good to have a guide in life. Many of us share political creeds, religious beliefs and codes of honor to guide our decision making. Wouldn’t it be crazy good to have the same for the doctrine of Customer Experience? When I co-authored the best selling book “CEM Success without Exception” back in 2006 Customer Experience Management was in its infancy.
Now thirteen years later we have the accumulated wisdom of the giants of Customer Experience Management, proof that focus on Successful Customer Outcomes, Outside-In and working backwards are fundamental to becoming a winning organization.
It is with these thoughts in mind and the worthy experience of many that I set pen to paper to craft these tenets as guidelines for all of us seeking to maximise our deployment of Customer Experience Management.
1. Customers are first, front and center for everything.
Understanding that all the work an organization undertakes ultimately stems from a customer interaction is key. Work to engineer every experience to the optimum.
2. Listen to the questions customers ask you.
Resist the subjective ‘voice of customer’ surveys (they are biased and unrepresentative) and focus on understanding and articulating needs – the Needs of the Customer.
3. Stop selling and let people buy.
Customers are now prosumers and most know what they want and how to get it. You will not win them if you force sell; in fact, you will make enemies of them.
4. Map the Complete Experience.
This is both the stuff the customer sees (the customer journey and the brand promise) and the work that takes place across the rest of the organization to support all interactions. Combine those the Employee Experience and the Customer Experience you are nearing the Complete Experience; these are not separate things but should be viewed through the same lens.
The CEMMethod.com can help you in seeing the Complete Experience.
Customers develop trust when you say what’ll you do, and then do what you say. Conversely, do not project yourself as something you are not.
6. Be consistent and truthful across all your channels.
Customers will interact in ways and times that suit them, so ensure you keep a coherent message across all experiences.
7. Act on People liking people.
Do not hide behind automation, whether that is voice systems, web interactions or even text messaging. The most intimate relationships are formed with people, not computers.
Keep in front of the song.
8. Creating memorable experiences requires anticipation and coordination.
Fix problems before they happen, and when problems do arise (they will) pull out the stops to put things right.
9. Design every customer experience for the category of customer.
You should never ever treat all customers in the same way. Personalization and direct communication are proven winners in an era of standardization.
10. Employees are your first customers.
If they ain’t happy your paying customers won’t be either. Treat your people well and let them know they are the most critical part of the brand and the complete customer experience.
”Let’s not beat around the bush… Customer experience is the new battleground. At The Experience Manager, BP Group, and Rockstar.cx we know the art of this new war. We have the tools, the technology and the strategies to remorselessly create victories for our clients as we build a more customer-centric world, one experience and one enterprise at a time”.
Steve Towers
Join us for Complete Experience Management with coaching, training, consultancy and Certification at www.bpgroup.org
If you are looking for Innovative leadership then this will inspire you onwards and upwards. Shared by one of South Africa’s most progressive business leaders, Roland Naidoo:
Having just left the football field with my 5 year old son I was finally motivated to write this blog. Why? Trying to teach him to kick the football in the correct way, it dawned on me in that moment I was doing to him what every organised structure is designed to do.
As I caught myself I paused, looked at him and said, “My boy, you figure it out, play, have fun, and find new ways to kick a football.”
Be the doctrine of the how and the why.
Be the standard of the where and the when.
Be the one and only way.
Have the right answers!
New Realisation
The dawning of that realisation underpins why innovation is so important to me. Innovation should by definition not be defined Ior it will simply succumb to every other conformity we know. It should live in every one of us.
This is the need to ask ourselves ‘why?’. Why am I doing this in this way? Is there a better way? Is there a different way? Is there even a need for this at all?
A spirit of innovation is not technology or wonderfully bombastic ideas, but the courage to question our education, rules, bonafide truths and all so-called absolutes in between. Know that your bravery will be rewarded with knowledge; am I. Know you were courageous enough to acknowledge you were wrong and move forward.
In the future when you find yourself saying or even thinking thoughts like this is how it’s always been; this is the way we do things; there is no other way; this is impossible; these are the rules; some things can’t be questioned, stop, take a breath, and find a new way to kick a football.
Roland
Footnote (from Steve)
So go find that ball and a new way to score for your team!
I was keynoting a conference in Europe recently, and senior executives in the room were getting the rationale behind moving Outside-In. However, there seemed to be two perplexed groups in the place.
One was what a refer to as the ‘traditional process guys’, and the other ‘the customer is first people’, and interestingly they both asked the same question “Where do we start?”
My honest and most direct answer is “You do not have a choice. You have got to start where you are and go from there!” OK, I get what you’re thinking, how could they take that away and begin to transform their organizations?
So, I walked them through TWO distinctly different ways to navigate to Outside-In working and practice, depending on your mindset, enterprise history and maturity. For the two categories of customer in the room, the NEEDS are the same, just the way they navigate to achieving them is different.
What are the Results?
From a results perspective, both approaches focus on winning the triple crown, that is Improving Service, Growing Revenues and Reducing Complexity (and hence lowering costs).
Approach
Process Engineering
Customer First
Focus
Process is the starting point
Starts with Customer Needs
Scope
Reengineering the Processes
Aligning everything to Customer Needs
Intention
Build out from Process to Department to Division to Enterprise
Articulate Successful Customer Outcomes and Remove the complexity of things that do not contribute to it
Benefits
Local wins building to business-wide transformation
Immediate delivery against Triple Crown benefits
Executive Buy-in
Slow burn, however when they see the benefits and ‘get it’ the support is significant
Starts at the strategic level so influences everything the organization does
Recommendation
If your remit is just ‘improving processes’ this approach will get you their steadily, however, the challenges facing traditional business are seismic so is there time? So, make immediate gains but push hard for more quickly.
By demonstrating the value of ‘customer first’ in terms of the triple crown the enterprise can align quickly and effectively. Importantly avoid the ‘soft and fluffy’ sentiments expressed by many in the customer experience world.
How can I Implement?
Back in 2006 the BPG launched the CEMMethod™ and built out an approach, using the 50+ techniques based on global next practice from companies like Virgin, Zara, BMW, Zappos, Apple and Emirates. Since then more than 3,000 companies in 116 countries have become accredited and certified to transform their processes and organizations.
Now in version 11, the choice you make in deployment is based on your ambition and remit within the enterprise. If you are a leader needing to embrace the digital customer ‘Customer First’ leaps out as the main option. Alternatively, if you are in a traditional process-based business (lean, six sigma, BPM etc.) the more conservative ‘process engineering’ approach may be preferred.
You can access the following resources that will help you make an informed choice: