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  • In recent weeks, the retail industry has been abuzz with speculation that the Future Group was in talks with India's richest man Mukesh Ambani to sell stake in its flagship Big Bazaar hypermarket network

    Kishore Biyani not to sell stake in Big Bazaar & Food Bazaar chains

    By Chaitali Chakravarty

     

    Retail magnate Kishore Biyani said that he is not in talks with anybody to sell stake in Big Bazaar and Food Bazaar chains because his Future Group has sorted out its debt crisis after three back-to-back deals in the past one month.

     

    “We are not in discussions with anybody. I don’t want to divest my core retail business now. I want to run it,” Mr Biyani told ET. “Our debt levels are very comfortable and divestment, if any, will only be in non-core assets,” the Future Group chief said.

     

    In recent weeks, the retail industry has been abuzz with speculation that the Future Group was in talks with India’s richest man Mukesh Ambani to sell stake in its flagship Big Bazaar hypermarket network, which contributes almost 65 per cent of revenues of Pantaloon Retail (India) Ltd, the listed entity of Future Group.

     

    Reliance Industries operates a nationwide network of retail chains under Reliance Retail and Mr Ambani sees this segment as one of the engines of future growth for the conglomerate.

     

    A Reliance Industries spokesman denied any negotiations with Biyani. “We deny that Reliance Industries has ever been in talks with Future Group or Mr Kishore Biyani for any stake sale,” he said.

     

    A person aware of developments in Future Group, however, said Reliance Retail and Future Group had explored the possibility of a partnership about three months ago. But the talks did not proceed because the AV Birla Group moved faster and agreed to buy Pantaloons department chain, helping Future Group improve its precarious financial situation.

     

    “At that time the priority was to bring money into the company and the Pantaloons deal addressed that issue,” the person said.

     

    The Future Group, which has been in an aggressive expansion mode, ran into a crisis with consolidated debt of Rs7,800 crore that weighed on its profitability. Pantaloon Retail has been spending more than Rs100 crore in interest over each of the past three quarters. This started to pinch as consumer spending slowed. That was when Mr Biyani started looking to sell assets to pare debt.

     

    Last month, the Future Group sold a majority stake in Pantaloons department chain to AV Birla Group’s Aditya Birla Nuvo for Rs1,600 crore that included Rs800 crore of debt transfer.

     

    Then, last week, the Future Group announced sale of its 53.67per cent stake in Future Capital Holdings to US-based private equity firm Warburg Pincus for Rs4,250 crore, which included Rs450 crore of cash payout and Rs3,800 crore of debt transfer. Pantaloon Retail also raised Rs 200 crore through a preferential share allotment last week.

     

    “In the past one month, Biyani has managed to reduce his debt by Rs 6,000 crore. Now, he is in no hurry to sell any of his core businesses,” the person close to Future Group said. A senior official of a rival retailer, however, said Mr Biyani will ultimately get a partner for his value chain. “The only question is if he will tie up with an Indian company or wait for foreign direct investment to be allowed in the sector so he can find an international partner,” the person said.

     

    Meanwhile, Mr Biyani plans to sell more non-core assets in a bid to make the Bombay Stock Exchange-listed Pantaloon Retail debt-free by March 2013.

     

    He plans to raise Rs1,650 crore by October by offloading shares in his insurance and stationery joint ventures, the consumer electronics chain and home furnishing network. This would include raising Rs1,000 crore by divesting stake in Future Generali insurance. This will help prune Pantaloon Retail’s standalone debt, which stood at about Rs5,500 crore at the end of March.

     

    The group also plans to shed 40 per cent stake in the electronics retailing business eZone when it merges it with Noida-based InTarvo Technologies, which specialises in providing technical support to large corporations and retailers. InTarvo could not be contacted for comment despite repeated attempts.

     

    Mr Biyani also plans to sell a minority stake in home furnishing and do-it-yourself chain Home Town network for about Rs 300 crore in the next two months.

     

    He said his group’s May deal to cede controlling stake in Pantaloons chain to AV Birla Group was a one-off transaction. The company will only sell minority stakes in any future deals in its core retailing business and will maintain majority stake in such ventures, he said.

     

    Mr Biyani added that he doesn’t want to touch Future Value Retail, which operates Big Bazaar and Food Bazaar, as the group’s debt situation can be controlled.

     

    The only way he wants to touch Big Bazaar is by undertaking some tweaking in the profitable 150-strong chain by introducing improved services and consumer-centric approaches, underscoring with a new tagline ‘Aapki Sewa Mein’ (or, ‘At Your Service’). Big Bazaar is changing its tagline months after it adopted ‘New India’s New Bazaar’.

     

    Source: The Economic Times
    Copyright © 2012, Bennett, Coleman & Co. Ltd. All Rights Reserved

     

  • With this, Airtel mobile customers acrossIndiacan enjoy exclusive access to mobile and video content of soccer matches during UEFA Euro 2012

    Airtel bags exclusive video rights on mobile platform for UEFA Euro 2012

    By A Correspondent

     

    Bharti Airtel recently announced that it has bagged exclusive video rights on the mobile platform for the biggest soccer extravaganza of the year, UEFA Euro 2012. With this, 183 million plus Airtel mobile customers acrossIndiawill have exclusive access to mobile and video content from UEFA Euro 2012 and choose from a wide range of services such as Go! Go! Go! Contest, live feeds, SMS or MMS score updates, games, mobile magazine and so on.

     

    The 2012 UEFA European Football Championship or UEFA Euro 2012 will be held from June 8 to July 1, 2012. Europe’s top 16 soccer teams (including Germany, England and Portugal) will be fighting for the Euro 2012 winner’s title during 19 power-packed matches that will span across 21 days.

     

    The exclusive video rights for UEFA Euro 2012 continues to reinforce Airtel’s long term commitment to soccer and other sports that appeal to discerning urban youth audience.

     

  • An exclusive platform which will honor singers and musicians in various categories who crafted the year's super hit numbers

    92.7 BIG FM announces BIG Tamil Melody Awards 2012

    By A Correspondent

     

    92.7 BIG FM recently announced the BIG Tamil Melody Awards 2012, a platform which will honour singers and musicians in various categories who crafted the year’s super hit numbers. Music directors Bharathwaj and James Vasanthan, along with singer Unnikrishnan will be the jury members for the BIG Tamil Melody Awards 2012.

     

    The Award lineup will have a total of 16 categories of awards. 15 popular categories will be nominated by the jury and thereafter decided by listeners through a multi-media voting campaign. The remaining award will be conferred by the honourable Jury directly.

     

    The radio station has put together a package called the ‘BIG Karaoke Station’ for its listeners who will nominate their musicians of the year not by voting, but by singing the year’s super hit songs.

     

    As an added incentive to its passionate listeners, 92.7 BIG FM has provided them an opportunity to sing along with the top singers and music directors at the BIG Karaoke Station, and the top 5 listeners, selected both on-air and on-ground, will get an opportunity to be mentored by the nominee musicians of the year for the music awards. The winner will sing along with the mentors at the BIG FM Studio.

     

    Renowned singer and actor SP Balasubramanian has been announced as the face of the Awards, which are part of the premier radio station’s national initiative across seven regional markets.

     

  • Wins the digital mandate for RC Cola & social media mandate for Zee TV's 'Phir Subah Hogi'

    Brandlogist wins two new mandates

    By A Correspondent

     

    Brandlogist, a boutique digital branding consultancy, has just won the digital mandate for RC Cola and social media mandate, including aspects such as social platforms, Bloggers program , social@mobile and influencers outreach, for Zee TV’s ‘Phir Subah Hogi’.

     

    For RC Cola the Indian market is literally a challenge with a far smaller market penetration, low awareness and smaller budget. They have decided to approach this challenge with an interesting perspective, taking digital as the primary driving platform and have chosen Brandlogist to help them strategize and execute this strategy.

     

    As Saurabh Parmar CEO, Brandlogist said: “That’s where we come in with an active engagement on the digital medium through which the communication extends to consumers across platforms and mediums.”

     

    Commenting on the reason for choosing Brandlogist, Mohit Khattar, Brand Head, Iceberg Foods Limited said: “It was the company’s strategy to build on a wider consumer base with the involvement of its audience and to create an experiential marketing environment by sharing the heritage and essence of the brand RC Cola.  We as a company were looking for young, creative, fresh and intelligent team who are among our target audience and would represent the sentiments and can draft the likes of the consumers. With Brandlogist we ascertained their passion for work, free flow of ideas and a sense of responsibility.”

     

    Phir Subah Hogi, Brandlogist’s second recent win is Zee’s new prime time show. Looking at the nature of the content, social media plays an important role to connect with people around the cause.

     

    Commenting on the two wins, Mr Parmar said: “It’s been 5 months but the idea of communication strategy which is new age yet not constrained by mediums is definitely having an impact. When we go to a client and say that it’s not about having x number of Facebook likes or people filing in a lead generation form without psycho-graphically analyzing that customer set or even getting a certain number of people to tweet your hashtag, but rather about doing something interesting, relevant enough so that they actually connect with you does raise a few eyebrows but has also got us the right accounts where clients have been perceptive enough.”

     

  • With internet users inIndiaat around 121 million, focus is now to create a solution for travellers to plan travel online

    Innovation is the key to enhance online travel & tourism industry

    By A Correspondent

     

    The online travel & tourism industry is set for unprecedented growth, provided payment and logistic issues are resolved. Speaking at the 4th IAMAI Travel & Tourism Summit, Himanshu Singh, Managing Director, Travelocity India & Chairman, Digital Commerce Committee, IAMAI, said: “The total travel market is around $800 billion and the online share is growing rapidly. Payment and logistics still pose a challenge and success parameter of business is about cracking these problems. These problems that we are facing today have to be countered by all players of the industry together, and this will help the market grow exponentially.”

     

    As per IAMAI ‘Internet Economy Watch’ data, e-ticketing continues to grow with irctc.com recording 5.56 million bookings in April 2012 as compared to 2.26 million bookings in April 2011. Airlines recorded 1.92 million bookings in April 2012, as compared to 1.01 million bookings in April 2011. The data for online travel is based on absolute numbers captured from nine websites.

     

    Speakers at the summit were united in their view that while, at present, group travel is the key to growth, the future will be more for the individual traveller. Sharing her thoughts, Swati Moha, Vice Pesident – Programming & Operations, Fox International, said: “While group travel is in vogue, there is a huge spurt in customized individual travel interests. People are looking for less explored destinations than before and with internet penetration on the rise, the industry is set for robust growth.”

     

    Globally travel & tourism market is pegged at about US$ 800 billion but the online market share has not reached its optimal point. With internet users inIndiaat around 121 million, focus is now to create a solution for travellers to plan travel online. “Innovative marketing strategy coupled with value additions will sway travellers to book hotels and tickets online”, said Devdutta Banerjee, Regional Director – Revenue Management, India, Bangladesh and Nepal, Starwood Hotels & Resorts. He added: “Online is the platform for growth. Integration of logistics and services is necessary to fuel further growth.”

     

  • This is the first BBC Knowledge campaign targeted at parents; the campaign will run across mainstream dailies, magazines, outdoors and digital

    BBC Knowledge launches brand campaign that speaks directly to parents

    By A Correspondent

     

    BBC Knowledge has launched a new campaign -‘There’s no telling what knowledge can do’ – directed at parents. The crux of the campaign hinges on the fact that the magazine – with its focus on science, history and nature – gives the child a head-start in today’s competitive world. It has been timed with the reopening of schools in major metros.

     

    This is the first BBC Knowledge campaign targeted at parents; the campaign will run across mainstream dailies, magazines, outdoors and digital. There will be dedicated parent-child contests run by the magazine for this campaign.

     

    “The campaign, which is targeted at parents, reminds them that knowledge is the only edge they can give their kids. And that it’s not an option, but a prerequisite today, when it has become as important to outdo the competition as it has to outdo yourself ,” said Ayesha Bedi, Creative Group Head, DDB Mudra Group.

     

    Soela Joshi, brand publisher, BBC Knowledge said: “Marketing to parents is much more insight-driven. Parents as central role models have the responsibility to bring knowledge into their children’s life. By targeting parents, we are opening doors for their kids too. ”

     

  • The sooner the fossil ministers of India accept that technology has outsmarted them, the better, writes Anil Thakraney

    Anil Thakraney: You can’t curb the Net, Mr Minister!

    By Anil Thakraney

     

    Do you know what is similar between terrorism and technology? It’s impossible to control either. You can do all you can to put curbs on them, but these folks will eventually find a way to outwit you. We have all heard about how a banned terror outfit in Pakistan simply changed its name and returned (literally) with a bang. The same thing is happening with the movie download sites that were recently blocked. The pirates have changed the site URLs, and are back in roaring action. I am not kidding about this… you can download the latest Bollywood film, Shanghai, which got released only this weekend! Such is the audacity of technology. Which is why this whole ‘site blocking’ business is a bloody sham.

     

    Likewise, you will recall, very recently, the portly Minister of Communications and Information Technology, Shri Kapil Sibal, was threatening to curb the social media. What triggered the mantri’s outrage was not that people where generally misusing freedom of expression, but that some sods had been busy illustrating funny cartoons of his bosses, Soniaji and Manmohanji. So, not law and order, but loyalty seems to be at the core of Sibal’s anger. Well, the debate immediately died down because as Sibal (and everyone else) knows: It’s just not possible to gag technology. It’s seamless and flows like a river across the world, continuously re-inventing itself.

     

    In a sense, I suppose it’s a battle between the old world and the new world. The old worlders, used to living a controlled existence, aren’t able to deal with the rapidly changing world. And the new world, armed with its technology weapon, is determined to smash the shackles the old world is desperate to impose. And this is one battle the oldies are bound to lose. Because technology has outsmarted them. And sooner the fossil ministers of India accept it, the better. Now there’s no going back.

     

    So deal with it, people! This is the new world order. Where videos, opinions, news, cartoons, etc, flow like a smooth stream, across the globe. And no dam will be able to control their movement. The various mantris only make fools out of themselves when they talk about curbs. They should instead spend all their energies monitoring terror activities. Though even there they will find the going very, very difficult.

     

    * * *

     

    PS: Interesting read on which book to rush to when you feel creatively burnt out, and want to throw in the towel. When the ideas aren’t coming. Some of the global ad industry’s best minds tell you which book inspired them and made them start firing on all cylinders all over again.

     

    Link: http://creativity-online.com/news/whats-the-best-book-on-creativity-youve-ever-read/234040

     

     

  • Every week, Deepa Gahlot casts a critical eye over media reviews of Bollywood releases… in Reviewing the Reviews.

    Reviewing the Reviews: Shanghai

    By Deepa Gahlot

     

    Shanghai

    Starring-Emraan Hashmi, Abhay Deol, Kalki Koechlin, Prosenjit Chatterjee

    Produced and Directed by Dibakar Banerjee

    Produced by Ajay Bijli, Sanjeev K Bijli,  Priya Sreedharan

    Screenplay by Dibakar Banerjee & Urmi Juvekar

     

    In what seems to be case of a one-eyed man leading the blind, most critics went totally overboard praising Dibakar Banerjee’s Shanghai.  It cannot be denied that he is one of the most exciting filmmakers in Bollywood today, but remaking a 1969 Costa Gavras film just shows up his film as vastly inferior. Just because it is better than most Hindi films, does not make it a masterpiece that some 4 and 4.5 star ratings have indicated.

     

    Karan Anshuman of Mumbai Mirror led the rah rah pack with 4.5 stars. “I found myself unable to move as the end credits started rolling. Shanghai had surprised and startled. It had me involved, it had me thinking. I had to tell myself that there would be other chances to watch it again. This is what a perfect film does to you,” he gushed.

     

    Aniruddha Guha of DNA gave it 4.5 too and wrote: “Shanghai, Banerjee’s fourth film, is his best. It’s also a very important film, in addition to being consistently engaging and extremely satiating. Why just make a good film, when you have the wherewithal to make a powerful one? A film that can change perception; one that can make a statement, and push the envelope. Shanghai does all of that, and does it well. Banerjee brings together great plot (inspired by Greek writer Vassilis Vassilikos’ political novel, Z) some very good actors and a bunch of able technicians in a movie that clocks just a little under two hours, but occupies your mind for many after.”

     

    Anupama Chopra of Hindustan Times gave it 4 stars and raved: “Shanghai doesn’t provide the comfort of answers or happy endings. But it forces us to ask urgent questions. It is the best Hindi film I’ve seen this year. I strongly urge you to make time for it.”

     

    Madhureeta Mukherjee of the Times of India was slightly subdued with 3.5. “Director, Dibakar Banerjee’s adaptation of Greek writer Vassilis Vassilikos’s book ‘Z’ is impressively Indianized. The story-telling is embossed with naked realism, rawness and brutal honesty. Be it blood stained bodies, close-ups of blackened faces, or ugliness (of body and soul) – he bares it with gut, grit and gore. But it’s not the first time we’ve seen the struggling aam aadmi made scapegoats by mantris who go back to plush seats in their power hubs. It’s not the first time chapters on humanity and morality are shamelessly ripped from political text books. The story is predictable (expect for a few scenes), and the revelations that follow, don’t send shockwaves or make your bellies churn. Yet, reality stings. Sometimes more than the ‘dengue and malaria’ in our very own hinterland.  Whether Shanghai is off-beat or mainstream is debatable, but if you thrive on rustic realistic cinema, however heavy-duty – this is your pick.”

     

    Shubhra Gupta of The Indian Express gave it 3.5 too, but found enough flaws. “Shanghai’ is fashioned as a political thriller, but it could just as well be a strong treatise on how much of today’s India functions. If you have a powerful ‘haath’ on your ‘sar’, as the propulsively small man Pitobash boasts, you can do anything, even knock a living man down and leave him for dead, without a twinge of conscience. Banerjee builds up the layers unerringly, (please note the by-play between the lowering, intimidating senior cop and the wanting-to-do-his-best ‘babu’) assembling a terrific cast that is mostly played to its strengths. Mostly.”

     

    Rajeev Masand of IBN found it watchable, but not great. He gave it 3.5 stars too and wrote: “Dibakar Banerjee’s Shanghai is a crisp, take-no-prisoners drama about seeking justice in the complex landscape of the Indian democracy. The film benefits from the compelling performances of its cast and the director’s sharp eye for detail while narrating a simplistic, and at times, predictable story that traces the inevitable nexus between Indian politics and crime.”

     

    Throwing a spanner into the works with his well aimed criticism is upperstall.com’s blogger who goes by the handle Punjab da Puttar. He nailed it when he snapped: “Shanghai might just be the last straw that broke this camel’s back. It is a sad but well-known fact that we are perfectly ok with mediocrity in this country at every level. An ‘Andhon Mein Kaana Raja’ gets away with being brilliant and repeatedly drives people into raptures simply because everything else is so bad. Shanghai, to me, is a very average film and little else and I feel this even more so because I have watched Z, which, though made by Costa Gavras way back in 1969, is still miles ahead of Shanghai in terms of its cinematic craft and storytelling. Everything Dipakar Banerjee has tried here has been done better in the Costa Gavras film 43 years ago! For those who don’t know, both films are adaptations of the novel Z by Vassilis Vassilikos.”

     

  • Creativeland Asia has been mandated to revamp the advertising of Cinthol

    Creativeland Asia to revamp Cinthol

    From the MxM Infodesk

     

    Creativeland Asia has bagged the creative mandate to revamp Cinthol, one of legendary personal care brands in India. As part of the mandate, Creativeland is required to approach Cinthol with their fresh new thinking while making it relevant for today’s consumer and their needs.

     

    Commenting on this development, Sajan RaJ Kurup, Founder and Creative Chairman, Creativeland Asia said, “Godrej has shown immense faith in Creativeland Asia. Working on Godrej Expert was an interesting challenge and the response from our client-partners has been very encouraging. Taking this partnership ahead, I am excited to work on Cinthol. Right from the 1980s, Cinthol has been an iconic brand. We all remember the days when popular celebrities such as Vinod Khanna endorsed the brand. We need to simply recreate the magic and the stature Cinthol enjoyed in the past.”

     

    Commenting on this development, Sunil Kataria, Head Sales and Marketing Godrej Consumer Products Ltd. said “Creativeland Asia has a fresh and creatively unique approach to brands. Cinthol is an iconic brand with a huge potential. We look forward to a strong association with Creativeland Asia as we work towards unlocking Cinthol’s immense potential.”

     

  • For 24 FMCG companies, the selling expenses as a proportion of net sales stood at 12.1 per cent – the lowest in at least the last ten quarters

    FMCGs saved on advertising cost in the March quarter

    By A Correspondent

     

    FMCG companies managed to rationalize their costs this March quarter. And one of the areas where they have managed to cut corners is the area of advertisement and promotion expenses.

     

    For 24 FMCG companies, the selling expenses as a proportion of net sales stood at 12.1 per cent – the lowest in at least the last ten quarters. This proportion stood at 12.9 per cent in the December quarter, 12.6 per cent in the September quarter and 12.7 per cent in the June quarter. Lower spend on advertising has helped companies to fairly protect and in some cases boost their operating margins. Most companies focussed more on below-the-line marketing activities rather than above the line ones.

     

    HUL has managed to bring down its ad spends by 100 bps from the previous year to 12 per cent of its total domestic sales for the quarter ended March 2012. ITC’s other expenses (comprising its expenditure on advertisement and promotion) stood at 22.6 per cent of net sales – lower than 22.9 per cent in the preceding December quarter.

     

    Another MNC, Colgate spent 8.5 per cent of its revenues on advertising – the lowest in the last four quarters. It spent 16 per cent and above in the first three quarters of this fiscal on advertising and promotion. Marico was one of the few companies whose advertisement and promotion spend was exceptionally higher at 14.3 per cent of its net revenues.

     

    Source: The Economic Times
    Copyright © 2012, Bennett, Coleman & Co. Ltd. All Rights Reserved

     

  • Behind every great commercial is super strategy. Every week, MxMIndia will bring you the brief and the strat as given by the client and whatever else that went into creating a winning ad. AdStrat is compiled by Shubhangi Mehta.

    AdStrat: Fox Movies subtitle campaign

    Santosh Padhi, CCO & Co-Founder, TapRoot India

     

    1. Name of the Campaign: Fox Movies subtitle campaign

     

    2. The Brief:

    English language channels had struck a chord with the audience in non-English speaking markets due to subtitling. Of course, the next sphere of offering was the regional feed. This allowed the English channels to be relevant and come closer to their audience. Thus, this campaign was conceptualized with the brief of making the audience aware that Fox Channel is available inSouth East Asiain regional language.

     

    3. Research insights:

    No research was done as there was a simple thing to communicate.

     

    4. The thought process behind the creative:

    Since we had to communicate that Fox Channel now offers subtitle-free movies, so the product promise is generic, the challenge was how to say it in a way that Fox Channel is on the top of the mind. We thought whatever we say, it has to be entertaining in the first place, which is why one watches movies, hence a humorous approach. Since it was targeted for the Thai audience, the second challenge was not just humour, but very distinctive humour as they are known for their mad humours. We decided to highlight the problem, the whole idea of the campaign or creative device based on simple behaviour of the person who watches movies with subtitles.

     

    5. Media vehicles chosen: TV, Print and Outdoor

     

    6. Key issues kept in mind while executing the ad:

    The ad should be entertaining and fun and humour should be top of the mind.

     

    7. Does the treatment do justice to the brief?

    Yes, it’s bang on to the problem being highlighted to make the point.

     

    8. What according to you is the differentiating factor about the ad?

    Simplicity and humour.

     

    9. Market and client feedback:

    The client loved it. That’s the reason it is on air in Thailand. But it is too early to get a market feed back.

     

  • The older and better established a FMCG brand becomes, the lesser and lesser must it rely on TV, says Ruby Bana

    The Anchor: Ruby Bana on 6 reasons FMCGs need to look beyond TV

    By Ruby Bana

     

    For years I hear again and again from FMCG clients that 90 per cent of our budget goes into TV first, we need to handle that well. Sure we DO! TVCs are what helps us stay in place (unless a brand is a new entrant). TVCs help us maintain SOV, and hence market share by helping remind consumers close to purchase that we are still there. But TV is such a passive medium and consumers are becoming active. They are educated, demanding and skeptical…. So to complete our communication we need to look beyond TVCs

     

    1. Tell the whole story: Nothing does it better than magazines.

     

    2. Immerse the consumers in the brand experience: Nothing does that better than the events.

     

    3. Interact and engage them: Nothing does that better than online website or social networking and consumer forums.

     

    4. Win credibility: Nothing does that better than Socially Responsible Marketing.

     

    5. Become local: Nothing does it better than newspaper or radio.

     

    6. Become part of lifestyle: Nothing does it better than ambient media.

     

    All of these add competitive advantage to our brands and help us get noticed, remembered and enrich our interaction with our consumers. The older and better established a FMCG brand becomes, the lesser and lesser must it rely on TV. It’s a fundamental truth… the strategies/tactics that get us to the top are not necessarily those that keep us there OR help us evolve to the next level.

     

    Ruby Bana is Chief Strategy Officer, Madison