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Business intelligence

Business Intelligence (BI) comprises the set of strate- Denormalization, tagging and standardization
gies, processes, applications, data, technologies and tech-
nical architectures which are used by enterprises to Realtime reporting with analytical alert
support the collection, data analysis, presentation and A method of interfacing with unstructured data
dissemination of business information.[1] BI technolo- sources
gies provide historical, current and predictive views of
business operations. Common functions of business in- Group consolidation, budgeting and rolling forecasts
telligence technologies include reporting, online analyt-
ical processing, analytics, data mining, process mining, Statistical inference and probabilistic simulation
complex event processing, business performance man- Key performance indicators optimization
agement, benchmarking, text mining, predictive analyt-
ics and prescriptive analytics. BI technologies can han- Version control and process management
dle large amounts of structured and sometimes unstruc-
tured data to help identify, develop and otherwise create Open item management
new strategic business opportunities. They aim to allow
for the easy interpretation of these big data. Identifying
new opportunities and implementing an eective strategy 2 History
based on insights can provide businesses with a competi-
tive market advantage and long-term stability.[2] The earliest known use of the term Business Intelli-
Business intelligence can be used by enterprises to sup- gence is in Richard Millar Devens in the Cyclopdia
port a wide range of business decisions - ranging from of Commercial and Business Anecdotes from 1865. De-
operational to strategic. Basic operating decisions include vens used the term to describe how the banker, Sir Henry
product positioning or pricing. Strategic business deci- Furnese, gained prot by receiving and acting upon infor-
sions involve priorities, goals and directions at the broad- mation about his environment, prior to his competitors.
est level. In all cases, BI is most eective when it com- Throughout Holland, Flanders, France, and Germany,
bines data derived from the market in which a company he maintained a complete and perfect train of business in-
operates (external data) with data from company sources telligence. The news of the many battles fought was thus
internal to the business such as nancial and operations received rst by him, and the fall of Namur added to his
data (internal data). When combined, external and inter- prots, owing to his early receipt of the news. (Devens,
nal data can provide a more complete picture which, in (1865), p. 210). The ability to collect and react accord-
eect, creates an intelligence that cannot be derived by ingly based on the information retrieved, an ability that
[6]
any singular set of data.[3] Amongst myriad uses, busi- Furnese excelled in, is today still at the very heart of BI.
ness intelligence tools empower organizations to gain in- In a 1958 article, IBM researcher Hans Peter Luhn used
sight into new markets, to assess demand and suitability the term business intelligence. He employed the Web-
of products and services for dierent market segments sters dictionary denition of intelligence: the ability
and to gauge the impact of marketing eorts.[4] to apprehend the interrelationships of presented facts in
Often BI applications use data gathered from a data ware- such a way as to guide action towards a desired goal.[7]
house (DW) or from a data mart, and the concepts of BI Business intelligence as it is understood today is said to
and DW combine as "BI/DW"[5] or as "BIDW". A data have evolved from the decision support systems (DSS)
warehouse contains a copy of analytical data that facili- that began in the 1960s and developed throughout the
tates decision support. mid-1980s. DSS originated in the computer-aided mod-
els created to assist with decision making and planning.
From DSS, data warehouses, Executive Information Sys-
1 Components tems, OLAP and business intelligence came into focus
beginning in the late 80s.
Business intelligence is made up of an increasing number In 1989, Howard Dresner (later a Gartner analyst) pro-
of components including: posed business intelligence as an umbrella term to de-
scribe concepts and methods to improve business de-
Multidimensional aggregation and allocation cision making by using fact-based support systems.[8]

1
2 6 APPLICATIONS IN AN ENTERPRISE

It was not until the late 1990s that this usage was denitions.[14] One denition contrasts the two, stating
widespread.[9] that the term business intelligence refers to collecting
Critics see BI as evolved from mere business reporting to- business data to nd information primarily through ask-
gether with the advent of increasingly powerful and easy- ing questions, reporting, and online analytical processes.
to-use data analysis tools. In this respect it has also been Business analytics, on the other hand, uses statistical and
criticized as a marketing buzzword in the context of the quantitative
[15]
tools for explanatory and predictive mod-
"big data" surge. [10] elling.
In an alternate denition, Thomas Davenport, professor
of information technology and management at Babson
3 Data warehousing College argues that business intelligence should be di-
vided into querying, reporting, Online analytical process-
ing (OLAP), an alerts tool, and business analytics. In
To distinguish between the concepts of business intelli-
this denition, business analytics is the subset of BI fo-
gence and data warehouses, Forrester Research denes
cusing on statistics, prediction, and optimization, rather
business intelligence in one of two ways:
than the reporting functionality.[16]
1. Using a broad denition: Business Intelligence
is a set of methodologies, processes, architec-
tures, and technologies that transform raw data into 6 Applications in an enterprise
meaningful and useful information used to enable
more eective strategic, tactical, and operational in- Business intelligence can be applied to the following busi-
sights and decision-making.[11] Under this deni- ness purposes, in order to drive business value.
tion, business intelligence also includes technologies
such as data integration, data quality, data warehous- 1. Measurement program that creates a hierarchy
ing, master-data management, text- and content- of performance metrics (see also Metrics Refer-
analytics, and many others that the market some- ence Model) and benchmarking that informs busi-
times lumps into the "Information Management" ness leaders about progress towards business goals
segment. Therefore, Forrester refers to data prepa- (business process management).
ration and data usage as two separate but closely
linked segments of the business-intelligence archi- 2. Analytics program that builds quantitative pro-
tectural stack. cesses for a business to arrive at optimal deci-
sions and to perform business knowledge discovery.
2. Forrester denes the narrower business-intelligence
Frequently involves: data mining, process mining,
market as, "...referring to just the top layers of the BI
statistical analysis, predictive analytics, predictive
architectural stack such as reporting, analytics and
[12] modeling, business process modeling, data lineage,
dashboards.
complex event processing and prescriptive analytics.

3. Reporting/enterprise reporting program that


4 Comparison with competitive in- builds infrastructure for strategic reporting to serve
the strategic management of a business, not opera-
telligence tional reporting. Frequently involves data visualiza-
tion, executive information system and OLAP.
Though the term business intelligence is sometimes a
synonym for competitive intelligence (because they both 4. Collaboration/collaboration platform program that
support decision making), BI uses technologies, pro- gets dierent areas (both inside and outside the busi-
cesses, and applications to analyze mostly internal, struc- ness) to work together through data sharing and
tured data and business processes while competitive in- electronic data interchange.
telligence gathers, analyzes and disseminates information
with a topical focus on company competitors. If under- 5. Knowledge management program to make the
stood broadly, business intelligence can include the subset company data-driven through strategies and prac-
of competitive intelligence.[13] tices to identify, create, represent, distribute, and
enable adoption of insights and experiences that are
true business knowledge. Knowledge management
leads to learning management and regulatory com-
5 Comparison with business ana- pliance.
lytics
In addition to the above, business intelligence can provide
Business intelligence and business analytics are some- a pro-active approach, such as alert functionality that im-
times used interchangeably, but there are alternate mediately noties the end-user if certain conditions are
8.1 Business sponsorship 3

met. For example, if some business metric exceeds a 8.1 Business sponsorship
pre-dened threshold, the metric will be highlighted in
standard reports, and the business analyst may be alerted The commitment and sponsorship of senior management
via e-mail or another monitoring service. This end-to- is according to Kimball et al., the most important criteria
end process requires data governance, which should be for assessment.[22] This is because having strong manage-
handled by the expert. ment backing helps overcome shortcomings elsewhere in
the project. However, as Kimball et al. state: even the
most elegantly designed DW/BI system cannot overcome
a lack of business [management] sponsorship.[23]
7 Prioritization of projects
It is important that personnel who participate in the
project have a vision and an idea of the benets and draw-
It can be dicult to provide a positive business case for backs of implementing a BI system. The best business
business intelligence initiatives, and often the projects sponsor should have organizational clout and should be
must be prioritized through strategic initiatives. BI well connected within the organization. It is ideal that the
projects can attain higher prioritization within the orga- business sponsor is demanding but also able to be realis-
nization if managers consider the following: tic and supportive if the implementation runs into delays
or drawbacks. The management sponsor also needs to
As described by Kimball[17] the BI manager must be able to assume accountability and to take responsibil-
determine the tangible benets such as eliminated ity for failures and setbacks on the project. Support from
cost of producing legacy reports. multiple members of the management ensures the project
does not fail if one person leaves the steering group. How-
ever, having many managers work together on the project
Data access for the entire organization must be
can also mean that there are several dierent interests that
enforced.[18] In this way even a small benet, such
attempt to pull the project in dierent directions, such as
as a few minutes saved, makes a dierence when
if dierent departments want to put more emphasis on
multiplied by the number of employees in the entire
their usage. This issue can be countered by an early and
organization.
specic analysis of the business areas that benet the most
from the implementation. All stakeholders in the project
As described by Ross, Weil & Roberson for En-
should participate in this analysis in order for them to feel
terprise Architecture,[19] managers should also con-
invested in the project and to nd common ground.
sider letting the BI project be driven by other busi-
ness initiatives with excellent business cases. To Another management problem that may be encountered
support this approach, the organization must have before the start of an implementation is an overly aggres-
enterprise architects who can identify suitable busi- sive business sponsor. Problems of scope creep occur
ness projects. when the sponsor requests data sets that were not spec-
ied in the original planning phase.
Using a structured and quantitative methodology to
create defensible prioritization in line with the ac-
tual needs of the organization, such as a weighted 8.2 Business needs
decision matrix.[20]
Because of the close relationship with senior manage-
ment, another critical thing that must be assessed before
the project begins is whether or not there is a business
8 Success factors of implementa- need and whether there [24] is a clear business benet by do-
ing the implementation. The needs and benets of the
tion implementation are sometimes driven by competition and
the need to gain an advantage in the market. Another rea-
According to Kimball et al., there are three critical areas son for a business-driven approach to implementation of
that organizations should assess before getting ready to do BI is the acquisition of other organizations that enlarge
a BI project:[21] the original organization it can sometimes be benecial to
implement DW or BI in order to create more oversight.
1. The level of commitment and sponsorship of the Companies that implement BI are often large, multina-
project from senior management. tional organizations with diverse subsidiaries.[25] They
may go through the implementation of a Business Intelli-
2. The level of business need for creating a BI imple- gence Competency Center (BICC).
mentation. A well-designed BI solution provides a consolidated view
of key business data not available anywhere else in the or-
3. The amount and quality of business data available. ganization, giving management visibility and control over
4 9 USER ASPECT

measures that otherwise would not exist. Completeness: check that all expected data are
loaded
Referential integrity: unique and existing ref-
8.3 Amount and quality of available data
erential over all sources
Without proper data, or with too little quality data, any Consistency between sources: check consoli-
BI implementation fails; it does not matter how good the dated data vs sources
management sponsorship or business-driven motivation
is. Before implementation it is a good idea to do data pro- 4. Reporting:
ling. This analysis identies the content, consistency
Uniqueness of indicators: only one share dic-
and structure [..][24] of the data. This should be done as
tionary of indicators
early as possible in the process and if the analysis shows
that data is lacking, put the project on hold temporarily Formula accuracy: local reporting formula
while the IT department gures out how to properly col- should be avoided or checked
lect data.
When planning for business data and business intelligence
requirements, it is always advisable to consider specic 9 User aspect
scenarios that apply to a particular organization, and then
select the business intelligence features best suited for the Some considerations must be made in order to success-
scenario. fully integrate the usage of business intelligence systems
Often, scenarios revolve around distinct business pro- in a company. Ultimately the BI system must be accepted
cesses, each built on one or more data sources. These and utilized by the users in order for it to add value to the
[26][27]
sources are used by features that present that data as in- organization. If the usability of the system is poor,
formation to knowledge workers, who subsequently act the users may become frustrated and spend a consider-
on that information. The business needs of the organiza- able amount of time guring out how to use the system
tion for each business process adopted correspond to the or may not be able to be productive. If the system does
essential steps of business intelligence. These essential not add value to the users mission, they simply don't use
[27]
steps of business intelligence include but are not limited it.
to: To increase user acceptance of a BI system, it can be ad-
visable to consult business users at an early stage of the
1. Go through business data sources in order to collect DW/BI lifecycle, for example at the requirements gather-
needed data ing phase.[26] This can provide an insight into the business
process and what the users need from the BI system.
2. Convert business data to information and present ap- There are several methods for gathering this information,
propriately such as questionnaires and interview sessions.
3. Query and analyze data When gathering the requirements from the business users,
the local IT department should also be consulted in order
4. Act on the collected data to determine to which degree it is possible to fulll the
businesss needs based on the available data.[26]
The quality aspect in business intelligence should cover Taking a user-centered approach throughout the design
all the process from the source data to the nal reporting. and development stage may further increase the chance
At each step, the quality gates are dierent: of rapid user adoption of the BI system.[27]
Besides focusing on the user experience oered by the
1. Source Data: BI applications, it may also possibly motivate the users to
utilize the system by adding an element of competition.
Data Standardization: make data comparable
Kimball[26] suggests implementing a function on the Busi-
(same unit, same pattern...)
ness Intelligence portal website where reports on system
Master Data Management: unique referential usage can be found. By doing so, managers can see how
well their departments are doing and compare themselves
2. Operational Data Store (ODS):
to others and this may spur them to encourage their sta
Data Cleansing: detect & correct inaccurate to utilize the BI system even more.
data In a 2007 article, H. J. Watson gives an example of how
[28]
Data Proling: check inappropriate value, the competitive element can act as an incentive. Wat-
null/empty son describes how a large call centre implemented per-
formance dashboards for all call agents, with monthly in-
3. Data warehouse: centive bonuses tied to performance metrics. Also, agents
5

could compare their performance to other team members. Current The portal should be updated regularly.
The implementation of this type of performance mea-
surement and competition signicantly improved agent Interactive The portal should be implemented in a way
performance. that makes it easy for the user to use its functionality
and encourage them to use the portal. Scalability
BI chances of success can be improved by involving and customization give the user the means to t the
senior management to help make BI a part of the portal to each user.
organizational culture, and by providing the users with
necessary tools, training, and support.[28] Training en- Value Oriented It is important that the user has the feel-
courages more people to use the BI application.[26] ing that the DW/BI application is a valuable resource
that is worth working on.
Providing user support is necessary to maintain the BI
[27]
system and resolve user problems. User support can
be incorporated in many ways, for example by creating
a website. The website should contain great content and 11 Marketplace
tools for nding the necessary information. Furthermore,
helpdesk support can be used. The help desk can be There are a number of business intelligence vendors, of-
manned by power users or the DW/BI project team.[26] ten categorized into the remaining independent pure-
play vendors and consolidated megavendors that have
entered the market through a recent trend[31] of acquisi-
tions in the BI industry.[32] The business intelligence mar-
10 BI Portals ket is gradually growing. In 2012 business intelligence
services brought in $13.1 billion in revenue.[33]
A Business Intelligence portal (BI portal) is the primary
access interface for Data Warehouse (DW) and Business Some companies adopting BI software decide to pick and
Intelligence (BI) applications. The BI portal is the users choose from dierent product oerings (best-of-breed)
rst impression of the DW/BI system. It is typically a rather than purchase [34]
one comprehensive integrated solu-
browser application, from which the user has access to tion (full-service).
all the individual services of the DW/BI system, reports
and other analytical functionality. The BI portal must be
11.1 Industry-specic
implemented in such a way that it is easy for the users of
the DW/BI application to call on the functionality of the
Specic considerations for business intelligence systems
application.[29]
have to be taken in some sectors such as governmental
The BI portals main functionality is to provide a naviga- banking regulations or healthcare.[35] The information
tion system of the DW/BI application. This means that collected by banking institutions and analyzed with BI
the portal has to be implemented in a way that the user software must be protected from some groups or individ-
has access to all the functions of the DW/BI application. uals, while being fully available to other groups or indi-
The most common way to design the portal is to custom t viduals. Therefore, BI solutions must be sensitive to those
it to the business processes of the organization for which needs and be exible enough to adapt to new regulations
the DW/BI application is designed, in that way the portal and changes to existing law.
can best t the needs and requirements of its users.[30]
The BI portal needs to be easy to use and understand,
and if possible have a look and feel similar to other ap-
12 Semi-structured or unstruc-
plications or web content of the organization the DW/BI tured data
application is designed for (consistency).
The following is a list of desirable features for web portals Businesses create a huge amount of valuable informa-
in general and BI portals in particular: tion in the form of e-mails, memos, notes from call-
centers, news, user groups, chats, reports, web-pages,
presentations, image-les, video-les, and marketing ma-
Usable User should easily nd what they need in the BI terial and news. According to Merrill Lynch, more than
tool. 85% of all business information exists in these forms.
These information types are called either semi-structured
Content Rich The portal is not just a report printing
or unstructured data. However, organizations often only
tool, it should contain more functionality such as ad-
use these documents once.[36]
vice, help, support information and documentation.
The managements of semi-structured data is recognized
Clean The portal should be designed so it is easily un- as a major unsolved problem in the information technol-
derstandable and not over-complex as to confuse the ogy industry.[37] According to projections from Gartner
users (2003), white collar workers spend anywhere from 30 to
6 13 2009 PREDICTIONS

40 percent of their time searching, nding and assessing there is a need to develop a standardized terminol-
unstructured data. BI uses both structured and unstruc- ogy.
tured data, but the former is easy to search, and the latter
contains a large quantity of the information needed for 3. Volume of data As stated earlier, up to 85% of all
analysis and decision making.[37][38] Because of the di- data exists as semi-structured data. Couple that with
culty of properly searching, nding and assessing unstruc- the need for word-to-word and semantic analysis.
tured or semi-structured data, organizations may not draw
upon these vast reservoirs of information, which could 4. Searchability of unstructured textual data A sim-
inuence a particular decision, task or project. This can ple search on some data, e.g. apple, results in links
ultimately lead to poorly informed decision making.[36] where there is a reference to that precise search
term. (Inmon & Nesavich, 2008)[39] gives an exam-
Therefore, when designing a business intelligence/DW- ple: a search is made on the term felony. In a sim-
solution, the specic problems associated with semi- ple search, the term felony is used, and everywhere
structured and unstructured data must be accommodated there is a reference to felony, a hit to an unstructured
for as well as those for the structured data.[38] document is made. But a simple search is crude.
It does not nd references to crime, arson, murder,
embezzlement, vehicular homicide, and such, even
12.1 Unstructured data vs. semi- though these crimes are types of felonies.
structured data

Unstructured and semi-structured data have dierent 12.3 The use of metadata
meanings depending on their context. In the context of
relational database systems, unstructured data cannot be To solve problems with searchability and assessment of
stored in predictably ordered columns and rows. One type data, it is necessary to know something about the content.
of unstructured data is typically stored in a BLOB (bi- This can be done by adding context through the use of
metadata.[36] Many systems already capture some meta-
nary large object), a catch-all data type available in most
relational database management systems. Unstructured data (e.g. lename, author, size, etc.), but more useful
data may also refer to irregularly or randomly repeated would be metadata about the actual content e.g. sum-
column patterns that vary from row to row within each maries, topics, people or companies mentioned. Two
le or document. technologies designed for generating metadata about con-
Many of these data types, however, like e-mails, word tent are automatic categorization and information extrac-
processing text les, PPTs, image-les, and video-les tion.
conform to a standard that oers the possibility of meta-
data. Metadata can include information such as author
and time of creation, and this can be stored in a rela- 13 2009 predictions
tional database. Therefore, it may be more accurate to
talk about this as semi-structured documents or data,[37] A 2009 paper predicted[40] these developments in the
but no specic consensus seems to have been reached. business intelligence market:
Unstructured data can also simply be the knowledge that
business users have about future business trends. Busi- Because of lack of information, processes, and tools,
ness forecasting naturally aligns with the BI system be- through 2012, more than 35 percent of the top 5,000
cause business users think of their business in aggregate global companies regularly fail to make insightful
terms. Capturing the business knowledge that may only decisions about signicant changes in their business
exist in the minds of business users provides some of the and markets.
most important data points for a complete BI solution.
By 2012, business units will control at least 40 per-
cent of the total budget for business intelligence.
12.2 Problems with semi-structured or un-
structured data By 2012, one-third of analytic applications ap-
plied to business processes will be delivered through
There are several challenges to developing BI with semi- coarse-grained application mashups.
structured data. According to Inmon & Nesavich,[39]
some of those are: A 2009 Information Management special report pre-
dicted the top BI trends: "green computing, social
1. Physically accessing unstructured textual data un- networking services, data visualization, mobile BI,
structured data is stored in a huge variety of formats. predictive analytics, composite applications, cloud com-
puting and multitouch".[41] Research undertaken in 2014
2. Terminology Among researchers and analysts, indicated that employees are more likely to have access
7

to, and more likely to engage with, cloud-based BI tools Customer dynamics
than traditional tools.[42]
Data Presentation Architecture
Other business intelligence trends include the following:
Data visualization
Third party SOA-BI products increasingly address Decision engineering
ETL issues of volume and throughput.
Enterprise planning systems
Companies embrace in-memory processing, 64-bit
processing, and pre-packaged analytic BI applica- Infonomics
tions. Document intelligence
Operational applications have callable BI compo- Integrated business planning
nents, with improvements in response time, scaling,
and concurrency. Location intelligence

Near or real time BI analytics is a baseline expecta- Media intelligence


tion. Meteorological intelligence
Open source BI software replaces vendor oerings. Mobile business intelligence

Other lines of research include the combined study of Multiway Data Analysis
business intelligence and uncertain data.[43][44] In this Operational intelligence
context, the data used is not assumed to be precise, accu-
rate and complete. Instead, data is considered uncertain Business Information Systems
and therefore this uncertainty is propagated to the results
Business intelligence tools
produced by BI.
According to a study by the Aberdeen Group, there has Process mining
been increasing interest in Software-as-a-Service (SaaS) Real-time business intelligence
business intelligence over the past years, with twice as
many organizations using this deployment approach as Runtime intelligence
one year ago 15% in 2009 compared to 7% in 2008.[45]
Sales intelligence
An article by InfoWorlds Chris Kanaracus points out
similar growth data from research rm IDC, which pre- Test and learn
dicts the SaaS BI market will grow 22 percent each year
through 2013 thanks to increased product sophistication,
strained IT budgets, and other factors.[46] 15 References
An analysis of top 100 Business Intelligence and Ana-
[1] Dedi N. & Stanier C. (2016). Measuring the Success of
lytics scores and ranks the rms based on several open
Changes to Existing Business Intelligence Solutions to Im-
variables[47] prove Business Intelligence Reporting. Lecture Notes in
Business Information Processing. Springer International
Publishing. Volume 268, pp. 225-236.
14 See also [2] (Rud, Olivia (2009). Business Intelligence Success Factors:
Tools for Aligning Your Business in the Global Economy.
Accounting intelligence Hoboken, N.J: Wiley & Sons. ISBN 978-0-470-39240-
9.)
Analytic applications
[3] Coker, Frank (2014). Pulse: Understanding the Vital Signs
Articial intelligence marketing of Your Business. Ambient Light Publishing. pp. 4142.
ISBN 978-0-9893086-0-1.
Business Intelligence 2.0
[4] Chugh, R & Grandhi, S 2013, Why Business
Business process discovery Intelligence? Signicance of Business Intelli-
gence tools and integrating BI governance with
Business process management corporate governance, International Journal of E-
Business activity monitoring Entrepreneurship and Innovation, vol. 4, no.2, pp. 1-14.
https://www.researchgate.net/publication/273861123_
Business service management Why_Business_Intelligence_Significance_of_Business_
Intelligence_Tools_and_Integrating_BI_Governance_
Comparison of OLAP Servers with_Corporate_Governance
8 15 REFERENCES

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[22] Kimball et al., 2008: 16
[6] Miller Devens, Richard. Cyclopaedia of Commercial and [23] Kimball et al., 2008: 18
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[33] Gartner Says Worldwide Business Intelligence, CPM and
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10 18 TEXT AND IMAGE SOURCES, CONTRIBUTORS, AND LICENSES

18 Text and image sources, contributors, and licenses


18.1 Text
Business intelligence Source: https://en.wikipedia.org/wiki/Business_intelligence?oldid=779862826 Contributors: Manning Bartlett, Ant,
Chuq, Leandrod, Michael Hardy, Norm, Nixdorf, Kku, SebastianHelm, Ellywa, Ronz, Mkoval, Elvis, Mydogategodshat, Jay, Rednblu,
Pedant17, Chuckrussell, Traroth, Robbot, ZimZalaBim, Mirv, Aetheling, Lupo, Wile E. Heresiarch, Mattaschen, Psb777, Ianhowlett,
Beardo, AlistairMcMillan, Intergalacticz9, Macrakis, Joelm, Khalid hassani, Alem~enwiki, Edcolins, Golbez, Lucky 6.9, Roc, Alexf, Be-
land, Bharatcit, AndrewTheLott, Karl-Henner, Gscshoyru, DMG413, Kadambarid, Guppynsoup, KeyStroke, Discospinster, Bri, Rhobite,
Martpol, S.K., RJHall, Saturnight, Just zis Guy, you know?, Etz Haim, Tjic, Reinyday, John Vandenberg, Maurreen, MPerel, Nsaa, Mdd,
Gwalarn, Alansohn, Gary, PaulHanson, Arthena, ABCD, Snowolf, Wtmitchell, Evil Monkey, Sciurin, Brookie, Stephen, Zntrip, Dr Gan-
grene, Woohookitty, Mindmatrix, TigerShark, Camw, Arcann, Je3000, GregorB, Liface, Stefanomione, RichardWeiss, DePiep, Hans
Genten, Jerey Henning, DouglasGreen~enwiki, Ademkader, Slant, Alberrosidus, AndriuZ, ViriiK, M7bot, Danielsmith, Chrisvonsimson,
Bgwhite, Wavelength, TexasAndroid, StuOfInterest, RussBot, AVM, Bhny, DanMS, Manop, Grafen, Welsh, Joel7687, Aaron Brenne-
man, Muu-karhu, Mikeblas, Zwobot, Pamela Haas, Langbk01, Zzuuzz, Chase me ladies, I'm the Cavalry, Arthur Rubin, Nraden, Guil-
lom, Katieh5584, Tom Morris, Veinor, Drcwright, SmackBot, Schniider~enwiki, McGeddon, MeiStone, Brick Thrower, CommodiCast,
Eskimbot, Ohnoitsjamie, Folajimi, Jcarroll, Setti, Chris the speller, Bluebot, Stevage, Deli nk, Swells65, Nick Levine, TheKMan, Xyzzy-
plugh, Mitrius, Krich, Warren, Yasst8, Ohconfucius, Wikiolap, Eliyak, Kuru, Tomhubbard, Dreamrequest, ElixirTechnology, Beetstra,
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girl, Yintan, SEOtools, Julianclark, Android Mouse Bot, Ireas, ObserverToSee, Corp Vision, Janner210, Aadeel, Bcarrdba, Ncw0617,
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dra31, Beroneous, Hanantaiber, Outbackprincess, ClueBot NG, CaveJohnson, AMJBIUser, This lousy T-shirt, Jaej, Qarakesek, Hap-
pyinmaine, Robiminer, Mathew105601, Widr, Pmresource, Helpful Pixie Bot, TimMulherin, Bpm123, Kaimu17, BG19bot, Vaulttech,
Mr.Gaebrial, Joshua.pierce84, Xjengvyen, Jwcga, Marcocapelle, Chafe66, Loripiquet, Einsteinlebt, Reverend T. R. Malthus, Meclee, Su-
tanupaul, Y.Kondrykava, David.moreno72, Cyberbot II, Khazar2, Dhavalp453, Jkofron4, Ivytrejo, Cwobeel, Meg2765, Mogism, Bpm-
books, XXN, Riyadmks, OnTheNet21, Michael.h.zimmerman, Ergoodell, Zkhall, Mangotron, Phamnhatkhanh, Zilppuri, HowardDresner,
ArmbrustBot, Mikevandeneijnden, Yanis ahmed, Dkrapohl, Ginsuloft, ReclaGroup, BIcurious3334, DauphineBI, Lakun.patra, Comp-
prof9000, Mgt88drcr, Julep.hawthorne, Tastiera, Marc Schnwandt, ScienceGuard, TechnoTalk, Wiki-jonne, BrettofMoore, Vanished
user 9j34rnfjemnrjnasj4, BlackSeaSailor, Generalcontributor, Clumsied, Mihaescu Constantin, Deever21, Xpansa, Galaktikasoft, Franke-
coker, Smithandrea, Gary2015, Shahin33bd, BrandonMcBride, Brendonritz, Neoguru~ruwiki, Koerbagh, ThatKongregateGuy, Soheilma-
mani, Museagle, Hanselke, BillyAdams1989, FarnDeer, SarahAnnFields, TacitKM, Kizyjc, GreenC bot, Alpha T Knowledge, Crankestine,
Bender the Bot, 72, Ken Gnazdowsky, GGFREVGQAWVAV, BN86Jgk, Wiki.knowledge, Pascalf17 and Anonymous: 741

18.2 Images
File:Emblem-money.svg Source: https://upload.wikimedia.org/wikipedia/commons/f/f3/Emblem-money.svg License: GPL Contribu-
tors: http://www.gnome-look.org/content/show.php/GNOME-colors?content=82562 Original artist: perfectska04

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