| Industries |
|---|
| Technology Hardware Storage and Peripherals |
| Information Technology |
| Technology Hardware and Equipment |
| Human Resource and Employment Services |
| Computer Storage and Peripherals |
| Computer Hardware |
| Computer and Electronics Retail |
| Automobile Manufacturers |
| Motorcycle Manufacturers |
| Exposures |
|---|
| Military |
| Express intent |
| Provide |
| Cooperate |
| Intelligence |
| Regime |
| Crime |
| Event Codes |
|---|
| Solicit support |
| Threaten |
| Yield to order |
| Warn |
| Endorse |
| Veto |
| Seize |
| Demand |
| Agree |
| Accident |
| Sports contest |
| Psychological state |
| Covert monitoring |
| Consult |
| Human death |
| Empathize |
| Riot |
| Comment |
| Wiki | Wiki Summary |
|---|---|
| Emergency operations center | An emergency operations center (EOC) is a central command and control facility responsible for carrying out the principles of emergency preparedness and emergency management, or disaster management functions at a strategic level during an emergency, and ensuring the continuity of operation of a company, political subdivision or other organization.\nAn EOC is responsible for strategic direction and operational decisions and does not normally directly control field assets, instead leaving tactical decisions to lower commands. |
| Operations research | Operations research (British English: operational research), often shortened to the initialism OR, is a discipline that deals with the development and application of advanced analytical methods to improve decision-making. It is sometimes considered to be a subfield of mathematical sciences. |
| Surgery | Surgery is a medical or dental specialty that uses operative manual and instrumental techniques on a person to investigate or treat a pathological condition such as a disease or injury, to help improve bodily function, appearance, or to repair unwanted ruptured areas.\nThe act of performing surgery may be called a surgical procedure, operation, or simply "surgery". |
| Star Tours – The Adventures Continue | Star Tours – The Adventures Continue is an attraction located at Disney's Hollywood Studios, Disneyland, Tokyo Disneyland, and Disneyland Paris. Set in the Star Wars universe, Star Tours – The Adventures Continue takes passengers on a turbulent trip across the galaxy, as droids C-3PO and R2-D2 attempt to safely return a spy to the Rebel Alliance. |
| The Hustle Continues | The Hustle Continues is the fifth solo studio album by American rapper and record producer Juicy J. It was released on November 27, 2020 via Trippy Music/eOne. It features guest appearances from Logic, 2 Chainz, ASAP Rocky, Conway the Machine, Jay Rock, Key Glock, Lil Baby, Megan Thee Stallion, NLE Choppa, Project Pat, Ty Dolla Sign, Wiz Khalifa and Young Dolph.The album was preceded by two singles: "Gah Damn High" and "Load It Up". |
| Competitors for the Crown of Scotland | When the crown of Scotland became vacant in September 1290 on the death of the seven-year-old child Queen Margaret, 13 claimants to the throne came forward. Those with the most credible claims were John Balliol, Robert Bruce, John Hastings and Floris V, Count of Holland. |
| List of Dancing with the Stars (American TV series) competitors | Dancing with the Stars is an American reality television show in which celebrity contestants and professional dance partners compete to be the best dancers, as determined by the show's judges and public voting. The series first broadcast in 2005, and thirty complete seasons have aired on ABC. During each season, competitors are progressively eliminated on the basis of public voting and scores received from the judges until only a few contestants remain. |
| Product innovation | Product innovation is the creation and subsequent introduction of a good or service that is either new, or an improved version of previous goods or services. This is broader than the normally accepted definition of innovation that includes the invention of new products which, in this context, are still considered innovative. |
| Gross domestic product | Gross domestic product (GDP) is a monetary measure of the market value of all the final goods and services produced in a specific time period by countries. GDP (nominal) per capita does not, however, reflect differences in the cost of living and the inflation rates of the countries; therefore, using a basis of GDP per capita at purchasing power parity (PPP) may be more useful when comparing living standards between nations, while nominal GDP is more useful comparing national economies on the international market. |
| Phase-gate process | A phase-gate process (also referred to as a stage-gate process or waterfall process) is a project management technique in which an initiative or project (e.g., new product development, software development, process improvement, business change) is divided into distinct stages or phases, separated by decision points (known as gates).\nAt each gate, continuation is decided by (typically) a manager, steering committee, or governance board. |
| Product strategy | Product strategy defines the high-level plan for developing and marketing a product, how the product supports the business strategy and goals, and is brought to life through product roadmaps. A product strategy describes a vision of the future with this product, the ideal customer profile and market to serve, go-to-market and positioning (marketing), thematic areas of investment, and measures of success. |
| Computer security | Computer security, cybersecurity (cyber security), or information technology security (IT security) is the protection of computer systems and networks from information disclosure, theft of, or damage to their hardware, software, or electronic data, as well as from the disruption or misdirection of the services they provide.The field has become significant due to the expanded reliance on computer systems, the Internet, and wireless network standards such as Bluetooth and Wi-Fi, and due to the growth of "smart" devices, including smartphones, televisions, and the various devices that constitute the Internet of things (IoT). Cybersecurity is also one of the significant challenges in the contemporary world, due to its complexity, both in terms of political usage and technology. |
| Security breach notification laws | Security breach notification laws or data breach notification laws are laws that require individuals or entities affected by a data breach, unauthorized access to data, to notify their customers and other parties about the breach, as well as take specific steps to remedy the situation based on state legislature. Data breach notification laws have two main goals. |
| Data breach | A data breach is a security violation, in which sensitive, protected or confidential data is copied, transmitted, viewed, stolen or used by an individual unauthorized to do so. Other terms are unintentional information disclosure, data leak, information leakage, and data spill. |
| Exponential growth | Exponential growth is a process that increases quantity over time. It occurs when the instantaneous rate of change (that is, the derivative) of a quantity with respect to time is proportional to the quantity itself. |
| Sustainable development | Sustainable development is an organizing principle for meeting human development goals while also sustaining the ability of natural systems to provide the natural resources and ecosystem services on which the economy and society depend. The desired result is a state of society where living conditions and resources are used to continue to meet human needs without undermining the integrity and stability of the natural system. |
| Mergers & Acquisitions | In corporate finance, mergers and acquisitions (M&A) are transactions in which the ownership of companies, other business organizations, or their operating units are transferred or consolidated with other entities. As an aspect of strategic management, M&A can allow enterprises to grow or downsize, and change the nature of their business or competitive position. |
| List of mergers and acquisitions by Meta Platforms | Meta Platforms (formerly Facebook, Inc.) is a technology company that has acquired 91 other companies, including WhatsApp. The WhatsApp acquisition closed at a steep $16 billion; more than $40 per user of the platform. |
| Bolt-on acquisition | Bolt-on acquisition refers to the acquisition of smaller companies, usually in the same line of business, that presents strategic value. This is in contrast to primary acquisitions of other companies which are generally in different industries, require larger investments, or are of similar size to the acquiring company. |
| Business | Business is the activity of making one's living or making money by producing or buying and selling products (such as goods and services). It is also "any activity or enterprise entered into for profit."Having a business name does not separate the business entity from the owner, which means that the owner of the business is responsible and liable for debts incurred by the business. |
| Substantial disruption | The substantial disruption test is a criterion set forth by the United States Supreme Court, in the leading case of Tinker v. Des Moines Independent Community School District, 393 U.S. 503 (1969). |
| Intimate relationship | An intimate relationship is an interpersonal relationship that involves physical or emotional intimacy. Although an intimate relationship is commonly a sexual relationship, it may also be a non-sexual relationship involving family, friends, or acquaintances.Emotional intimacy involves feelings of liking or loving one or more people, and may result in physical intimacy. |
| Sibling relationship | Siblings play a unique role in one another's lives that simulates the companionship of parents as well as the influence and assistance of friends. Because siblings often grow up in the same household, they have a large amount of exposure to one another, like other members of the immediate family. |
| Proprietary software | Proprietary software, also known as non-free software or closed-source software, is computer software for which the software's publisher or another person reserves some licensing rights to use, modify, share modifications, or share the software, restricting user freedom with the software they lease. It is the opposite of open-source or free software. |
| Development/For! | Development/For! (Latvian: Attīstībai/Par!, AP!) is a liberal political alliance in Latvia. |
| Software development | Software development is the process of conceiving, specifying, designing, programming, documenting, testing, and bug fixing involved in creating and maintaining applications, frameworks, or other software components. Software development involves writing and maintaining the source code, but in a broader sense, it includes all processes from the conception of the desired software through to the final manifestation of the software, typically in a planned and structured process. |
| Educational institution | An educational institution is a place where people of different ages gain an education, including preschools, childcare, primary-elementary schools, secondary-high schools, and universities. They provide a large variety of learning environments and learning spaces. |
| Cultural institution | A cultural institution or cultural organization is an organization within a culture/subculture that works for the preservation or promotion of culture. The term is especially used of public and charitable organizations, but its range of meaning can be very broad. |
| Regulatory state | The term regulatory state refers to the expansion in the use of rulemaking, monitoring and enforcement techniques and institutions by the state and to a parallel change in the way its positive or negative functions in society are being carried out. The expansion of the state nowadays is generally via regulation and less via taxing and spending. |
| Regulatory capture | In politics, regulatory capture (also agency capture and client politics) is a form of corruption of authority that occurs when a political entity, policymaker, or regulator is co-opted to serve the commercial, ideological, or political interests of a minor constituency, such as a particular geographic area, industry, profession, or ideological group.When regulatory capture occurs, a special interest is prioritized over the general interests of the public, leading to a net loss for society. The theory of client politics is related to that of rent-seeking and political failure; client politics "occurs when most or all of the benefits of a program go to some single, reasonably small interest (e.g., industry, profession, or locality) but most or all of the costs will be borne by a large number of people (for example, all taxpayers)". |
| Regulatory affairs | Regulatory affairs (RA), also called government affairs, is a profession within regulated industries, such as pharmaceuticals, medical devices, cosmetics, agrochemicals (plant protection products and fertilizers), energy, banking, telecom etc. Regulatory affairs also has a very specific meaning within the healthcare industries (pharmaceuticals, medical devices, biologics and functional foods). |
| Regulation A | In the United States under the Securities Act of 1933, any offer to sell securities must either be registered with the United States Securities and Exchange Commission (SEC) or meet certain qualifications to exempt it from such registration. Regulation A (or Reg A) contains rules providing exemptions from the registration requirements, allowing some companies to use equity crowdfunding to offer and sell their securities without having to register the securities with the SEC. Regulation A offerings are intended to make access to capital possible for small and medium-sized companies that could not otherwise bear the costs of a normal SEC registration and to allow nonaccredited investors to participate in the offering. |
| Formula One regulations | The numerous Formula One regulations, made and enforced by the FIA and later the FISA, have changed dramatically since the first Formula One World Championship in 1950. This article covers the current state of F1 technical and sporting regulations, as well as the history of the technical regulations since 1950. |
| Regulation (European Union) | A regulation is a legal act of the European Union that becomes immediately enforceable as law in all member states simultaneously. Regulations can be distinguished from directives which, at least in principle, need to be transposed into national law. |
| Radio regulation | Radio regulation refers to the regulation and licensing of radio in international law, by individual governments, and by municipalities.\n\n\n== International regulation ==\nThe International Telecommunication Union (ITU) is a specialized agency of the United Nations (UN) that is responsible for issues that concern information and communication technologies. |
| Special Relationship | The Special Relationship is a term that is often used to describe the political, social, diplomatic, cultural, economic, legal, environmental, religious, military and historic relations between the United Kingdom and the United States or its political leaders. The term first came into popular usage after it was used in a 1946 speech by former British Prime Minister Winston Churchill. |
| Risk Factors |
|---|
| HENRY JACK & ASSOCIATES INC ITEM 1A RISK FACTORS 17 Item 1A Risk Factors The Companyapstas business and the results of its operations are affected by numerous factors and uncertainties, some of which are beyond our control |
| The following is a description of some of the important risks and uncertainties that may cause the actual results of the Companyapstas operations in future periods to differ from those expected or desired |
| Changes in the banking and credit union industry could reduce demand for our products |
| Cyclical fluctuations in economic conditions affect profitability and revenue growth at commercial banks and credit unions |
| Unfavorable economic conditions negatively affect the spending of banks and credit unions, including spending on computer software and hardware |
| Such conditions could reduce both our sales to new customers and upgrade/complementary product sales to existing customers |
| We have grown both internally and through acquisitions |
| Our expansion has and will continue to place significant demands on our administrative, operational, financial and management personnel and systems |
| We may not be able to enhance and expand our product lines, manage costs, adapt our infrastructure and modify our systems to accommodate future growth |
| If we fail to adapt our products and services to changes in technology, we could lose existing customers and be unable to attract new business |
| The markets for our software and hardware products and services are characterized by changing customer requirements and rapid technological changes |
| These factors and new product introductions by our existing competitors or by new market entrants could reduce the demand for our existing products and services and we may be required to develop or acquire new products and services |
| Our future success is dependent on our ability to enhance our existing products and services in a timely manner and to develop or acquire new products and services |
| If we are unable to develop or acquire new products and services as planned, or if we fail to sell our new or enhanced products and services, we may incur unanticipated expenses or fail to achieve anticipated revenues |
| Security problems could damage our reputation and business |
| We rely on standard encryption, network and Internet security systems, most of which we license from third parties, to provide the security and authentication necessary to effect secure transmission of data |
| Computer networks and the Internet are vulnerable to unauthorized access, computer viruses and other disruptive problems |
| Individual personal computers can be stolen, and customer data tapes can be lost in shipment |
| Under state and proposed federal laws requiring consumer notification of security breaches, the costs to remediate security breaches can be substantial |
| Advances in computer capabilities, new discoveries in the field of cryptography or other events or developments may render our security measures inadequate |
| Security risks may result in liability to us and also may deter financial institutions from purchasing our products |
| We will continue to expend significant capital and other resources protecting against the threat of security breaches, and we may need to expend resources alleviating problems caused by breaches |
| Eliminating computer viruses and addressing other security problems may result in interruptions, delays or cessation of service to users, any of which could harm our business |
| Our growth may be affected if we are unable to find or complete suitable acquisitions |
| We have augmented the growth of our business with a number of acquisitions and we plan to continue to acquire appropriate businesses, products and services |
| This strategy depends on our ability to identify, negotiate and finance suitable acquisitions |
| Substantial recent merger and acquisition activity in our industry has affected the availability and pricing of such acquisitions |
| If we are unable to acquire suitable acquisition candidates, we may experience slower growth |
| Acquisitions may be costly and difficult to integrate |
| We have acquired a number of businesses in the last few years and will continue to explore acquisitions in the future |
| We may not be able to successfully integrate acquired companies |
| We may encounter problems with the integration of new businesses including: financial control and computer system compatibility; unanticipated costs; unanticipated quality or customer problems with acquired products or services; differing regulatory and industry standards; diversion of managementapstas attention; adverse effects on existing business relationships with suppliers and customers; loss of key employees; and significant amortization expenses related to acquired assets |
| To finance future acquisitions, we may have to increase our borrowing or sell equity or debt securities to the public |
| Without additional acquisitions, we may not be able to grow and to develop new products and services as quickly as we have in the past to meet the competition |
| If we fail to integrate our acquisitions, our business, financial condition and results of operations could be materially and adversely affected |
| Failed acquisitions could also produce material and unpredictable impairment charges as we periodically review our acquired assets |
| Competition or general economic conditions may result in decreased demand or require price reductions or other concessions to customers which could result in lower margins and reduce income |
| We vigorously compete with a variety of software vendors in all of our major product lines |
| We compete on the basis of product quality, reliability, performance, ease of use, quality of support, integration with other products and pricing |
| Some of our competitors may have advantages over us due to their size, product lines, greater marketing resources, or exclusive intellectual property rights |
| If competitors offer more favorable pricing, payment or other contractual terms, warranties, or functionality, or if general economic conditions decline such that customers are less willing or able to pay the cost of our products, we may need to lower prices or offer favorable terms in order to successfully compete |
| The loss of key employees could adversely affect our business |
| We depend on the contributions and abilities of our senior management |
| Our Company has grown significantly in recent years and our management remains concentrated in a small number of key employees |
| If we lose one or more of our key employees, we could suffer a loss of sales and delays in new product development, and management resources would have to be diverted from other activities to compensate for this loss |
| We do not have employment agreements with any of our executive officers |
| Consolidation of financial institutions will continue to reduce the number of our customers and potential customers |
| Our primary market consists of approximately 9cmam000 commercial and savings banks and 9cmam000 credit unions |
| The number of commercial banks and credit unions has decreased because of mergers and acquisitions over the last several decades and is expected to continue to decrease as more consolidation occurs |
| The services we provide to our customers are subject to government regulation that could hinder the development of portions of our business or impose constraints on the way we conduct our operations |
| The financial services industry is subject to extensive and complex federal and state regulation |
| As a supplier of services to financial institutions, portions of our operations are examined by the Office of the Comptroller of the Currency, the Federal Reserve Board and the Federal Deposit Insurance Corporation, among other regulatory agencies |
| These agencies regulate services we provide and the manner in which we operate, and we are required to comply with a broad range of applicable laws and regulations |
| In addition, existing laws, regulations, and policies could be amended or interpreted differently by regulators in a manner that has a negative impact on our existing operations or that limits our future growth or expansion |
| Our customers are also regulated entities, and actions by regulatory authorities could determine both the decisions they make concerning the purchase of data processing and other services and the timing and implementation of these decisions |
| Concerns are growing with respect to the use, confidentiality, and security of private customer information |
| Regulatory agencies, Congress and state legislatures are considering numerous regulatory and statutory proposals to protect the interests of consumers and to require compliance with standards and policies that have not been defined |
| The software we provide to our customers is also affected by government regulation |
| We are generally obligated to our customers to provide software solutions that comply with applicable federal and state regulations |
| Substantial software research and development and other corporate resources have been and will continue to be applied to adapt our software products to this evolving, complex and often unpredictable regulatory environment |
| Our failure to provide compliant solutions could result in significant fines or consumer liability on our customers, for which we may bear ultimate liability |
| As technology becomes less expensive and more advanced, purchase prices of hardware are declining and our revenues and profits from remarketing arrangements may decrease |
| Computer hardware technology is rapidly developing |
| Hardware manufacturers are producing less expensive and more powerful equipment each year, and we expect this trend to continue into the future |
| As computer hardware becomes less expensive, revenues and profits derived from our hardware remarketing may decrease and become a smaller portion of our revenues and profits |
| An operational failure in our outsourcing facilities could cause us to lose customers |
| Damage or destruction that interrupts our outsourcing operations could damage our relationship with customers and may cause us to incur substantial additional expense to repair or replace damaged equipment |
| Our back-up systems and procedures may not prevent disruption, such as a prolonged interruption of our transaction processing services |
| In the event that an interruption of our network extends for more than several hours, we may experience data loss or a reduction in revenues by reason of such interruption |
| In addition, a significant interruption of service could have a negative impact on our reputation and could lead our present and potential customers to choose other service providers |
| If our strategic relationship with IBM were terminated, it could have a negative impact on the continuing success of our business |
| If IBM were to terminate or fundamentally modify our strategic relationship, our relationship with our customers and our revenues and earnings could suffer |
| We could also lose software market share or be required to redesign existing products or develop new products for new hardware platforms |
| If others claim that we have infringed their intellectual property rights, we could be liable for significant damages |
| We have agreed to indemnify many of our customers against claims that our products and services infringe on the proprietary rights of others |
| We anticipate that the number of infringement claims will increase as the number of our software solutions and services increases and the functionality of our products and services expands |
| Any such claims, whether with or without merit, could be time- consuming, result in costly litigation and may not be resolved on terms favorable to us |
| Expansion of services to non-traditional customers could expose us to new risks |
| Some of our recent acquisitions include business lines that are marketed outside our traditional, regulated, and litigation-averse base of financial institution customers |
| These non-regulated customers may entail greater operational, credit and litigation risks than we have faced before and could result in increases in bad debts and litigation costs |
| Increases in service revenue as a percentage of total revenues may decrease overall margins |
| We continue to experience a trend of a greater proportion of our products being sold as outsourcing services rather than in-house licenses |
| We realize lower margins on service revenues than on license revenues |
| Thus, if service revenue increases as a percentage of total revenue, our gross margins will be lower and our operating results may be impacted |
| Failure to achieve favorable renewals of service contracts could negatively affect our outsourcing business |
| Because of the rapid growth of our outsourcing business over the last five years, we will experience greater numbers of these contracts coming up for renewal over the next few years |
| Renewal time presents our customers with the opportunity to consider other providers or to renegotiate their contracts with us |
| If we are not successful in achieving high renewal rates upon favorable terms, our outsourcing revenues and profit margins will suffer |