Computer software for optimal decision making by a commercial enterprise; computer software for the analysis of customer profitability, risk management and relationship management; computer software used to optimize lifetime customer value by analyzing data relative to the duration of business relationship, revenues, margins, costs, fees, spreads, and associated risks for purposes of determining whether to acquire, terminate, retain or expand the customer relationship and to determine the actions appropriate to achieve such purposes; computer software for optimal decision making in managing customer relationships; computer software for the optimization of sales, marketing and service decisions to improve customer and portfolio profitability; computer software used for improving marketing, sales and service on e-commerce sites; computer software for predicting and making optimal decision as to consumer behavior and consumer buying and affiliation decisions; computer software for optimization of cross-marketing opportunities; computer software for predicting retail and wholesale customer and market behavior trends and predictions; computer software that optimizes customer loyalty through one-on- one marketing; computer software that accelerates buying cycles through targeted selling through optimal one-on-one marketing; computer software for creating optimal one-on-one marketing campaigns at the customer or account level for pricing, discounts, rebates, packages or offers; computer software used for dynamic pricing