Haim Kilov is a chief architect, business modeling, with Financial Systems Architects. His approach to business and other specifications -- widely used in financial, insurance, telecommunications, document management, and other areas -- has brought demonstrable clarity and understandability to specifying businesses and designing systems to satisfy business needs. It has been described in two of his books ( Information Modeling and Business Specifications ) and in a significant number of other publications. His book Business Models is used as a text by Stevens Institute of Technology in its Master of Science in Information Systems program for students from industry. Mr. Kilov can be reached at haimk at acm.org.