---
title: "Blue Cross Blue Shield of Michigan's 2020 AWARD FINALIST CASE STUDY : Best Achievement in Operational Excellence to deliver an outstanding Customer Experience Excellence."
description: Read this article about  Blue Cross Blue Shield of Michigan - BCBSM's Customer Experience Journey.
image: https://insights.btoes.com/hubfs/-BCBSM-Logo.png
---

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 June 28, 2020

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## [Blue Cross Blue Shield of Michigan's 2020 AWARD FINALIST CASE STUDY : Best Achievement in Operational Excellence to deliver an outstanding Customer Experience Excellence.](https://insights.btoes.com/2020-award-finalist-spotlight-blue-cross-blue-shield-of-michigan-best-achievement-in-operational-excellence-to-deliver-an-outstanding-customer-experience-excellence-1-0)

  [Customer Experience Excellence](https://insights.btoes.com/topic/customer-experience-excellence) [Award Finalist Case Study](https://insights.btoes.com/topic/award-finalist-case-study)

Read this article about Blue Cross Blue Shield of Michigan , one of our finalists, in the category Best Achievement in Operational Excellence to deliver an outstanding Customer Experience Excellence, selected by the [independent judging panel](http://btoes.com/judging-panel), for the 2020 Business Transformation & Operational Excellence Industry Awards program. 

![-BCBSM-Logo](https://insights.btoes.com/hs-fs/hubfs/-BCBSM-Logo.png?width=300&name=-BCBSM-Logo.png)

![pillar%20page%20line%201](https://insights.btoes.com/hs-fs/hubfs/pillar%20page%20line%201.png?width=830&name=pillar%20page%20line%201.png)

**BCBSM's Customer Experience Journey**

BCBSM competes in a challenging, complex and uncertain industry landscape including:

- Unsustainable cost trends, complex plans and shifting of the cost burden to employees and consumers,
- Dynamic competitive environment and industry uncertainty due to government and regulatory concerns, and
- Ever increasing consumer expectations in an industry that historically underperforms other categories.

![](https://insights.btoes.com/hubfs/Picture1-2.png)

These challenges made business difficult for BCBSM.  Research from Forrester put customer experience for health insurance plans on par with cable providers.  Changing the trajectory of member experience would be critical to sustaining BCBSM’s strong market position.  Senior leaders set a strategic objective to leapfrog competitors by building and leveraging a robust Customer Experience Capability.  BCBSM embarked on a journey to transform the entire enterprise from B2B to B2Me to better address customer needs.

Beginning in 2012, BCBSM began making intentional investments in an enterprise-wide Customer Experience discipline, adhered to its strategy.  To be successful, every employee would need to understand the criticality of members and perform their jobs with a “customer-first” mindset. Enterprise-wide engagement was built into the CX strategy and the corporate culture, including annual employee alignment surveys, annual CX goals, new employee training and significant corporate communications emphasis, including monthly CEO video broadcasts.

BCBSM’s journey began by constructing a foundational understanding of our customers and their experience, built around defining our customers, leveraging research, member segmentation and understanding pain points.  With the foundation set, BCBSM began delivering the three planks in its CX strategy.

- Find & Fix — building capabilities to prevent and solve member abrasions with enterprise-wide impact.
- Transform — building customer-focused employees to engage and activate employees on a sustained basis, while simultaneously constructing robust CX infrastructure to inform our work and measure our progress internally and externally.
- Build — creating experiences to meet or exceed the expectations of our members, leveraging CX capabilities with a new Human-Centered Design model.

[![blog-cta](https://insights.btoes.com/hs-fs/hubfs/Blog/BTOES_Company-Logo/Provide%20an%20Excellent%20Customer%20Experience%20with%20the%20perfect%20Mobile%20Customer%20Journey..png?width=300&name=Provide%20an%20Excellent%20Customer%20Experience%20with%20the%20perfect%20Mobile%20Customer%20Journey..png)](https://insights.btoes.com/final-case-studies-2020)

BCBSM now has a mature CX Capability that has transformed our entire organization and can be seen in internal and external measures. Enterprise-wide impact is apparent through CEO prioritization and support, ongoing employee engagement in CX practices, and continued investment in new capabilities.

[![New Awards CTA](https://insights.btoes.com/hs-fs/hubfs/New%20Awards%20CTA.png?width=1748&name=New%20Awards%20CTA.png)](https://insights.btoes.com/final-case-studies-2020)BCBSM’s CX capability is recognized for driving impact both internally and externally.  Employee engagement surveys show a 30+ point increase in customer orientation.  BCBSM was awarded the prestigious J.D. Power and Associates recognition for “highest member satisfaction among commercial health plans in Michigan,” and has received more than a dozen industry awards across its digital platform.  Moreover, customer experience success is translating to market performance with a 2-point increase in NPS since 2017, and 16% growth in contracts from 2010-2018.

The commitment of the organization and the engagement of BCBSM employees has created a competitive advantage that separates BCBSM from the pack (and the cable companies) and ensures that its members choose and use health plans that best meet their individual needs – the ultimate expression of B2Me.

![piller-line](https://insights.btoes.com/hubfs/Blog/BTOES_2020-Blog%20assets/pillar%20page%20line.png)

## **About the Awards**

The **Business Transformation & Operational Excellence Awards** have been established to showcase globally the most outstanding organizational achievements through the application of Operational Excellence programs. Click here to view the Press Release.

The winners will be announced at the Awards Ceremony at The Business Transformation & Operational Excellence World Awards (BTOES) on Wednesday, March 25th, 2020, from 6.30pm in the Venetian Ballroom at the Loews Portofino Bay Hotel at Universal Orlando Resort.

The Business Transformation & Operational Excellence Awards are open to all organizations, both private and public sector, across the globe, which have implemented Operational Excellence programs to deliver outstanding business results.

The Awards will be held in conjunction with the **Business Transformation & Operational Excellence World Summit, BTOES 2020** in the beautiful **Venetian Ballroom on March 25, 2020** at the **Loews Portofino Bay Hotel at Universal Orlando™️**. Click to access the agenda, view the current speakers, and watch the highlights video from last year.

 

![piller-line](https://insights.btoes.com/hubfs/Blog/BTOES_2020-Blog%20assets/pillar%20page%20line.png)

## **BTOES.com**

## **The issues in this article are just one of topic areas that are going to be discussed at the** [**Business Transformation & Operational Excellence World Summit & Industry**](http://btoes.com/)

BTOES is the industry’s biggest and best, senior-level, cross-industry gathering of Business Transformation & Operational Excellence industry leaders and senior executives.

It also hosts the [**Business Transformation & Operational Excellence Awards**](http://btoes.com/about-the-awards)**,** which showcase globally the most outstanding organizational achievements through the application of Operational Excellence programs.

The summits hosts a number of [private forums for C-Level & Global corporate-level leaders](http://opexpf.com/) as well as business unit heads.

With over 150 speakers, over 100 sessions, 12 Keynotes, 9 Track Themes, 5 parallel tracks, 60+ track sessions, 50 roundtable discussions, 20 Interactive Workshops, 6 Thought Leader Panels, 5 Leaders Boardrooms, 5 co-located events, the Industry Awards Program, Site Visits, 20+ hours of social networking including 2 gala cocktail parties, dinners, numerous group activities, this is the ultimate event to benchmark, network and drive Operational Excellence to the next level.

 

Quick Links

[Speakers](http://btoes.com/speakers)

[Agenda](https://t.sidekickopen10.com/s1t/c/5/f18dQhb0S7lC8dDMPbW2n0x6l2B9nMJW7t5XZs653lLdW2zht3s3LP-NWW2zhqcR56dBWjf2R9rYC02?t=http%3A%2F%2Fbtoes.com%2Fagenda&si=5539428416225280&pi=b768a3d4-552b-4535-e2c4-3c00510f9d57)

[BTOES Awards](http://btoesawards.com/)

 

There is a strong focus on Cultural Transformation, Customer Delight, Sustaining an Operational Excellence program, Need for end-to-end Business Transformation, Keeping up with new technologies/impact of digitalization and Leadership Buy-in & Understanding. We dedicated two tracks to advanced technologies, such as AI, Machine Learning, RPA, Predictive Analytics, Blockchain, Cloud infrastructure etc.

The agenda is designed to encourage active **meaningful conversations** though all day enhanced networking and interaction opportunities, including

- All-day Refreshment & Themed Breaks
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- 1½ Hour Hot Plated Networking Lunches with Topic & Industry Sector focussed tables
- 1½ Hour Roundtable Sessions by Topic & Industry Sector.
- Keynote & Themes Panel Sessions
- Hosted Welcome Receptions from 5.30pm
- Expanded more lavish Awards Program
- Newly launched Night Summit for attendees to meet after dinner

For more information or to discuss the summit in more detail please schedule a call below,

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Transformation](https://insights.btoes.com/topic/erp-transformation) [Finance Global Operations (FGO)](https://insights.btoes.com/topic/finance-global-operations-fgo) [Financial Services Software](https://insights.btoes.com/topic/financial-services-software) [Frameworks](https://insights.btoes.com/topic/frameworks) [Hoshin Planning](https://insights.btoes.com/topic/hoshin-planning) [Human Capital](https://insights.btoes.com/topic/human-capital) [Lean Culture](https://insights.btoes.com/topic/lean-culture) [Natural Gas Infrastructure](https://insights.btoes.com/topic/natural-gas-infrastructure) [Natural Language Processing](https://insights.btoes.com/topic/natural-language-processing) [Organizational Change](https://insights.btoes.com/topic/organizational-change) [Pharmaceutical](https://insights.btoes.com/topic/pharmaceutical) [Pharmaceuticals & Life Sciences](https://insights.btoes.com/topic/pharmaceuticals-life-sciences) [Project manager](https://insights.btoes.com/topic/project-manager) [Supply Chain Management](https://insights.btoes.com/topic/supply-chain-management) [Sustainable Growth](https://insights.btoes.com/topic/sustainable-growth) [The Fully Automated Contact Center](https://insights.btoes.com/topic/the-fully-automated-contact-center) [Transformation Initiatives](https://insights.btoes.com/topic/transformation-initiatives) [Workplace Analytics](https://insights.btoes.com/topic/workplace-analytics) [eForms](https://insights.btoes.com/topic/eforms) [eSignatures](https://insights.btoes.com/topic/esignatures) [3D Thinking](https://insights.btoes.com/topic/3d-thinking) [BEAM](https://insights.btoes.com/topic/beam) [BFARM](https://insights.btoes.com/topic/bfarm) [BTOES17](https://insights.btoes.com/topic/btoes17) [Big Data Processing](https://insights.btoes.com/topic/big-data-processing) [Business Analytics](https://insights.btoes.com/topic/business-analytics) [Business Growth](https://insights.btoes.com/topic/business-growth) [Centralized Performance Monitoring System](https://insights.btoes.com/topic/centralized-performance-monitoring-system) [Communication](https://insights.btoes.com/topic/communication) [Creativity](https://insights.btoes.com/topic/creativity) [Digital Technologies](https://insights.btoes.com/topic/digital-technologies) [Digital Technology](https://insights.btoes.com/topic/digital-technology) [Educational Psychologist](https://insights.btoes.com/topic/educational-psychologist) [Energy Management](https://insights.btoes.com/topic/energy-management) [Health Insurance](https://insights.btoes.com/topic/health-insurance) [Health Maintenance Organizations](https://insights.btoes.com/topic/health-maintenance-organizations) [Hospitality & Construction](https://insights.btoes.com/topic/hospitality-construction) [Human Centered Design](https://insights.btoes.com/topic/human-centered-design) [Integrated Decision Approach](https://insights.btoes.com/topic/integrated-decision-approach) [Integrated Decision Making](https://insights.btoes.com/topic/integrated-decision-making) [Intelligent Document Processing](https://insights.btoes.com/topic/intelligent-document-processing) [Kaizen](https://insights.btoes.com/topic/kaizen) [Medicare](https://insights.btoes.com/topic/medicare) [Moodset for Excellence](https://insights.btoes.com/topic/moodset-for-excellence) [Natural Language Processing (NLP)](https://insights.btoes.com/topic/natural-language-processing-nlp) [Offering Managers](https://insights.btoes.com/topic/offering-managers) [Oil and Gas](https://insights.btoes.com/topic/oil-and-gas) [Optical Character Recognition (OCR)](https://insights.btoes.com/topic/optical-character-recognition-ocr) [Pharmaceuticals and Life Sciences](https://insights.btoes.com/topic/pharmaceuticals-and-life-sciences) [Photographing](https://insights.btoes.com/topic/photographing) [Price and Routing Tracking (PART)](https://insights.btoes.com/topic/price-and-routing-tracking-part) [Process Design Document (PDD)](https://insights.btoes.com/topic/process-design-document-pdd) [Product Identifier Descriptions (PIDs)](https://insights.btoes.com/topic/product-identifier-descriptions-pids) [Python](https://insights.btoes.com/topic/python) [Quote to Cash (Q2C)](https://insights.btoes.com/topic/quote-to-cash-q2c) [Resilience](https://insights.btoes.com/topic/resilience) [SAP](https://insights.btoes.com/topic/sap) [Sales Quota](https://insights.btoes.com/topic/sales-quota) [Team Work](https://insights.btoes.com/topic/team-work) [Telecommunications](https://insights.btoes.com/topic/telecommunications) [Text Mining](https://insights.btoes.com/topic/text-mining) [Visually Displayed](https://insights.btoes.com/topic/visually-displayed) [Work Culture](https://insights.btoes.com/topic/work-culture) [master](https://insights.btoes.com/topic/master) [text analytics](https://insights.btoes.com/topic/text-analytics) [virtual resource management](https://insights.btoes.com/topic/virtual-resource-management)

## Media Partners

![](https://insights.btoes.com/hubfs/1-Sep-02-2022-11-48-39-42-AM.png)

![](https://insights.btoes.com/hubfs/2-Sep-02-2022-11-48-48-62-AM.png)

![](https://insights.btoes.com/hubfs/4-Sep-02-2022-11-49-00-44-AM.png)

![](https://insights.btoes.com/hubfs/3-Sep-02-2022-11-49-13-94-AM.png)

![](https://insights.btoes.com/hubfs/5-Sep-02-2022-11-49-24-60-AM.png)

![](https://insights.btoes.com/hubfs/6-Sep-02-2022-11-49-57-14-AM.png)

![](https://insights.btoes.com/hubfs/7-Sep-02-2022-11-50-08-10-AM.png)

## Featured Sponsors

![](https://insights.btoes.com/hubfs/60-1.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-08-19T142514.037.png)

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![](https://insights.btoes.com/hubfs/1-Feb-09-2022-09-01-22-17-AM-1.png)

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![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-03-03T184933.616-1.png)

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![](https://insights.btoes.com/hubfs/1-Sep-02-2022-11-30-15-50-AM.png)

![](https://insights.btoes.com/hubfs/2-Sep-02-2022-11-30-25-45-AM.png)

![](https://insights.btoes.com/hubfs/3-Sep-02-2022-11-30-31-60-AM.png)

![](https://insights.btoes.com/hubfs/4-Sep-02-2022-11-30-38-75-AM.png)

![](https://insights.btoes.com/hubfs/5-Sep-02-2022-11-30-44-52-AM.png)

![](https://insights.btoes.com/hubfs/6-Sep-02-2022-11-30-51-40-AM.png)

![](https://insights.btoes.com/hubfs/7-Sep-02-2022-11-31-00-01-AM.png)

![](https://insights.btoes.com/hubfs/8-Sep-02-2022-11-31-07-11-AM.png)

![](https://insights.btoes.com/hubfs/9-Sep-02-2022-11-31-13-66-AM.png)

![](https://insights.btoes.com/hubfs/10-Sep-02-2022-11-31-20-10-AM.png)

![](https://insights.btoes.com/hubfs/11-Sep-02-2022-11-31-26-16-AM.png)

![](https://insights.btoes.com/hubfs/12-Sep-02-2022-11-31-32-40-AM.png)

![](https://insights.btoes.com/hubfs/13-Sep-02-2022-11-31-39-45-AM.png)

![](https://insights.btoes.com/hubfs/14-Sep-02-2022-11-31-46-46-AM.png)

![](https://insights.btoes.com/hubfs/15-Sep-02-2022-11-31-53-27-AM.png)

![](https://insights.btoes.com/hubfs/16-Sep-02-2022-11-31-59-34-AM.png)

![](https://insights.btoes.com/hubfs/17-Sep-02-2022-11-32-21-45-AM.png)

![](https://insights.btoes.com/hubfs/18-Sep-02-2022-11-32-26-80-AM.png)

![](https://insights.btoes.com/hubfs/19-Sep-02-2022-11-33-44-16-AM.png)

![](https://insights.btoes.com/hubfs/20-Sep-02-2022-11-33-52-30-AM.png)

![](https://insights.btoes.com/hubfs/21-Sep-02-2022-11-33-58-70-AM.png)

![](https://insights.btoes.com/hubfs/22-Sep-02-2022-11-34-03-84-AM.png)

![](https://insights.btoes.com/hubfs/23-Sep-02-2022-11-34-08-90-AM.png)

![](https://insights.btoes.com/hubfs/24-Sep-02-2022-11-34-14-42-AM.png)

![](https://insights.btoes.com/hubfs/25-Sep-02-2022-11-34-20-42-AM.png)

![](https://insights.btoes.com/hubfs/26-Sep-02-2022-11-34-26-05-AM.png)

![](https://insights.btoes.com/hubfs/27-Sep-02-2022-11-34-31-47-AM.png)

![](https://insights.btoes.com/hubfs/28-Sep-02-2022-11-34-37-12-AM.png)

## Media Partners

![](https://insights.btoes.com/hubfs/1-Sep-02-2022-11-48-39-42-AM.png)

![](https://insights.btoes.com/hubfs/2-Sep-02-2022-11-48-48-62-AM.png)

![](https://insights.btoes.com/hubfs/4-Sep-02-2022-11-49-00-44-AM.png)

![](https://insights.btoes.com/hubfs/3-Sep-02-2022-11-49-13-94-AM.png)

![](https://insights.btoes.com/hubfs/5-Sep-02-2022-11-49-24-60-AM.png)

![](https://insights.btoes.com/hubfs/6-Sep-02-2022-11-49-57-14-AM.png)

![](https://insights.btoes.com/hubfs/7-Sep-02-2022-11-50-08-10-AM.png)

## Featured Sponsors

![](https://insights.btoes.com/hubfs/60-1.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-08-19T142514.037.png)

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![](https://insights.btoes.com/hubfs/1-Feb-09-2022-09-01-22-17-AM-1.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-02-22T144513.046-1.png)

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![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-03-02T222914.769.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-03-03T184933.616-1.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-03-07T234356.133-1.png)

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![](https://insights.btoes.com/hubfs/1-Sep-02-2022-11-30-15-50-AM.png)

![](https://insights.btoes.com/hubfs/2-Sep-02-2022-11-30-25-45-AM.png)

![](https://insights.btoes.com/hubfs/3-Sep-02-2022-11-30-31-60-AM.png)

![](https://insights.btoes.com/hubfs/4-Sep-02-2022-11-30-38-75-AM.png)

![](https://insights.btoes.com/hubfs/5-Sep-02-2022-11-30-44-52-AM.png)

![](https://insights.btoes.com/hubfs/6-Sep-02-2022-11-30-51-40-AM.png)

![](https://insights.btoes.com/hubfs/7-Sep-02-2022-11-31-00-01-AM.png)

![](https://insights.btoes.com/hubfs/8-Sep-02-2022-11-31-07-11-AM.png)

![](https://insights.btoes.com/hubfs/9-Sep-02-2022-11-31-13-66-AM.png)

![](https://insights.btoes.com/hubfs/10-Sep-02-2022-11-31-20-10-AM.png)

![](https://insights.btoes.com/hubfs/11-Sep-02-2022-11-31-26-16-AM.png)

![](https://insights.btoes.com/hubfs/12-Sep-02-2022-11-31-32-40-AM.png)

![](https://insights.btoes.com/hubfs/13-Sep-02-2022-11-31-39-45-AM.png)

![](https://insights.btoes.com/hubfs/14-Sep-02-2022-11-31-46-46-AM.png)

![](https://insights.btoes.com/hubfs/15-Sep-02-2022-11-31-53-27-AM.png)

![](https://insights.btoes.com/hubfs/16-Sep-02-2022-11-31-59-34-AM.png)

![](https://insights.btoes.com/hubfs/17-Sep-02-2022-11-32-21-45-AM.png)

![](https://insights.btoes.com/hubfs/18-Sep-02-2022-11-32-26-80-AM.png)

![](https://insights.btoes.com/hubfs/19-Sep-02-2022-11-33-44-16-AM.png)

![](https://insights.btoes.com/hubfs/20-Sep-02-2022-11-33-52-30-AM.png)

![](https://insights.btoes.com/hubfs/21-Sep-02-2022-11-33-58-70-AM.png)

![](https://insights.btoes.com/hubfs/22-Sep-02-2022-11-34-03-84-AM.png)

![](https://insights.btoes.com/hubfs/23-Sep-02-2022-11-34-08-90-AM.png)

![](https://insights.btoes.com/hubfs/24-Sep-02-2022-11-34-14-42-AM.png)

![](https://insights.btoes.com/hubfs/25-Sep-02-2022-11-34-20-42-AM.png)

![](https://insights.btoes.com/hubfs/26-Sep-02-2022-11-34-26-05-AM.png)

![](https://insights.btoes.com/hubfs/27-Sep-02-2022-11-34-31-47-AM.png)

![](https://insights.btoes.com/hubfs/28-Sep-02-2022-11-34-37-12-AM.png)

## Media Partners

![](https://insights.btoes.com/hubfs/1-Sep-02-2022-11-48-39-42-AM.png)

![](https://insights.btoes.com/hubfs/2-Sep-02-2022-11-48-48-62-AM.png)

![](https://insights.btoes.com/hubfs/4-Sep-02-2022-11-49-00-44-AM.png)

![](https://insights.btoes.com/hubfs/3-Sep-02-2022-11-49-13-94-AM.png)

![](https://insights.btoes.com/hubfs/5-Sep-02-2022-11-49-24-60-AM.png)

![](https://insights.btoes.com/hubfs/6-Sep-02-2022-11-49-57-14-AM.png)

![](https://insights.btoes.com/hubfs/7-Sep-02-2022-11-50-08-10-AM.png)

## Featured Sponsors

![](https://insights.btoes.com/hubfs/60-1.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-08-19T142514.037.png)

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![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-09-02T131325.986.png)

![](https://insights.btoes.com/hubfs/1-Feb-09-2022-09-01-22-17-AM-1.png)

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![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-02-21T211743.197-1.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-03-02T222914.769.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-03-03T184933.616-1.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-03-07T234356.133-1.png)

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![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-05-13T111448.224.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-07-19T185928.223-1.png)

![](https://insights.btoes.com/hubfs/BLOGS%20COMPANY%20LOGO%20-%202022-05-24T115149.013.png)

![](https://insights.btoes.com/hubfs/1-Sep-02-2022-11-30-15-50-AM.png)

![](https://insights.btoes.com/hubfs/2-Sep-02-2022-11-30-25-45-AM.png)

![](https://insights.btoes.com/hubfs/3-Sep-02-2022-11-30-31-60-AM.png)

![](https://insights.btoes.com/hubfs/4-Sep-02-2022-11-30-38-75-AM.png)

![](https://insights.btoes.com/hubfs/5-Sep-02-2022-11-30-44-52-AM.png)

![](https://insights.btoes.com/hubfs/6-Sep-02-2022-11-30-51-40-AM.png)

![](https://insights.btoes.com/hubfs/7-Sep-02-2022-11-31-00-01-AM.png)

![](https://insights.btoes.com/hubfs/8-Sep-02-2022-11-31-07-11-AM.png)

![](https://insights.btoes.com/hubfs/9-Sep-02-2022-11-31-13-66-AM.png)

![](https://insights.btoes.com/hubfs/10-Sep-02-2022-11-31-20-10-AM.png)

![](https://insights.btoes.com/hubfs/11-Sep-02-2022-11-31-26-16-AM.png)

![](https://insights.btoes.com/hubfs/12-Sep-02-2022-11-31-32-40-AM.png)

![](https://insights.btoes.com/hubfs/13-Sep-02-2022-11-31-39-45-AM.png)

![](https://insights.btoes.com/hubfs/14-Sep-02-2022-11-31-46-46-AM.png)

![](https://insights.btoes.com/hubfs/15-Sep-02-2022-11-31-53-27-AM.png)

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