Keynote's competitive intelligence studies provide insights into Web
auto insurance industry trends and service level and customer
experience competitive benchmarks of leading auto insurance Web sites.
Keynote Systems , Inc. (C) 2005 Keynote Systems,
Inc.

-- Presents an up-to-date discussion on how corporate scandals, such as
Enron occurred, together with retrospective analysis of the behaviour
of public ratings to them.

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----Keynote Systems
(Nasdaq:KEYN)

Ability to Do Research and Get Quotes Primary Driver for
Online Purchase

First Comprehensive Competitive Benchmark Study of Auto
Insurance Websites

Progressive, Allstate on Top of Customer Experience Rankings

GEICO And State Farm Dominate in All Ten Key Service Level
Performance Factors

New competitive intelligence from Keynote Systems (Nasdaq:KEYN),
The Internet Performance Authority(R), reports that the Web is the
primary resource for auto insurance consumers with 87 percent visiting
sites with the intention of obtaining a quote and 58 percent willing
to purchase auto insurance online.
The Keynote Service Level Rankings examined service levels at
leading auto insurance sites, testing speed and reliability by running
5000 simulated transactions on each site. For more information about the full
reports or to purchase the reports, visit:

-- Keynote Customer Experience Rankings for Auto Insurance Web
Sites
http://www.com/solutions/service_level_management .

preface dissertations

The results of two companion
studies in the Keynote report (the Keynote Customer Experience
Rankings for Auto Insurance Web Sites and the Keynote Service Level
Rankings for Auto Insurance Web Sites ) indicate that auto insurance
Web sites that provide comparative quote information and in-depth
research have a significant advantage over competitors.com
Fax: +353 1 4100 980

Normally a link will bring the reader to a specific paper however collections of papers on specific topics or perspectives or by specific authors may also be linked.

argued vechta

The Keynote studies evaluated the Web sites of the following auto
insurance companies: AIG, Allstate, American Express, Esurance, GEICO,
GMAC , Liberty Mutual, Met Life, Nationwide, Progressive and State
Farm.
Progressive, Allstate and State Farm led the overall customer
experience rankings with superior online quote and research processes . "That is precisely why the Keynote Service Level
Rankings measure which companies' sites provide excellent technical
performance, including high reliability, error free processes between
tasks and fast page downloads, to support an overall quality user
experience. Keynote's research
provides critical business insight into online customer experiences,
industry trends and competitive Web strategies for a variety of
vertical industries.html

About Keynote

Founded in 1995, Keynote Systems (Nasdaq "KEYN"), The Internet
Performance Authority(R), is the worldwide leader in e-business
performance management services.

sociological preface

GEICO led in response time consistency and had the
least amount of outage hours. Keynote's
SLM solution suites offer a comprehensive approach to the problem of
managing e-business service levels effectively for IT, for application
deployment and support personnel, and for e-business executives. Over 2,100 corporate IT departments
and 16,000 individual subscribers rely on Keynote's growing range of
measurement and monitoring, service level and customer experience
management services to improve e-business performance by reducing
costs, improving customer satisfaction and increasing profitability.

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4% uptime, indicating
that leading industry sites proactively monitor and focus on site
quality and health. Other trademarks are
the property of their respective owners .

-- Discusses the possible flaws associated with the dependence on external
ratings in particular situations.

benschop replicating

Bonny Brown, director of research
and public services for Keynote.
Consumers were particularly fond of Progressive's detailed quote
comparison chart, giving the auto insurer high marks for providing
competitive quotes on its own site. Satisfied consumers are not likely to abandon the quote or
purchase process, so Web site performance is critical to overall site
success . is headquartered in San Mateo, California
and can be reached at www. at (650)
403-2400.researchandmarkets .

corollary qualitative

About Keynote Customer Experience Research

Keynote is the leading provider of customer experience research
services, offering both syndicated and custom research examining
consumer attitudes and behavior on the Web. DUBLIN, Ireland, Research and Markets
(http://www.researchandmarkets .

Contents include:
- The A to Z of Standard and Poor's Ratings
- Historical Corporate Rating Migration, Default and Recovery Rates
- Cyclical Effects in Credit Risk Ratings and Default Risk
- An Analysis of the Credit Rating Industry
- The Meaning of Agency Ratings: A Behavioural Model of Rating Assignment
- Hybrid Contingent Claims Models: A Practical Approach to Modelling
Default Risk
- Revisiting Credit Scoring Models in a Basel II Environment
- Credit Scoring for Corporate Debt
- Scoring and Validating Techniques for Credit Risk Rating Systems
- Replicating Agency Ratings through Multinomial Scoring Models
- Capital Ratios and Credit Ratings as Predictors of Bank Failures
- Regulatory use of Credit Ratings: Implications for Banks, Supervisors
and Markets.

qualitative prevailing

com or by phone in the U.

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keynote.
Additional contributions come from regulatory bodies and academics
involved in the credit ratings process.

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The studies, the Keynote Customer Experience Rankings for Auto
Insurance Web Sites and the Keynote Service Level Rankings for Auto
Insurance Web Sites, which may be purchased together or separately,
provide in-depth competitive analysis of the Web auto insurance
industry and contain hundreds of additional data points and a detailed
analysis of study findings.
Keynote CE (CE) Rankings are available for a number of industries
including the retail, banking and credit card industries, as well as
several travel verticals, including the airline, cruise and rental car
industries.com/solutions/cem_syndicated_research .keynote.

The academic papers in this category include articles, thesis, dissertations and so forth, but not abstracts, that are available to read immediately via the internet.

qualitative aems

In addition to traditional opinion data,
Keynote's proprietary research technology and access to a pool of
160 ,000+ panelists allows for the collection of detailed qualitative
and behavioral data that inform its reports.keynote.com/reports/c14350) has announced the addition
of Credit Ratings: Methodologies , Rationale and Default Risk to their
offering.

prevailing quantitative

Unless critical quote and online purchase
pages load quickly and reliably for consumers in various geographies
and on different connection speeds , end-users will be unable to
unleash the full potential of the convenient online functionality and
valuable content," said Chris Loosley, general manager, service level
business for Keynote. Additionally , half of the industry-leading sites
exhibited strong reliability with better than 99.html

About Keynote Service Level Management and Syndicated Research

Keynote Service Level Management (SLM ) solutions provide
enterprises with the tools to align IT and e-business goals.

vechta argued

"Our market intelligence shows that
consumers are very likely to comparison shop and to purchase online."
In a major finding , Keynote reported that more consumers obtain
auto insurance quotes online (68%) than over the phone (55%). To
better facilitate the quote process, consumers turn to the Web for
convenience and background information on policy coverage.

Keynote, The Internet Performance Authority and Perspective are
registered trademarks of Keynote Systems, Inc.

All items in this category are written from a sociological perspective, deal with an empirical or theoretical issue and follow standard academic conventions for discourse and citations.

pca arising

com/reports/c14350

Laura Wood
Senior Manager
Research and Markets
press@researchandmarkets.

differs dissertations

Auto Insurance Web Sites the Primary Consumer Source for Quotes Reports Keynote

Business Editors/High-Tech Writers

SAN MATEO, Calif. In addition , consumers responded
favorably to Progressive's online guidance for decision making, easy
to complete forms, customizable coverage options, and frequently asked
questions links.keynote.com/solutions /slm_ce_auto_insurance.

benschop preface

Keynote is viewed as The Internet Performance Authority due to the
company 's global infrastructure of over 1,600 measurement computers in
more than 50 cities worldwide that capture and store on a daily basis
over 60 million Internet performance measurements, frequent media
citations quoting Keynote's Web performance data and analysis, the
company's market-leading Web performance indices for vertical markets
and leading customer research that provides critical business insight
into online customer experiences, industry trends and competitive Web
strategies.

argued vechta

-- Provides a unique insight and overview into the many types of ratings
that are in use today enabling you to compare and contrast the benefits
as well as the potential pitfalls and peculiarities of the various
systems.

-- Designed to help you implement or assess your own internal credit
ratings systems with an overview of what is currently available and
will alert you to possible problems with individual ratings systems.

-- Will help to ensure your internal credit rating systems are in line
with current regulatory requirements by presenting background
information on the new Basel 'Internal Ratings Based Approach' as well
as drawing upon relevant case studies that have been carried out on
banks preparedness for this.

benschop methodological

In order to stay competitive, auto Insurance companies need to make
sure their sites positively impact their brand reputation and make it
easy for prospective customers to research and purchase products on
their web sites. Customer frustration was experienced on industry
sites that weren't able to deliver quotes, detailed information on
premiums and deductibles, or guide consumers through their
transactions. To benchmark leading auto
insurance sites in customer experience, the Keynote Customer
Experience Rankings examined 2,000 consumers as they interacted with
10 leading sites, capturing more than 250 behavioral and attitudinal
data points for each consumer.S.
- Regulatory Capital Based on Bank Internal Ratings of Credit Risk
- Supervisory and Regulatory Concerns Regarding Bank Internal Rating
Systems
- Regulatory Issues on Credit Ratings
- Credit Culture
- Internal Risk Rating Systems
- The New Capital Accord and Internal Bank Ratings
- Designing and Implementing Effective Credit Rating Systems
- Preparing for the Internal Ratings-Based Approach
- Some Evidence on the Consistency of Banks' Internal Ratings
- Measuring Portfolio Credit Risk with Default Experience Statistic (DES)
- EL and DP Approaches to Rating CDOs and the Scope for "Ratings Shopping"
- Rating Based on Credit Portfolio Models

For more information visit
http://www.

benschop nigel

"The Web has caused dramatic shifts in the way consumers research
and buy auto insurance," said Dr."
GEICO, State Farm and Liberty Mutual were the leading sites in
overall service level rankings and maintain high site quality , with
GEICO and State Farm dominating in most of the ten key performance
factors measured.com /solutions/cem_ce_auto_insurance.
To learn more about Keynote's syndicated research offerings and
for a list of the various vertical industry reports that are
available, visit:
http://www.
To learn more about Keynote's SLM solutions visit:
http://www.

underprivileged sociology

Research and Markets: Credit Ratings: Methodologies Rationale and Default Risk

benschop preface

Overall, auto insurance Web sites have
excellent dial -up performance, making them accessible to a wide range
of online users.

nigel peculiarities

(Logo: http://www .newscom.com/cgi-bin/prnh/20040820/RESEARCH )
The only title that combines discussion and analysis on the methodologies
employed by the major rating agencies together with those actually implemented
internally by credit practitioners from financial institutions.

dissertations replicating

"Excellent customer experience also depends on the health of the
Web site application itself.html

Keynote Systems provides a full range of measurement and
monitoring, service level and customer experience management services .

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html

-- Keynote Service Level Rankings for Auto Insurance Web Sites:
http://www.keynote.

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