Dr Stephen Hill is e-Crime and Fraud Manager at Chantrey Vellacott. He lectures widely on fraud awareness, particularly on identity theft and internet fraud. He is a Director and Trustee of the ICAEW Fraud Advisory Panel and sits on the Cybercrime working group with colleagues from SOCA, the Home Office and the private sector.

Acknowledgements.- A Framework for Decision.- Application 1: The Overdraft Optimisation: Reasoning at the Margin Application.- 2: A Computer Based Approach to Linear Programming Profits and Objectives Application.- 3: Dominant Share-ownership and Profitability Uncertainty: Managing the Future Application.- 4: Sainsburys and a Haul of Contraband Butter Demand Theory and Estimation Application.- 5: Forecasting Production Application.- 6: The Flow of Oil Cost Theory and Estimation Application.- 7: Size and Efficiency in the Building Society Industry The Competitive Environment Application.- 8: Late Entry and Competitive Survival, The Case of Synthetic Fibres Pricing Decisions Application.- 9: Pricing Estate and Saloon Cars Marketing Decisions Application.- 10: Worldwide Computer Corporation Inventory Decisions Application.- 11: Reading Electricity Meters Employment and Labour Management Decisions Application.- 12: Output Elasticity in the South Wales Engineering Industry Investment Decisions Application.- 13: The Social Return on Investment.- Concluding Remarks and Neglected Decisions.