To measure the effectiveness of this new language with consumers, agencies and Dufresne Corrigan Scarlett Plan.Net in partnership with the magazine and Influencia OpinionWay Studies Institute, created last year the Observatory of the advertising innovation. "There was no study to compare the bias of advertisers innovation and public perception," says Olivier Bronner.

Engagement Marketing

* The second edition of the Observatory of Innovation Advertising, whose results were published this summer shows that Chocapic that 3D technology called augmented reality on its cereal packets, and Aubade, who hosted a performing arts in the streets of Paris to present his website "French Art of Loving", stand for 82% of French as the most innovative. Their common? Both have relied on the use of new technologies and interaction with consumers.The winning cocktail, in fact.

"When an ad sends the product characteristics in a participative and fun, the consumer has the impression of being subjected to a purely commercial, but rather to be involved in a demonstration, decrypts the President Plan payday loans.Net. Engaged emotionally, the consumer becomes a "brand ambassador".

Thus, the concept of "Advertainment" – contraction of the English words "advertising" (advertising) and "entertainment" (entertainment) – has provided document. Kit Kat is required to third in the standings thanks to Christian, the hero of the series published by the mark in the magazine Closer. The Navy, meanwhile, was seduced by the reality TV. His campaign posted on the Internet is ranked ninth.

"Mix advertising and entertainment is now regarded as innovative by the general public," said the observatory. This blurring of boundaries is a game both ways. Witness the campaign by Intermarché for 40 years on the mode of "public-reality 'at large reinforcements of television spots featuring the host star of TF1, Denis Brongniart.

The challenge of credibility

Ranked eleventh out of twelve winners in this second edition, this campaign has not really appealing. 43% of French people consider innovative. "Advertisements should remain consistent with the idea that is the consumer brand." For advertisers, there is the legitimacy and credibility of their messages. "He must therefore respect the experimental basis of the relationship between the brand and the customer," warns Oliver Bronner.

Olivier Bronner, president of Plan.Net.

Residential Property and Casualty

Most dogs can be insured under the "liability" with the contract signed comprehensive home for the accommodation of their owners. It is nevertheless necessary to learn about the extent of the guarantee.Some insurers do not cover all the damages and provide for the retention of a franchise.

In addition, this type of insurance that takes into account the damage caused by dogs to others (people being run down, bites, car damaged when it struck …) If the damage takes place at the home of the owner, only insurance including a comprehensive coverage will pay for furniture. Furthermore, companies may make the acceptance of the contract to different criteria. The age of the dog is particularly taken into account. If the animal has never been satisfactorily and has over ten years, the coverage may be denied.But other features can also complicate the underwriting of insurance, such as whether the dog is used as part of an occupation, size or race.

The category of dog

Many news items in recent years have indeed tightened regulations. Three pieces of legislation have established a classification of animals known as "dangerous." Several breeds have been grouped into two categories: the dog considered "attacking" (Tier 1) those of "custody or defense '(category 2). However, the law requires owners to purchase liability insurance for such animals. If the contract owner's insurance does not cover these risks, most companies offer the added option by paying an additional fee.If this is not the case, the owner will change insurers and take out insurance with another company that offers this option because it can not be purchased independently of a housing contract.

Finally, we must know that all these contracts do not cover the costs of care for injuries suffered by the animal. This will require specific health insurance, whose coverage is also more or less extended from reimbursement of veterinary consultations, to support operations or vaccine in France only 2% of the animals have health insurance, against 80% in Sweden.

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The U.S. stock market could then recover a bit, after falling heavily on Tuesday night. They have been depressed by the announcement of resales of existing homes to a record low. The Dow Jones has sold 1.3%, barely above the 10,000 points, to 10,040.45 points exactly. Fears of a slowdown in economic activity grows with each new bad news in that order. Especially since U.S. growth should be revised down sharply on Friday.

Meanwhile, on Wednesday, the new macroeconomic indicators should be more optimistic than yesterday. Sales of existing homes could well rebound.Orders for durable goods may for them be more frank increase in July. An increase in relative terms, however, because it will rely heavily on transport, especially for orders received in July, at the last Farnborough Air Show (47 billion dollars in one week).

As for values, technology, which derive from several days down the coast, remain controlled. Especially since they are also often at the heart of big mergers and acquisitions.

Investors keep an eye on Cisco (-2.5% Tuesday in closing) and Dell (-3%), penalized by expectations of raising its bid for 3PAR.The maker of data storage systems has announced on Tuesday he gave three days at computer maker Dell to revise upwards its bid after bid "probably higher" Hewlett-Packard ( HP).

The saga of the hostile takeover of mining giant BHP Billiton (which today presents its annual results, with net profit more than doubled in 2009/10 to 12.72 billion dollars) on the King of Potash Fertilizer in search a white knight bounces. The U.S. stock regulator, the SEC said on Tuesday the freezing of financial assets of two Spanish, one part of Banco Santander, on accusations of insider trading in the attempted takeover of Canadian fertilizer producer Potash mining group BHP Billiton.On the occasion of the presentation of its accounts, however, BHP Billiton is used to calm speculation the event of any significant raising its hostile bid of 39 billion dollars (30 billion euros) Potash fertilizer leading manufacturer in the world, despite the magnitude of his war chest.

The U.S. computer giant Apple is close to a deal with media companies Disney and News Corp., parent company of TV channels, Fox series to offer their rent on iTunes, said Tuesday the New York Times.

Campbell, world number one soup, advances in its acquisition of Britain's United Biscuits, and more specifically, its branch Biscuits, which represents three-quarters of its business.

France, the ninth largest trading partner of Russia

Unlike the two previous visits of Russian leaders in the capital – in November 2009 and March 2010 – no significant agreement should be concluded. In recent months, Moscow and Paris live on their laurels: the future participation of EDF and GDF-Suez in the pipeline South Stream and Nord Stream, the cooperation of the manufacturer Safran construction project of Sukhoi Superjet 100, the Alstom entry in the capital of the manufacturer of trains, Transmashholding. No room for complacency in the face of inroads by Russian companies in Italy and especially Germany.France is the sixth investor in Russia and the ninth largest trading partner countries.

Ads should be reserved for the visit of Nicolas Sarkozy Economic Forum in Saint Petersburg, June 19, in the presence of Dmitry Medvedev: Arianespace is about to purchase Russian rockets, and Martin Bouygues person would enter the Board Skolkovo, a project of Sophia-Antipolis in Russian, which arouses the skepticism of business.

Negotiations on the Mistral

The future of bilateral economic relations is first suspended negotiations started for the purchase by the Russian navy, a helicopter carrier Mistral. Russia, which is counting on France to help modernize its economy, relies on the expertise of the hexagon.

But Paris is reluctant to give Moscow a part of the military technology of this building.It would, however, a "good deal for the French manufacturer," says Vladimir Putin. "A helicopter-carrier as it cost around 300 million euros," added the Prime Minister who wants to buy a copy and duplicating the other three shipyards in the country. The Franco-Russian friendship has its limits.

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The announcement comes one week after the U.S. government has revised upwards its forecast of 3% economic growth for the United States in 2010.

Deficits: Europeans have established a "substantial program"

Referring to the situation in Europe, Ben Bernanke said during a hearing before the Budget Committee of the House of Representatives in Washington, the Fed will remain "extremely attentive to developments abroad and its possible effects on the U.S. economy " Fast payday loan. He said however, "reassured by the answers of Europeans," holding that they have developed a "substantial program" to address their budget deficits."If markets continue to stabilize, it seems that the effects of the debt crisis in Europe on growth in the U.S. are likely limited," said Fed Chairman.

The World Bank predicts growth of 2.9% to 3.3% in the world. It anticipates a GDP between 5.7% and 6.2% this year for developing countries and between 2.1% and 2.3% for developed countries.

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At this conference, Steve Jobs should focus on news and updates available for this new iPhone.But then again, few surprises in the program: the company had already submitted the software that will be applied to the iPhone 4 as she presented the platform iad, allowing Apple to develop the market for advertising applications.

According to analysts, a real surprise could come from the announcement of an extension of the exclusive sales of the iPhone to Verizon. So far, only AT & T can sell the unit on the U.S. market. But again, the mere announcement of talks with Verizon would not be a revelation: more rumors, sometimes belied by the operator to move the subject on the canvas for several weeks.

The product's most profitable brand

Although there is hardly any surprise about the iPhone 4, Apple knows that this presentation could take effect with the customer.The iPhone remains an undeniable success for the brand and the popularity continues unabated since its launch in 2007. In the first quarter, Apple said it had passed 8.7 million iPhones, representing a sales growth of 131% over a year.

The turnover of the phone is 5.4 billion dollars against 3.76 billion to $ 1.3 billion for Mac and iPod. The widening gap so quickly that observers now expects a gross margin of between 50% and 60% for iPhone cons 20-30% for Mac. In other words, the iPhone product line will be more profitable for Apple.

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Sign of the times, promotion breaks the hut. The "promotional pressure, which measures consumer exposure prospectuses and offers on products, has never been higher. In ten years, the number of items sold in promotion almost doubled and the number of coupons has increased tenfold.On Google, "coupons" is one of the most frequent requests …

Steadily increasing the share of the turnover of retailers sold discounted up to 18%, according to IRI, a specialist market research. "The proof that the French are susceptible, and that the signs are not about to stop," says Yves Marin, founder of consulting firm Dashkoma. "The removal of a wave of prospectus may bring down the sales of a hypermarket 30%!" Says Alain Guinberteau, president of A3 Distrib, a company specializing in freelance prospectus.

The signs have no choice. Carrefour is participating with "Promo free" an escalation that led to the formation of a real bubble promotion.Under the Galland law, between 1997 and 2008, all food retailers have stepped up promotions to circumvent the prohibition of resale at a loss and restore purchasing power to clients. Result: a flood of offers increasingly sophisticated to become incomprehensible. "The bric-a-brac has created among consumers questioning the right price," said Elizabeth Exertier, Associate Director of Channel Marketing, another company of freelance.

"Offers free" cons "Guarantee promo"

For Carrefour, "Promo free" must mark a break and serve as a new "marker" for its price image, abused for several years on line pay day loans.Deployed on a large scale in its hypermarkets, but also in its supermarkets Carrefour Market stores and Carrefour and Carrefour City Contact, "Promo free" is also presented as a response to Leclerc, leading hypermarkets in France. The company is currently testing Brittany in 127 of its stores a new concept, "Guaranteed Coupon" which sifts through all the prospectuses of competitors in the areas concerned. Leclerc guarantees its customers a refund of the price differences between its products in-stock items and those coupon competitors. He will decide by summer whether it applies in all its stores.

"It's very clever, because Leclerc accredits the idea that promotional offers competing offer no interest," said Elizabeth Exertier. The system would also make savings on the prospectus. But Carrefour's response is also clever.The "Coupon free" outside the control that seeks to impose Leclerc "Warranty promo" because products sold on promotion are known at the time of checkout.

Vis-?-vis customers, distributors seek mainly to get easier. It is the stated objective of all signs and one of the reasons that also explain the rise of virtual prizes in recent years. Simply purchase several products to qualify for automatic discounts at the checkout.

The law of modernization of the economy has changed that. The arrival in 2000 of Long ticket, whose principle is to credit cards, customer loyalty when they checkout, is a page that retailers want to turn. The idea now is to ensure low prices permanent.Long hopes that his "promo Guarantee" has the same effect as "Ticket" it will have a concrete price image.

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Yields move away so the Greek benchmark, the German Bund, the gap between the two is widening to 400 bps (4 points). At the same time, the cost of insuring the debt of Greece, which evolves according to the rate, found levels of February, 400 points mid-afternoon, according to Markit surveys.

The weakening euro

Leaded by the Greek distrust of debt, the euro fell as well. Around 13:30 it was trading at 1.3346 to the dollar, after falling to 1.3326 dollars one hour earlier.Reached a floor more since the announcement of a plan of European aid for Greece, on March 26 last.

The markets react since Tuesday in part to a report released that day lending to Greek leaders intend to negotiate the terms of any financial assistance from the EU and IMF. Despite an immediate denial from the authorities of countries, markets have overreacted to information.

IMF teams arrived Wednesday morning in Athens to provide technical assistance to redress public finances. Their mission will last two weeks. The budget deficit, also revised upward, to reach 13% of the GDP against 12.7% of the initial estimate used as the basis for projections of the annual budget fast cash advance.But news of Greek economic, fiscal deficit for 2009 is revised upwards and could reach 13.5% or 14.3%, according to the newspaper Naftemboriki.

Economic forecast not reassuring

This renewed tension on the market does not bode well for the country that has yet to find 20 billion euros by the end of May to repay debt is estimated at 300 billion euros, or 113% of GDP. Macroeconomic statistics are not reassuring either. According to the European Commission, the economy needs to contract by 2.5% against 2% initially estimated.

Asian investors, including Chinese and Japanese funds, show little enthusiasm for the idea of buying Greek bonds. George Papaconstantinou, which announced its intention to borrow dollars, must travel to the United States after April 20 to find new potential buyers.

In this context, Greek banks, whose notes have been degraded in recent weeks and who face capital flight, have requested further financial assistance to the government. They want to benefit from funds remaining from the support plan, or about 17 billion euros, said the Greek finance ministry.

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These funds "come from $ 5.7 billion remaining of a loan made earlier by the government of Abu Dhabi and own resources of the Government of Dubai," the statement said.

Dubai World said that its total debt was 23.5 billion dollars but that the Dubai government had proposed to convert its equity share of 8.9 billion dollars, or 38% of total debt instant payday loan! !???!!!???!!!.The 14.6 billion U.S. dollars remaining will be reimbursed at 100% over a period of five to eight years, says Dubai World.

The total debt of Dubai, meanwhile, is estimated between 80 and 100 billion dollars but some experts say could reach $ 170 billion.

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LE FIGARO. – For 9.99 euros per month, which will service the right customers?

Pierre Danon. – The Prime Minister had asked the operators a triple play package of around 20 euros for the poor. Numericable goes beyond and offers 9.99 euros a month for 60 channels of television (DTT channels and a selection of foreign channels), Internet access at 2 Mbps and unlimited calls in metropolitan France.There are two requirements to be eligible for this offer: being beneficiary of the RSA or disabled adult allowance and live in housing benefit service unique digital Numericable.

Will you receive compensation from the state?

The universal service fund, managed by the Caisse des depots, should pay a subsidy of 4.21 euros per month per subscriber to Numericable. This package will therefore revert to 5.99 euros a month to subscribers, 4 euro is already included in the charges. I sent a letter yesterday with the offer to Prime Minister, Arcep and services Bercy. If they approve our offer within two months we could launch it this summer.

What advantage Numericable?

It is primarily a historical constant of the cable as being involved in social housing and community.On the other hand, Numericable, who will work with municipalities and departments on this job should be able to equip a large number of new homes. Some customers take the social tariff, but others choose our offerings more upscale. I think that with this offer we can win new customers. We are now at 25% market share on the recruitment of new Internet subscribers. This should enable us to progress further. Not to mention that in dealing with public housing offices, Numericable reduces acquisition costs and delinquency risks.

You had already launched in November offer "low cost" to 19.90 euros. What is the result?

This offer works very well. It represents approximately one third of our new subscribers. Auchan is also to engage the clutch on this niche, because there is a real logic to segment the market.They are not social but tender offers "low-cost targeted. For example, many people do not use the TV service yet they pay their standard Internet package at 30 euros a month. We must stop the dictatorship of the package at 30 euros, which was a stroke of genius Free, but has not moved for four years.

After Darty and Auchan Bouygues Telecom, will you welcome new operators on your fiber network?

We are in discussions with various partners, but he must first deal with the influx of new customers for our partners. Auchan has trained 1 200 hypermarkets in 72 vendors!

The picture improves Numericable does to customers?

Yes. Having been a champion of consumer complaints, admittedly, we're totally out of radar DGCCRF.The service was bad a year ago, we made a lot of work, it is now correct. And we will still improve.

Having renounced the 4th license, what are your plans in the mobile?

Our priority remains the fiber. On the mobile, we are virtual network operator Bouygues Telecom. We will soon launch a 3G and a key card offer prepaid. But we do not support the pedal fully, because we can not afford to spend millions of euros to acquire a subscriber base.In 2010-2011, Numericable focuses on profitable growth.

Are you still handicapped by the weight of your debt?

Having renegotiated our debt with the bankers in November, we loosened the noose and we are perfectly comfortable with our deadlines for repayment of 1.5 billion euros by 2014.

The connected TV is it a concern for you, whose job is to aggregate a bunch of strings?

It is a subject that we anticipated early 2009 with our range of interactive TV "2.0", and we continue to invest. We have discussions with several manufacturers of televisions. In April, Numericable present its first applications in the form of widgets available on the TV screen.We will launch thematic portals (youth, sports, entertainment …) which will become real media capable of guiding the client and recommend programs.