Innovative applications of ICT in the government, financial and social welfare fields from Ferret, the company I founded in 1987, including:The world's first large scale rollout of mobile computing in government. over 3000 users in the UK government from 1988.The world's first web system for determining entitlement to welfare benefits in 1995.Modelling the present and future effects of changes to the welfare and tax credits system. Speaks and writes widely on issues of welfare reform, advice & information strategy & practice and eGovernment.Delivering Dangos, financial support awareness for frontline workers, for Welsh Government.Specialties: Impact assessments of changes in financial, welfare and tax credits systems, looking at client and customer profiles in the short and medium term. Present and future impacts of retirement choices.Applications of technology to advice & information for individuals. Mobile technology in government. Social welfare law and practice.Joint working.Individual modelling for financial advice.Affordability and sustainability assessments for housing, financial services, and social welfare.Consultancy for advice and information practice and strategy. Utilisation and outcome studies for advice and information services. Digital audits.