35 MANAGEMENT CONSULTING AND ADVISORY SERVICES IN THE AREAS OF COMPENSATION, EMPLOYEE BENEFITS, ACTUARIAL AND RELATED MATHEMATICAL STUDIES, INCLUDING THE PREPARATION THEREOF, ORGANIZATION AND CORPORATE PLANNING, HUMAN RESOURCES PLANNING AND DEVELOPMENT, BEHAVIORAL SYSTEMS, HUMAN RESOURCE INFORMATION SYSTEMS, INSURANCE MARKETING AND INSURANCE RISK MANAGEMENT AND FOR THE CUSTOM PREPARATION OF PRINTED EMPLOYEE COMMUNICATIONS FOR A VARIETY OF ORGANIZATIONS