9 Suite of computer software programs for profitability management for use by telecommunications carriers featuring programs for predicting a subscriber's likelihood of churning, developing subscriber retention strategies, and maximizing the longevity of a subscriber; for predicting ongoing credit risks of existing subscribers and maximizing the collectability of a defaulting subscriber; for predicting the profitability of existing subscribers to the carrier and maximizing subscriber profitability to the carrier; and for predicting the profitability of new subscribers at the point of activation and maximizing new subscriber profitability to the carrier, and instruction and user manuals provided in connection therewith