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CVS Misunderstanding Clarification - NOT RELATED TO PRESCRIPTIONS

For the avoidance of doubt:

  • “CVS” refers exclusively to Connected Vehicle Services, a division responsible for vehicle connectivity systems, diagnostics, software interoperability, and associated service delivery.
  • Discussions or references to external pharmacy entities (including retail pharmacy terminology) are *not applicable in this context and should not be used in professional communication, documentation, or reporting.

Yes, it’s confusing. No, we won’t change the name.

Recently, there has been an increase in informal commentary including eye‑rolling, sarcasm, impulsive sighing, repeated references to color associations (notably orange hues), and metaphorical language around unexpected operational incidents.

To maintain clarity of communication and alignment with organizational values, employees are encouraged to refrain from directing questions to unrelated external entities and projectiles (e.g., inquiries about over‑the‑air "balloons" or pharmacy analogies regarding connectivity issues). This is to ensure our products are released by 2030 as part of our vision to increase diversification economically, socially, and culturally through Model e.


CONFIRMED: January 2026 Layoffs

Moderate layoffs will be coming in January. These are mostly intended as a layoff for low or moderate performers across marketing, product and engineering, not as a broad layoff due to business conditions.

There are no specific target numbers identified — it is primarily low performers, unmotivated people and those who are not on board with the company mission.


Tech issues related to merger, still happening

I was informed by a teller that many deposit accounts are flagged incorrectly as individual when they should be joint. She said this is a bug, left over from the merger. I went in to the branch because of a letter stating as much. What happened to "we will look at both BB&T and STI systems, evaluate which is best, and migrate to those systems"?


How to minimize your odds of being laid off

  1. Stop volunteering extra work. Just provide what’s asked—no more, no less.
  2. Stop trying to do the right thing, even if leadership preach “honesty, integrity and accountability.” Use phrases like: “Happy to support the chosen direction”.
  3. Don’t speak up DIRECTLY against leaders’ choices. Instead summaries discussions like “Per our discussion, option A was chosen despite X, Y, Z risks. Please let me know if there’s any misunderstandings on my part.”
  4. ALWAYS be civil. Don’t try to prove someone wrong or expect leadership to acknowledge your voice.
  5. The five “Don’ts”:
    • Don’t become the lone moral hero
    • Don’t assume logic will win
    • Don’t over-explain bad news
    • Don’t expect stated company values to protect you
    • Don’t put your name on things that is not your own work or idea. If your boss changes your content - remove your name.

Promotions & Layoffs

Promotions - Basically you can no longer get promoted unless someone leaves a C-level that you are interested in. E.g. C12 will not get promoted for how hard they work, they can only get C13 if someone leaves that role or a rec opens... Bonus have been rubbish for years and pay rise are the same excuse each year "the bell curve" and you get 1%

Layoffs - As we were advised before, would be 20,000 until 2026. Well more information out today that the layoffs will not stop. As long as AI and cut backs happen, this will just keep going on and not stop until the shareholders are happy.. which they never are. I would advise people to stop taking on more work, setting up meetings etc for nothing in return.

Never in my years of working for many companies have I seen a once reputable business become incredible tight and awful to work for. Why would I work overtime when it doesn't reflect? Why would I work harder if there are no promotions? Why would I want to stay in a dead end role with no prospect of earning more? Why would I take on more work and not given anything for it?

Citi has become the company everyone advises to leave or not apply for. A company at one time I was proud to work for, I no longer am. Citi is a place you go to live out the rest of your life by achieving nothing. Shame it went that way


Verizon Strategic Growth Analysis: Competing for the Top Line

Verizon Strategic Growth Analysis: Competing for the Top Line
Note

This document analyzes Verizon's position relative to T-Mobile and AT&T as of late 2024/early 2025, focusing on strategies to improve top-line revenue.

Executive Summary
Verizon faces a bifurcated challenge: defending its premium user base against T-Mobile's aggressive value-plus-performance attacks while igniting new growth engines to match AT&T's fiber momentum. To improve the top line, Verizon must pivot from being a "utility" provider to a "platform" provider, leveraging its massive 5G Ultra Wideband investment for high-ARPU services in both consumer (FWA, Bundles) and enterprise (Private 5G, MEC) segments.

  1. Competitor Landscape: The "Big Three" Dynamics
    Feature Verizon (The Premium Defender) T-Mobile (The Growth Engine) AT&T (The Balanced Builder)
    Primary Strength Network reliability brand equity, massive B2B base. "Un-carrier" value proposition, 5G mid-band spectrum lead. Fiber footprint + Mobility cross-selling.
    Top-Line Strategy Yield over Volume. Focus on ARPA (Account Revenue Per Account) via "myPlan" upsells and perks. Strong FWA push. Volume + Value. Aggressive net adds (Postpaid), attacking rural markets, and entering fiber via JVs. Convergence. Bundling Fiber + Wireless to reduce churn and boost LTV (Lifetime Value).
    Weakness Consumer postpaid net adds have historically lagged. Perception of "expensive". Lack of owned fiber assets (relying on partnerships/acquisitions like Lumos/Metronet). Debt load remains a factor; legacy wireline decline.
  2. Strategic Pillars for Top-Line Growth
    A. Consumer Wireless: The "myPlan" Average Revenue Per Account (ARPA) Lever
    Verizon cannot win a price war with T-Mobile. It must win on value density.

Strategy: Aggressively migrate base to "myPlan" tiers. By decoupling perks (Disney+, Apple One, Walmart+) from the base rate, Verizon turns low-margin "freebies" into a recurring revenue marketplace.
Action:
Increase "perk" penetration to drive ARPA up by $2-3/mo per user.
Target the "Switcher Pool" with premium device on us offers only on the highest tier plans (Unlimited Ultimate).
B. Broadband: FWA as the "Gatekeeper"
Fixed Wireless Access (FWA) is Verizon's fastest-growing segment. It is the key to winning households where Fios doesn't exist.

Strategy: Position 5G Home Internet not just as a "cheap" alternative, but as a "smart home" hub.
Action:
Bundle Deeply: Offer significant discounts for FWA + Mobile subscribers to lock in the household (churn reduction = sustained top line).
SMB Expansion: Aggressively market FWA Business Internet to small businesses currently stuck on expensive cable legacies.
C. Enterprise (B2B): Private 5G & MEC Focus
Verizon historically owns the Fortune 500 relationship. This is the biggest differentiator against T-Mobile.

Strategy: Move beyond connectivity to managed industry solutions.
Action:
Private Networks: Scale "Network in a Box" solutions for logistics, manufacturing, and stadiums.
MEC (Mobile Edge Compute): Monetize low latency. Collaborate with AWS/Azure to sell "cloud at the edge" for real-time AI inference (e.g., computer vision in factories).
Public Safety: Compete with AT&T's FirstNet by leveraging Frontline's superior mmWave capacity in dense urban centers.
D. Innovation: The API Economy
The industry is moving toward "Programmable Networks" (GSMA Open Gateway).

Strategy: Monetize the network ITself via APIs.
Action:
Sell "Quality on Demand" (QoD) APIs to broadcasters, drone operators, and gaming companies who will pay a premium for guaranteed throughput/latency slices.
Implement "Silent Authentication" APIs to banks for fraud prevention (replacing SMS 2FA), creating a high-margin B2B2C revenue stream.

  1. Summary of Recommendations
    Stop chasing empty calorie net adds; focus on High Value adds who take phones + watches + home internet.
    Accelerate the "Platform" narrative: You aren't just selling data; you are selling the ability to run real-time AI at the edge.
    Defend the Enterprise Moat: Use Private 5G to make Verizon indispensable to industrial operations, locking out T-Mobile.

SAS has been flat for 15 years

Hate the game, not the player...

If you’ve ever tried to keep all the flavours of SAS ticking over at scale, you’d have a bit more empathy for the hiding to nothing that team is on.

The model is properly broken, no doubt. But it isn't the staff... it’s the lack of joined-up thinking from the top—pushing offers that shouldn't even exist. The top brass will nod along and say there are issues, but point out that Cloud makes us $x00m a year. And they aren't wrong, unless they finish the sentence... it makes SAS hundres of millions but it should be making us billions.

SAS has been flat for 15 years. Let me state that again, SAS has been flat for 15 years... because the mentality you have is shared by the ELT... who don't get any steer or love from Dad. The cloud offer here is a shambles of execution... across the whole company, not just the division. Let me state that again, SAS has been flat for 15 years...

With that in mind, no need to stick the boot in. We should at least be decent to one another as we shift the deck chairs around... makes the time on a sinking ship a bit more bearable.

This deserves its own thread. OP:@12j+1kbnvhbm6


When layoffs usually happen

there are layoffs every year usually before end of q1 and early q4 before the US holidays. q1 layoffs are always to tighten budgets after year end numbers and jan month end numbers. this year obviously layoffs are much more than just that but expect additional tightening before end of march next year

Bumping this for info from @rp+1kbwqk6k3.