With the expansion of more projects on behalf of partners beyond NB, business analysis and selection processes have become more formal. This year for example, SNB will release new pricing policies and pricing guidelines and has created a more explicit business analysis process. A number of factors contributed to the necessity of this formalization. First among them is the disappearance of “low hanging fruit”. The new business opportunities and service expansions are more tractable and complex; carrying greater costs and risks. More effort is necessary to identify and select from among those projects that provide public value and are good business and those the provide public value but are not sustainable. SNB now requires business cases to be more explicit and formalized using standardized techniques and tools.