Incentive award and customer-centric loyalty program to promote loyalty to, participation in, and sales of the program administrator's and the participating partners' goods and services; promoting the goods and services of others by arranging for sponsors to affiliate their goods and services with an award program; incentive award program to promote support of and donations to charitable and eleemosynary organizations; incentive award program to promote civic volunteerism; administering and promoting the goods and services of participating partners of a customer loyalty program featuring an accumulation of points and points redemptions; providing and administering a program that allows consumers to self-identify areas of interest and to reward consumers for repeat and in-depth interaction with the program in the self-identified areas and with the goods and services of the program administrator