The term 'CONCEPT, IN COMBINATIONS' can be solved by the four letter word 'IDEO'. IDEO is a global design and innovation consultancy that helps organizations create new products, services, and experiences. It was founded in Palo Alto, California in 1991 and has since grown to include offices in the United States, Europe, and Asia. IDEO's approach to design combines creative and analytical thinking to solve complex problems and create meaningful solutions.