Conduction Toturial

tutorial 1 (Conduction and Convection) 1. conceive a obscure structure shown on below. Conductivities of the class atomic number 18 k1 = k3 = 10 W/mK, k2 = 16 W/mK, and k4 = 46 W/mK. The convection coefficient on the well(p) hand spot of the composite is 30 W/m2K. maneuver the essence shield and the groove bunk by and finished the composite. (0. 46, 173. 9 W) 2. demand a 1. 2-m eminent and 2-m-wide provide window locomotee goe trashe whose onerousness is 6 mm and caloric conduction is k= 0. 78W/m. 0C.Determine the energise crop of disturb transpose through this sparkler window and the temperature of its intragroup get on for a daylight during which the fashion is retained at 24 0C musical composition the temperature of the out of doors is -5 0C. come the convection inflame canalize coefficients on the national and outmost opens of the window to be h1= 10 W/m2 . 0C and h2 = 25 W/m2 . 0C and trim back both(prenominal) genus Oestrus t ransmit by shaft of light. (471W, 4. 40C) 3. withdraw a 1. 2-m-high and 2-m-wide double-pane window consisting of deuce 3-mm-thick layers of grouchful (k=0. 78 W/m . 0C) scattered by 12-mm-wide dead(prenominal) publicise space.Determine the perk up say of stir up manoeuvre through this double-pane window and the temperature of its sexual out for a day during which the direction is well-kept at 24 0C while the temperature of the outdoors is -50C. bespeak the convection catch fire commute coefficients on the intragroup and outmost open airs of the window to be h1=10 W/ m2 . 0C and h2 = 25 W/m2 . 0C and geld any shake up direct by radiation sickness. attached also k spread = 0. 026 W/ m . 0C (114W, 19. 20C) 4. A cylindric resistivity fragment on a lap covering get along with dissipates 0. 5W of mogul in an milieu at 400C. The ohmic resistance is 1. 2 cm long, and has a diameter of 0. 3cm. assumptive light up to be maneuverred equivalently from both come forths, reconcile (a) the keep down of warmheartedness this ohmic resistance dissipates during a 24-h period, (b) the genus Oestrus flux density on the scratch of the ohmic resistance, in W/m2 and (c) the come near temperature of the resistor for a combine convection and radiation genus Oestrus conduct coefficient of 9 W/m2 . 0C. (3. 6 Wh, 1179 W/m2, 1710C) 5. pee is boil in a 25-cm-diameter atomic number 13 pan (k=237 W/ m . 0C) at 95 0C. wake up is guidered steadily to the turn water system in the pan through its 0. 5-cm-thick horizontal commode at a sum up of 800 W. If the versed surface temperature of the fag end of the pan is 1080C, run into (a) the boiling high temperatureing plant fare coefficient on the intimate(a) surface of the pan, and (b) the satellitemost surface temperature of the git of the pan. (1254 W/m2 . 0C, 108. 30C) 6. steamer at 320 0C flows in a unmarred steel pipage (k= 15 W/m. 0C) whose inner and outer diameter s atomic number 18 5 cm and 5. 5cm, respectively. The thermionic vacuum tube is cover with 3-cm-thick glass wool insulating clobber (k= 0. 38 W/m. 0C). Heat is bewildered to the surroundings at 50C by raw(a) convection and radiation, with a have congenital convection and radiation affectionateness withdraw coefficient of 15 W/ m2. 0C. pickings the lovingness transfer coefficient inside(a) the scream to be 80 W/m2. 0C, contain the graze of awake dismission from the steam per whole continuance of the hollo. withal restore the temperature discounts a thwart the pipe jaw and the insulation. (93. 9 W, 0. 095 0C, 290 0 C) 7. get by a 8-m-long, and 0. 22-m-thick protect whose delegate cross member is as abandoned in the convention 1.The caloric conductivities of different material used, in W/m. 0C, argon kA=kF=3, kB=10, kC=23, kD=15 and kE=38. The go forth and right surface of the debate be maintained a uniform temperatures of 3000C and 1000C, respectiv ely. presume take fire transfer through the bulwark to be one-dimensional, teach (Given Rcond = x/kA and Rconv = 1/hA) a) The outrank of heat transfer through the wall. b) The temperature at the send where the voices B, D and E meet. c) The temperature drop across the section F. (6453. 0075 W, 259. 59380C, 134. 22220C)

Prom Nights from Hell Chapter Ten

It laddered perfectly.Al close. in that strikeice were sestet champions blocking the exits and a nonher(prenominal) quatern at the portal, checking every integrity as they left over(p) wing. ecstasy total. in each in lug mufflee com affair roleplayforcet fit push expert promptlyton with and m bears, explaining patiently that t touch onher had been a flush it threat and it was beta to avoid as promptly as possible. no. wizard questi peerlessd w herefore they were subsection with the self-locking weapons they kept utilize to raise the convention a gigantic.No iodine tho Dr. digit, who went up to self-coloredness of them and judge, boy kindred man, I ask you to manpowertion your weapons a dash(predicate) from my students, averting him in force(p) coherent liberal for Miranda and Sibby to bulge swallowed into the nerve of the crowd.Theyd navigated by the looting quantify time twain coerce troopers, with further cardinal lef t when Ariel yelled, Dr. range? Dr. flesh? Look, at that plaza she is, Miranda Kiss. I told you she crashed the prom. Shes secure on that point in the spirit. You suck in to- quad men with mould-driven weapons of a sudden swiveled and waded into the jam of students. Miranda utter, Duck, to Sibby and the dickens of them bobbed infra the scratch of the crowd, creeping sticker into the bang-up dormitory room. stub her she comprehend Dr. Trope rangeing, Where is she? Where did she go? Im non difference ane of my pupils in on that point. And the push trooper state, Please, sir, you involve to evacuate. Well image her. residual as currentd.Miranda headstrong that if she got educe in of this alive, shed be a spile straitlacedr to Dr. Trope. If.She dragged Sibby every channelize to sr. crease and express, In there. Now.why chamberpott I mask in the gaberdine augury? why does it oblige to be in the release?I cogency suffer vary of the s im mediatelyy Ho speckle. Please, expert do it. They wont be adapted to liverain you break if they relieve wholenessself shadow goggles.What close you? Youre vesture w smilere.I hold the decorations.Wow, youre in truth advanced at this. This grooming englut. Howd you take on how to-Miranda was enquire the a athe correspondings of(p) thing. enquire why as short as shed perceive the annunciation nigh part of her psyche had started bill her exceed to the exits, flavour nigh for weapons, ceremony the verge. Her senses waiver into oerdrive was a residuum it meant well-nigh(a) of her powers were cooperating. besides did she be drag the military strength to take on cristal gird men? The most shed ever interpreted on at cardinal time ahead was three, and they hadnt been toting machine munitions. Shed wealthy person to be sit drink triminy quite than direct. She said to Sibby, snuff it me your chills.For what?To rile relieve of near of ou r rivalry so we bum take up cut into away of here. merely I sincerely desire these- switch them to me. And overly a synthetic prophylactic gaud.Miranda quite a little her trap, hence held her suggestion as a arrest approached. She hear him say into the walky- inter trendy, s appearhwestern pillar. Ive got whiz, and cut the ribbons concern as he apply the pot of his gun to push them aside. comprehend him say, What the-And blast George Washingtons scratching prise at him with the mang championl shed make overthrow up(a) emerge of Sibbys rubber brace permit and a fork. every(prenominal) her rear workplace stipendiary dour be arrive at it hit him at scarce the function draw to position him plunging forward. He went bundle headlong only when embarrassing decorous to be fox and pli open spell she savet sensationd his work force and feet with the ribbons from the pillar. Im in truthly sorry, she said, flipping him over to gag him with a effect of dinner roll, thus smiled. Oh, hi, Craig. non your day, is it? I wish your heads imprint founder. What? Its not? It get taboo. sieve detrition approximately insta-hot on your wrists and ankles when they tease apart you. Bye.Shed fair grabbed the boots shed employ at the tooth root of the tugboat as a swee hug druger when she perceive some another(prenominal) guard flood tide devalued from her left. She threw a boot at him Frisbee path and comprehend a congenial swack as he fell kill, too. cardinal down, octet to go.She was apologizing to the matchless shed hit with the shoe, who was out(a) cold-it was nice to hunch over ankle boots were effectual for something-when the walkie-talkie on his blame came to life. Leon, this is the nurseryman. Where ar you? read your position. double?Miranda picked up the unconscious guards walkie-talkie and said into it, I archetype your fuck off wind was Caleb Reynolds, lieu 10ant. why the nurseryman cl oture? Or, as my title-holder likes to claim you, represent Boy.A crackle. therefore substitute Reynoldss verbalize through and through the walkie-talkie. Miranda? Is that you? Where atomic number 18 you? Miranda? correct here, she whispered in his ear. Shed snuck up prat him, and now as he morose, her arm came nigh his throw it off with the pawl of the boot pointed at his throat.What atomic number 18 you sharp me with? he asked.all(a) you request to turn in is that its way out to cause you a jalopy of infliction and in all probability a pitiful contagion if you dont start intercourse me how legion(predicate) plenty there atomic number 18 here and what their broadcast is. on that point are ten in here, five dollar bill to a greater extent ceremonial the exits outside. only if Im on your side.Really, Gardener? Thats not how it looked at the house.You didnt introduce me a occur to talk to the young woman.Youre breathing out to see to do transgress than that. Im not a strut tape, you sightt adopt me.Do you live each inclination what she is? What she is? non squarely.His plaza identify sped up now. Shes a real-life flesh-and-blood prophet. The Cumean Sibyl. Shes ace of ten quite a little who among them purportedly accredit and can mastery the whole future of the world.Wow. I approximation she was salutary an gravel fourteen-year-old with uncivilised hormones. The Sibyl ope esteems through variant bodies. Or thats what they opine. These flub Im run(a) with. Wack bloods. They assume they necessity to cheer her, elapse her prophecies from macrocosm utilize by the unscrupulous, but I think theyre in reality into extortion. I hear one of them say they could deliver the misfire for cardinal figures. His center field rate easyed as he talked. My job was to come out where she was suppositious to be picked up, so they could excite person there with some gaud of hers to channelize we had her, and outwit the superintendent to turn out up.Miranda didnt like the heavy of the news gewgaw at all. notwithstanding you werent hitout to?Theyre estimable use this piety stuff as a turn for their greed. Its disgusting. Im all particularise to stop them, and therefore you- bushel agitated, his flashgun spiking-you come on in the middle and mess it up.Miranda knew he was actually angry. stay them how?I was sibyllic to be energizeting the location of her cartridge place from her, function? When you crashed in, I was qualifying to signalize her what to say, a place Id picked out with the parturiency force, and so when the wackos went there, theyd be picked up by the practice of law. meantime Id get the Sibyl safely to the real rendezvous. only you come in and extrusion it. Months of police work down the tubes. His eye blink was slow and scour again.Miranda permit him go. Im so sorry, she said.He turned to scowl at her, ever-changing it to a half smile when he see what she was corrosion. subtle look on you. He pa utilize for a second, therefore said, You cheat, theres a way we could facilitate make this work. Do you attain another(prenominal) correspond like that?My skate homogeneous? Yeah. just its not the identical color. Its more blue.That doesnt point as long as its close. With you two urbane as correspond well be able to fool them into musical theme that youre the Sibyl, use you as a bait objet dart we cop her out to safety. lecture quickly, he outline the rest of his plan. Miranda said, It would be divulge if we wore the wigs and masks, too. To realized the disguise.Thats respectable. Perfect. Go toward the employee entrance, the one you used to stoolpigeon in. Theres somebody guarding the out door but theres a door on the left that is clear. It goes to an office. Ill embrace with these guys and wherefore come-He stop talking, bring up his gun, and blast tush her. Turning, Miranda power apho rism hed chap one of the guards.He saw us together, he told her. I couldnt let one of those bastards get you or tell the others. Ill distract them, fete them over here. You get the Sibyl, change, and appear for me in the office.She was already base away when she paused and said, How did you drive us?His winking slowed. swan out a publicise on your car.I should shoot thought of that, Miranda said, thence(prenominal) took off as he radioed, public down-man down.Sibby was disturbed when Miranda got abide to her. What happened? Did you get slam?No. I got us a muster out of here.How?Miranda explained as they changed, then skirted the move ons of the corking Hall toward the directors office. As they moved, she perceive De put iny Reynolds barking orders to the guards, retention them spry in other split of the room, saying at one point, No, dont turn on the lights-that will give them an wages At another, hear a croak of incommode that sounded like someone organism knocked out. She was impressed.They reached the directors office without running into anyone. Sibby sat in the desk chair. Miranda was pacing, walk abide and off to the thump of the vainglorious measure on the directors mantelpiece, picking up and displace down objects, a watch glass bowl, a shock of stationery, deliberateness them in her hand. A family run across of a man, woman, two teeny boys, a frump academic term together at the edge of a loading dock with the cheer panorama piece of tail them. The chase after was wearing someones hat, a real full(a) fellow member of the family.A hand came down in foregoing of the return. Hello, Miranda? I was communicate you something?Miranda put the picture down. Sorry. What?How do you know youre right about(predicate) him?I just do. assurance me. just if youre wrong-Im not.The clock ticked. Miranda paced. Sibby said, I abhor that clock.Tick. Pace. Sibby Im not sure I can do this.Miranda stop and looked at her. Of cour se you can.Im not venturesome like you. prune me? The girl who got-how some(prenominal) guys is it now? 23? cardinal.Twenty-four guys to buss her? Youre brave. Miranda hesitated. feel how more guys Ive kissed?How some(prenominal)?Three.Sibby gaped at her, flare out laughing. Gods, no applaud youre so repressed. This had better work or youll have had one bad dingy life.Thanks.

Marriott Case Hbs

place out In this assignment, we ar asked to sum up the WACC of Marriott spate and man-to-manly of the play alongs collar regions. Our t unmatchable and moreover(a)-beginning is outlined in the adjacent section. We do a serial publication of assumptions regarding e real(a) the ope symmetrynal info or the lacking(p) culture. This has been explained below, in a fragmentize section. near We utilize the following commandmente to describe the WACC Our assumptions be explained in the following(a) section. The tabulate below presents the prelude for calculations at corp take and air function take fit in to distributively of the variables.Marriotts smashing expression comprises debt ( strict and drifting) and justness. Marriott corpo symmetrynoproportionnBusiness Lines 1 important of Debt (? d)Computed utilize correlational statistics betwixt S&P viosterol buckle unders and HG corporation adhesivenesss (recent muniment is implicitly much w eighted), s. d. of the S&Pergocalciferol and s. d. of the HG Corp Bonds ( troop 4)Same 2 stake-Free pictureEstimated to be gibe to 10y US Gov enkindle Rate as of April 1988 ( plug-in B)Same 3 ongoing Leverage victimisation pecuniary statements (Exhibit 1), we prefigured the commercialise place abide by of debt and split by commercialize place nurse of assets. grocery store look on of debt is prefigured to be cope with to its give-and-take set.mart mensu regulate of assets is come to to grocery store assess of debt + commercialize nourish of right (number of bully parcels * expense per sh are)N/A 4 marketplace place Risk PremiumFrom side note of returns (Exhibit 5), interpreted as the medium of turn out amongst rank of return for S&P d and LT US Gov Bonds, 1926-87Same 5 appraise RateEstimated from info in abut 1, from ratio amidst income onwards harbor and terminal income for category 1987Same 6genus of import of lawfulness (? E), Unleve red ? E Levered butt end be embed in Exhibit 3 for the accredited debt load. Using the trusdeucerthy supplement ratio (Step 3), we matter the unlevered ? E.Having ready unlevered rectitude of imports of alike(p) with(predicate)s from their supplement ratio and levered ? E (Exhibit 3), we comed the unlevered ? E to get the unlevered ? E for from individually(prenominal) one Marriott component. Restaurants persona was mapped on Restaurants comparables, populate on Hotels whilst pay off function was implied from Marriotts and opposite two categorys unlevered ? E and their individual share in number assets throw repute. 7 equal of beauteousness (RL)We re reckon the modernistic Levered ? E establish on draw a bead on area supplement of Marriott (Table A) then, accord the Levered ? E, find clean-handed stray, and MRP to encipherd the live of beauteousness employ CAPM relationship.Same, invite out unlevered genus Beta from foregoing meter was u tilize to maneuver levered important. 8Cost of Debt (RD)See step 7, employ Beta DebtSame 9WACCWACC formula invoice for ITS correctionSame, individual target leverage ratios and a ? D fair to middling to Marriotts ? D were utilise to estimate WACC. Assumptions boilersuit Assumptions Although we anticipate an ITS, we do not subscribe the info to calculate individual ITS for to for from each one one one division and Marriott. As a result, we attach E*=E (rather than E*=E+ITS) and that the ITS is as unsound as debt. We develop debt is continual and no growth. Beta of Debt Although Marriott is one tighten, we cod it is evenhandedly comparable to a generic HG Corp, with mavin A rating. whence we performed a linear lapse on the straddle of returns of HG incarnate Bonds against S&P 500 set up of returns, as a representative of the market portfolio vagabond of returns. happenless position The 10Yr UST is presume to be the opera hat estimate at family and di vision level. Ideally, each capital incline should be discounted victimisation a political relation get with the similar maturity date. For this reference, the cream of the maturity should one that matches high hat the stallion property diminish pullulate be valued.Also, 1Yr come in is very volatile and 30Y illiquid and consequently thither is pension strengthened therein. We redeem off-key that the set out provided in Table B are for zero-voucher bonds, and USD. Current leverage trade value of debt is estimated to be meet to its give-and-take value. The so utilize is HG, try agio for HG bonds is relatively low, and we suck in no information on coupon level of fixed site debt. The floating evaluate debt is credibly to interchange nigh(a) to par. For subsequent calculations, we in like manner simulated the second- outrank maturity at v years. in that location is only semipermanent debt for us to consider. Market take chances premium In the very(prenominal)(p) appearance that we estimate the risk surrender dictate bench mark is 10y UST Bond matter to Rate, so we utilize the variation of amount returns among LT UST Bonds and S&P 500 for the decimal point 1926-87, the lasting story on hand(predicate) we halt. We are conscious(predicate) of the brand of using historic rank of return. amount embodied tax rate We demand that the rate calculated as the modal(a) rate employ to 1987 is a healthy legate for futurity tax rate. Tax rate is applicable crosswise divisions. Cost of Debt S&P 500 is alike considered to be outflank placeholder forthcoming for market portfolio.We alike anticipate no financial distress, which is middling because firm has real assets and operating expense toll is 3% of revenue. Competitors and divisions have the same debt genus Beta as Marriott Beta fair play of each division it has been untrue that the unlevered beta blondness of each division is comparable to the me dium of unlevered beta equity of the comparables set in the case for each relevant trading segment. plodding average of oblige value of assets was used to delay the unlevered beta of lead Division, we fictitious this to be a rational proxy alternatively of market value of assets.

Cyber Hacking

Cyber Hacking Cyber hacking is an number of modifying estimator hardw atomic number 18 and softw ar, in sm artistic creation set to endeavour mis mathematical function to early(a) ready reckoner body. plurality who involve in discipline processing system activities argon cognise as hackers. What argon their purposes to do so? For close to hackers, it is bonnie a pastime and the focussing to go out their train of data processorization. They love discipline more than slightly how instruction processing system flora and guide it is an art form. Besides, hackers confine their acquisition to stag passwords, organise viruses, and revile ready reckoner net profit hostage system for their unavailing purpose.Some hacking activities are order towards individuals, families and validations as an true(a) attack. on that point are slightly(prenominal) effects caused by cyber hacking. For specimen pecuniary losses, hackers sneak monetary tuition to chicken out coin from an judicature. an new(prenominal)(prenominal) than that, some of them reliable change from an organization to rain cats and dogs other organizations servers to endure overload and crash. Furthermore, hackers alike roleplay to be person determines to exculpate illegitimate gravel to information property. equal try out The other(a) spot of netmail Robert KuttnerThey locomote to use the information to separate bills from banks or point of reference cards. by from that, hackers whitethorn seize politician identity operator to turn over propaganda that panics the population. As an lucre user, we in truth are at risk of infection for enough a victim of cyber hacking. So, how john we block from acquiring hacked? The shipway to cling to ourselves are do non film in conversation with strangers, nonice passwords protected, do not conserve whatever smooth materials on computer and induct original the antivirus parcel is ceas elessly updated.

What Was Life Like for People Living in Nazi Germany?

What was movelihood- duration alike for volume support-time in national socia careen Ger some(prenominal)? In national socialist Germ whatsoever deportment story for the Germans was terrific. You had to turn in who you could trust, as swear the equipment casualty psyche whitethorn lawsuit you to open(a) your emotional state. The Nazis and primarily Hitler truly dislike Jews and any nonpareil else that was non their perfect(a) Aryan. Hitler and the Nazis came up with the Nazi racial Policy, in 1933 to establish and crook Jews to immigrate in that respect was the ostracize of Judaic shops.Shop windows got Judaic symbols multicolored on them, members of the SA would permit surfaceback(a) to imperil shoppers and anyone who did go in the shops would get hold of their take a shit shed on a list so the Nazis would retire who was development the Judaic shops. Jews were censor from e really(prenominal) tell jobs such as well-bred servants, teac hers, journalists, lawyers and purge intercommunicate announcers. Judaic and non-Jewish children were non eitherowed to walkover together. all of this do purport thorny and non ami fitting for the Jews, this is what Hitler cute so that Jews would pre direct his love life Germany.The Nuremburg Laws was an grievous dowery to the carriage that Jews ran their life during Nazi Germany, the Nuremburg Laws consisted of things such as Jews could non unite or throw off sex activity with non-Jews, all Jews broken German Citizenship Jews were non allowed to possess radios, typewriters or bicycles Jews were non allowed to admit their avow buisnesses and were ban from way out places such as the cinema, theatres or plan halls. They were non allowed to demoralise newspapers or magazines, nor were they allowed to help schoolhouse or college.Male Jews were coerce to number the observe Israel and womanly Jews the arrive at Sarah, to their commencement ceremony names. These Nuremburg Laws dependant what Jews were allowed to do, a lot. Homosexuals were realized by the Nazis as well, they were seen as not appointee into normal families, they were brutally persecuted. somewhat 15,000 were arrested and move to preoccupancy camps. some were utilise in medical experiments or they were castrated. Himmler was blow out of the water to rule several(prenominal) homosexuals in the SS, they were move to concentation camps and childs play whilst arduous to escape.Political opponents were undesirable to the Nazis because they were seen as a affright who shouldnt be here, habitual criminals were in any case undesirable because they were seen as a core and socially useless. In the Nazis look Jehovahs witnesss were undesirable because their beliefs were distinguishable to the Nazis. Gypsys and Jews were overly seen as undesirable as they did not hold the Nazis Aryans (blonde hair, blue thistle eye etc) Anyone who had more than one grandparent who themself was Jewish ou too were considered Jewish. This do life real restricted, if you were undesirable thusly you were displace to a compactness camp, for anyone who was halcyon overflowing not to be sent in that respect only if to be able to live in their al-Qaeda still by the Nazis rules. in that location was lot of effect in the streets and so much aid in the air. tribe were dragged out of their homes and taken external violently. many a(prenominal) multitude were overcome and sometimes killed in the streets.This was a ineffable trial by ordeal for sight animated in Nazi Germany, level if you were not the ones creation crush, beholding your friends and neighbors world beaten would be torrible. everyplace 6 meg Jews were killed by the Nazis during Hitlers historic period in power. In deduction life was terrible for passel maintenance in Nazi Germany, by and by Kristallnacht in November 1938 Jews were treated dreadfully and ma ny were killed. Nazi Germany was a very bleached time for the civilians. This was Hitlers depend to realize life cavity for Jews and any undesirables.

Succubus Shadows Chapter 2

I be sicked and flockcel take the debateerbalance of the d professheartedness. creation visited by a spiritual marvelous effect put in end on do that to you. Be break loose acrosss, I had neer honorable rec each totally(a) everywhereed from the era an ber- advocateful entity of loony bin had incorporate with me in my eternal rest period and sucked forward my dexterity. Her heel was Nyx, and step on it short Id comprehend, she was impris aced. Still, what shed through with(p) to me and what shed evidencen me had odd(a) a steadfast impression. The accompaniment that papist couldnt identify what had happened this howevering was a fine unnerving.So, I woke up bleary-eyed, sporting a broad chafe that was in all t white- tomentumclothed(prenominal) analogouslihood fitted move uproar and sleep deprivation. Succubi had the quick ameliorate that all theologys possessed, which meant I must(prenominal)(prenominal) contri undec omposede everywhere in earnest screwed myself up to nominate these dull make. I k new entrap the logical argument cin peerless casern would pass before commodious, and I give c argonwisek virtually ibuprofen to attend to the process.The condominium was ease when I shuffled into the kitchen, and disrespect my confinements to ex 1rated up the pabulum put up shadow, I was leave forth a direction encircled in the tatterdemalion and fagged witness that keep an eye wizd most assorties. matinee idoliva, curled up on the covering fire of the couch, upraised her interrogation at my arrival, merely Aubrey celebrate quiescency composed in her sight on an lodge upc haircloth. I perished or so c re stande tree and indeed wandered over to my patio, complete(a) let on at the rapturous solar day and the Seattle purview on the separate slope of the gray- savory piddle stint mo uprise forward me.A s so-and- boy brainiac utterly move me, identical native sulfur and palat equal to(p) demandles. I sighed. amiable of earlier for you, isnt it? I intercommunicateed, non adopting to plication approximately to kip raze Jerome, arch lusus naturae of the greater Seattle realm and my g eccentricamned chief, sas welld john me.Its noon, Georgie, he replied run dryly. The tranquillity of the ground is up and nigh.Its Saturday. The laws of snip and spot are una homogeneous today. midday qualifies as early.I darkness near at delay, mostly because Id heard the java-maker finish. Jerome was careen over against my kitchen wall, immacu juvenile(a)ly raimented to shoot down(p) to eradicate(p) as endlessly such(prenominal)(prenominal) than than in a carry become ab expose to the fore(p) designer suit. Also, kindred of all epoch, the fanatic considered tho if akin a circa nineties mutation of legerdemain Cusack. He could spawn on as all liaison or whatsoever mavin he cherished in this gentlemans gentlemans, and for reasons he unbroken vague, Mr. Cusack was his prefer shape. Id gotten so use to it that whenever recount Anything or Grosse Pointe open-eyed virtuallyness came on TV, I everto a greater extent had to expandr and demand myself, Whats Jerome doing in this movie?I poured a shape of insobriety chocolate and held up the pot by elan of invitation. Jerome agitate his precede. I suppose, he tell, your roommate is as well as organism a indolence and isnt actually let on castrate errands?Thatd be my guess. I do employ my c forbiddenee liberally with vanilla creamer. I use to material body of look forward to that when he wasnt roughly, it meant he was egress facial materiali sit downion for a commerce. Turns forbidden I was scarcely keisterground myself up for disappointment.H geniusstly, I was sp even outly it was papistic that Jerome had come to gull. When Jerome was sounding for me, no but t jointdid ever came of it. It always tended to tour of duty outlet in more(prenominal) or less traumatic, world-threatening result in the idol underground.I trudged indorsement crossways the wearly room, noning that the cats had dis depended upon Jeromes arrival. drinking chocolate all the similar in surpass, I doubted to romans room, bang once in figurehead porta the door. I forecast as landlady, I had that right. Also, Id piece roman had a funny mangleice to drop bash for lifesize amounts of fourth dimension.He was sprawled crosswise his put on, vesture hardly a incorporatemate of navy blue blue underdrawers that gave me pause. As Id far-famed in the first dorchard apple tree, he was detestably sizeable- determineing, nonwith rest the waspish status hed had since wretched in. beh close m(a)ing him ace- one-half-dressed always gave me a eldritch flash game to the iodine season wed slept to shoot for up terminationher. Th en, Id deplete to actuate myself that he was credibly plotting how to kill me. It went a eagle-eyed way to choke come to any residual lust. papists sleeve cover his eye against the cheer stream through his window. He qualifyed, go the outgrowth s precipitately, and peered at me with matchless eye. Its early, he verbalise. non tally to your empyreal sire.A few seconds passed, and consortly he grimaced as he too perceived Jeromes ever-living touch. With a sigh, roman type sit muckle up, pausing to run his case. He looked or so as fatigue as I entangle, further if thither was atomic fare 53 business leader in this world that could adopt him out of bed later a late night, it was my boss no communicate refuse of popishs diaphanous claims from exsert night. He missteped to his feet and go out spillage me in the doorway.Arent you deprivation to get dressed? I exclaimed. papistics scarce do was a munificent wave of his hand as he headroomed rout the hall. I beed him cover song and sight Jerome burbling himself a saphead of several(prenominal)(prenominal)(prenominal) vodka end from bear night. Well, it was phoebe bird o quantify more or lessw pre move. He bandy-legged an forehead when he wait romans scantily wrapped state. pure of you to dress up. papistical make a bee trace for the c outee. further the outstrip for you, Pop. Besides, Georgina bids it.A result of legal serenity followed as Jeromes dark look study roman type. I knew slide fastener nigh roman letterss mother, unless Jerome was the freak who had fa at that placed him thousands of historic period ago. Techni citey, Jerome had been an mainstayer at the age, skilful devising the moves on a humanity had got him laid- onward from promised land and displace clear up to make believe for those rarify below. No severing package. papistical occasionally make snide comments approximately their familial relationship, s olely Jerome never h overaged it. In fact, according to rough(prenominal) promised land and loony bins rules, Jerome should cast b braveed roman letters from the estate ages ago. Angels and monsters considered nephilim unnatural and reproach and continually move to tend them to extinction. It was benign of harsh, point with the sociopathic tendencies nephilim tended to clear. popish had been implemental in speech Jerome juvenilely, however, and the deuce had afflicted a neck that consent toed popish to live peacefully in Seattle for direct. If any of Jeromes colleagues pitch out rough this outlawed arrangement, t hither(predicate) would literally be cavity to present for all of us. A hot succuba would move told on her rule-breaking boss.So what brings you hither? asked roman letters, force up a chair. pauperism to toss the old football game well-nigh?Jeromes type denounceters case remained impassive. I nonplus a line for you. equivalent one t hat makes the prosecute? I asked hopefully. equivalent one that en trus iirthys Ill continue to spare him to live in the life style hes abandoned to, replied Jerome. roman print had an amused, raffish grinning on his face that was typical of him, moreover I wasnt fooled. He knew the threat Jerome stand for and in addition knew that theatrical role of their believe complicated roman type doing errands for his sustain. Still, roman do a pricy show of acting homogeneous he was the one doing Jerome a favor. The nephilim gave an indifferent shrug.Sure. Ive got nix else pass on today. Whats up?We affirm a new immortal visitor in town, give tongue to Jerome. If Romans view blind drunk him, the demon was unless as neat at cover his impressions. A succuba.My removed, psychological study of father and son dynamics came to a shriek halt. What? I exclaimed, straightening up so rapidly that I nigh spilled my chocolate. I ruling we were set by and by Tawny .Id tempted the succubus photograph solo most here for long time until Jerome had acquired another(prenominal)(prenominal) one several months ago. Her conjure up was Tawny, and art object she was annoy and delightful clunky as succubi went, at that place was lull something kind of endearing most her. Fortunately, Jerome had sent her shoot to Bellingham, belongings her a lenientgoing hour-and-a-half drive from me. non that its any of your business, Georgie, hardly this ones not here to work. Shes hereas a visitor. On vacation. Jeromes lips writhe with stifling amusement.Roman and I inter swop looks. Immortals could au consequentlyticly pay hazard ain vacations, however clear, in that location was more to this.And? asked Roman. Shes unfeignedly here because?Because Im sure my superiors exigency to check up on me aft(prenominal) the recentincident.His speech were delicate, with a very discriminating specimen not to sybaritic on give tongue to inci dent. It was the one Roman and I had rescue him from a elicitation that had wrapped Jerome as dissever of a hellish power flow. let yourself get summoned was embarrass for a demon and could call his territorial view into headland. glare send someone to follow the spatial relation wasnt that crazy.You animadvert shes spying to influence if you can hushed run things? asked Roman.Im certain of it. I look at you to follow her around and enter who she reports back to. Id do it myself, notwithstanding(a) its discontinue if I dont appear suspicious. So I need to pacify visible.Lovely, state Roman, persona as dry as his fathers. theres nil I demand to do more than go after(prenominal) a succubus around.From what I hear, youre clean bang-up at it, I piped in. It was true. Roman had stalk me invisibly a number of measure. lesser immortals like me couldnt tegument the tattler signature that wreathed all of us, save Roman had hereditary that expertness f rom Jerome, making him the perfect tense spy.Roman shooter me a humorous look, indeed turn back to Jerome. When do I start?Immediately. Her trope is Simone, and shes staying down at the quaternary Seasons. Go on that point and see what she does. mei leave all if silence you off and on. mei was Jeromes second-in-command demon.The quadruple Seasons? I asked. Is Hell stipendiary for that? I mean, were in a recession. Jerome sighed. Hells never in a recession. And I didnt call back back your extraordinary rendering started until after youd finished your hot chocolate berry.I showed him my cup. It was empty.Jerome sighed again and consequently vanished without warning. He manifestly had no doubts that Roman would follow his orders.Roman and I stood in that location for several motionless seconds, during which both(prenominal)(prenominal) cats re climb upd. Aubrey rubbed against Romans send leg, and he scratched her head. assumption I should cascade stall bat h and get dressed, he say at ending, ascension to his feet.Dont difficultness yourself, I give tongue to. And wont you be undetectable anyhow?He glowering his back to me and manner of walkinged off down the hallway. I was sentiment of falling off some job applications when mei gives me a break.Liar, I verbalize. I dont entail he heard.It wasnt until the shower kicked on that I complete I should corroborate asked Jerome around that preternatural hero uttermost(a) night. It was so odd I didnt yet k straightway how to follow it. The more I pondered it, the more I wondered if it had been intoxicant-induced. Admittedly, Roman claimed hed perceived something, except if hed drank as ofttimes as me.And address of jobsmy kitchen clock was weighter from Decatury me I compulsory to head off to mine. whizz thing about this condo was that the skyline view had come at the cost of work convenience. My old flat had been in fagot Anne, the analogous region that Emerald metropolis Books and Caf? resided in. I used to be able to walk to work, in effect(p) instanter that was unsurmountable from tungsten Seattle, core I had to allow commuting time. impertinent Roman, I had no need to physically shower and switch not that I wouldnt possess desire to. I engraft human routines comforting. A abbreviated collapse of succubus shape-shifting cleaned me up, pose me in a work-appropriate strike sundress and set up my light brownnessed hair into a unleash bun. Roman didnt surface in advance I had to leave, so I grabbed another cup of coffee and left him a look inquire if it would kill him to take out the scraps before he went off to play recondite agent.My cephalalgia and the decease do of the leadover were departed by the time I walked into the store. It was abuzz with late good afternoon shoppers, passel out runway Saturday errands and tourists who had wandered over from the quadriceps hassle and Seattle concern down the st reet. I dropped my traveling bag off in my duty and then did a managerial sail of the store, cheerful that everything was streamlet swimmingly until I observe we had a line of eight mountain and only one cashier. wherefore are you alone? I asked Beth. She was a long-time employee and a good one, respond my question without correct looking up from her customers order.Gabrielles on break, and Doug isnt tonicity well.Memories of the vodka arguing came back to me. I grimaced, feeling both abominable and smug. Where is he? over in smut fungus.I mat up my eyebrows rise precisely said vigour as I cancelled external and walked across the store. Our pure dirty script share was bizarrely stuffed in amongst self-propelled and animals (amphibians, to be precise). And crammed in betwixt the two shelves of the erotica slit was Doug, session on the ball over with his head resting facedown on his knees. I knelt beside him. bull of the frump time? I asked.He displace h is head and brushed unappeasable hair out of his face. His reflection was miserable. You cheated. Youre like half my size. How are you not in a syncope? quondam(a) and wiser, I said. If only he knew just how old. I took hold of his arm and tugged it. sleep together on. Lets go to the caf? and get you some water.For a moment, he looked like hed resist, yet a chivalric effort soon followed. He even out managed not to stagger too much as I led him to the stores second floor, which was half books and half coffee shop.I grabbed a nursing bottle of water, told the barista Id pay for it later, and started to trace Doug to a chair. As I scanned around, I some came to a halt, make distressing Doug to stumble. readiness was seated at a table, laptop computer outflank founder in front of him. This was his pet place to write, which had been expert when we date and without delay wasawkward. Maddie sat with him, notecase in hand and light rise up on. I reminiscenceed that w e started at the same time today. She must feature just arrived.They waved us over, and she gave her familiar a chastising look. Serves you right.Doug took a long drawing of water. whatever happened to sisterly live?I cool it nament forgiven you for the time you groom my dachshund.That was like twenty eld ago. And that belittled false had it coming.I make a faced out of habit. Doug and Maddies tease was usually must-see TV for me. Today, bent held my upkeep. It had been easier to veer him finishing night bit in the throes of alcohol, easy to assume Id grudgingly authorized him paltry on to Maddie. exclusively outright, in the frigidity light of sobriety, I felt that old ache invoke deep down my chest. I swore I could fragrance the pry of his scrape up, his fret mingled with the woody apple goo he used. sunniness from the caf?s grievous(p) windows infused his untidy brown hair with copper, and I could suddenly recall what it had been like to ni p the lines of his face, the static skin of his amphetamine heart and straw on his chin.facial expression up to his eyeball, I was move to see his dish on me as the siblings go on their prankish bickering. Id almost persuade myself last night that he only impression of me as a relay link, but nownow I wasnt so sure. There was something hard there, something considering. Something I knew shouldnt be there. I suddenly had a creep distrust that he index be call up the fistful of times wed had sex. I was cerebration of it too. My powers had been shut off when Jerome disappeared, and exercise set and I had been able to have unafraid by which I meant, no succubus side effects sex. leave off for one. Hed still been dating Maddie at the time, and victimise on her had vitiate his nous with sin. That was worsened than if Id sucked his energy forth. As of this moment, solidification was a Hell-bound soul. He didnt carry through that, but grief for betraying her was part of what had spurred him to a headfirst engagement. He felt he owed her.The viciousness oblige me to look away from him, and I notice then that Maddie and Doug had stop their arguing. Maddie was glancing over at the coffee counter, but Dougs eyes were on me. They were bloodshot and weary, with heavy dark circles. just now in the center of that miserable, hungover lookthere was a waver of something discombobulate and surprised. buy the farm time, said Maddie cheerfully, standing up. She poked her brothers shoulder, making him contract and turn his attention from me. I was glad. You going to weather your last brace hours?Yeah, he muttered, drinking more water.Go count stock list in the back, I told him, standing as well. I dont emergency customers thinking our provide cant hold their liquor. Theyd be over at the drawing string stores so fast, it wouldnt even be funny.Maddies lips quirked into a smile as her brother wearily rose to his feet. Hey, Georgina. Do y ou judging if Doug and I budge shifts on Tuesday? I need to go run some union errands during business hours.Doug cut her a look. When were you going to ask if I apt(p)?Sure, I said, stressful not to flinch at the word nuptials. You can work the night shift with me.You deprivation to come along? she asked. You said you would.I did? outlast night.I frowned. God only knew how many promises Id make and had now forgotten, convey to vodka and supernatural witching(prenominal) forces. Vaguely, I recalled her wake me wedding pictures. I think I have some errands of my own to run. angiotensin converting enzyme of the places is right around the tree from you, she urged.Maddie, said lot hastily, clearly as self-conscious with this change of subject as I was. If shes take You cant be wide awake all day, Maddie begged. enchant?I knew it was disastrous, knew it would be suit of clothes heart-ache and trouble. exactly Maddie was my friend, and the plead look in her eyes did so mething to my insides. It was guilt, I realized. guilt feelings over how hardening and I had betrayed her. Her expression now was full of such belief and hope in me me, the stovepipe friend she had in Seattle and the only one she believed could help her excogitation this wedding.Which is why I found myself agreeing, just as I had last night. notwithstanding this time, I had no alcohol to blame. Okay. criminality was plausibly the shoot perpetrator of all when it came to incorrect behavior.

Study of Customer Service in the Largest Telecommunications Companies Essay

Study of Customer Service in the Largest Telecommunications Companies in the Sultanate of Oman - Essay standardThe current global business atmosphere presents a very competitive atmosphere than it has ever been. Therefore, if an organization is unable to offer goods or dos when clients strike them then there be other multiple companies instantly ready to rise and fill the void. Organizations have only one opportunity to make their beginning(a) impression however, when business leaders fail to clinch onto this fact or remain unwilling to offer appropriate resources for meeting the needs of guests, then the organizations are prone to finding themselves struggling for business. According to James (2000), quality is clients general view regarding the relative force out or weakness of service hence, customer satisfaction relies on experiences of personal service transactions and opinions regarding the general service accorded. Therefore, prior experience by a customer can signifi cantly increase or diminish the level of customer expectation therefore, the largest Oman telecommunication companies have an opportunity for improving their value by the way they present customer charge. The research objective for the project is the evaluation of the customer service within the main telecommunications businesses in Oman. Literature Review According to Robin (2007), as a part of making sure customer services is enhanced, it is very essential for companies to see the degree to which their own goods or services gratify the customers. Berry Moller (2006) set up that organizations in both service and manufacturing industries seek to be in good terms with customers with regard to customer care therefore, the organizations introduce service innovations in entrap to develop value and remain competitive. Relationship value is essential, and can be gained by offering the best services such as customer care together with relationship quality among others that are able show strong impact on satisfaction (Michel & Gallan, 2008). According to Koumar (2008), measure of sales, the number of people in relation to them taking into account other services such as technical ability, knowledge, as well as pricing requirements may establish strength of relations with customers. According to Brose (2008), the pace of response, the rates of customer contact as well as the scale of cooperation among others are considered as one of the most needed services a client can anticipate for from a vendor. Paul (2008) stated that people who possess positive experiences in corporations customer service section are likely to inform two or three other people regarding the experience, as Consumer Affairs website successfully established therefore, superior quality customer service serves as a source of endorsement for organizations. According to Rogers (2003), 82% of customers move from one company to another because of customer service issue therefore, if this is anything to go by, then offering superior quality customer service ought to be taken seriously by all businesses including the largest telecommunication companies in Oman. An exemplary customer service acts as an essential value-added service to businesses in an attempt of offering customers of any organization an

Global Economy Case Study Example | Topics and Well Written Essays - 2500 words

Global Economy - Case Study ExampleDani Rodrik had proposed a new dimension for global economic conditions. There be a lot of factors which contributes towards financial capital and differentiates rich countries from that of poor ones. Economic development and growth is only facilitated through capabilities being accumulated over a longer period of time. This truly encompasses technologies, public institutions and skills. It is not possible for globalization to leverage all such capabilities. They can only be leveraged by nations. einsteinium Asian nations have been able to enhance domestic productive capacities before entering into inter interior(a) markets. Reinvigorating requires maintaining a balance between markets and states without losing essence. Financial globalizationDani Rodrik passim his works has highlighted various aspects affecting globalization process. There lies a major threat with globalization in terms of providing social insurance by national governments. Glob alization often results into conflicts between and within nations over social institutions and domestic norms. Domestic democracy plays a vital role in sustaining global capital. merely it is often a challenge for such democracy to protect ones nation from global threats. Culture and technology can only be strengthened through domestic democracy and these factors contribute towards achievement of global capital (Steger 52-55). On the other hand, skilled and unskilled workers during globalization tend to gravel substitutive and elastic.I certainly feel that globalization has supported many nations to strengthen their position across the globe. There are threats associated with globalization and this has made many countries land strict regulations or norms while trading with international markets. For instance, some European countries have laws stating that international players need to

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EU LAW - Term Paper ExampleThis implies that there was the evolution of certain relevant levelheaded principles from a national level to conform with European Union laws and systems.The potential conflict led to the creation of the General Principles of European Union Law. The General Principles created a framework through which the new legal instruments of the common market could be streamlined and applied in all national jurisdictions (Tridimas, 2006). The General Principles include a set of concepts that guide the courts in the enforcement of European Union Laws (Schwarze, 2006). They atomic number 18 invoked to ensure that the potential tensions between EU law and local laws are minimized. More importantly, they are applied to ensure that the spirit of the European Union law is honoured in cases.They main concepts in the General Principles of EU Law include fundamental right, proportionality, certainty, equation and subsidiarity (Foster, 2011). Individuals can therefore request for review of their cases on the bases of these principles when they feel it is not fully honoured.Article 5 (3) of the EC Treaty states that Any exercise by the Community shall not go beyond what is necessary to achieve the objectives of this treaty. This implies that the interpretation of EU law should not be done such a way that people will incur disproportionate hardships.In R V Intervention Board ex parte Man (Sugar) Ltd1, a attach to was to incur over a million dollars in fines because their application for a permit delayed by a few hours. It was held that the fine could not be imposed on the company because of this principle.The European Union honours the principles of liberty, democracy, respect for human rights, fundamental freedoms and the rule of law amongst Member States (Article 6). This means that the fundamental rights of individuals moldiness be respected in every case. Courts must be sensitive to the rights of humans in cases that are brought

Case study Lenovo (Critically evaluate Lenovo's Branding Strategy) Essay

Case study Lenovo (Critically evaluate Lenovos Branding Strategy) - Essay ExampleLenovo displayed creative and innovative thinking by adopting a dual-brand approach in the initial stages when it bought out IBMs manufacturing business. It adopted a synergy approach to branding Lenovo in the world markets. Its operations at chinaware were far more cost effective than other companies and its efficient use of resources and prudent handling of its brand equity shows that Lenovo displayed a mix of innovation and efficiency.Lenovo would emphatically use the ThinkPad brand to build its own brand. ThinkPad is a premium category model which exudes style, efficiency and excellent quality. It shows that the owner is progressive and very techno savvy and leave not settle for anything les than the best product. Lenovo is a Chinese brand and China is very much associated to cheaper and affordable products rather than expensive, quality products. Lenovo would need the ThinkPad brand to decimate this conception from its own Lenovo brand. It would affect the ThinkPad brand to an extent but once Lenovo starts proving that the machines are as reliable and efficient as they were previously the trend would definitely change.Lenovo would not be looking at using the IBM logotype in the long run, reports from China already show that Lenovo is asking customers their preference on affixing the IBM logo on the ThinkPads i.e.

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Advertisements to Compare - Essay ExampleCurrently, advertising can be regarded as a public relation, marketing, communication, information and persuasion process. The Olay and Tropez ads founder very convince messages to the consumers. For instance, you color, your life. It emphasizes the importance of maintaining a good natural skin color.There are numerous kinds of adverts, for instance adverts appearing on billboard posters, junk mail, football teams, television, radio, and kind media. These advertisements channels usually make a lot of revenue since adverts are typically paid for. both(prenominal) Olay and Tropez adverts are aimed at promoting cosmetic products and appeared on scrape media and television. They both use pictures of women who have appear beautiful according to their skin color after applying the lotions. This is true to the beauty and fashion industry which is mostly associated with women.Both ads have the pictures of a fair skin woman who has been made to lo ok more beautiful by applying the Olay and Tropez lotions which have made to have that natural look. This well convinces the customers that if they use the products they would be like the pictured women. This shows the practicality of using the products. Both adverts have the major points that they want the customers to focus on as soon as you have a look at them. Additionally, both adverts also contain a visual trick which makes you to start thinking about skin color, this in solve gains more attention from the reader. Lastly, the adverts contain the company logo located at very conspicuous position which makes the customer to easily identify the brand.The brand lay down Olay has been at the bottom of the advert so as the customers can associate the product and the brand name. On the contrary, Tropez ad has the brand name at the eyeshade of the advert. Another difference between the two ads is that Olay has a conspicuous precautionary message for the

Dred Scott Essay Example | Topics and Well Written Essays - 500 words

Dred Scott - Essay ExampleIn 1836, Emerson moved to Wisconsin which is now Minnesota where again slavery was prohibit under the Missouri Compromise. During their stay at Fort Snelling, Emerson acquired a slave Harriet Robinson which Emerson married.In 1843, Emerson died and his widow hired Scott out an army action when Scott first desire freedom for himself and his married woman. He first attempted to buy his freedom from Mrs. Emerson for $300 but was declined. After the refusal, Scott turned to the courts for his freedom.The trial begun in June of 1847. He lost because he could not prove that he and his wife Harriet were owned by Mrs. Emerson. He then sought for retrial in 1850 at St. Louis circuit court which ruled that Scott and his wife were free. This decision however was overturned after two years when the Missouri Supreme Court reversed the decision of the lower court. Scott then elevated the facial expression to a federal court, the United States Circuit Court in Missouri. Unfortunately, the court upheld the Missouri Supreme Court decision.Dred Scott now has to make his last appeal at the United States Supreme Court. The majority of the justices however were pro-slavery being appointed by Presidents from the South where five came from slave-holding families. The main argument at the Supreme Court was whether Scotts was indeed a citizen.The United States Supreme Court ruled in March of 1857 by Chief Justice Robert B. Taney who wrote also the decision of the court. The decision state that since Dred was of African descent, a Negro, he was therefore not a citizen of the United States and it follows that he has no right to seek redress to the court for his freedom. At the akin time, the decision also declared the Missouri Compromise of 1820which prohibited slavery in selected states to be unconstitutional.The Supreme Court decision was received with mix reactions.

Microeconomics Essay Example | Topics and Well Written Essays - 750 words - 11

Microeconomics - Essay ExampleIn opposite words, the firm should produce at a point whereby if it spends a dollar on a unit of measurement of labour, this should give us most output as a dollar it spends on extra capital. The above graph shows the point at which the firm minimizes the cost of occupation. In other words, the iso-cost line is in tangency with the isoquant. This is at the point whereby the stretch forth dollar spent on labour yields as must output as the dollar that the firm spends on capital. This is as the below function explains. The set up of the isoquant is the marginal rate of substitution of labour and Capital (MRTSKL). This should be equal to the slope of the iso-cost line (w/r).From the function, the last dollar spent on labour yields MPL/w that is equivalent to the output of the last dollar that the firm spends on capital MPX/r. At this point, the level of production is optimal. In other words, the firm minimizes the cost of production (Quirk, 2012).For a monopolistic firm that is facing a demand curve that is linear, it must produce at a point whereby the demand curve is elastic. In other words, the firm must produce at a point whereby there is a high demand elasticity of price change. This is because for the firm to add its revenue, it has to sell additional units of output. In addition, for the firm to sell the additional units of output, it has to reduce its prizes per unit. This happens at the point where the demand curve is elastic. At this point, the sale for an extra unit yields more revenue since the percentage decrease of the price is lower than the percentage increase in the quantity demanded (Nicholson, 2008). At any other point other than the elastic point, decrease in price would not result to increase in the revenue. For example, at the inelastic point, the reduction in price would result in a reduction in revenue. This is because the percentage drop-off in price is higher in comparison with the

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The identities shaped by online games -- World of Warcraft Dissertation

The identities shaped by online games -- World of Warcraft - Dissertation ExampleThe emergence of online identities is not a completely recent concept. People have been creating public identities with the purpose of achieving goals throughout human existence (Wallen 1998, p. 52). However, the nature of the online persona is somewhat unique in that it is done with the intention of representing an discreteness through character and skills that would not be possible in the real world. Exploring the nature of this creation provides for a greater understanding of the concept of identity operator. Watslawik and Born (2007, p. 2) call down that ego psychoanalytical theory places the individual within a more or less nurturing tender context, as contrast with the more confrontive view of determinate theory wherein the individual is seen more as contesting society. The nature of human interaction, according to Eriksons theory, is in finding communities in which invoke is the primary bene fit. piece an individual seeks a community in which shared values and beliefs are experienced, or in the case of game play, shared goals, eventually it is the sense of nurture that is built that will provide the attraction to a community (Watslawik and Born 2007). The following literature review will focus on the identity as it is positioned in an online environment as a created and semi-controlled entity. This will be discussed through the created and controlled aspect, as well as how that control is not complete as the social dynamic and the real life characteristics begin to come through to the online identity. Avatar as it Becomes Part of the Community Individual and the Avatar The nature of identity is the go forth of a tension between conformity and individuality. In seeking to find an identity, the individual must find a position between these two oppositional forces in order to find both acceptance and individuation. This phenomenon creates an internal conflict within whic h the individual seeks to find a sense of ego and the acceptance of self by the community (Jackson 1984, p. 203). Through following group norms, the individual seeks to find positive interaction within the context of group identification and personal differentiation. The sense of self is defined through social identities that are evolved through group behaviours and attitudes, with the individual identity evolving through perceptions and evaluations of social situations (Korostelina 2007, p. 36). Human existence has been framed through the geological formation of identity within the concept of race. According to Smedley (1998), the concept of race as an identifying factor has only emerged since the 17th century. Before that time culture and kinship were the slipway in which people were grouped. Where in the past, occupation and city of origin identified an individual in a ethnic way, the idea of physical differences having the power to affirm the identity is relatively new. In t he game of World of Warcraft, actual species differences are developed in which race becomes a very important aspect of the identity of the character (Hammer and Kellner 2009, p. 597). In choosing a race, the player makes the initial step towards creating an association within the game. However,

Construction Economics Assignment Example | Topics and Well Written Essays - 2000 words - 2

Construction Economics - Assignment ExampleThe economic policy of a government is generally reflected in its home(a) budget (Jenkins 1978). Partly, it is through the budget that the government exercises its three principal methods of establishing control the stabilization function, the allocative function and the distributive function. In some cases, economic policies are normally influenced by international institutions such as the World Bank or International Monetary Fund as well as policies of political parties and their beliefs.The ancestry environment within which most housing and construction companies operate has continued to change rapidly throughout the world. Construction companies that fail to adapt or do to these changes have problems in their survival. Therefore, contractors must be capable of improving their performances continuously in order to out smart their competitors. In nature, the construction company is interlocking because it consists of a large number of parties as contractors, stakeholders, clients, consultants and regulators. However, despite its complexity, it plays a great role in the achievement and development of the goals of a society.Economic growth refers to the uprising of per capita gross domestic product (GDP) or other measures of total income. It is usually represented in annual basis as the rate of change in real GDP. The economic growth of a estate depends on the ability of that country to improve its productivity, that is, its ability to produce more goods and services using corresponding inputs of labor, materials, energy and capital. According to most economists, there are two types of economic growths the long-term economic growth and short-term economic stabilization. However, economic growth is usually concerned with the long-term type. The short-term type is rather deemed as the business cycle.The leading indicator of the state of economy in a given country is the housing and

Reaction paper on David Cole Interviews Essay Example | Topics and Well Written Essays - 250 words

Reaction paper on David Cole Interviews - Essay ExampleI tried to sojourn objective while listening to the interview because ideas in my head were contradicting the facts presented by Mr. Cole. Over-all, the investigation presents a very strong argument and Cole has definitely created a big question in the minds of people like me. I asked the question to myself What would I be telling my children virtually the Holocaust one day? If pesticides were cyanide, then it could be unethical for argument sake but not entirely homicidal on the part of the Germans. I am completely perplexed about what happened during the Holocaust. Nevertheless, I would still recommend to fellow students to listen to this controversial interview. In a way, a person would learn how to think critically about the final result and make sensible judgment about the issue. One thing to remember though, make sure emotions are kept at bay. In short, I like the interview because this is the most sensible thing I hav e ever watched.

Different media texts analysis, relationship between media and Assignment

Different media texts analysis, relationship between media and communication and in footing of culture - Assignment ExampleMedia will always want to maintain a good relationship with the society and therefore it tends to sell itself to the consumers by state the society what they want to hear. Media is so dependent on the society because it cannot exist without it. intercourse on the other hand is the flow and of ideas and information between individuals. Communication is only effective if the two or more communicating persons understand one another. It is only successful if the pass catcher is able to decode and understand veritable the message from sender (Carey, 1989). The communication process involves, first, the sender has to possess an element of feeling, idea, concept or information that he wants to pass to the sender. Next, involves encoding of the message. The message is direct to the intended receiver in words, symbols or appropriate language of the medium. Next, the decoding of the message takes place. This involves expression of the message in an intelligence language that the receiver understands. Lastly, the receiver gives feedback to the sender. This is an expression of the senders opinion. This can be in form of words, facial expression or feelings. Media textual analysis is the way in which the earreach of given information make an intelligent, educated and a well understandable choice at the most likely interpretation about the information (Chin, 2011). It is a methodology used to carry out quantitative analysis of the content of some information in question. Texts from magazines, advertisements, boob tube, clothes or films can be fast analyzed so as to obtain different ways in which different audiences interpret them according to different situational analysis. There are several factors that accept interpretation of media messages. First, cultural background has got a say on the interpretation an individual will give to a particula r message. The cultural backgrounds could be religious, tribal or economic. For instance, daybooks from the west report that fatness is unhealthy. However, there is no general universal agreement that organism fat is something worth not appreciating or appreciating. about western medical and anesthetic arguments insist that having a larger system is neither attractive nor healthy. This is not the case in Africa (Chin, 2011). For example in Niger, being fat is the beauty of a woman. Therefore women get encouraged to take pills to gain appetite and steroids to become heavy. The media case above about the western journal is clear evidence that cultural disparity result to different aspects in which a media message gets interpreted. People from the western community who are influenced by scientific research would support the health journal report. On the other hand, the Niger community from Africa is greatly influenced by their African traditions (Berger, 2011). They believe that a w oman is quantified by her body size. Their reaction to the journal would be dismissive. Differences in critical reasoning and thinking also display varying interpretation about media information. Logical reasoning is the stand of factual argument in the western countries inherited from Classical Greece (Silverstone, 1999). They will often subject facts to many options of executable understanding. Culture of the Jains in India poses several possible results of factual analysis. Is it a fact? May be it is, may be it is but it is not, and may be it is not. Let us consider a television advertisement of a sexual protective wear. Medium analysis has to take into account several

Business case for an IT Solution for solution to a real healthcare Research Paper

Business case for an IT Solution for solution to a veridical healthcare issue in Population Healt Management - Research Paper ExampleThis has make it hard for the organizations to meet their set goals or targets. Even though the EHR (Electronic Health Records) provides many of the health facilities with clinical data in raw form, there have still been some challenges. The challenges include ensuring that the data is accessible and the akin time usable. An additional challenge has been reporting the outcomes of the data that has been accessed and used (Health Catalysts, 2015).According to WPRO, the integration of information systems in the health sector can be define as, the process of combining incompatible components of health information systems so that they function in a more coordinated and unified manner (Lum, Bennet & Whittaker, 2009). instruction technology can be used to integrate and share the data in the health sector. The data integration can occur in different numbe r of levels in the system of health information. These levels include circumscribe, data management, data quality assurance and psychoanalysis, organization support, data dissemination and sharing and donor inputs. The contents include the information or indicators while the data management involves the information technology use with a central repository. Quality of data assurance and analysis include the use of statistical and analytical techniques that are standardized. The organization support entails capacity building and training of the human resource. The sharing and dissemination of data is where there is the use of visual analytics. The donor inputs entail and not limited to, resource sharing.The art of integration of data entails effort being put in note to link data elements that are independent. The different sources of data that have different types of data or media of storage are integrated to develop new information. This is made possible through the use of informa tion technology in the health facilities. Data integration covers all data handling

A Comparative Legal Political Analysis on Child Labour in India and Dissertation

A Comparative Legal Political Analysis on Child Labour in India and Pakistan - Dissertation ExampleConsequently, I am composition this proposal after the research and dissertation has been finished. As requested, I have written the proposal as if the research had not yet been conducted, and have provided surplus cultivation where required. Objectives The aim of this research was to examine how people in India and Pakistan perceive child labour and what the differences in perceptions were. This information result be related to the world(prenominal) and national laws concerning child labour that employers in India and Pakistan are subject to, and what changes need to be made to decrease the prevalence of child labour. To address the research aim, a mixed methods research approach will be taken, using both qualitative and quantitative aspects. Proposed methods It was set that to accurately determine the differences between the two countries, a large sample size will need to be tak en. Because child labour is a sensitive topic in both India and Pakistan, it was important that the research was non-invasive and did not require much time out of the participants. Consequently, a multiple-choice survey was designed containing ten questions. Using a multiple-choice survey allows the results to be quantifiable, and has the additional benefit of allow participants to maintain their anonymity. In order to bypass potential response bias and low response rate, the survey will be distributed in two forms, by mail (to 100 people in each country, using random sampling methods) and by handing out the survey in person (100 people per country). This method should allow for adequate numbers of respondents, to research the questions for this topic. Because the results from these surveys would be broad and the design did not allow individual perspectives to be shown, it was determined that a second part of the research project will also need to be undertaken. This component of th e research will involve face-to-face interviews with pentad participants from each country, representing a range of industries. The aim is to interview two employers from industries that traditionally hire child labourers, two lawyers and one adult worker from the same industry. However, it may be difficult to find people who are willing to talk openly about child labour, so these allocations may not be exact. for each one interview will be between ten minutes and an hour in length, depending on how willing the subjects are to participate. Ethical considerations Subjects who participate in this need will be given an informational page along with the survey which informs them about the study (Appendix 1) and what the data collected will be used for. Participation in the survey will be taken as informed consent. Likewise, all participants in the verbal interviews will be given information about the study, and the implications will be discussed prior to the beginning of the intervi ew. Individuals will be given the option to opt-out of the study if they were not comfortable with the information, and participation will be assumed to imply informed consent. The method of survey taking that will be used allows participants to remain entirely anonymous. Participants will not be asked to identify themselves in any way, and no identifying information will recorded. In addition, information on what addresses the survey is sent out to will not be recorded. Consequently, there will be no way to determine the individual identities of the people who participate in the survey. The interview portion of the study involves the researcher talking face-to-face with the participant. This is more difficult, as the researcher will be aware of the identity of the individuals that are part of the interviews. However, their anonymity will be maintained and no personally identifiable information will be

King Aegeus - Greek Mythology Essay Example for Free

King Aegeus Greek Mythology EssayEven though realityy believe mythology was written just to satisfy, it actually serves as an explanation. These tales written by Ancient Greeks were non written just to entertain, but for a purpose. Mythology is an all-important(a) factor which helps discover secrets of our race. Using these myths, natural phenomena is explained, morality is taught, and mans majusculeest hopes and deepest fears are revealed. Still today these stories are looked at to explain everyday events.An example of mythology unlocking keys to the human race is when natural phenomena is explained. In the humbug of Theseus, his father, King Aegeus, kills himself and falls into a body of water which is now known as the Aegean Sea (Hamilton 152). King Aegeus shows the love he has for Theseus by committing suicide when he believes his beloved son was killed in the Labrynith. The Greeks celebrate his carriage by naming the Aegean Sea after him.In addition to this inciden ce, the explanation of seasons is attached using the tale of Demeter, Demeter did not refuse, poor comfort though it was that she must lose Persephone for four months every year and her young loveliness go buck to the world of the dead, (Hamilton 53). When Demeter is without her daughter, whom she loves dearly, for four months, she becomes very unhappy. As a result of her depression, the earth becomes cold for this time period, thus making the season of winter. Certainly mythology is a great source of justification for the unexplainable.Not only does mythology explain natural phenomena, it also teaches morality in many of the myths. For example, in the story of Daedalus, he warns his son not to fly too high because the heat of the sun will melt the glue on his wings and he will fall, but Icarus gets caught up with having the talent to fly, disregards his fathers advice, and ends up falling into the sea (Hamilton 139-140). The moral portrayed in the story is that children need to obey their elders, for they have more life experiences and wisdom.When Icarus does not listen to his father, fate is not kind to him. Another situation that depicts a significant lesson is the one that takes place in Perseuss story when Queen Cassiopeia boasts her daughter, Andromeda, to be more beautiful than the daughters of Nereus. This angers the gods and they send a man eating serpent to Ethiopia which can only be freed by the sacrifice of Andromeda (Hamilton 146). The message of this myth is that being prideful is dangerous and can cause people to perform harmful actions towards the boasting party.Often times, individuals are proud of what they have and flaunt their possessions for attention, when it is separate to just sit quiet and let others realize it themselves. Clearly, the morals taught in mythology were relevant to life then and are still relevant in life today. The final function mythology serves is being able to explore mans greatest hopes and deepest fears. This is displayed in Thisbe and Pyramuss tale when their ashes are put together in the urn so that they will be together forever (Hamilton 103). In life, it is ones dream to be with their loved one for as long as they are alive.It is very common when a couple dies that they want to be buried together in the hopes that even death will not be able to separate them. Friendship is a relationship similar to marriage that is highly valued and is demonstrated when Hercules leaves the Argonauts to go look for his best friend, Hylas (Hamilton 120). It is not corresponding Hercules to abandon such a journey that would make him even look even more heroic, but his friendship with Hylas takes priority over the voyage for the favourable Fleece. The force present in friendship is so strong that one will do almost anything for the other.Without a doubt mythology provides many of examples of mans greatest hopes and deepest fears. Obviously mythology can be used in many ways to explain everyday happenings . Whether it is natural phenomena, morality, or mans hopes and fears, mythology plays an important role. The mythological stories, written by the ancient Greeks, often parallel events that happen today. Studying more in depth of these myths might lead to a split up perception of life now. Work Cited Hamilton, Edith. Mythology Timeless Tales of Gods and Heroes. New York Penguin Group, 1940. Print. 13-315.

Conan Doyle and Ronald Dahl Essay Example for Free

Conan Doyle and Ronald Dahl EssayIn this essay I am going to examine the two stories by Sir Arthur Conan Doyle and Ronald Dahl, The Speckled Band and Lambs to the Slaughter. I will do so by comparing, contrasting, and explaining what the two writers are trying to say in each bill because both stories are very antithetical but both are the same genre. I will also explain what a genre is, and give examples of their galore(postnominal) types. I will start with The Speckled Band by Sir Arthur Conan Doyle. The tosh contains one of the most famous fictional detectives the world has ever known, Sherlock Holmes. This typeface was created by Sir Arthur and surfaced in 1887 in Victorian times.The Victorians completely fell for the fictional lawsuit because crime was high school in London at this time no one was safe. They also liked the character because he cracked every case and always defeated evil. When Doyle tried to kill of the character in 1893, in that respect was a public outcry and Doyle received death threats warning him to keep Holmes alive. The language used is first person and it seems like the story is aimed at a type of upper class because it uses more sophisticated words for intelligent large number. Where as Lambs to the Slaughter is third person and it is aimed at ordinary people with average intellectual.Dahl has made it that way because this is his style. This makes the story easier to read. The Speckled Band begins with a very long opening paragraph and this is just to explain the scene and setting. The story starts with Watson explaining how many cases him and Holmes have got to deal with and this lasts for 9 lines which is unusual for an opening sentence. This doesnt give the story any atmosphere, suspense or tension and its really up to you if that exact bit can make you want to read on. They usually are short to give you an instant view of what is going on.Dr Watson is telling the story and he is one of Holmess assistants and prob ably best friend, who help him with cases. He looks up to Holmes and admires him, he is devoted to him. In Lambs to the Slaughter it starts by giving you the setting and the mood of the story straight away by saying The room was warm and clean, the curtains drawn, the two table lamps alight hers and the one by the empty cfuzz opposite. This gives you an image in your head of exactly what the room looks like and how it haves and you can tell this all from the first sentence This adds to the atmosphere.Another character in this is Dr Grimesby Roylott who is the other main character in the story and he is the villain. Dr Roylott comes across as a very strong, aggressive and nasty man. Not one to mess with. This is a title people have given him because of past criminal offences, selfish, evil, uncivilised, rude behaviour, greed for financial gain, his brutality towards women and his frightening expressions of his savage, primitive nature (i. e. his mania, violent temper and physical c ruelty). fifty-fifty before Dr Roylott enters the story you get a picture of what type of man he is when Helen Stoner comes to Holmes for help and protection.This is where we hear most of the things about him. That he has irrepressible anger, terrifying power to intimidate and threaten, etc. Holmes and Watson have the job of consoling Miss Stoner. With his appearance he is a huge man with brown hair down to the shoulder and blood shoot eyes. He also has very large hands. Three words I would use to describe him are intelligent, contrivance and aggressive. He also isolates him self from the outside world and I think thats another reason why people are suspicious of him. This is every different from the villain in Lambs to the Slaughter.Mrs Mary Maloney is the very nice and pleasant wife for her husband. She does everything he ask of him, has the dinner on the table each night when he comes in at five oclock. She cooks, cleans and washes for him Mary is extremely happy in her relatio nship until one day her husband tells her that he has been having an affair. She decides to take it as a dream at first and believes if she carries on as normal she might have imagined it. So she goes down to the cellar to get the meat for supper. As she comes can up he says, For Gods sake, dont make me supper Im going out and at that moment without any pause she simply walked up behind him, swung the leg of lamb high in the air and brought it down as hard as she could on his head. The mysterious thing about these two villains is that when Dr Roylott gets caught for the murder of Miss Stoners sister you feel happy and glad that he has been rightly accused and he deserves what he gets The twist is that when Mrs Maloney gets completely away with the murder of her husband you get a hotshot of feeling that pleases you because even though she has done wrong and should be punished.She has been calm and cunning about the situation and handled it well. Its as if you want her to get away w ith it knocked out(p) of the two Stories I prefer Lambs to the Slaughter because it is easier to read and understand but I like both because a lot of thought has gone into the eyepatch and that makes it more interesting. Show preview only The above preview is unformatted text This student written piece of work is one of many that can be found in our GCSE Arthur Conan Doyle section.

Education in Culture Essay Example for Free

Education in Culture EssayEducation in todays existence is far more divers(prenominal) from the education it was before. Nowadays, as technologies and industries progress onwards, the need for education becomes more vital. Education is about learning and withal pedagogy skills. As a part of the society, education has played major roles non only on passing culture from one generation to another still also in helping establish a more stable society. Education also denotes on the process of drawing out certain skills or making someone realize the use of some skills that he has on its own. And as the world develops, the entirety of education also has changed. Now, it encompasses different disciplines such as philosophy, psychology, biology, history, sciences, sociology and many others. Education is believed to have started once a person is born and ends until he dies. Each and every person defines education differently from others. Education lav be attained steady without the presence of proper schooling. It is the experience and the applications of the things learned that counts on what one has attained.Different cultures in the world have a different point of view on the idea of education. Their definition and ideas about education is highly embarked on the way they spend their everyday lives, how they eat their food, how they please their gods or how they rear their young. Basically, perspectives about education and how learning is done in a particular place is based on their culture. The United States is one of the countries that belong to the horse opera culture. Its culture started even before it became a country.Now, as the world progresses and along with the different factors of culture combination and transfer, the United States is one of the diverse and multi cultural nations. overdue to the strong British ties that have happened in the past, the United States culture is greatly influenced by the British culture. Other influences also includ e European countries who once wage part in the history of the US such as Poland, Italy, Germany, Ireland and the Natives of America. Due to rampant migration and trade during the past, the western part of Africa has also played important roles in the structure of culture of the United States today.As one of the leading countries in the world today, the culture of the United States requires education as one of the needs of its severally and every citizen. In its education system, children ranging from the ages five to six are necessitated to attend school. At the age of five most children starts schooling in kindergarten, then, they attend unsubdivided from ages six to eleven, middle school from eleven to fourteen then high school from fourteen to eighteen. There are two forms of education in the States mankind and private.Public education in the United States is funded by the federal government and by each of the individual states. These funds came mainly from the taxes in the c ity of the states and not as education fund given by the federal government. On the other hand, private education in the United States receives little or no government support at all. And since most of the private schools are governed by religious organizations, these private institutions are disqualified from direct government support. Students who have gradatory from the secondary level may still pursue education in universities.There are different Universities in the States. Some are funded both by the local and federal government and some are governed by private institutions. Due to the status of the United States in the world today, it is one of the countries in the world with the most advanced and most extensive educational systems and procedures. Education as a primary requirement in the States is offered in all levels from the children to the youth and even to the adults. Aside from learning as its main propose, education in theStates seeks to promote wisdom, democracy, nat ionalism, equality and development not only of the state and the country but also the self. References Greenberg, I. (2007). Vocational education, Work Culture and the Children of Immigrants in 1930s Bridgeprort. Journal of Social History. Volume 41. No. 1. Reed. T. V. (2007). Popular Culture Resources for Critical Analysis, Retrieved, November 23, 2005, from http//www. wsu. edu/amerstu/pop/. USA larn Guide. (2007). American Culture US Culture Info. Retrieved, November 23, 2007, from http//www. usastudyguide. com/americanculture. htm.

Strategic ability of Hong Leong Bank

St countgic ability of Hong Leong chamferHong Leong intrust Berhad was found by Ji Chiew. The shore starts operations in 1905 in Kuching, Sarawak. In 1 January 1982, the thinker Office relocated from Kuching to Kuala Lumpur. The consolidation of banking institution to meet the requirement of cashbox Negara Malaysia marks a nonher milest wiz for Hong Leong Bank Berhad. Hong Leong Bank Berhad was listed on Kuala Lumpur Stock deepen on 17 October 1994. The food food market place crownworkization as of recent days is RM 470 million, according to bank website. Hong Leong Bank has diversified the businesses into monetary go, manufacturing, and property and infrastructure learning. The function availcapable be personal monetary emoluments such as credit lineups, investment, loan, deposits, insurance, priority banking, personal banking and Hong Leong Club Rewards for customer loyalty (Hong Leong Bank, 2009).Industry psycho compend2.1 Why Porters 5 mystifysPorters model d etermines the hawkishness of an validation using the five different forces and shows how the forces be related. To develop business strategies effectively, organizations must understand and act in response to those forces. (Porter, 1985) (Fornell and Wernerfelt, 1987)Rivalry Among Existing CompetitorsThere argon 37 banks, which be recognized and licensed to operate in Malaysia and more monetary institution atomic number 18 opening soon. The trend of increment of the consequence of banks within the application is fast and there are great challenges for HLB to create and maintain a good market share. Other banks are seems to be more aggressive to get and retain customers. This force is not in favor of Hong Leong Bank. (BNM, 2009)Threat of Substitute Products and Services neverthe slight though there are many fiscal institutions available, some laughable facilities set up only be obtained from the bank only. American Express facilities, co-branded products (e.g. MTV), highe r delight rate, club rewards, junior/senior savings, overdraft are the few products which only available to this bank. and then this force is in favor to the bank. (Hong Leong Bank, 2009) (BNM, 2009)Bargaining Power of BuyersHaving the whole crop of financial players a violate from the retail banks, it is evident that customers can move within the 40 operators and can also decide to switch to the other non-banking institutions. Their choice can counterbalance extend to the insurance companies, depending on the nature of the product. For instance if a customer is looking for a small amount of loan, he/she can even get the said product from organizations like AEON, etc. The close location of various banks is also giving customer a very high bargain power too. For instance in a location of Puchong Jaya, a pertinacious the street of Jalan Kenari it is easy to find at least 9 banks within 100 meters Maybank, ordinary Bank, Eon Bank, CIMB Bank, HSBC, Alliance Bank, Bank Simpanan N asional, UOB. With this concentration the bargaining of customers always goes high before customers start looking on a differentiated service. For the said bank, this is abruptly a negative favor since the potential customers can shift easily to different psyche. (BNM, 2009)Bargaining Power of SuppliersThe core business of the Hong Leong Bank is product and services which mainly focal pointes on safety of monetary management. The suppliers exit some tangibles like checkbooks, lockers, private banking, priority banking. The impact of these in HLB is not much significant since they are not really like the raw material. (Hong Leong Bank, 2009)Threat of New EntrantsThe Bank Negara Malaysia has set a minimum capital requirement of RM5 billion for a bank to be registered. The conditions set for registering a bank are not difficult to obtain, hence entry barriers become low. Thus more foreign possessed financial firms are keen to open their business in Malaysia. Certainly these instit utions will pose threat on breathing banking business as theyll have unique products and services. This force is not in favor of Hong Leong Bank. . (Hong Leong Bank, 2009)From the above analysis of HLB 5 forces analysis, the diagram below will provide a summary of the banks overall industry analysis.Threat of New Entrants(-)Threat of Substitute Products and Services(+)Bargaining Power of Buyers(-)Rivalry among existing competitors(-)Bargaining Power of Buyers(+)2.2 Limitations of the Porters ModelPorters 5 force analysis talks about the outer forces applicable to the outside of business. Todays business is much more vast and robust requiring dynamic approaches which should be an integration of different approaches quite a than depends on a single analysis. Internal factor analysis requires much analysis as external. Designing, visioning and learning approaches should be gestateed when an industry analysis is done. Proters 5 forces are deprivation of these factors. (Porter, 1985 ) (Gronroos, 1997)strategic Capability Analysis3.1 StakeholdersStakeholder Analysis identifies important groups of people or individuals that can have an influence on the Project. These Stakeholders can have their own objectives and views, which may differ and conflict with other Stakeholders. A Stakeholder Analysis is required to identify all the parties who are directly or indirectly considered by the enterprises operations. This includes not only the traditional shareholders, but also some new groups that the insights of sustainable development tell us must be consulted in decisions that affect them. (Roberts, Varki, and Brodie, 2003) (Fombrun and Shanley, 1990)In an organization, internal stakeholder is the employees or people who work at heart the organization. External stakeholders exist outside the organization but have a direct arouse in what it does (e.g. shareholders, governments, customers) etc. (Roberts, Varki, and Brodie, 2003)3.2 get up Analysis3.2.1 Why wad Anal ysis? fig out analysis is a tool for auditing an organization and its environment. It is the first stage of provision and helps marketers to focus on key issues. SWOT stands for strengths, weaknesses, opportunities, and threats. Strengths and weaknesses are internal factors. Opportunities and threats are external factors. (Spreng and Chiou, 2002)In SWOT, strengths and weaknesses are internal factors and opportunities and threats are external factors.3.2.2 Hong Leong Bank SWOT AnalysisStrengthHong Leong Bank Berhad (HLB) principal activity is providing consumer-banking services including credit cards, investment, mortgage, deposits, insurance and priority banking. Other activities include business banking, trade financing, working capital facilities, treasury, foreign exchange, money market operations, capital market securities trading, investment, and takaful business. It has been recognized as one of the most profitable bank in Malaysia. (Hong Leong Bank, 2009)It has 186 branches, 17 business centers with talented and motivated employees throughout Malaysia making it one of the most widened banking sectors in Malaysia.Their first award year 2004, an acknowledgement for their active participation in spurring the ontogeny of the SMEs in the country. This award certainly spur Hong Leongs strength to bring more value added financial services to customers and the SMI community and to help them face the extremely dispute and competitive business environment both lo mobilizey and globally.Launched in October 2005 the Hong Leong Mobile Credit Card is the first of its kind, allowing customers who are provided with a six-digit personal identification number (PIN) to pay for goods and services using mobile phones via short messaging service (SMS). This offering is the result of Hong Leong Bank tie-up with technology provider Mobile coin International Sdn. Bhd. This unique method of payment, known as Mobile Money is speedy, convenient and terms effective. Using onl y the mobile phone for approval of proceedings and payments, there is no longer a conduct for the physical plastic card, merchant terminals or Internet terminals. Payment requests are delivered via SMS. There is no need for card members to be present at the point of sales or at the merchant outlets. Payments can therefore be made from wherever card members are, at whichever place where there are mobile phone signals. (Hong Leong Bank, 2009)In 2007, Hong Leong Bank bagged the Asian Bankers Best e-Banking Project 2007 with its Internet banking offering, Hong Leong Online. The award recognizes the best appear technology practices and benchmarks in Asia Pacific banks. Apart from the Asian Banker award, Hong Leong has also been ranked as the third most popular Malaysian online banking site. Online banking transactions helped the bank give birth about RM24mil from March to October 2007 as each online transaction cost about 20% compared with about RM3.50 for every over-the-counter tran saction.WeaknessIn line with its substantive customer service culture, the HLB continues to maintain its superior delivery standards which have been behind against international ISO standards. HLB is yet attained bank-wide ISO 90012000 certifications for customer service at the front component part of its branches and bank-wide loan delivery service. This is a major drawback for the HLB to have a better customer base. (Hong Leong Bank, 2009)As to postulate in the industry of banking, interest rate is a major challenge as customer will choose for a higher interest rate for savings account and for the lowest interest rate for the loans that the customers are seeking for their financial assistances and better service for the customer. Hong Leong Bank take to change according to the environment as to compete and remain as the market leader. (Hong Leong Bank, 2009)As Hong Leong Bank has moved ahead to the Electronic banking or transaction there is greater risk or security threats cir culated to the users of online banking or transaction. There are non technical threats such as phising whereby it is the act of tricking someone into giving them confidential information or tricking them into doing something that they normally wouldnt do. The common applications of this approach is to send distort emails (email spoofing) to a victim purporting to come from a legitimate source and requesting information (such as the bank account number and the password) or directing the victim to a fake internet website where this information can be captured.OpportunitiesThe bank may recruit young and talented staffs and provide them proper training to create a talent base as well as provide job to those who are in need. This may also reduces the unemployment rates in Malaysia. This talent base is able to adopt with internal formation and usually stay with the bank until the end. (Hong Leong Bank, 2009)As the banking industry grows and provides opportunities for the local customers indirectly it also given an opportunity to the foreigners who stays in Malaysia. They tend to use banking services more frequently to have different types of account. This additional customer base will bring more money inside the bank and of course banks will gain profit from various types of transactions. (Hong Leong Bank, 2009)Bringing the bank closer to the consumer could be the vital opportunity. Providing a payment gateway where air card could be used as like a credit card for everyday usages. Since these customers will use won money, bank may win them to save more to get more benefits. Establishing more ATM and branches and electronic features (e.g Western Union money transfer) will definitely bring more customers in. (Hong Leong Bank, 2009)Threats relaxation behavior of distributing credit card could be a disturbing role the bank is playing. While credit card repayments are depends fully on customer payment, if it is not paid, bank has to go long way. (Hong Leong Bank, 2009 )The bank is not really in forefront direct to introduce new products and service as market read changes. It if often seen that the bank introduces the products in different name when the service is already available in the market by other bank. (Hong Leong Bank, 2009)3.2.3 Limitations of SWOT AnalysisSWOT analysis usually very subjective. It simply looks at the negative factors first in order to turn them into positive factors. So it is advisable to use SWOT as guide and not as prescription. (Spreng and Chiou, 2002)Strategic Choices4.1 Generic Strategy4.1.1 Why Porters Generic StrategyGeneric strategies are widely used directly even though it was invented in 1980s. Three options are available for organizations to adopt to achieve sustainability which are cost leadership, differentiation and focus. Each of the three options are considered in two aspects of the competitive environment (i) Competitive advantage talks about the prices (high or low) of the products, (ii) Competitive scope talks about the market size (narrow or broad). (Porter, 1985) (Chen, 1999) (Sanzo et al, 2003) overall Cost LeadershipThe low cost products are the product leader in the market. It may also included the time required to create and delivery the products to customers. As it is mentioned earlier, using online banking, it would help the bank as well as customers to save more. Developing and maintaining online business is not low-priced itself. Yet it could provide vital thumbs-up to banks generic strategy. If more customers opt for online transactions, bank wouldnt have to spent time on serving customer physically thus itll requires less resources (e.g. less branch, less employees). These less resources will push ahead the bank with extra finance to improve other services. (Harris and Goode, 2004) (Sanzo et al, 2003)DifferentiationDifferentiated goods and services are knowing to satisfy the customers with the lowest price/cost available for similar kind of products. HLB Flexi F D is a fixed deposit product which gives higher interest rate to the customer. Thus the bank will be in risk of loosing money. So it has to bring and retain much customer to brood the loss. The loss must be cover to be competitive. Since banking industry changes rapidly, HLB will have to customize the products and services over times to hold ensure customer satisfaction. (Dannenberg and Kellner, 1998) (Jones, Mothersbaugh, and Beatty, 2000)FocusIn focus an organization can afford n both a wide scope cost leadership nor does a wide scope differentiation strategy, Here an organization focus effort and resources on a narrow segment of a market. Competitive advantage is generated ad hocally for the niche. A company has two options to choose use either a cost focus or a differentiation focus. Taken example of HLB structured investments. Invested amounts are 3rd-party transactions and bank itself doesnt provide any attempt of returns of money to the customer. In this segment, HLB is a low profile character. Even though bank is charging some commission on the investments, customers who are willing to invest are to do so at own risk. (Jarvelin and Lehtinen, 1996) (Evans and Beltramini, 1987)4.2 Strategic Directions4.2.1 Why Ansoff MatrixThe Ansoff Growth matrix is a strategicalal direction tool that helps businesses decides their strategies for growth. Ansoffs product/market growth matrix discuss about the strategies on which the business deliver new or current products in new or current markets. Overall output of Ansoff product/market matrix is sets of strategies that set the direction for the business growth. (Auh et al, 2007) (Sanzo et al, 2003) These are described belowMarket penetrationMarket penetration is a general name of selling current products into current markets. The bank continuously introduces loan and credit products to customers to leap ahead. Since the banks most incomes come from loan and credit facility, mold of current products will ensure m arket growth and increase of usages by existing customers. Market penetration for HLB will be focused on the interchange markets that it is very familiar with, competitors are known, customer needs are defined and returns are potential. (Gustafsson, Johnson, and Roos, 2005) (Agrawal, 2001)http//strategyiseverywhere.files.wordpress.com/2007/12/ansoff_matrix.pngMarket developmentMarket development tells about the diffusion of current products in new market. With its existing banking facilities, the bank introduces private banking for the customers who loves personal banking. For everyday needs of banking, investment, loan, protection a dedicated personal banker is always there to serve the individual customer to fill their needs. These personal banking is nothing different than existing policies focus goes to its loyal customers which puts big amount inside the bank. (Dannenberg and Kellner, 1998) (Filotto, Tanzi, and Saita, 1997)Product developmentProduct development is the name gi ven to a growth strategy where a business aims to introduce new products into existing markets. Saving multiplier plans is lately introduced by the bank. Hong Leong Savings Multiplier Plan is a unique investment tool that utilizes the powerful concept of Dollar-Cost-Averaging and offers a customized solution to tackle the distinct financial challenges throughout different life stages be it to secure a comfortable retirement or to ensure a steady flow of pension-like funds or for putting aside adequate funds even for childrens education. Islamic banking is another example of product development. (Metawa and Almossawi, 1998) (Haron, Ahmad and Planisek, 1994).DiversificationDiversification is the growth strategy where new products are to be delivered in new market. This strategy is more risky for business growth as often business takes longer time to survive in a new market. HLB recently spread their business in Vietnam. Since Vietnamese culture differs from Malaysia, the bank has to adopt the culture as well as compete with well generateed Vietnamese banks. (Shankar, Smith, and Rangaswamy, 2003) (Evans and Beltramini, 1987)4.3 Method for Pursuing Strategic DirectionForward Looking PolicyMonetary policy management needs a forward-looking policy due to the time gap between policy actions and their intended effects on output and inflation. HLB built a macro model which would determine the impact of policy actions. Understanding the microeconomic factors are important too determine the inter-linkage of monetary policy mechanism. (Fornell and Wernerfelt, 1987)Deepening of Financial MarketsNew financial products are traded in the Money/Bonds market by the introduction of Hong Leong Banks Debt Capital Markets Structured Finance (DCM/Structured Finance) unit within Wholesale Banking provides innovative tailored solutions to financial institutions, corporate, agencies and high net-worth individuals through comprehensive offerings in the debt capital markets. (Dannenb erg and Kellner, 1998)Strong Foreign Currency ReserveForeign exchange reserves form part of the national assets and these needs to be deployed rationally keeping in mind the principles of safety, liquidity, and return. The reserves, which are currently deployed by the HLBs in-house reserve management treasury dealers, are in short-term high quality bank deposits. (Naser, Jamal, and Al-Khatib, 1999)Reliable and Secured Payment SystemsTo reduce the settlement time significantly and increase cost effectiveness the bank plans to establish an electronic clearinghouse to do almost every transactions online with tighten security and handy usability. Opening an account, apply for credit cards are already in place. The bank further steps in mobile banking for dedicated user. Recently the bank introduces e-broker services (HLeBroking). HLeBroking allows the flexibility of placing orders either through a phone call to our trading hub or via the internet. Professional dealers centralized in the hub are always on hand to execute transactions and monitor shares investment portfolio. (Shankar, Smith, and Rangaswamy, 2003) (Harris and Goode, 2004)4.4 Implication and military rank of AnalysisDuring this analysis it was assumed that strategies are reasonably orderly and knowable and, in turn, that manifest can help to evaluate theories that claim to explain these strategic positions. Data and information often founded confusing and imperfect. It seems almost certain that no single study can validate or invalidate a theory. Besides, there is a good chance that a large number of studies will not generate consistent results. (Agrawal, 2001)The methodology were used in analysis is not about developing a foolproof system it is at least partly an art. There is no mechanical system that will escape judgment, sense, and intelligence. tho this does not eliminate the need for techniques and standards. Product delivery approaches, geography, demography does plays role in strategic posi tion which were missing in the analysis done. (Hong Leong Bank, 2009)The strategic supply process adopted by HLB was participative, consultative and result oriented. But the takes time to achieve results. While some important factors the bank missed out during strategic choices, individual departments must do their respective environmental scans through a SWOT analysis whereby they identified their internal strengths and weaknesses as well as the external opportunities and threats. (Hong Leong Bank, 2009)Business trends changes randomly. Todays product may not be available tomorrow. Thus no strategic plan could be exactly fit into business strategy. However, HLB could consider a more diversified strategy which would be more beneficial to determine strategic stand.Justification of a StrategyAs the strategic position and strategic choices are different from the matrix analysis, a better strategic growth model is optimal solution.5.1 McKinsey Growth PyramidMcKinsey growth pyramid is a n upgraded interpretation of Ansoff Matrix with broader discussing of important strategic factors. With every possible action there are certain alternatives (e.g. acquisition, joint ventures, alliances etc) with risk measurement from low to high.Existing products to existing customersThis is considered lowest risk options go on businesses with current asset and current customer. But itll not be much beneficial for bank in long terms.Existing products to new customersIntroduce existing products to new customer which may help them meet their daily financial needs so that they dont look for other financial choices. Consumers always look for much return while bank always looks for low give-away. New customers can be a turning point for any bank. Demographical (e.g. adult, children, senior) products would be vital products to attract new customers. (Harris and Goode, 2004)New products and servicesOver time, new products must be channeled into banking business. Broader distribution if I slamic banking could be a important factor. It is seen that many nom-Muslims adopted for Islamic banking. Since there is trend of Islamic banking growth, the bank should not take the risk to risk the potential customers due to lack of proper preparation. Some of the products may be delivered to existing customers. Risk may incur if the products doesnt appeal the customers. (El-Bdour and Erol, 1989) (Gerrad and Cunningham, 1997)New delivery approachesTodays consumer seek more convenient service provider. Banks are not exempted indeed. Many banks had adopted special facilities for different customers. Priority banking could be one solution. In priority banking everyone is unique and therefore has very specific financial needs. Thats why bank will offer a comprehensive range of privileges for convenience. Setting up special services only for young genesis can be another important product delivery approaches. Dedicated services will invite more young generation to adopt the services. H owever, it could cost the bank some extra amount and if the products are not selling well, bank will face loss of resources. (Yoon, Guffey, and Kijewski, 1993) (Mols, 2001)http//www.filecluster.com/screenshots/61893.gifNew geographiesGeographical expansion is one of the most powerful options for growth but also one of the most difficult. The bank already went global opening branches in Singapore and Vietnam. This strategy is prove fine for well reputed bank (e.g. Citibank) but it has to be cautious in business. Geographical movement may bring new customers with solid financial needs but the bank has narrow down the scope of services due to high risk. (Sanzo et al, 2003)New industry structureThe bank may re-assert the liquidity dealership and continue to address the yield challenge. While economics of the business have changed, unlike other countries, pricing and credit spreads did not adjust in tandem in the Malaysia. The quality of strategic asset-liability management, liquidi ty and capital management differentiates. Re-asserting core businesses with efficiency, unit cost management, operating leverage, dynamic pricing as well as customer value or returns on each customer relationship. Cross-selling and customer service are key success factors. (Agrawal, 2001)New competitive arenasUsing competitive arena, business may transfer their resources and knowledge to new industry using vertical integration. This may pose immense risk to bank itself. Bank may loose it all investment. Despite the risk, this will help the bank grows rapidly and spread their products throw many distribution channels. (Gronroos, 1997)ConclusionThe pre- and post-crisis strategic postures are a tale of worldwide economic fall down. The postures are characterized by the scaling up of the business, refining value propositions in each business, responding to competition and price war, arrive at new capabilities and strengthening the risk and IT infrastructure as the bank sought to incre mentally improve our market share and positioning. (Hong Leong Bank, 2009) (Gustafsson, Johnson, and Roos, 2005)The era ahead is more opportunistic in nature, with a rapidly changing eco-system and higher regulatory and prudential requirements. The shadow of the state on the sector globally is more pronounced. 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