The Industrial And Commercial Bank Of China - 1537 Words

The Industrial and Commercial Bank of China (ICBC)has been designated as the first RMB clearing commercial bank in Luxembourg, which is one of the world s financial centres on September 16, 2014 (ICBC,2014).The Clearing bank is a commercial bank that is part of a network of banks that can clear cheque for its clients, regardless of whether cheque check originates from the same commercial bank (Language Forums).This achievement marked a major step for ICBC to create a global RMB clearing network across different time zones, while significantly improving the transfer efficiency on a global scale and convenient use of RMB,effectively broaden the channels for RMB funds which are used around the world.The reason for this success can be illustrated by two main points which are the strong domestic financial strength and outstanding overseas market cooperation.This essay will discuss the reasons for this success in detail by comparing with other Chinese commercial banks and then it will an alyze whether this achievement will continue in the future. The most important reason for achieving this privilege is the powerful financial strength of ICBC. ICBC is the world’s biggest RMB bank,with $3.1 trillion in total assets, far more abundant than the China Construction Bank (CCB) which is the second largest RMB bank with $2.6 trillion in total assets (Bank around the world,2014). In order to increase its reserves and yields, ICBC committed to enlarging it scale and scopeShow MoreRelatedIndustrial And Commercial Bank Of China978 Words   |  4 PagesIndustrial and Commercial Bank of China (ICBC), a state-owned commercial bank, is a strong pillar of the development of basic industries in China, and its role in the financial system is and will always be irreplaceable. The most obvious function is to support the real economy. During 2015, the balance of loans extended by the bank to strategic emerging industries reached RMB369.729 billion, increasing by 11.99% over the p rior year; the balance of loans to cultural industries reached RMB175.457 billionRead MoreIndustrial And Commercial Bank Of China Essay1497 Words   |  6 PagesPeople s Bank of China opened up the banking system and began allowing the emergence of state owned banks. The four state owned specialized banks that exist are Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China (ABC), China Construction Bank (CCB), and Bank of China (BOC). The state owned banks were a success so in 1994 the Chinese government decided to open three more banks that were dedicated to specific lending purposes and policymaking. The banks include China DevelopmentRead MoreBenefits Of Credit From Multiple Lenders1148 Words   |  5 Pagesborrowing from a single bank can eliminate the information disclosure that occurs when the firm borrows from multiple banks, it results in the firm’s competitors to infer that the firm is hiding information and react accordingly (Yosha, 1995). Detragiache et al (2000) provide a basic principle for a firm to look for multiple lenders by considering the cost incurred when it is denied credit by its bank for reasons. As an illustration, a temporary liquidity shortage leads the bank to be forced to denyRead MorePestel Analysis - Banking in China1112 Words   |  5 PagesUsing PESTEL analysis to understand the macro-environment that impacts the Banking Industry in China. Political Factors †¢ China has a socialist political system †¢ China has entered into the WTO and as part of the commitment to open up the banking industry, has issued the Rules for Implementing the Regulations Governing Foreign Financial Institutions in the People’s Republic of China , which allows Foreign financial institutions to provide foreign currency services to Chinese enterprisesRead MoreGlobal Warming And Climate Change Essay1354 Words   |  6 Pagescarbon footprint using Intergovernmental Panel on Climate Change (IPCC) Guidelines and data of World Bank. The frequently changing pattern of land use and industrial growth in India are essentially responsible for the issues and concerns about environmental risks. In the last two decades in India, the demand for transportation, energy generation, construction of buildings, residential and industrial sector grew significantly. This is contribution to air pollution across the countries (Sharma, 2013)Read MoreFinancial Market In China Essay1297 Words   |  6 Pagesintermediaries such as banks. China’s financial markets, however, are relatively undeveloped, with equities and debt instruments combined accounting for 3% of total assets, as compared to 32% in the US (Xiong 2017). The stock market in China is heavily speculative with volatile prices, while the bond market is still in development. In the absence of well developed financial markets in China, the financial sector sector is dominated by financial intermediaries, mainly banks. Bank deposits are 85% ofRead MoreThe Legal Framew ork For E Commerce1021 Words   |  5 Pages(Political factors: China has strong political system, which can help to boost its economy. Various new regulations are passed in their congress and these formal and informal rules help the economy to become stronger. It has the effective policy for the investors to invest their amount in various industrial sectors and government is also focusing on the development of e-commerce. The government has strong and firm commitment to flourish the business and increase the production of items of differentRead MoreThe Differences Between Theu.s And China Banking Systems Essay921 Words   |  4 PagesIn the essay I will discuss the main differences between the U.S and China banking systems. I will start by focusing on the over arching structure both banking systems use. I will talk about the check and balance system both countries use in order to regulate banks. I will go into depth on the different ways both countries used monetary policy in order respond to current and past economic slow downs. Compare and contrast the different stipulations that each banking system put in place in order toRead MoreRelationship Between Chinese And American Financial Markets1379 Words   |  6 Pagesbelieve this research is essential because of the sheer interconnectedness of the global banking system; and the rise of China specifically has implications that should not go misunders tood. The Rise of China The last forty years of development has weighed almost entirely toward the successful implementation of Eastern Asia into Western Culture. It was not until the 1980’s that China was able to fully transition from a closed economy to an open one. This transfigured the economy by spurring rampedRead MoreCitigroup Case Study896 Words   |  4 PagesCitigroup in Post-WTO China Lorenzo E. Pina November 6, 2006 Abstract This summary provides a debate of the Citigroup Corporation. The main arguments, debated by Team E, discuss whether Citigroup has displayed adaptability on expanding its operations into China. The conclusion summarizes Team E agreement that Citigroup has displayed environmental adaptability in its attempt to expand operations in China. Citigroup Case Study China has made it difficult for foreign banks to go into their country

Animal Experiments Or Torture - 924 Words

Experiments or Torture? Imagine being trapped in a cage for a lifetime. Picture being tortured through â€Å"experiments.† This is the life many animals in biomedical research are forced to live . Nowadays, most of the animal experiments are conducted on mice, rats, fish, and other animals that are excluded from the Animal Welfare Act of 1966. Animal experiments cause psychological and physical harm to the animals with a complete lack of respect for their quality of life which is why they must be banned. The effect that biomedical research experiments have on these animals is detrimental. According to the Physicians Committee for Responsible Medicine, PCRM researchers found in a 2011 study that â€Å"previously-traumatized chimpanzees exhibited signs of mood and anxiety disorders similar to PTSD and depression in humans† (Animals Psychological and Social Lives 2/3 ). These illnesses completely destroy these animals mental state, which hinders their ability to socialize. These chimpanzees can no longer socialize properly due to the effects of animal testing. Furthermore, the International Association Against Painful Experiments on Animals stated that psychologists have concluded that deliberately induced stress can arise â€Å"from social isolation, either by solitary confinement or by separation of infant animals from their mother† (Psychological Behaviour Animal Experiments And Research Testing 2/4 ). These animals are starting to stress out at very young age. This earlyShow MoreRelatedEssay on Animals Rights Should Be The Golden Rules850 Words   |  4 PagesSlaughter. Torture. Neglected. Starvation. Everyday innocent animals have to face these consequences because of us. Animals can show more love and affection to us than we humans can. Animals are not only subjects to animal testing, fur farming, breeding, factory farming, dog fighting, but also many other purposes. Animal cruelty perfectly epitomizes the fact that animals can show more compassion, respect to others. A dog, otherwise known as a â€Å"man’s best friend† always has this thing called a collarRead MoreAnimal Testing Is Morally Wrong?878 Words   |  4 Pages a lot of different types of animals suffer through painful and unnecessary tests. An animal being used for scientific experiments is wrong because it is inhumane, expensive, and unpredictable. Animals in laboratories live lives of loss, pain, loneliness, and torture. Various studies have shown that animal experimentation often does not even help humans. Some even lead to harmful human reactions to the drugs being tested on animals. Yet we continue to use animal testing while other courses ofRead MoreAnimal Testing: A True Ethical Dilemma Essay1622 Words   |  7 Pagesis the life of a laboratory animal. Animal testing is the use of animals for scientific research purposes and experiments. It can be used for the findings of cures and medicines to testing new drugs, to understanding the behavioral psychology of the animals themselves. â€Å"Around fifty to one hundred million vertebrate animals, ranging from fish to primates, are used in experiments each year† (Lloyd). There are many different terms used to describe the research on animals but two main ideas. In vivoRead MoreAnimal Experimentation Is Unnecessary and Cruel Essay946 Words   |  4 PagesEvery year, millions of animals suffer through painful and unnecessary tests. Animals i n laboratories all over the world live lives of deprivation, pain, isolation, and torture. Even though vast studies show that animal experimentation often lacks validity, leading to harmful human reactions, we still continue to use this method of experimentation, while many other less-expensive and more beneficial alternatives exist. Going beyond the issue of animal experimentation being morally wrong, this formRead MoreDo Animals Have Rights?900 Words   |  4 PagesDo Animals Have Rights? Animals have rights, or at least they should. Animals are not for us to eat, experiments on, wear or abuse in any which way. It is cruel to treat animals like they are not living souls. Animals are not tools that we can use however we want. They too have hearts and brains like us humans. Therefore, animals have all the rights to live their own lives without suffering and free from exploitation (Why). Animal testing is performed for the making of human products. Even afterRead More Horrors of Animal Research, Testing, and Experimentation Essay1648 Words   |  7 PagesThe Horrors of Animal Testing    The torture and murder of millions of animals annually has been occurring for centuries now. Every year we ignore it, and every year the numbers grow. The act of vivisection or the practice of experimenting on animals began because of religious prohibitions against dissection of human corpses. After religious leaders lifted these prohibitions, it was too late. Vivisection had become a major part of medical and educational research. As well as major part of productRead MoreShould Animals Be Torture And Abused?1178 Words   |  5 PagesWhy should animals have to be torture and abused? Is it because they are not human? Is it because they are not capable of stopping us? Animal use for drug experimentation has sparked controversy around the world. So why are animals for harmful testing? Each year millions of animals such as mice, rats, rabbits, and primates suffer through excruciating amounts of physical and mental torture. In recent years, the use of these animals has been has been strictly criticized by numerous animal rights groupsRead MoreAnimal Testing Should Not Be Banned891 Words   |  4 PagesHumans are Animals Every year millions of animals are burned, tortured and crippled in research that does not even result in safer products for humans. In fact, more than 90% of experimental drugs that are shown to be safe and effective in animals do not work for humans and are considered unsafe. Animal testing is barbaric; the small benefit that may be gained through testing in no way rights the torture these animals are put through. Not only is the testing harmful to the animals, it is extremelyRead MoreAnimal Experimentation Essay1044 Words   |  5 PagesAnimals suffer just as people do. In 2009 animal experimentation was the cause of over 1.13 million animals, excluding small rodents, suffering in U.S. Laboratories (U.S. Department of Agriculture, Animal and Plant Health Inspection Service). Animal experimentation is unethical, unnecessary and expensive; alternative methods of testing should be utilized. It is unethical to use the cruel methods of animal experimentation for our own benefit alone. The animals used in research range from birdsRead MoreAnimal Testing Should Be Banned880 Words   |  4 Pagesdepending on animals testing. Therefore, if people talk about laboratories, they should remember animal experiments. Those animals have the right to live, according to people who dislike the idea of doing testing on animals; the other opinion, supports the idea of animal testing as the important part of the source of what has reached medicine of the results and solutions for diseases prevalent in every time and place. Each year huge numbers of animals are sacrificed for the science all these animals, whether

Faulkners Wake-up Call free essay sample

During the years following the Civil War, the South went through a period of drastic change. The aristocratic landowning class, who used to prosper from an agrarian economy dependent on slavery, now had to adapt to the New South—a region starting to embrace the Norths industrialization and egalitarianism.Many of these white aristocrats, however, were bound to traditions of the Old South and refused to accept their new reality. This inability to adjust spiked criticism from William Faulkner who was one of the most acclaimed southern novelists at that time. In the short story A Rose for Emily, Faulkner criticizes the Old Souths reluctance to accept change by showing how Miss Emily Griersons inability to adapt leads her to live a miserable life. Miss Emily refuses to conform to a society that does not revere her as noble anymore. After the Civil War, the social stratification, which placed aristocratic families like the Griersons in the highest class, was dissolved. Thus, the townspeople do not perceive Miss Emily as a prestigious figure anymore, but instead as a fallen monument(Faulkner 143). She, however, lives trapped in the past, believing she is too genteel to interact with anyone from the town. This behavior becomes evident in the story once the narrator says, the Griersons held themselves a little too high for what they really were (Faulkner 146). As a result, Miss Emily is condemned to a life of loneliness until death, rattling around inside an old plantation house for decades with no one to take care of her. She becomes a victim of her own stubbornness to accept change. In fact, many literary critics agree with this interpretation. Cleanth Brooks describes Miss Emily as a conscious aristocrat who insists on meeting the world on her own terms and interprets this as an attitude in which both the admirable and the horrible reside (qtd. in Jones 107). In these statements, Brooks is clearly referring to how Miss Emilys refusal to adjust to a new social stratification determines her own tragic fate. This fact is important because it helps the reader understand how the author accomplishes his goal through the story. Faulkner chose this unwillingness to adapt to a new society as one of Miss Emilys characteristics because he wanted to criticize his Southern contemporaries who also refused to believe they were not on top of the social ladder anymore. In addition to refusing to accept her diminished role in society, Miss Emily is defiant towards the modernization of the town. During the time in which the story takes place, the South is becoming a region with innovative ideas and laws. However, since Miss Emily is attached to her antebellum traditions, she refuses to accept these innovations. When the town establishes a postal delivery system, she does not allow the city authorities to attach a mailbox to her house. Also, she refuses to pay taxes, believing the old arrangement with Colonel Sartoris will last forever. These stubborn actions cause the townspeople to have a feeling of antipathy towards Miss Emily, which becomes clearly noticeable when they say her suicide would be the best thing (Faulkner 148). Therefore, Miss Emilys reluctance to accept the towns modernization is also another factor that leads her to live a lonely life. Hans Skei, a professor of comparative literature for the University of Oslo, interprets this fact in a similar way. When analyzing the consequences of Miss Emilys refusal to accept innovations, Skei asserts, the incredible changes around her simply leave her behind as an anachronism (154). In other words, by not complying with the modernization of the town, Miss Emily, like any other old-fashioned symbol, is slowly being forgotten by the townspeople, who now only see her as a tradition, a duty, and a care (Faulkner 144). This interpretation on her life is equally significant to the authors main message in the story. Faulkner created her with this characteristic because he wanted to comment on the Old Souths struggle to accept the Norths industrialization. Finally, Miss Emily is so opposed to change that she even refuses to acknowledge death.In order to keep living in her timeless vacuum, she cannot let the dead go as they would be the only ones who would still share the principles and ideals from the antebellum world. As a result, Miss Emily is led to live a perverse life in which she tries to escape change by attempting to live among the dead. Faulkner shows her facing this consequence in the story when he reveals Miss Emilys macabre and bizarre bridal chamber. The fact she keeps the body of Homer Barron clearly shows how her refusal to accept death brings misery and madness to her life as she becomes even more bound to the past. Indeed, professors of American literature draw a similar connection between these facts. Melvin Backman asserts Miss Emily clutches so deludedly at a dead past that life itself is denied(81). If this interpretation is analyzed along with the authors historical context, they can represent something even more significant to his purpose in writing this story. Perhaps Miss Emilys reluctance to accept death is an allusion to the people from the Old South who were living a way of life that was also already dead. Faulkner clearly used Miss Emily as a vehicle to send his main message in the story. Her refusal to adapt in a new society, defiance towards the modernization of the town, and reluctance to acknowledge death all represent the Old South and its struggle with the post-civil war reconstruction. Furthermore, the fact she pays the price of these actions by living a miserable life reveals the authors purpose. Faulkner wrote A Rose for Emily to warn his Southern contemporaries that denying change can only bring suffering to a persons life. Works Cited Backman, Melvin. Faulkner: The Major Years. Indiana University Press, 1966. Faulkner, William. A Rose for Emily. Portable Literature, edited by Laurie G. Kirszner and Stephen R. Mandell, Cengage Learning, 2016, pp. 143-151. Jones, Laura. Readers Guide to The Short Stories of William Faulkner. G. K. Hall Co, 1994. Skei, Hans H. Reading Faulkners Best Short Stories. University of South Carolina Press, 1999.

Othello Tragedy Essays - Othello, Iago, Michael Cassio, Emilia

Othello Tragedy Dustin Mills English 102 Dr. Elisabeth Sachs Othello Essay Honest Iago One of the most interesting and exotic characters in the tragic play Othello, by William Shakespeare, is honest Iago. At first Iago seems to be motiveless. However, the motivation behind his actions lie more in Iago's quest for personal gain, as opposed to just being evil for evil's sake. Iago's greediness can be validated by examining his manipulation of Roderigo, Cassio, and most importantly, Othello. Iago's main interest is the destruction of Othello. The reason being that Othello has chosen another man, Cassio, as his second-in-command, preferring him to Iago. This resentment, accompanied by Iago's accusations of adultery and his blatant racism, cause Iago to despise the kindly moor. Because Iago is much too smart to immediately kill Othello, he proceeds with the arduous process of dismantling him emotionally. Iago also knows he must distance himself from any part of this, so he cleverly gets someone to do his dirty work. The first to fall victim to Iago's manipulation is half-witted Roderigo. Iago knows Roderigo is consumed by lust for Desdemona, and would do what it takes to make her his own. Iago tells Roderigo that the only way to win Desdemona's love is to make money to procure gifts for her. Put money in thy purse?(act I scene 3 line 339). However Iago is just taking those gifts intended for Desdemona and keeping them for himself, and making a profit. Roderigo eventually starts to question Iago's honesty. When faced with the accusations, Iago simply offers that the killing of Cassio will aid in his cause and Roderigo falls for it. In doing this, Iago keeps Roderigo in the dark and continues to profit from him monetarily. Roderigo is also used as a device in both Cassio and Othello's downfall. Iago's actions demonstrate his monetary and power based motivations, invalidating the claim that Iago is evil for evil's sake. Cassio like Roderigo follows Iago blindly, thinking the whole time that Iago is trying to aid him, when in fact Iago, motivated by his lust for power, is attempting to remove Cassio of his position as lieutenant. With Roderigo's help Iago causes Cassio to forfeit his position as Othello's second-in-command. Cassio is also used to bring out the monster inside of Othello. In Iago's exploitation of Cassio, it is clear to see that, although evil in his deeds, Iago is strictly motivated by his hunger for power. As mentioned earlier, Iago's main intention lies in the degradation of Othello. Iago feels that he was best suited to hold the position of lieutenant, as opposed to Michael Cassio. From this Iago manufactures accusations of adultery, claiming that Othello has slept with his wife, Emilia. ?Twixt my sheets/ he's done my office.(Act I scene 3 line 380) These accusations are merely excuses to validate his own pleasant acts and greed, and should be seen as nothing more. Again it's plain to see that, in Iago's deception of Othello he is motivated by his jealousy and subsequent bitterness. In conclusion, it's evident that Iago is evil for greed's sake, as opposed to evil for evil's sake. His craving can be seen in his clever manipulation of Roderigo, Cassio, and Othello. He uses Roderigo for his own financial benefit, as well as support his master plan; the destruction of Othello. Cassio was unfortunate enough to be chosen ahead of Iago as Othello's second-in-command, and was reduced to a deteriorated state by Iago because of it. Lastly, driven by his bitterness towards Othello for choosing Cassio over him, Iago takes it upon himself to ensure Othello's demise. Iago is an extremely complex character, and far from ordinary. His complexity and uniqueness makes him one of Shakespeare's greatest villains.

Needs Assessment.

Needs Assessment. With the given situation of a new job and a new plant, the method choice for assessment would be the focus groups. As compared to the other methods, this was found most suitable for the circumstances being as it had more advantages than disadvantages for the scenario. The advantages of using this method for the company's needs assessment are: (1) The method is found useful with complex issues and with a new position and a new company, the face-to-face meeting with subject-matter experts would be necessary in constructing a needs assessment for a new training program. (2) Questions are modified to foresee and consider any unanticipated issues that may poise as a future obstacle. The assessment is based on speculating what the needs are going to be and not what they already are. And with the listed disadvantages, two are automatically disregarded on the basis that this organization is a new one and group members attending are also new and this makes the focus meeting a non-threatening one.The new construction of the team dissolves the possibility of being misinformed on job performances, and team members are more willing to contribute sincere information. For a decent assessment the consumption of time or the utilization of a skilled specialist are essential.Upper-Level Management in the Needs Assessment.The second part of the needs assessment analysis, 'who' the training exists for, was traditionally left up to the trainer to decide. But with the changes in the marketplace, a competitive advantage required more from the training process than just the basic skills development. Incorporating upper-management into the assessment process ensures a broader perspective and lines up the training and development goals with that of the company. When evaluating for a needs assessment, the management levels seek the answers for different inquires. The subordinate...

Commerce Clause Meaning and Applications

Commerce Clause Meaning and Applications The Commerce Clause is a provision of the U.S. Constitution (Article 1, Section 8) that grants Congress the power â€Å"to regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes. This law gives the federal government the power to regulate interstate commerce, which it defines as the sale, purchase, or exchange of commodities or the transportation of people, money, or goods between different states.   Congress has historically cited the Commerce Clause as justification for laws and regulations controlling the activities of the states and their citizens. In some instances, these laws lead to controversy over the constitutional division between the powers of the federal government and rights of the states. Dormant Commerce Clause The courts have interpreted the Commerce Clause as not only an explicit grant of power to Congress, but also an implied ban against state laws that conflict with federal law- sometimes called the Dormant Commerce Clause. The Dormant Commerce Clause refers to the Commerce Clause’s implied prohibition against state laws that conflict with federal law by discriminating against or excessively burdening interstate commerce. This prohibition is primarily intended to prevent the states from enacting â€Å"protectionist† trade laws. What Is Commerce? Since the Constitution does not explicitly define â€Å"commerce,† the exact meaning is a source of legal debate. Some constitutional scholars contend that â€Å"commerce† refers only to trade or exchange. Others argue that it has a broader meaning, referring to all commercial and social interaction between residents of different states. These divergent interpretations create a controversial line between federal and state power. Interpretation of Commerce: 1824 to 1995 The first legal interpretation of the scope of the Commerce Clause came in 1824, when the Supreme Court decided the case of Gibbons v. Ogden. In one of the first major expansions of the powers of the federal government, the Court ruled that Congress could use the Commerce Clause to enact laws regulating both interstate and intrastate trade. In the 1905 case of Swift and Company v. United States, the Supreme Court refined its 1824 interpretation by ruling that Congress could apply the Commerce Clause in regulating the practices of local businesses- intrastate commerce- only if those local business practices were in some way a part of a â€Å"current† or stream of commerce that also involved the movement of goods between states. In the 1937 case of NLRB v. Jones Laughlin Steel Corp, the Court significantly broadened the reach of the Commerce Clause. Specifically, the Court held that any local business activity could be defined as â€Å"commerce† as long as it had or was likely to have a â€Å"substantial economic effect† on interstate commerce. Under this interpretation, for example, Congress gained the power to enact laws regulating local firearms dealers if any of the guns they sell are manufactured outside of their states. Over the next 58 years, not a single law based on the Commerce Clause was invalidated by the Supreme Court. Then, in 1995, the Court narrowed its interpretation of commerce with its ruling in the case of United States v. Lopez. In its decision, the Court struck down parts of the federal Gun-Free School Zones Act of 1990, finding that the act of possessing a firearm is not an economic activity. Current Interpretation: The Three-Part Test When deciding that a state law is a valid exercise of the state’s power to regulate interstate commerce under the implied prohibitions of the Commerce Clause, the Supreme Court now applies this three-part test: The law must in no way discriminate against or excessively interfere with interstate commerce.The commerce regulated by the state law must not be of a nature that requires regulation by the federal government.The federal government’s interest in regulating the commerce in question must not outweigh the interest of the state. To uphold a state law under the Commerce Clause, the Supreme Court must find that the law’s benefits outweigh its burdens on interstate commerce. In addition, the Court must find that in enacting the law, the state is not attempting to advance the economic interest of its own citizens over those of the citizens of other states. Current Applications in Law In its 2005 decision in the case of Gonzales v. Raich, the Court returned to a wider interpretation of the Commerce Clause when it upheld federal laws regulating the production of marijuana in states that had legalized marijuana possession. The Supreme Court’s most recent interpretation of the Commerce Clause came from the 2012 case of NFIB v. Sebelius, in which the Court upheld Congress’ power to enact the individual mandate provision of the Affordable Care Act requiring all uninsured individuals to secure health insurance or pay a tax penalty. In reaching its 5-4 decision, the Court found that while the mandate was a constitutional exercise of Congress’ power to tax, it was not a proper use of Congresss Commerce Clause or Necessary and Proper Clause powers. Sources †Commerce Clauseâ€Å" Legal Information Institute. Cornell Law School.â€Å"Commerce Clause Limitations on State Regulation.† University of Missouri-Kansas CityWilliams, Norman. Why Congress May Not Overrule the Dormant Commerce Clause. UCLA Law Review (2005). â€Å"Federal Courts Split on Constitutionality of Individual Mandate in Health Care Law.† Regulatory Review (2011).

Senior Project - Team Contract Essay Example | Topics and Well Written Essays - 750 words

Senior Project - Team Contract - Essay Example The deadline for turning in the work should be set well before the final deadline so that any changes that need to be made can be accomplished. The best case scenario would be to see that all components are turned in at least two days before the deadline so that the work can be assessed for its value by all of the members of the team. By creating this deadline, the group can ensure that there is enough time for all aspects of the project to be perfected after evaluations by each member. If a member does not turn in their work by the team deadline it will give the team time to compensate for this problem. Lack of participation will be incorporated into the notes that will be made on the overall project and reported according to the guidelines that are provided for the project. Team leadership will be selected according to a group discussion. However, the best teams are not divided by leadership, but by responsibilities. Therefore, the team leader will have the responsibility of making sure that all aspects of the project are in on time, but will not be given the powers to rule over issues that occur during the project nor be given the power to veto aspects of the project. The goal will be to work as a team in such a way as to encourage the strengths of each team member and compensate for any weakness. The team leader will organize the details of the project, but will not have the power to control the project. This should be a collaborative effort, rather than ruled by a dictator. Section III In order to deal with team conflict, it will be necessary to put into place a way to negate any disagreements on how the team should progress towards its goals. Conflicts can occur due to a number of different problems that might arise during the project. Seeing the project through different ideas will be the first potential problem. A team vote on how to focus the project from the beginning will help to negate this potential problem. Making sure that all members are on boar d and agree on how the project should proceed will be the best way to prevent problems from the beginning. A second problem that might arise involves the issues of strengths and weaknesses. Before tasks are given to each of the members, it is important that each member identifies which parts of the project will give them the best opportunity to excel and which aspects are representatives of weaknesses. Creating a chart that identifies all tasks and allowing members to identify their strengths and weaknesses will assist in giving responsibilities and in balancing out where weaknesses are shown. The team agrees to handle all conflicts through mature and reasonable methods of communications. The team agrees that it will not argue, but discuss any disagreements on the project and that it will be necessary to sometimes deal with conflicts that arise. Through a recognition that the potential for a disagreement exists, it is clear that the project members are willing to work through any pr oblems that might come to light. As disagreements come to light, the differing sides of the problem will be discussed through breaking down each element of the disagreement, assessing which portions are similar and which elements require a decision or

The Success and Challenges of Ryanairs Operations and Marketing Essay

The Success and Challenges of Ryanairs Operations and Marketing Strategies - Essay Example It is evidently clear from the discussion that the technology which is used by Ryan Air is one of the key factor successes because it saves check-in time and also helps to reduce check-in staff costs. Through this process, a company can maximize its profits. Effective resource planning and redesigning its operations are also the success factors. The company maintains low fare as it is generally operated short distance trips. This policy attracts fare-conscious customers who have to travel frequently. The demand is increasing and the travelers are motivated as they are getting the best value for money air services. The company carries out point to point operations on a regular basis which helps to eliminate the requirement of frills services. This point to point operation eliminates extra cost and travelers can get direct routes and non-stop services which cannot be provided by the long route airlines services. Units costs are also reduced as the aircraft are utilized more. As the rou tes are direct so it helps to reduce operating costs and further expenses. It targets to reduce aircraft equipment costs. They have generally used the single type of air crafts but later they upgraded it by using the new model of aircraft for stiff competition in the market and also for environmental rules and regulations. So this competitive mentality is another key factor of success as well as they are thinking about the society at large and agreed with corporate social responsibility. The company has the core competence which is nothing but a set of technology and skills. Through this core competence, the company enables to achieve a particular benefit which they also can provide to its customers.

Similarities between college and high school Essay Example for Free

Similarities between college and high school Essay College and high school are very similar because they both focus on making us a better player in the race of life. First of all, students have to earn good grades. In college students have to get good grades in order to have a better career, likewise in high school pupils have to get decent grades to get accepted into a better college. Second, the classes are similar. The courses we take in college and high school have same context, however college courses are more challenging. In addition, college and high school teaches the same way. They both have textbooks, teachers, classrooms, homework, and of course the final exam. Moreover, they both have clubs and organizations. High school and college have organizations and clubs that a student can join that fits their interests, these organizations and clubs can make their college application or a resume look worthy. For these reasons, it is clear that college and high school have similarities in many ways. College and high school are very similar because they both focus on making us a better player in the race of life. First of all, students have to earn good grades. In college students have to get good grades in order to have a better career, likewise in high school pupils have to get decent grades to get accepted into a better college. Second, the classes are similar. The courses we take in college and high school have same context, however college courses are more challenging. In addition, college and high school teaches the same way. They both have textbooks, teachers, classrooms, homework, and of course the final exam. Moreover, they both have clubs and organizations. High school and college have organizations and clubs that a student can join that fits their interests, these organizations and clubs can make their college application or a resume look worthy. For these reasons, it is clear that college and high school have similarities in many ways. College and high school are very similar because they both focus on making us a better player in the race of life. First of all, students have to earn good grades. In college students have to get good grades in order to have a better career, likewise in high school pupils have to get decent grades to get accepted into a better college. Second, the classes are similar. The courses we take in college and high school have same context, however college courses are more challenging. In addition, college and high school teaches the same way. They both have textbooks, teachers, classrooms, homework, and of course the final exam. Moreover, they both have clubs and organizations. High school and college have organizations and clubs that a student can join that fits their interests, these organizations and clubs can make their college application or a resume look worthy. For these reasons, it is clear that college and high school have similarities in many ways. College and high school are very similar because they both focus on making us a better player in the race of life. First of all, students have to earn good grades. In college students have to get good grades in order to have a better career, likewise in high school pupils have to get decent grades to get accepted into a better college. Second, the classes are similar. The courses we take in college and high school have same context, however college courses are more challenging. In addition, college and high school teaches the same way. They both have textbooks, teachers, classrooms, homework, and of course the final exam. Moreover, they both have clubs and organizations. High school and college have organizations and clubs that a student can join that fits their interests, these organizations and clubs can make their college application or a resume look worthy. For these reasons, it is clear that college and high school have similarities in many ways. College and high school are very similar because they both focus on making us a better player in the race of life. First of all, students have to earn good grades. In college students have to get good grades in order to have a better career, likewise in high school pupils have to get decent grades to get accepted into a better college. Second, the classes are similar. The courses we take in college and high school have same context, however college courses are more challenging. In addition, college and high school teaches the same way. They both have textbooks, teachers, classrooms, homework, and of course the final exam. Moreover, they both have clubs and organizations. High school and college have organizations and clubs that a student can join that fits their interests, these organizations and clubs can make their college application or a resume look worthy. For these reasons, it is clear that college and high school have similarities in many ways.

Tensions in Stopping by Woods on a Snowy Evening :: Stopping Woods Snowy Evening

Tensions in Stopping by Woods The poem as a whole, of course, encodes many of the tensions between popular and elite poetry. For example, it appears in an anthology of children's writing alongside Amy Lowell's "Crescent Moon," Joyce Kilmer's "Trees," and Edward Lear's "Owl and the Pussy-Cat." Pritchard situates it among a number of poems that "have ... repelled or embarrassed more highbrow sensibilities," which suggests the question: "haven't these poems ['The Pasture,' 'Stopping by Woods...,' 'Birches,' 'Mending Wall'] been so much exclaimed over by people whose poetic taste is dubious or hardly existent, that on these grounds alone Frost is to be distrusted?" The views represented--and the representations of the poem itself, affiliated with the work of Dickinson, Longfellow, Dante, and the Romantics--range from emphasis on its gentility to its modernist ambiguity. Nevertheless, more than one critic underscores its threat to individualism, its "dangerous pro spect of boundarilessness," which suggests the masculine conception of poetic selfhood with which the poem is commonly framed. Seasons were a conventional means to illustrate feelings, as in Helen Hunt Jackson's "'Down to Sleep'": November woods are bare and still; November days are clear and bright; Each noon burns up the morning's chill; The morning's snow is gone by night; Each day my steps grow slow, grow light, As through the woods I reverent creep, Watching all things lie "down to sleep." I never knew before what beds, Fragrant to smell, and soft to touch, The forest sifts and shapes and spreads; I never knew before how much Of human sound there is in such Low tones as through the forest sweep When all wild things lie "down to sleep." Each day I find new coverlids Tucked in and more sweet eyes shut tight; Sometimes the viewless mother bids Her ferns kneel down full in my sight; I hear their chorus of "good night," And half I smile, and half I weep, Listening while they lie "down to sleep." November woods are bare and still; November days are bright and good; Life's noon burns up life's morning chill; Life's night rests feet which long have stood; Some warm soft bed, in field or wood, The mother will not fail to keep, Where we can "lay us down to sleep."

The phenomenon of city as a symbol of a modern way of life

The phenomenon of city as a symbol of a modern way of life is as complex as the structure of modern societies. In fact, city can be seen as a miniature version of a smaller society within a larger one, as most people living in cities tend to strongly identify themselves with them. And if we take into account the fact that in the Western world the percentage of city dwellers in contrast to people living in the countryside is continuing to grow due to the process of urbanisation (Hayward, 2004, pp.17-18), the phenomenon of city as a of dominant life style of humans deserves the most attentive examination.In particular, the urgent topic in the study of the ways in which city functions is the problem of its inner structure and dynamics in light of the often voiced concerns that the contemporary city is becoming more fractured and polarised than ever. The disturbing degree of this polarisation can be appreciated with the help of the so-called ‘dual city theory’, which, among other things, aims to show how the changes in economy, such as the removal of most of manufacturing jobs from the urban areas coupled with the state`s minimal involvement into the social sphere, lead to significant changes in the social structure of modern cities â€Å"in which the richer get richer, the poorer more poor and the middle classes are shrinking† (Holt-Jensen, 2002, p.3).Still, even without this socio-economic aspect of the city life, there is a plenty of reasons why the contemporary city may become fractured. One of them is the presence of ethnic sub-groups in many cities that occupy distinct areas and in this way in essence form isolated cultural islands. This peculiarity of many modern cities is reinforced by the more traditional but very important division between their functional parts, such as historical districts, usually attractive for tourists, downtown, industrial areas, and bedroom communities. This internal structure also inevitably shapes the economic and social structure of cities, as being historically perpetuated this type of division forms corresponding social patterns, represented by correspondence of a certain city district to a certain social class of people inhabiting it. As a sad example of such a firm correspondence may serve districts with the increased criminal activity, which cannot be exterminated by any legal enforcements.As the result of the working of the mentioned factors, it is indeed possible to say that the contemporary city in many respects resembles a fractured and polarized environment, in which it is possible for people to feel themselves lonely even in the crowd (Clarke, 2003, pp.192-195).By the way, speaking about specific problems stemming from the high density of population in most modern cities, such as ubiquitous traffic jams or the issue of environmental pollution, it is worth to mention that it is perhaps one of the unifying factors for all the city communities as such challenges require a cohere nt and unanimous action. Also, in relation to the positive roles that cities play in the modern world, it should be said that in their frames a lot of opportunities exist for the cultural exchange and development, so that cities can be seen as miniature melting pots of languages and cultures.As we can see, the view that the contemporary city is becoming more fractured and polarised is indeed not devoid of the truth. However, it seems safe to claim that this is happening not so much due to the peculiarities of the life in cities as such, but rather due to the natural processes of social interaction. Thus, city is an environment in which all the forms of social change are just manifested and amplified in a very clear form. SourcesClarke, D., B. (2003). Consumer Society and the Postmodern City. RoutledgeHayward, K. (2004). City Limits: Crime, Consumer Culture and the Urban Experience.

Personal Goal

Throughout my life there have been a lot of people, books and audio tapes that have taught me important lessons. For me, making the right decision in life is crucial as I believe we have only one life and one chance and we should make the most of it. In my life I want to be known for my successful career, my generosity and my positive influence towards people. I guess this is my long term goal in life and I am confident that my study in Northeastern University will take me closer towards my goal in life. Since I was twelve years old, I was in a position where I needed to choose between going to school in Indonesia, where I would stay close to my family and friends, or going to school in Australia, where I would get a better education, but be by myself, far away from my family and friends. I took action and moved from my comfort zone. Moving and living into a totally new country is certainly a great life experience which thought me that determination and self-motivation is the key in helping one succeed in life. My parents always remind me that when the time comes my responsibility is to continue our family business and taking care of my brother and sisters. It is in our culture that the eldest son in the family had the responsibility to take care of the whole family. I believe it is not an easy task but as a responsible son I will prepare and equipped myself with whatever I need to achieve this goal. My short term goal is to have a real working experience in one of the leading company in the United States. When choosing a University in United States, it was always my intention of not getting just a business theory but more importantly real working experience in a company. I do my research and finds that Northeastern University is known for its internship program in United States. In doing MBA degree at Northeastern, I will choose finance as my career track. I choose finance firstly because it is an important area that I need to understand in order to take my family business to the next stage and I also believe that by taking this career track it will get me ready to face the real business world. I am confident that by taking a MBA at Northeastern University will help me to achieve my short term goal of equipping me with knowledge and a real working experience that I really need. Determination and Self motivation is what will keep me moving towards my life goal and I believe that with strong determination and self motivation I will be able to accomplish all of my goals in life. Please answer the following questions: a) What have you learned in your research on Northeastern that has motivated you to apply? ) What unique contributions will you bring to the Northeastern community as a student? c) How will you benefit personally and professionally from your experience at Northeastern? A) The most appealing factor that motivated me to apply is the fact that Northeastern is one of the top Universities in United States that have the best internship program and the recommendation by people who claimed that the schools are so helpful with their students. I believe that University involvement in helping their student succeeding in their career is very important. I read a review that stated that Northeastern provide students with a lots of tools and workshop for their internship. B) In my career both in Indonesia and Australia, I had the opportunity to experience many different kinds of activity from sporting activity, community activity to working experience. My sporting experience includes representing Indonesia to play in an international U-13 competition, playing musical instrument in a band for a concert in Australia, one of a member in Indonesian Student Association in Australia, as well as having two years experience working as a marketing manager in a building material manufacturer company in Indonesia. As a student I am confident that my experience will bring unique contribution to Northeastern Community. C) Personally the most valuable thing that I could have is experiencing and learning in different culture, different environment and diverse people from all over the country. The chance of being able to be around different people from different country and background are priceless for me because it will open my mind about being able to adapt in a diverse environment and a challenge to be able to settle and work together with people from different culture and background. An experience outside university as well as in the workplace will no doubt give me a price less experience especially towards my career internationally, because in a business world we have to be able to deal with almost everyone and I will take this opportunity as my chance to practice this rare opportunity. I look forward to meeting new people from all over the world, making new friends, learning about the western culture, doing new activity and working together as a team. Another personal benefit is that living away from my family will make me able to be live independently and solving problems on my own. I believe that as I move along in my study at Northeastern I will have more and more benefit that right now I have not seen.

The rise of the qin dynasty Essays

The rise of the qin dynasty Essays The rise of the qin dynasty Essay The rise of the qin dynasty Essay The role/importance of Qin Shi Huang in early China Today China is a great industrial power, its rapid economic growth over the past few decades have been very remarkable. Almost everything is made in China, almost every United States citizen can be seen with at least one consumer item from the country. But this country was not always this great economic power. Long before China became the great power it is today, long before it was even a country, China was secluded from the outside world. Chinese history primarily focused on inner China because the surrounding area contained a very hostile environment. This independence thrust on the Chinese from its seclusion serves to explain how the Chinese developed a unique and independent civilization. Even within China, the country was never a unified state in ancient times. Rather, it was divided into dozens of independent Chinese states. However, after centuries of fghting, seven major kingdoms emerged, the most important being the kingdom of Qin. It was within this kingdom that Wang Ying Chen unified China after years of ruthless fighting. Under this king, China was, for the first time ever, unified under one ruler. When Wang came into power, his title as king was not good enough, so he renamed himself Shih Huang D, which means first emperor. Through his reign, he made China a greater power economically, politically and socially. Before his rule, China was not politically stable, so to avoid political chaos, conquered states could not be referred to as independent nations. Shih Huang Di then divided his empire into thirty six commanderies. These administrative units served well for China, for they made China more organized. And what made this system so unique was that it was different from what previous dynasties had done. Previous dynasties had used loose alliances and federations, which did not do the country well. Moreover, government appointments were no longer based on nepotism but rather on merit. This eliminated any corrupt activity within the government that would Jeopardize the country in any way. The first emperor of China was also responsible for unifying China economically. He standardized units of measurements for weight and measures. Moreover, he standardized the currency. And more importantly, he helped establish an extensive network of roads and canals that facilitated trade and contributed to the economic ell-being of the country. But most of all, under his rule, the Chinese script was unified. This made the communication system of China completely unified. These accomplishments were important in establishing China as a better country. China would not be the same if it were not for Qin Shih Huang. The influence he had over Chinese culture can not be doubted. Outline l. Intro a. China wasnt always as great as it was today b. Ancient times: not unified c. First emperor II. Political influence a. Standardized currency b. Network of roads c. Effect IV. Social influence a. Communication system V. Conclusion

How to Study for the ACT 10-Step Plan

How to Study for the ACT 10-Step Plan SAT / ACT Prep Online Guides and Tips The ACT is quite possibly one of the most important tests you'll take in high school; it's vitalto go in prepared.With somany sources offering thesolution to your test preparation needs, how are you supposed to know which path to take? What follows is a summary of the best advice I haveto offer on how to studyfor the ACT, based on my extensive experience as a tutor.I'll cover when to start studying, where to find practice materials, and how to approach the process itself. This guide will give you a complete plan for studying for the ACT. 3 Guiding Principles of ACT Study We'll get to the specific recommendations in a minute, but first I want to establish the underlying tenets that should guide your ACT preparation. #1: Personalize and Individualize No two people are exactly alike- nor should their study plans be. Make sure your study plan suits your individual needs. We at PrepScholar know a lot about test prep, but you know the most aboutyou. Think about how you can use the flexibility in our suggested plan to serve you better. If you'd rather study two hours straight, fine. If you'd rather study for four half-hour increments, that's fine, too. Do what's going to work best for you! #2: Start Early Give yourself plenty of time for the test preparation process. Three months should be sufficient for most students' needs, but those looking for an extreme score increase might need to stretch this timeline out to six months. Of course, that means you should know which boat you're in at least six months ahead of the test, so you'll want to start paying some attention to the process that early. #3: Doing Something Beats Doing Nothing What if you don't have six months, or even three months, to think about test preparation? What if you only have 15 minutes a day that you can spend studying? What if you don't have four hours free to take a practice exam? Use what you have- even if it's just 15 minutes a day for a month and a half, it'll be much better than nothing. If you have to break your practice exam(s) into multiplesittings, so be it. Not being in a position to do something right shouldn't be an excuse for not doing it at all.A little preparation is better than none. Even very little outweighs nothing at all. The ACT Prep Process: 10-Step Plan Now that we've covered the basics, let's get into the detailsof how to study for the ACT. Step 1: Read Up on the ACT If you have any lingering doubts about the ACT'sformat, its scoring, or the implications of various scores on your college hopes, this is the time to sort those questions out. Being fully comfortable with the test will help you relax a little, not to mention study more effectively. Step 2: Take a Practice Test Give this first test your best effort so as to get a more realistic score. On that note, make sure you're using an official ACT practice test. These will give you the most accurate sense of the ACT as well as the most accurate results. Plus, they're available for free! While you're taking this practice exam, make sure to read the instructions carefully;getting used to these directions will be a vital part of your test preparation. They don't change from edition to edition of the test, and you don't want to waste time on test day reading the same directions you could have grown familiar with months ago. Besides, fully understanding the task will save you a lot of grief. Oftentimes, we tend to answer the wrong question because we don't fully realize what's being asked of us. Step 3: Score Your Practice Test Review each and every question you got wrong. See why you missed the questions you did. Which ones were careless errors, and which ones were genuine weak spots in terms of content? Pay attention to all these problems since they give you good information on your tendencies, including where you tend to get careless and where you need to understand the directions better. Many practice tests come complete with answer explanations,and these are a great tool to use when you're looking at the problems you missed. Otherwise, try plugging the correct answer in and working through the problem with the goal in mind; this might help clarify things. Don't forget you can also ask for help if you're still struggling to make sense of something. Once you've got a good handle on which questions you missed (and why you missed them), try to identify the patterns of your strengths and weaknesses. Treat this as a diagnosis for where to spend the majority of your time for the next fewmonths. Step 4: Set a Reasonable Goal You know how the ACT works and you know where you stand. How much do you think you could stand to improve? What's a bit of a stretch, but still realistic? If you're scoring in the low 20s, it's too much to expect to land in the 30s. If you're scoring in the mid- to high 20s, though, a goal in the 30s might be reasonable depending on how committed you are to the process and how many resources you're willing and able to use. To set a specific ACT goal score, you'll need to look at the average ACT scores of admitted applicants to the schools you're applying to.Your goal score must be higher than these averages to give you the best chance of admission. For more tips on how to set an ACT goal score, check out our step-by-step guide. Winning at darts while blindfolded isnot a reasonablegoal. Step 5: Decide What Tools You'll Use Whatever course you take for studying, you'll need some good resources. Official resources are always the place to start.If you need to supplement ACT, Inc.'s materials, though, make sure you're looking at the credentials behind anyproduct and the average results of the people who have used itbefore you. You might choose to work solo, using books,websites, and apps on your own. This is something you should be doing to some extent no matter what. Again, you're the expert on you,so it makes sense to work out some kinks on your own. It's one of the most efficient and cheapest ways to study. Many times, however, it's not quite enough. You might choose to take advantage of an online prep program. This is kind of a happy medium; you're still working on your own, but you're getting external guidance and expertise. The guidance is all based on your work and progress and uses very accurate algorithms. That being said, it lacks that personal touch of in-person contact. You might choose to join a group course. There, you can bounce ideas around with peers and a facilitator. You've got the in-person feel, you've got great accountability, and you can ask questions specific to your needs, but the true personalization will be somewhat limited by the format. You can also choose individual tutoring. The great thing about this option is that you can get the most specialized, individualized, expert instruction available.You also get that in-person need met, though the cost is frequently prohibitive and your time with your tutor will almost certainly be limited by logistical constraints. Generally speaking, you're going to get your best results when you mix and match.It would be ideal if you could work on your own while also taking a course or completing an online program and getting tutoring. Of course, you'll need to consider all the practical restraints such as budget.Figure out what's going to get you the results you need without causing undue hardship in the present time. Step 6: Practice Follow some sort of routine for your ACT practice. Generally, you should be studying between 30 minutes and three hours each time you study- closer to 30 minutes if you're studying pretty much every day, and closer to three hours if you're only studying a couple times a week. Try to usea combination of books, websites/videos, and in-person guidance. No matter what resources you're using, it's a good idea to switch things up once in a while so you cover all your bases and give your brain a degree of variety. Our brains thrive on change, so take advantage of this fact. Step 7: Take Another Practice Test This is where things start to sound a little repetitive. You'll want to take another practice test to measure your progress. This also serves as a chance to to continue getting more comfortable with the format and layout of the ACT. You're actually going to do this a fewmore times, too,if you have room in your schedule. There's nothing like a mock exam for practicing both content and format. Aim to take a practice ACT every three weeks. You can take them less often if testing so frequently doesn't make sense in your situation, or you can opt for more often if you're feeling shaky on the tasks. Regardless,aim for at least three practice tests before the real thing. It's best to take each practice test in a single sitting under actual exam conditions so you can acclimate to the environment. This means taking the test in a quiet room and using the same time constraints you'll have on the ACT. Afterwards, analyze your results with the same care you did the first time around and plan any necessary adjustments to your routine. Time for ACT practice tests should come around periodically. Step 8: Practice Some More Continue on with your ACT study routine, making any adjustments according to the results of your most recent practice exam. Keep using the resources that helped you the most during the last round of practice, and also keep incorporating variety into your drills. Whether you're working with a tutor or not, it's a great idea to find someone who's willing to help you by being a test preparation "buddy." This could be anyone from a parent to a friend to a school librarian, just as long as they hold you accountable to your process and encourage you along the way. Step 9: Repeat Steps 7 and 8 As I mentioned before, things become cyclical at this point. You're going to study and test, study and test, right up until exam time. Keep assessing your progress,and keep asking others who are following your effortsto weigh in. Always be open to adjusting your process according to what's working and what's not. The week before the test, start to slow things down. Don't take a practice exam in that final week, and don't study quite as much; you know what you know, and it's no use driving yourself into a frenzy trying to cram anyremaining factoids into your brain. A day or two before the test, stop studying altogether, and use that time to rest and recuperate. Step 10: Maintain Self-Care Throughout the process of studying, make sure you're taking good care of yourself, physically, mentally, and emotionally. Give yourself regular encouragement. Get ample rest and do some recreational activities. Reward your hard work with small treats, whether that's an ice cream cone or a walk in the park. While you should always pay attention to your sleep,it becomes especially crucial three days to a week before the test. Our bodies don't operatesolely onthe sleep of the night before but a night or two before that. Gather all your materials the night before the ACT, and don't forget to have a good breakfast and plan in plenty of extra time for getting to the test center. Also, remind yourself that while the ACT is an important test, it doesn't define you or your future success.Keep the test in perspective. Reminders for Your ACT Studying Reading is hugely important. Even when you're not officially studying for the test, reading many different styles and genres (and actively engaging with the texts) can help prepare you for the ACT, specifically the Reading and English sections. Set minor goals to help you achieve your overarching goal. It's great to see goals getting checked off the list, and having a set of actionable, achievable items to work toward will provide invaluable guidance when you're not sure where to go next. I've said this before, but vary the sources you use and the ways you study.Our brains tend to shut down after too much repetition, so throw yourself a few curve ballswhenever possible. Remember that study buddy I said to find? Seek them out for encouragement and use them to help you stay on track when things get difficult. They can talk you through any challenges that arise in your prep. People who will give you good counsel are invaluable. Conclusion: How to Study for the ACT Studying for the ACT can seem like an overwhelming task. However,by establishing a routine of studying and taking full-length practice tests, it can be broken down into manageable steps. Your ACT study plan should be personalized,but it should also include some basic elements like frequent practice tests and varied sources to use in solo study. Similarly, it's a good idea to pursue an ACT prep course (in-person or online) and/or individual tutoring. In all of this, though, don't forget to take care of yourself- the ACT should be serving you, not the other way around.Get good rest, and make time for the fun things in life. Remember that the ACT does not determine your fate all alone. What's Next? If you want to get started on reading up about the ACT,we've got an article that covers what exactly a good score looks like, along with tips on how to get there. Need help coming up with an ACT study plan?Check out our four sample plans, and get tips on how to study for the ACT if you've only got a month before test day. Aiming for a perfect ACT score?Then read our expert tips on how to get one, from a verified 36 scorer. Want to improve your ACT score by 4 points? Check out our best-in-class online ACT prep classes. We guarantee your money back if you don't improve your ACT score by 4 points or more. Our classes are entirely online, and they're taught by ACT experts. If you liked this article, you'll love our classes. Along with expert-led classes, you'll get personalized homework with thousands of practice problems organized by individual skills so you learn most effectively. We'll also give you a step-by-step, custom program to follow so you'll never be confused about what to study next. Try it risk-free today:

Financial Market Assessment Bahrain Essay Example | Topics and Well Written Essays - 2000 words

Financial Market Assessment Bahrain - Essay Example The Index of Economic Freedom measures countries against a list of 50 independent variables divided into 10 broad factors of economic freedom. Low scores are more desirable. The higher the score, the greater the level of government interference in the economy and the less economic freedom a country enjoys. These 50 variables are grouped into ten categories: Trade policy, Fiscal burden of government, Government intervention in the economy, Monetary policy, Capital flows and foreign investment, Banking and finance, Wages and prices, Property rights, Regulation, and Informal market activity. As shown in Table 1, Bahrain ranked 20th of 155 countries (North Korea is 155th). Using the table, we can make a quick comparison of Bahrain and Hong Kong (HKG), the country with the highest economic freedom, and the United Arab Emirates (UAE), Bahrain's closest competitor for the title of the Middle East's financial capital. As Table 1 shows, Bahrain had the same scores as HKG in five out of ten categories, but in one of these (Fiscal burden), it scored higher (meaning, it performed worse) than the UAE, which is developing Dubai to compete with Bahrain. Since our paper is a study of Bahrain's competitive weaknesses in financial markets, we have a tool we can use to know what it should fix if it wants to win the competition with Dubai. The comparison with the United States gives us a better idea of how Bahrain fares in economic freedom. The U.S. is ahead only by a margin of two: better in three categories: Trade policy, Government intervention, and Informal market; worse in one: Fiscal burden; and tied in the rest. We now look briefly at where Bahrain did well. Then, by focusing on those where it scored badly, we can come out with the basic tools to analyze the degree of openness of Bahrain's financial sector. Bahrain's Good Points1 Bahrain scored well in four areas: monetary policy, banking and finance, wages and prices, and property rights. The main reasons for these are: Monetary Policy. Measured on the basis of the weighted average annual inflation rate of 0.04 percent, Bahrain is stable. Banking and Finance. Bahrain's banking and finance sector has very few restrictions. It is relatively easy to establish a bank; there are few, if any, restrictions or requirements on new banks; and foreign banks are welcome. At the end of 2003, there were 25 commercial banks, mostly foreign, and foreigners and Bahrainis alike have ready access to credit on market terms. The banking system is sound and undergoes examination and supervision by the Bahrain Monetary Agency (BMA), which has a solid international reputation. Efforts are being made to increase the liquidity of the Bahrain Stock Exchange (BSE), which opened in 1989. The government allows Gulf Co-operation Council (GCC) nationals to own 100% stakes in firms listed on the BSE and increased the proportion that could be owned by other foreigners to 49%. The Minister of Commerce has announced that ownership for non-GCC nationals will be increased to 100% by end-2005. Wages and Prices. Bahrain, despite issuing a minimum wage law, improved its wages and prices regimes in the past year, reducing its influence over setting of domestic prices. It liberalized its telecommunications sector, where it had monopoly power, and reduced state power over

Risk Management Essay Example | Topics and Well Written Essays - 4000 words

Risk Management - Essay Example Previously, the safety culture at BP had presented a cause for concern with the Texas City Refinery explosion and other events presenting an adverse image. Toney Hayward, the former CEO of BP, had tried to enhance safety at BP when he took office at a time when BP faced three criminal investigations. However, it would appear that the managerial decision-making processes at BP remained flawed as managers continued to take risks in efforts directed towards trying to manage costs and delays while neglecting safety. Although it is likely that a blowout preventer with a flawed design contributed to the BP Deepwater Horizon disaster, the managerial emphasis on costs and delays caused BP subcontractors to become negligent. BP managers refused Halliburton recommendations to use twenty-one centralisers and proceeded to cement the well using only six centralisers. Halliburton used cement that did not pass its own laboratory tests to cement the well and this contributed to the flow of hydrocarb ons into the well. Transocean crew did not take adequate notice of the kick in the well that pointed to a loss of well control and proceeded to release gases from the well on to the rig through the mud gas separator instead of diverting the gas away from the rig. In addition, inadequate maintenance of the blowout preventer was to contribute to events. Because bonuses presented to BP project managers depended on completing projects close to budgeted costs and schedule, the wrong emphasis had persisted. It is likely that independent verification of managerial decision-making emphasising safety from a command that is distinct from the project management command at BP under a Chief Safety Officer reporting directly to the CEO at BP will help present the correct emphasis. BP did have a safety director at the time of the BP Deepwater Horizon disaster, but it will appear that this safety director lacked powers, a separate chain of command and a capacity for working effectively to give effe ct to his mandate. The new CEO at BP has promised to create a safety division at BP with sweeping powers. BP project managers should now receive bonuses that emphasise correctness of their managerial decision-making for a project instead of receiving rewards for trying to complete a job within budget and schedule while taking risks with safety. In addition, it will make sense for BP to try to contribute towards helping to improve the design and reliability of superior technology for offshore operations, including subsea blowout preventers. Contents Introduction 1 What Went Wrong? An Analysis of BP’s Approach to Risk Management that Influenced the BP Deepwater Horizon Disaster 3 A Reasoned Discussion about How BP Should Progress in the Future with Regard to Risk Management 15 Conclusion 19 Bibliography / References 22 List of Figures Figure 1: Typical Subsea Blowout Preventer Stack 7 Figure 2: Deepwater Drilling with Subsea Blowout Preventer 8 (This page intentionally left bla nk) Introduction The word â€Å"risk† refers to the possibility of loss, injury or harm, and it is unfortunately true that it is not possible to assign absolute certainty to the occurrence of any one event because there will always be some level of uncertainty associated with the outcome of events (Bonham, 2008, Pp. 183 –

Faith and Health Thesis Example | Topics and Well Written Essays - 25000 words

Faith and Health - Thesis Example with the health of the individuals during the contemporary era, where the diagnosis and spread of fatal diseases in almost all regions of the globe have created grave challenges for the political, social and cultural authorities on the one side, and for the people associated with the fields and professions of religious services on the other. Since the mental and physical well-being is one of the most dominant aspects of individual and collective life of the people, which is imperatively essential for performing their personal and professional duties and obligations in an effective manner, health and fitness of the clergy is particularly necessary for the religious guidance and spiritual uplift of the entire society. The following hypothesis has been developed for the present study: Superior healthcare measures being adopted and exercised within a social establishment for the mental and physical well-being of the clergy turns out to be highly supportive ones in respect of their rendering religious services to society in a better and more effective manner The present research has been supported with the Social Organism Theory by Spencer (1857) and Theory of Religion by Durkheim (1912); both of these perspectives maintain direct association with the topic selected for this study. The study will be conducted in North-East Mississippi Region, where the pastors, church ministers and other members of church administration will be the universe for the present research. The data for this study will be gathered on the basis of probability sampling. Questionnaire and Content Analysis will be applied as the tools for data collection in the present study. At the end, the research findings will be arrayed, and interpretation will be made in the light of the findings. The research findings will be presented with the help of tables and graphs in a precise and organized manner for the comfort and convenience of the readers. Religion is rightly claimed to be an essential part of

Learning Strategies In A Task Based Learning Education Essay

Learning Strategies In A Task Based Learning Education Essay Task-Based Language Teaching (TBLT) as one of the ways of implementing a Communicative Language Teaching (CLT) approach is a favorite method employed by English teachers in Asia; (Nunan, 2003) claimed that most Asian countries surveyed (Mainland China, Japan, Hong Kong, Korea, Malaysia, Taiwan, and Vietnam) subscribe to the principles of CLT, and in a number of them, TBLT (the latest realization of CLT) is the central pillar of government rhetoric. Task is basically defined as a goal-oriented classroom activity (Ellis, 2003; Nunan, 2006; Oxford, 2006; Prabhu, 1987; Willis, 1998). It requires learners use of target language that is focused more on the conveying of meaning rather than on the practice of form (Ellis, 2003; Nunan, 2006; Skehan, 1998). Oxford (2006) completes the definition of tasks as behavioral classroom instructions that are externally imposed either on a person or a group. There are two basic reasons to select TBL as an English teaching and learning approach. The first reason is the desire for a meaning-focused approach that reflects real life language use (Leaver Willis, 2004). Language use needs to be transferred from real world activities into classroom activities, and this can be done through TBL. Another reason for selecting TBL is that task based interactions stimulate natural acquisition processes (Prabhu, 1987). A number of studies reveal the effectiveness of TBL in enhancing students language proficiency, especially their oral communication skills (eg., Ahmed, 1996; Lochana Deb, 2006). It is official policy that the teaching and learning process of English as a foreign language at the Business Administration Department of the State Polytechnic of Malang is through a Task-Based Learning (TBL) approach. TBL has been adopted by the Business Administration department of the State Polytechnic of Malang because, as the latest realization of the Communicative Language Teaching (CLT) approach, TBL is an implementation of the overarching Competency-Based curriculum the department employs. The selection of English teaching topics in this department is initiated with a needs analysis; the department regularly visits companies to survey employers expectation of their future employees skills. Most companies, especially the foreign companies, expect that their future employees possess adequate English oral communication skills as the first priority. Thus, the first goal of the teaching of English as a foreign language at this department is toward students adequate oral communica tion proficiency. In this study, I define a task as a classroom activity that is focused on meaning rather than on form and that requires the learners to achieve observable outcomes by employing English as the target language for oral communication skills as used in real life. Appendix 1 is an example of TBL activity to develop the required skills. The combination of needs analysis and appropriate TBL activities would seem to be the most effective way to develop the required skills. The implementation of Task-Based Learning has unfortunately had limited success to date. Most students graduating from the Business Administration department do not possess adequate oral communication skills. This problem is common among Indonesian tertiary education institutions, especially in the non-English departments. With my informal observation of teaching in this non-English department, this lack of success is in some part due to teachers limited familiarity with suitable and appropriate implementation of Task-Based Learning. Measures need to be taken to improve the quality of the implementation of the TBL and this can be done through appropriately manipulating task characteristics and conditions. However, manipulating task characteristics and conditions alone does not guarantee the meeting of a pedagogic outcome; attention also needs to be directed to the learners as the participants of the tasks. Learners attention and their own learning needs contribute to their efforts to gain task outcomes (Murphy, 2003). The more effort students make to reach the outcome, the better the result of the learning will be. Their strategies to accomplish the tasks largely determine their success in attaining the pedagogic goal. Learning strategies are personal efforts employed by learners to complete tasks , and students of different learning styles and different cultural background may employ different strategies to learn to communicate in a foreign language (Lam, 2007). Furthermore, appropriate employment of learning strategies plays an imperative role in promoting students self-confidence regarding the development of their communicative competence (Oxford, 1990). Successful learners are believed to effectively employ appropriate learning strategies. Regarding the teachability feature of learning strategies, a number of researchers (Griffiths Parr, 2001; Oxford, 1990, 1996) argue that learning strategies are relatively easy to teach and modify. Students can be trained to be aware of and more conscious of learning strategy use and more proficient at employing appropriate strategies. Task requirements and teachers expectations that are expressed through classroom instructional methods also shape students learning strategy choice. With the assumption that a task-based learning approach will help students in developing their communication skills and that the implementation of this approach will result in students use of effective learning strategies which in turn will elevate students success in developing their communication skills, I am interested in conducting a collaborative action research case study to produce an effective task-based learning program which aims to develop students verbal communication skills and to explore the impact of task-based learning on students employment of learning strategies. Purpose of the Study The prime concern of this study is to analyse non-English department students learning strategies in a task-based learning approach which focuses on their oral communication skills. Research Questions The aforementioned purpose of the study leads to the formulation of research questions as follow: What learning strategies do students with a range of oral proficiency levels employ during the implementation of a task-based learning approach? Do these learning strategies change during a TBL program? What are the students and teachers perception of the impact of TBL on the employment of learning strategies? Delimitation of the Study As reflected by the needs analysis conducted with prospective employers, the first required skills to be possessed by graduates of the Business Administration department of the State Polytechnic of Malang are their oral communication skills. Academically, the TBL program is designed to develop students oral communication skills. In accordance with this focus, my intention to explore students use of learning strategies is focused on the students employment of oral communication learning strategies. Methodology This research will be informed by a qualitative research paradigm and involve an action research case study. It is an action research approach in which I will work collaboratively with one of the English teachers to improve the quality of the EFL teaching and learning process in this vocational higher education institution in Indonesia which is using a TBL program. During the implementation of the TBL, I will explore students employment of learning strategies as a bounded system (a case) or multiple bounded systems (cases) over time, through detailed, in-depth data collection involving multiple sources of information (Creswell, 2007). Regarding the multiple sources of information, I will use some different instruments of data collection namely questionnaire, one on one interviews, focus group discussions, and document reviews (students scores of their oral communication skills which is always officially conducted by the teacher every semester, students learning journals, and teachers reflective journals). The research participants will be nine second year students of the Business Administration department of the State Polytechnic of Malang. These students are within a range of oral communication skills levels: three students are of the high rank, three are average, and the last three are of low rank. The determination of the students levels is based on their test scores (final semester scores). Because the first goal of teaching English in this department is developing oral communication skills, then, their final test scores are to measure their oral communication skills. Based on their scores, students who belong to the high rank, middle rank and low rank will be invited to be recruited as the participants of the study. Because this study, in one part, will be a collaborative action research, the class teacher will also be a participant in the study. The Methods of the study will include: Questionnaire (Oral Communication Strategy Inventory/OCSI), adopted from Nakatani (2006). For detail description of the strategies inventory please refer to appendix 2. Students learning journals (One entry per week) Teachers reflective journal (One entry per two weeks) Focus group discussion (see appendix 3 for the interview guide) One on one interviews (one to expand on students responses on the OCSI questionnaire, one for an interview with the teacher, and one interview for the Stimulated Recall) Direct observations of both students classroom activities and of videotaped students classroom activities. For these observations, checklist and field notes will be used. The observation checklist is presented in Appendix 4. The data collection process will be conducted following three stages: Stage One: Preliminary data collection Indication of students existing language levels (the oral communication proficiency levels). This procedure will be conducted following the official testing method as usually implemented by the institution. The oral production test rating scale including its description is attached. The result of this test will determine the participants whom I will invite to participate in my study. The first three students of the high, three of the average, and the last three of the low rank groups to volunteer will be recruited as the participants of my study. Completion of OCSI questionnaire (Oral Communication Strategy Inventory) which is adapted from Nakatani (2006). This inventory will be translated into Bahasa Indonesia in order to gain true response from the participants without foreign language difficulties that may intervene. This procedure will function to determine the existing language learning strategies that students employ. One -on- One interview This one -on- one interview will assist me to expand on the questionnaire data to gain deeper information from the participants regarding their use of learning strategies. The interview will also be conducted in Bahasa Indonesia Stage Two: During Data Collection Students learning journal (one entry per week, in Bahasa Indonesia) In this learning journal participants are expected to respond to the following questions: What strategy did you use in accomplishing the task? Why did you employ this strategy? Name the strategy and explain how (the context) in which you used the strategy. Classroom activities videotaping There will be classroom activities videotaping once per week with duration of 90 minutes per lesson. This will be conducted for 6 weeks. Stage Three: Final Data Collection Direct observation of classroom activities Redo of questionnaire completion (Oral Communication Strategies Inventory/OCSI) Videotaped pair work activities for use in the stimulated recall interview Final interview on the use of learning strategies as the extension of the OCSI questionnaire completion and Stimulated Recall (pair interview) Official administration of final test on oral communication using the same test administered in the initial process of data collection. Additional data will be collected through the collaborative relationship with the class teacher. Data collection will be in the following stages: Stage One: an interview in which the teacher is asked to explain his understanding of TBL and student learning strategies. Stage Two: a reflective journal Stage Three: a final interview in which the teacher is asked to revisit his understanding of TBL and learning strategies and to reflect on his perception of the impact of the above on the students language skills Details of data collection activities are as put in the data collection calendar in appendix 5. Data analysis approach The data analysis of this study will begin during the data collection process. To analyse qualitative data, it is preferred to do it simultaneously with data collection (eg. Merriam, 2009). The analysis will be focused on students employment of learning strategies during the accomplishment of TBL. This learning strategy exploration is the main tool to analyse the data. The analysis will be based on the Oral Communication Strategies Inventory (OCSI) developed by Nakatani (2006) which sees learning strategies as conscious cognitive behaviours with two main categories namely strategies for coping with speaking problems and strategies for coping with listening problems. The speaking strategies are composed of 8 factors while the listening strategies consist of 7 factors. I will also analyse students employment of learning strategies based on their oral communication levels: students of high rank, of middle rank, and of low rank. Appendix 6 shows the diagram of main framework of the data analysis. Since this study involves more than one subject, the data analysis will be within-case analysis followed with across-case analysis. To answer the second research question, I will analyse the data chronologically from the beginning of the semester until the end of the semester. There will be three periods of chronological analysis with one period covering five-week implementation of TBL. This is to analyse the change of learning strategy use. Data on students and the teachers perceptions of the impact of TBL on the development of learning strategies will answer the third research question. This may be an exploration of differences between students and the teachers perceptions. There may also be an analysis of differences in the teachers perceptions before the implementation of TBL and after the implementation of TBL. In general, the data analysis will follow these steps: Identifying units. This unit is a potential answer or part of an answer to the research questions. To answer the first research question, I will analyse students strategies for coping with speaking problems and strategies for coping with listening problems. Secondly, there will be units of analysis of individual students, a group of students with the same level of oral communication skills, and students of across levels of oral communication skills. Third, I will conduct a chronological analysis of the students learning strategies development/changes of every-five-week period of TBL implementation. Categorizing the units. This will be conducted through classifying units based on the recurring regularities of the data. Included in this stage is sorting or reducing redundant data and making a concrete description of observable data. The identified data of students use of learning strategies in the implementation of TBL will be described in detail. Interpreting the data. At this stage the categorized data will be interpreted and referred back to the theory. It is a process of making inferences or generating theory. I will refer back to the learning strategies theories (for example, Cohen Macaro, 2007; McDonough, 1995; OMalley Chamot, 1990; Oxford, 1990) including communication strategies theories (for example, Bialystok, 1990).

Social Justice In Education :: essays papers

Social Justice In Education â€Å"Social Justice in Education† by R. W. Connell discusses the role of education in society and the implications that social justice issues have on education. Connell begins by establishing that education and social justice can be examined separately yet they are inescapably linked through the social medium of their implementation. â€Å"Education concerns schools, colleges and universities, whose business is to pass knowledge on to the next generation. Social justice is about income, employment, pensions or physical assets like housing.†(Connell, 1993) Three points validating the equal importance of social justice and the education system to people of all delineations are: 1.) in Western society public schools are key forums of social interaction and comprise some of the largest social institutions 2.) educational institutions are highly economic bodies and have become â€Å"major public assets† (Connell, 1993) 3.) teaching becomes a vehicle by which so ciety is ultimately determined and has a great influence over society’s morality. Connell describes the meaning of justice in education as being â€Å"a question of fairness in distribution†¦ equality.†(Connell, 1993) â€Å"Justice cannot be achieved by distributing the same†¦ standard good to†¦ all social classes.†(Connell, 1993) By stating this, Connell summarizes that in the attempt to achieve equality, unequal means must be employed. The implications for teaching presented by Connell’s article are immense. The concept of equality in education and the equality of access to education are matters that are determined by the social constructs of the society in which we live. The notion of equality in education means that educators must approach all material and subject matter with a premise of unbiased predetermination. Music, math, science, fine arts, English, Japanese, history, etc†¦ must all be considered on a par. Our current educational system does not treat all subjects as equal in our public education system. The stereotypical reading, writing and arithmetic (primary subjects) take precedence over the fine arts and like subjects (secondary subjects). Social justice criteria as presented in this article, establish that economic variables are a means of determination for favouritism within the educational institution. Where the primary subjects receive ensured funding, the secondary subjects rec eive funding when deemed viable. This creates inequality at the very base of the institution itself. The result is degradation to all facets of the educational system. â€Å"The moral quality of education is inevitably affected by the moral character of educational institutions.

Sainsburys SWOT

The aim of this report is to analysis the financial performance of J Sainsbury plc by compare several ratios, in the view of an investor who seeking long term investment. Four sections will be illustrated, the background of Sainsbury, 10 ratio analysis, a suggestion of whether the company is worth to invest and a limitation of current financial statements and ratio analysis. J Sainsbury plc is the third largest chain company of supermarkets in the UK, which is generally known as Sainsbury’s. It takes over around 16. % in the UK supermarket sector and also has interests in property and banking (Bloomberg, 2011). Sainsbury’s was established by John James Sainsbury and his wife in London in 1869, and got a fast development during the Victorian era. SWOT analysis As one of the leading retailers in the UK, Sainsbury’s has a market share of around 16. 1% and serves over 19 million customers per week (J Sainsbury plc annual report, 2011). It has strengths in offering various services such as internet-based home delivery shopping services, which reach out to nearly 90% UK household. Strong presence in the UK imparts distinct competitive advantage and favorable market dynamics for Sainsbury’s, which facilitates revenue and business expansion growth prospects ‘(Datamonitor, 2010). It also has a significant advantage of providing portfolio renders that enables the company to have an increased sale. Besides, the company has a strong completive performance with offering discounts, compared to other retailer chains such as ASDA. However, Sainsbury’s has several weaknesses as well. One of them would be the limitation of market share. The company has generated all of its sales from UK, while the competitors, such as Tesco and Wal-Mart, have more equitable revenue generation from international operations, including areas of central Europe, Asia, and the US. They also have increased revenue in other industries like Tesco Bank, however, Sainsbury only has involved in retail industry (Datamonitor, 2010). Other weaknesses would be raising inflation and credit crisis resulted from the global economic showdown in recent years. As for some opportunities in the future, besides strategic shift in focus on expansion in emerging countries, the growth potential in the online distribution channel gets a jump. The potential market of the organic food in the UK has gotten an increase in recent years. ‘The UK organic food market grew by 3. 5% in 2010 to reach a value of $2,968. 3 million. By 2015, the market is forecast to have a value of $4,180. 8 million, an increase of 40. 8% since 2010’. The survey from Datamonitor said. As for Sainsbury’s, it is one of the largest companies of organic food market in the UK. The company markets more than 800 organic food product lines, with major growth about grocery, frozen foods and fresh meat. Threats always follow with opportunities. Sainsbury’s has to face competition from other major retailers like M&S and Tesco which have substantial operating base with Sainsbury’s (Datamonitor, 2010). The company might have to increase its cost for advertising or reduce prices because of such a competitive situation. However, it will cause declined profits and cannot get a great development for Sainsbury’s. The opportunities of Sainsbury’s growth might be limited by declined profits and sales growth Relevant ratios analysis The current ratio of Sainsbury’s has decreased from 66% in 2010 to 58% in 2011, resulted mainly from enhancive current liabilities. It is evident to find that the number of trade and other payables increased from 2,466 million pounds to 2,597 million pounds from the data of financial position. It might be because of global financial crisis of 2010 and purchasing 24 stores from the Co-operative (BBC, 2010). In short, it seems to decline the ability of debt paying. As for the Quick ratio, which assumes that inventory is not available as a part of the asset base to meeting the demands of immediate liabilities, there was a decrease from 41% to 31% between 2010 and 2011. It is fairer to consider investments for measuring the ability of meeting liabilities when combining the current ratio and the acid-test ratio. According to these figures, the funding liquidity of J Sainsbury plc is an indicator of plain performance in liquidity, because the data of current ratio is lower than 1 and that for quick ratio is lower than 0. 5. For instance, New Bristol Sainsbury's store is unstable in local business, and the study said the negative impact of the store, on Bristol City Football Club's ground, would outweigh any benefits (BBC, 2011). The gearing ratio displays the level of risks when investments happen. From the financial report of Sainsbury’s, it has an inconspicuous fall from 47% in 2010 to 43% in 2011 because the total shareholders’ equity got an increase from 4,966 million pounds to 5,424 million pounds. It looks that investors have to get lower profit margin, but it provided lower risks of investments and investors because higher gearing means a larger proportion of profits are used to pay interest on loans, instead of being reinvested or paid to shareholders. Therefore, it might be a good situation for most investors. In addition, Sainsbury's will create 20,000 new jobs over three years and the new jobs, which come after the creation of 13,000 jobs created in the last two years, will be at supermarkets and convenience stores across the UK(BBC, 2011). Most investors become more confident for Sainsbury’s. The operation capacity of Sainsbury’s can be reflected by the operating profit margin, which was 3. 56% in 2010 and 4. 03% in 2011. It is obvious to find that the ability of profit taking in Sainsbury’s went up between 2010 and 2011. The reason for this might be higher sales from 19,964 million pounds to 21,102 million pounds and higher profits. It is easy to find that from the news,’ In May 2010 Justin King announced that Sainsbury's pledged to involve each of its 850 stores in the promotion of the Paralympics after the multimillion-pound deal with the London Organizing Committee of the Olympic Games and Paralympic Games to be the main sponsor of the London 2012 Paralympic games’ (SkyNews, 2010) In terms of the return on capital employed ratio, it was 6. 4% in 2010 and 7. 47% in 2011. It is a result of increased total assets and some increasing in non-current assets such as property, plant and equipment between 2010 and 2011. According to the ROCE, the ability of value creation in J Sainsbury plc is very strong and fine management could be expressed. The asset turnover ratio plays a significant role in the target system of financial analysis. In the financial results of Sainsbury’s, it has a slight increase from 184% in 2010 to 185% in 2011. It means that the operating efficiency of total assets and marketing capacity in Sainsbury’s has become better, and then the company generated more profits. For example, Sainsbury's plans to open Whitchurch store and not only offer more jobs, but also get more profits (BBC, 2010). Conclusion In conclusion, J Sainsbury plc gets a great development in industries of supermarkets in UK, and it has an increase in its sales and higher profits. On the other hand, Sainsbury’s has utilized assets effectively and efficiently and had a strong management. However, compared to other competitors such as Tesco and Asda, it is lack of enough evident advantages such as profits of fast growth and strong capital turnover. The stable profit and lower risks can be provided if there are not better options. Limitation This report of J Sainsbury plc is limited by some factors such as quality of financial statements and inflation. Firstly, although all ratios from this report are based on financial statements of J Sainsbury plc annual report, some data which is excluded from usual financial statements such as human assets and internally-generated goodwill and brands is absent. Secondly, J Sainsbury plc annual report is between 2010 and 2011 so that the record from ratios only is a ‘snapshot’ of the business from 2010 to 2011. Thirdly, inflation is one of the most significant factors which affect the veracity and authenticity of this report. In recent years, the rate of inflation has kept up because of energy sources so that there is a time lag and it might cause the data of same parts in different years to display different trends.