...included in the case, summarize how the closed-ended and open-ended questions provided valuable customer insight for FIR. The closed ended responses, when matched with customer demographics, confirmed that FIR customers were generally typical of internet banking customers. Most had high speed internet connections, were men, and were in medium to high socioeconomic categories and many were in technical occupations. In general the open ended questions support three main points, The potential users still have a need for traditional banking services. One of them being mail deposits, another is access to a local ATM. Security is a concern even among sophisticated users. (Respondents 3 and 137) The big concern is the lack of security with the customers receiving phishing-type emails from hackers which can lead to identity theft. There is also a concern to small businesses that they do not have a big enough protection policy when it comes to identity theft/hackers. The existing user base is happy with the convenience and the quality of service. Based on the surveys, the respondents believe FIR is simple and easy to use when viewing and paying bills. 2. What customer segments are targeted by FIR? On what issues should FIR focus in order to build relationships with its varied customer segments? The customer segments that are targeted by FIR are customers who are innovation-minded, busy and technologically advanced. This assessment is generally supported...
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...comes from them And the joy that only children can give This story is dedicated to all of the above. The author wishes to share this story With the youngest at heart And for children of all ages, everywhere The Title to this book was created by Eliana Peterson, granddaughter of the author These beautiful illustration were created by Grace and Eliana Peterson Grandaughters of the Author THE LAND OF NATURE A majestic fir tree has been in this area called “Green Meadows" for many, many years. Green Meadows is a beautiful meadow with a...
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...Running Head: 2.4 Assignment: Data Assignment 3 2.4 Assignment: Data Assignment ERAU MGMT 532 By James Rock 1) Even though the complete survey is not included in the case, summarize how the closed-ended and open-ended questions provided valuable customer insights for FIR. The customer insights that were valuable for FIR were found in the arbitrary specimen of one thousand client studies. The accommodation of not having individual contact with administration agents to examine issues should they emerge one of the top reactions. Web-based banking gave customers unlimited access to their accounts at any time, along with the convenience of paying bills online, thus alleviating the need to use the post office. One of the major inconveniences was no access to ATMs within the...
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... According to A History of Ireland: From the Earliest Times to 1922, there were several semi-divine races that ruled over Ireland throughout Ireland’s ancient history. The Fomorians, the Tuatha De Danann and the fir blog were all people of mythical origin that controlled Ireland at one point. The Fomorians although did not live in Ireland always held interest in Ireland, trying to gain tributes from the people who were in control over Ireland. To really understand how these people became known as the fairy-folk, one must understand the invasions of Ireland. There were 6 invasions of Ireland which included Cessair, Partholon, Nemed, The Fir Bolg, The Tuatha De Danann, and the Milesians (the Gaels) who are the descendants of modern day Ireland. Even though the Milesians defeated the Tuatha De Danann, the Tuatha De Danann never left Ireland. They moved to enchanted places to live in areas now known as the Sidhe mounds. Many years after the said “death” of members of the Tuatha De Danann that still show back up in history showing signs of immortality. When Saint Patrick went back to Ireland to convert the Irish pagans to the catholic faith, he had dealings with the Tuatha De Danann. Even the Milesians knew of the Tuatha De Danann. Who and what are the Sidhe? The Sidhe were the mounds that the fairy-folk were having said to live in. These fairy-mounds or Sidhe are still protected by modern day Irish government in fear of invoking war with the fairy-folk. ...
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...understand what it means. For questions requiring material from Statdisk, make sure to turn labels on, take a screen capture (CTRL-Print Screen on most Windows-based computers), and paste the image into the worksheet. Crop the image as appropriate. 1. Describe a normal distribution in no more than 100 words (5 point). Answer: A normal distribution is a continuous random variable distribution with a bell shape, and has only two parameters: the mean, and the variance. A normal distribution can be represented by the formula: y=e^(-1/2)(x-μ/σ)/(σ√2pi). The mean can be any positive number and variance can be any positive number, so there are an infinite number of normal distributions. The shape of the distribution when graphed is symmetrical and bell-shaped. Use this information to answer questions 2-4. Following a brushfire, a forester takes core samples from the ten surviving Bigcone Douglas-fir trees in a test plot within the burn area, and a dendrochronologist determines the age of the source trees to be as follows (in years): 15 38 48 67 81 83 94 102 135 167 2. Construct a normal quantile plot in Statdisk, show the regression line, and paste the image into your response. Based on the normal quantile plot, does the data above appear to come from a population of Bigcone Douglas-fir tree ages that has a normal distribution? Explain (5 point). [pic] [pic] Answer: The data does appear to come from a population of Bigcone Douglas-fir tree ages that...
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...trees come in a variety of different shapes, size, and color and yes smell. Before starting a Christmas tree farm, one must figure out what type of trees they want to have, or what variety they want. The most common types of trees that would be found in a person’s tree stand would be Douglas fir, Fraser Fir, Noble Fir, Scotch pine, Eastern White Pine, Virginia Pine, Grand Fir, and Eastern Red Cedar. Douglas fir have soft needles with a dark green in color. The needles can reach to an inch in half. The needles have a sweet fragrance when crushed, most common Christmas tress species. The Fraser Fir have branches that face up, with an excellent scent as well. They have a blue-green color. These trees are easy for shipping. Noble Fir are known for their beauty. They have strong branches to hang ornaments, and are used well for wreaths and garland. Scotch pine have needles that are an inch in length and have a bright green color. The needles will not fall off the tree when dry. It is also a common tree because of the freshness it keeps through the holidays. Eastern White Pine have soft green needles. It has a strong scent, and produces decorative pine cones. Virginia Pine is the most unusual as it can tolerate warmer winter temperatures. The tree is smaller than the other varieties, and is more common in the south. Grand Fir trees are more rounded. The needles have a dark green top layer, and a white under tuck. Mostly grown where summers are cool and winters...
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...Travesty of Justice in the The Seema Azad and the Vishwa Vijay case A critique of the Allahabad Court Judgement A critique of the Allahabad Court Judgement To ask for papers proving guilt in black and white, Is useless for there need be no such papers The guilty have proof of their innocence The innocent often have no proof. - Bertolt Brecht Introduction On the 8th of June 2012 Additional District Judge, Sunil Kumar Singh, Presiding officer of the District and Session Court, Allahabad, pronounced life imprisonment to 36 year old Seema Azad, writer and editor of Dastak (a monthly magazine) and the Organising Secretary of the People's Union for Civil Liberties, Uttar Pradesh branch, under waging war against the Government of India and for offences related to being a member and supporter of a terrorist organisation. Her husband Vishwa Vijay too was similarly sentenced. The Judgement came exactly after the two had spent twenty seven months (two years and three months) in Naini Jail. This Judgement has once again exposed how the Indian Security Establishment, the Police and the Intelligence are working in tandem with a section of the Judiciary and that any arrest made in the name of Maoism and Terrorism can be justified by invoking the draconian laws like the UAPA and the colonial era security provisions of the Indian...
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...Irvine Welsh Trainspotting IRVINE WELSH works, rests and raves in Edinburgh. He has had a variety of occupations too numerous and too tedious to recount. Trainspotting was his first novel and he has also published a collection of short stories, a novella entitled The Acid House and a second novel, Marabou Stork Nightmares. IRVINE WELSH TRAINSPOTTING Minerva Thanks to the following: Lesley Bryce, David Crystal, Margaret Fulton–Cook, janice Galloway, Dave Harrold, Duncan McLean, Kenny McMillan, Sandy Macnair, David Millar, Robin Robertson, Julie Smith, Angela Sullivan, Dave Todd, Hamish Whyte, Kevin Williamson. Versions of the following stories have appeared in other publications: 'The First Day Of The Edinburgh Festival' in Scream If You Want To Go Faster: New Writing Scotland 9 (ASLS), 'Traditional Sunday Breakfast'in DOG (Dec, 1991), 'It Goes Without Saying' in West Coast Magazine No. 11, 'Trainspotting at Leith Central Station' in A Parcel of Rogues (Clocktower Press), 'Grieving and Mourning In Port Sunshine' in Rebel Inc No. 1 and 'Her Man, The Elusive Mr Hunt' and 'Winter In West Granton' in Past Tense (Clocktower Press). The second part of 'Memories of Matty' also appeared in the aforementioned Clocktower Press publication as 'After The Burning'. Contents KICKING – – * THE SKAG BOYS, JEAN–CLAUDE VAN DAMME AND MOTHER SUPERIOR; JUNK DILEMMAS NO. 63; THE FIRST DAY OF THE EDINBURGH FESTIVAL; IN OVERDRIVE; GROWING UP IN PUBLIC; VICTORY ON NEW YEAR'S DAY; IT GOES WITHOUT...
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...A community involves species that interact and live together within the same space and time. The communities present in each given area is a reflection of the physical environment in which they survive. For example, at Kamiak Butte, the climate conditions play a major role in what species are present on each slope. Each slope contains a variety of diverse species living and interacting with one another which will be explored in the remainder of this paper. Ponderosa Pine-Mallow Ninebark-Elk Sedge Community In the first slope named Ponderosa Pine-Mallow Ninebark-Elk Sedge, one of the most dominant intraspecific interactions is competition for resources. At slope one there is significant coverage of vegetation as seen by the PAR and Overstory...
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...Lokpal................................................................................. 7 a. Independence of Jan Lokpal and Jan Lokayukta................................................... 7 (i) Administrative independence........................................................................ 7 (ii) Financial independence................................................................................. 7 (iii) Manpower..................................................................................................... 7 b. Single anti-corruption agency.............................................................................. 7 c. No more advisory bodies..................................................................................... 8 What action will be taken by Lokpal against corrupt people?....................8 a. Time bound investigations................................................................................... 8 b. Recovery of loss caused to government.............................................................. 8 c. Confiscation of assets.......................................................................................... 9...
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...R F D Results Framework Document For City Police Section 1: Vision, Mission, Objectives and Functions Vision Vision Mission Mission To ensure safe, secure, free, and dignified living for all citizens. To ensure citizen safety and their rights through an efficient, effective and courteous police system by strengthening internal security, vigilance mechanism, community policing, emergency preparedness for countering terrorism, reduction in crime & recovery of disaster victims by using modern managerial principles & cutting edge technology. Objectives Objectives 1. Improving law & order in the city 2. Improving traffic and road safety 3. Countering terrorism and reducing terror threats to ensure internal security 4. Prevention & detection of property crime 5. Enhancing security of VIPs & vital installations 6. Generating awareness among citizens through community policing 7. Strengthening the police force through recruitment and training 8. Providing support in disaster management for recovery of victims 9. Carrying out research, development and intelligence 10. Deployment of state of art infrastructure & technology upgradation Functions Functions 1. Prevention & control of crime 2. Providing road and traffic safety 3. Providing internal security 4. Conducting citizen awareness 5. Providing support during disasters Section 2: Inter se Priorities among Key...
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...Journal of Accounting and Economics 11 (1989) 295-329. North-Holland FINANCIAL STATEMENT ANALYSIS AND THE PREDICTION OF STOCK RETURNS* Jane A. O U Santa Clara university, Santa Clara, CA 95053, USA Stephen H. P E N M A N Universi(v of California, Berkeley, CA 94720, USA Received January 1988, final version received April 1989 This paper performs a financial statement analysis that combines a large set of financial statement items into one summary measure which indicates the direction of one-year-ahead earnings changes. Positions are taken in stocks on the basis of this measure during the period 1973-1983, which involve cancelling long and short positions with zero net investment. The two-year holding-period return to the long and short positions is in the order of 12.5%. After adjustment for 'size effects' the return is about 7.0%. These returns cannot be explained by nominated firm risk characteristics. 1. Introduction F i n a n c i a l s t a t e m e n t analysis identifies aspects of financial statements that a r e r e l e v a n t to investment decisions. O n e goal of the analysis is to assess firm value from financial statements. M u c h empirical a c c o u n t i n g research has a t t e m p t e d to discover value-relevant accounting attributes in o r d e r to enhance financial s t a t e m e n t analysis. T h e a p p r o a c h taken in this work assumes that m a r k e t price is sufficient for d e t e r m i n i n g firms' values a n d thus serves as a b e n...
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...Chit funds seem to be an easy way for fraudsters to make money. Most chit fund companies that are involved in scams have a similar story. The companies are started by fraudsters. They then rope in respectable people as directors in order to bring credibility to the company and attract investment. Once people invest money , they run away with all the money. Leaving the honest directors to face the lawsuits and the liabilities. This was the case with the directors of Realcon Ltd. Sometimes directors can land in trouble for smallest of mistakes. The directors of Shasun Chemicals and Drugs Ltd experienced that first hand when an FIR was slapped against them for a cheque dishonouring...
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...Must one argue that America was built on the values of freedom? If this is true, which history has already proven it is, then why are we stripping the rights of our youth by requiring them to participate in mandatory volunteering? Before one can even begin to answer this they must also ask what is volunteering? In short it is offering to do something “freely”. Schools should not force our students to participate in volunteering, because they are inevitably causing the youth to be rebellious and devaluing the appreciation for true volunteering. While volunteering may be a seemingly good thing, mandatory volunteering causes young adolescents to rebel against community service and volunteer work. According to the Cognitive Evaluation Theory study, people tend to resist and lose interest in what is being asked of them when they feel they are being controlled by an outside source because of the human nature of individualism(Pearce 1).This is already seen in other school situations, such as with homework. Many children will often refuse to do rudimentary or simple homework assignments. Throughout history, volunteering has evolved into a cultural connection; a common characteristic of humans on a local, national, and global level is the desire to help one another. Although this statement is not necessarily true for every individual, most people feel an urgency to assist friends, family members, coworkers, and/or strangers in need or in crisis. Why should we volunteer? Many people...
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...CLASSIFICATION AND REMEDIES OF TERMS GOH KAH LING* The writer has discussed that contract is a legally enforceable agreement that meets certain specified legal requirements between two or more parties. Terms of contract are statements that made by one party in order to encourage the other party to enter into the contract. It should be clear, promissory and capable of acceptance. Terms of contract can classified as conditions and warranties. Conditions terms are term of major importance which goes to the root of the contract. It entitles innocent party to terminate the contract and sue for damages. Warranties term is a subsidiary term of the contract. It will compensate the innocent party for any loss or inconvenience. It is a hybrid term, sometimes assuming the characteristics of a condition and at other times the characteristic of a warranty. Severity of breach of intermediate terms depends entirely on the legal consequences of the actual situation Breach occurs where a contract has come into being and one or other of the parties fails to perform all or some part of the obligations under it. There are four main remedies available to the wronged party: Specific performance, injunction, damages and restitution. CONTENTS I | Introduction | 2 | II | Terms | 2 | III | Conditions Terms | 3 | IV | Warranties Terms | 4 | V | Intermediate Terms | 5 | VI | Remedies | 7 | | (i) Specific Performance | 7 | | (ii) Injunction | 8 | | (iii) Damages | 8...
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