Proposal to add a Day Care Facility at Work Essay

Proposal to add a Day Care Facility at Work - Essay Example Contemporary business leaders require dynamic workers who are capable of meeting the demands of a high-stress and competitive work environment. From a theoretical perspective, these workers would need to be both motivated and free of distraction to avoid performance-related failures. Hence, in many respects, as today’s businesses are often focused on teamwork and team-building philosophies, it becomes the responsibility of the business leaders to invent new and innovative measures to boost employee morale and job satisfaction. Our facility, ABC Industries, a leader in manufacture and sale of technological components for automotive sound systems, maintains a staff of nearly 800, running on two split 12 hour shifts. In this high-stress environment, turnover ratios have been significantly high in recent months due to production demands, putting a significant strain on the human resources budget. Additionally, worker performance on the production floor has been down nearly 25 percent in the same time period due to worker anxiety over personal versus work-related schedule conflicts. Recent communications and anonymous surveys with production workers have indicated a desperate need for a corporate day care facility to assist in the demands of balancing home and work life. Many of ABC’s staff members have suggested that high gasoline prices combined with escalating day care costs have made them financially-motivated to find other employment which might offer a more lucrative salary package. This is something ABC Industries cannot afford. In this difficult economic environment, budgetary guidelines need to constantly be considered. However, the costs to the business in terms of reduced productivity and turnover expenses far exceed the costs associated with managing an in-house day care facility. Budgetary issues will be outlined in greater depth throughout this proposal, however it is appropriate to discuss its

Bread Term Paper Example | Topics and Well Written Essays - 1000 words

Bread - Term Paper Example The crust nature of the bread differs from the way and type of the bread prepared. Bread is mostly taken as part of the breakfast meal and beside other meals depending on a culture. Most of the breads known are the white bread that is made up of the endosperm and wheat flour and the brown bread which is known to be more healthier because of the additional whole grains that increases the fiber content. The French stick which is known as bread baguette is the popular type of bread within the France community. It’s a crusty long thin loaf which has a standard weight of 250 grams. The bread baguette bread has different forms of bread depending on the type and size. They is the molded bread which is made up of a crispy golden brown crust with a thinner crust than the rest, ordinary bread crust and the floured bread which is basically covered with wheat flour before being cooked. The white ordinary French bread is the most common type with several variety types of bread from the flute(double size of the baguette),couronne(the ring shaped bread),ficelle(long and very tiny loaf which should be eaten while fresh otherwise the inside dries up quickly while baked) and the batard(half the normal loaf). In france, most peoples’ day begin with breakfast which consists of bread, coffee or chocolate that is drunk using a bowl. Bread is also taken around four by the students from school. The French people consider meal as part of their rights and leisure activity. The French food is famously believed to be healthy and encouraged to be taken throughout the year by individuals. It consists of well baked fresh bread, milk fruits, local cheese, vegetables and high quality ingredients. The main ingredients used to make the French bread include water, flour,salt and yeast and some eggs and other ingredients if required. The first step involves kneading which involves the mixing of all the ingredients in a bowl and forming smooth and elastic dough. The dough is greased and

The Success Factors Of The Nintendo Company Marketing Essay

The Success Factors Of The Nintendo Company Marketing Essay Nintendo Co., Ltd is a multinational public listed company but privately held that develops, manufactures ,and auction home entertainment products (Reuters).The company is currently the one dominating the handheld console market with its Nintendo DS as well as its preceding incarnations of its best-selling Game Boy handheld (Nintendo). Nintendo Company was Founded by Fusajiro Yamauchi ,a Japanese man in the year 1889 (Ben, 2011) .The current president of Nintendo however is Satoru Iwata. The company is based in Kyoto, Japan (Marketwatch, 2012) and has a large number of employees both hardware and software based people, this includes programmers ,business people and thinkers . The name of the company is derived from a Japanese proverb, when translated in English language means Leave luck to heaven (Dominic, p. 1). Nintendo company is widely acknowledged for making video games (Ben, 2011) and is considered as one of the most successful gaming industry worldwide (Dominic, p. 1) . The co mpany has branches in America and Europe with Japan being the leading market (Nicole, Jann, Kelsey, 2005). and operates in more than 26 sub branches and five associated companies. The companys branches consist of the Nintendo of America Inc., Nintendo of Canada Ltd., Nintendo of Europe GmbH, Nintendo France S.A.R and along with others. Products Nintendo offers include but are not limited to :- leisure machine such as portable and console game like the Wii , Nintendo 3DS and Nintendo DSi as well as the Nintendo GameCube, Nintendo Entertainment System(NES), Nintendo 64 till the latest product the Wii U (Nintendo, 2012). 1.2. Reason For Choosing Nintendo : The company is considered as a technology-based venture as it produces high technology games, uses 3D gaming technology as in the case of the Nintendo 3DS systems , graphics, digital images and so forth. The company has revolutionize the gaming world by changing the way video games is perceived today (Sebastian, 2008). The reason for which the company has been chosen was not limited to the creativity and innovation they emphasize on their products which grabs attention nor for their console being user-friendly , portable making it easy to use , but also due to the fact that the company offers a brilliant example of one that has been able to stand on difficult moments, face failure at some point and succeeded in a market dominated by larger competitors (Sony and Microsoft) by continuously innovating and improving their products. 2. Nintendo Company (An Overview) : 2.1.History of Nintendo: The Company started as a manufacturer of Hanafuda  [1]  playing card in the town of Kyoto , due to its popularity at the time the company expanded all over Japan (Dominic, p. 2). During World War II, meanwhile the Japan economy was distraught , the demand for playing cards however decreased slightly and thrived in the years that followed the war. In the year 1949, Nintendo welcomed its new president Hiroshi Yamauchi who tried to modernize the company by developing plastic playing cards earning its place as the largest playing card company in Japan at the time (Fukuine). In 1959, Nintendo and Disney signed an agreements that allows Nintendo to print their card with Disney cartoon on it and by the year 1962, Nintendo went out public. Due to the success of their cards, and huge sales , the company extended its branches all over the world (Minami-ku) . The company later made an attempt for other business like clothing ,taxi service ,TV network, food company and toy-making company but only the toy-making company turned out to be the successful while the rest of the buisness experiment led to major failures. The toy-making company experienced success in the late 190s when Gunpei Yokoi a developer at Nintendo designed an extending arm toy The Ultra-hand. The creativity nature of Gunpei led to future release such as the baseball throwing machine and other related products (Manali) . Nintendo later turned into the video market which in later years proved to be their most profitable decision (Wikia). Nintendos first global large scale success came in the year 1981 with the release of the arcade game Donkey Kong. This game provided colorful graphics, Disney cartoon figures and had multiple levels where by players had to jump over barrels, ride elevators and many others. The goal of the game was to save a princess from obstinate gorilla, the game was alluring and the story attracted people. Alongside the release of the arcade Donkey Kong, was Mario Bros which allowed p layers to kick enemies using the game display established Nintendos place firmly in the video game industry. In 1985, Nintendo began to advertize their console in America and other parts of the world beneath the name of Nintendo Entertainment System(NES). In 1989, Nintendo introduced the first portable by hand game system , the Game Boy and its successive iterations mainly the Game Boy Color, Pocket, Light and other. The years that followed introduced the 16-bit Super Nintendo Entertainment System(SNES) in America alongside with Super Mario Bros, The Legend of Zelda : A Link to the Past and more for use with the SNES (Eric, 1999) which was a huge success . Moreover Nintendo began losing it grounds to their competitors mainly Sony and Microsoft when Sony released its play station console in 1991 (Dominic, p. 2). This however let them to the launch the Nintendo N64 ,with a 64-bit home video game system by the year 1996 which led to huge sales and its come-back featuring the adaptat ion of the previous arcade game and enhancing the game features (Eric, 1999). In the years that followed, Nintendo products gained popularity while others were failures or criticized. In 2001, Nintendo introduced the WII, a home video game console which target people of all age group and gender as it is easy to use and attractive. It was a year later that Satoru Iwata succeeded Hiroshi as President (Manali). Nintendo further launched the Nintendo DS devices in 2004 followed by the Nintendo DS I the most recent the Nintendo 3DS version enabling players to play virtually on 3D platforms without the need of any glasses, the release of the 3DS was on 2011 and drifted a huge success (Yahoo). With the release of the latter products, Nintendo earned worldwide reputation (Manali). The latest Nintendo product is an incarnation of the Wii namely the Wii U which launch date is settled on the 17 November 2012 . The picture below summarizes the key historical dates of the Nintendo company . 2.2. Success Factors Nintendo : The key to Nintendo success is the incorporation of the hardware and software needed to develop their products .Meanwhile different factors exists that makes the Company successful, three out of all are discussed as follows : 2.2.1. Good Working Environment : A Good working environment is one in which the employees and the entrepreneur/president of the company entertain a good and stable relationships .The employees are happy about their work and are encouraged to work harder. The entrepreneur/leader encourages employees to speak freely and express their ideas without restrictions. This motivates employees to be open-minded ,express their creativity and work harder towards the achievements of the same goal. Nintendo, provide a good working environment , the employees feels like they all belong to the same family as most of them have been working under Nintendo name for many years (Ben, 2011). Employees are encouraged to take decisions, and speak-up their ideas, share their knowledge, by doing so, Nintendo keeps the most talented employees as was the case with Gunpei Yokoi, the maintenance engineer working at Nintendo who had the idea to design the Ultra Hand product and was given full support by the company president to design the product which later proved to be successful in the late 1970s (Manali). The creative nature of Gunpei in the years that follows beneficiated Nintendo company as the product designated under his whelm let to huge sales. Other than Gunpei, Nintendo has talented employees like who worked together all as a whole. 2.2.2. Customer Relationship Management (CRM) : CRM describes the way an enterprise interacts with its customers. It is a strategic issue that the company undertakes to make sure they handle customers interactions and provide better way to respond to customers requests or through their strategy , target what the customers need (Wendy). Nintendo uses Disney cartoons figures as stated earlier. This grabs children attention and encourage them to afford a Nintendo product. They target their customers at an earlier age and their games are kid-friendly and educative gaining them popularity parents. For Nintendo , Expanding the gaming industrys customer was their vision. They wanted to attract more people , people that are not usually used to play video games. The company were the first to target players from all age groups and gender not just the normal age 5-22 but rather 3-120 . Unlike Sony and Microsoft , Nintendo did not try to impress their customers by adding more technical features on their products, rather than doing that, they continuously search for a way to adapt to their customers needs and make radical innovation. They fit their products to best benefit their customers and this is one of the most important success factor the company has. Nintendo provide a discussion forum for their product in their website . The forum is open and is accessed by all Nintendo fans as well as potential consumers . People can interact with each other discussing their experience with the Nintendo product they own or think of purchasing , the product they liked the most , dislike, what they think could be done to improve on any of the Nintendo product, or just stipulate their expectation. Nintendo later uses this information as a step forward to adapt the need of their customers to their product. This maintains a firm relationship between Nintendo and their customers and shows how much they care about their needs . Nintendo also provides reasonable prices for their products as compared to their competitors. they make sure the common people will gain or benefit from their products thereby increasing their own profit (Nicole, Jann, Kelsey, 2005, p. 14). They have incorporated a free game with each Wii unit with a price of $250 that surely was not comparable as the playstation3 of Sony with a price of $350 by the time (Brian, 2012). With the venture of the Nintendo WII product, came the WII sport feature. Nintendo decided to launch WII sport trying to find a healthy way for people not to become obese by spending their whole time playing game, those who wants to loose weight or just normal people wanting to stay fit by doing sports without going out of their homes. They realized the adult population needed it, and requested it, so they launch the WII sport feature, which was easy to learn and to use, adapting itself to normal life. The product brought in a new sort of social and physical interactive entertainment in a new form that can be played with friends or family , The console did not only revolutionize the gaming industry by giving the market a product that suits their needs and desires but also helped Nintendo strengthen its place as a leader in the video industry. 2.2.3. Innovation and Technology : It is important for an enterprise to identify the technology required for its buisness to keep growing as technology is changing in order to widen their audience and keep their target customers beneath (Marian, 2000). When coming to technology and innovation issues, Nintendo moves as fast as technology changes occur. Since players often purchase the game they want based on the features that the console offers. Nintendo succeeded by adapting its consoles with the features and needs its target audience desires . From history Nintendo has been the leader of hardware design, they were the first to feature shoulder buttons on the controller for the Super Nintendo, they implement joystick first, enabling gamers to have a hold on their games and this rendered the games more interesting even to casual gamers (Joshoua, Randolf, Bradley). Nintendo has always been innovative continuously adding up new features on their existing product as well as creating a total new sort of product to target new audience. At each steps forward, Nintendo continuously figured out a way to improve on their product by applying new technology as was the case for the Nintendo 3DS which opened up a new generation of gaming systems. Nintendo 3DS was the first game represented in 3D that was played without any glasses. Players would not need to bother themselves and could actually live the experience. This pretty much attracted interest, adding-up to the beautiful amazing graphics processing it offers. Nintendo keenness to revisit old-fashioned technologies that many gamers thought outdated was one of the reason they are successful today. They did concentrate themselves on selecting the correct technologies that its target audience will apply, find it easy to use while having fun. With the release of the wii, Nintendo showed to the world a new way to control a device through the use of the wii remote control. A new air for the gaming industry began. Their way of integrating technology is just amazing, just like their latest product WII U Gamepad which has added a touch screen , a technology never used before in the video game world to control games. This relates that the games played on the Wii U will offer a player any way he wants to control the game . The gamer can choose to control the game using either buttons, knobs, Wii remote control or lately through the touch screen. 3. Conclusion : Nintendo would likely be the first game child-play ever . Throughout the years, it has faced huge failures and extremely strong competitors as Sony and Microsoft, though the Nintendo products cannot be comparable to those two due to the complicated hardware they use, and their technology advancement, Nintendo still stands as the number one in the Video game Industry for hand-held console. The Company brilliant working team, managerial process , relationship with their customers and continuous innovation has earned them along lasting position in the gaming industry. One cannot go without saying that Nintendo products has changed the way we look at video games today. They may not be tough in front of Sony and Microsoft but they are most inevitably the most creative. The value they offer with the technology that matches up the needs is what makes Nintendo an outstanding and successful company .

Abortion - Human Life is Involved Essay -- Argumentative Persuasive To

Abortion - Human Life is Involved      Ã‚  Ã‚   Divine law and natural reason exclude all right to the direct killing of an innocent man. However, if the reasons given to justify an abortion were always manifestly evil and valueless the problem would not be so dramatic. The gravity of the problem comes from the fact that in certain cases, perhaps in quite a considerable number of cases, by denying abortion one endangers important values to which it is normal to attach great value, and which may sometimes even seem to have priority. Pro-lifers do not deny these very great difficulties. It may be a serious question of health, sometimes of life or death, for the mother; it may be the burden represented by an additional child, especially if there are good reasons to fear that the child will be abnormal or retarded; it may be the importance attributed in different classes of society to considerations of honor or dishonor, of loss of social standing, and so forth. Pro-lifers say that none of these reasons can ever objective ly confer the right to dispose of another's life, even when that life is only beginning. With regard to the future unhappiness of the child, no one, not even the father or mother, can act as its substitute--even if it is still in the embryonic stage--to choose in the child's name, life or death. The child itself, when grown up, will never have the right to choose suicide; no more may his parents choose death for the child while it is not of an age to decide or itself. Life is too fundamental a value to be weighed against even very serious disadvantages.    When does human life begin? According to physicians, biologists and scientists testifying before the United States Congress:    Conception (fertilizatio... ...he Amedos. Medical A's',, 1W12/84, p. 20.    Hooker and Davenport. The Prenatal Origin of Behavior. Kansas: University of Kansas Press, 1952.    Noonan, "The Experience of Pain, New Perspectives on Human Abortion." N.p.: A1etheia Books, 1981. p.213.    Reinis, Stanislaw and Jerome M. Goldman. The Development of the Brain. Springfield, IL: Charles C Thomas Publishers, 1980.    Rockwell, P.E.,M.D. Director of Anesthesiology, Leonard Hospital, Troy, NY, U.S. Supreme Court, Markle vs. Abele, 72-56, 72-730, 1972. P.11       The Silent Scream. Cleveland, OH: American Portrait Films, 1984.    Tanner, J.M. and G.R. Taylor, Time-Life Books. Growth, New York: Life Science Life, 1965. p.64.    U.S. Congress. Subcommittee on Separation of Powers to Senate Judiciary Committee S-158, 97th Congress, 1st Session 1981. p.7   

The Effects of World War Ii on Northern & Southern Ireland; 1939-1945

The effects of World War II on Northern & Southern Ireland; 1939-1945 Daniel McCarthy (Visiting Student) Student Identification Number: 08102474 The Two Ireland’s in the 20th Century 0809-HI 208. E John Cunningham Word Count: 2,990 13 March 2009 Daniel McCarthy 1 Throughout the time period of 1939-1945, the two countries of Northern Ireland and the Republic of Ireland found themselves in two different positions in regards to participating in World War II. Northern Ireland, which was controlled by the United Kingdom, played a vital role in helping defeat the Axis powers through its strategically located position and its manufacturing abilities. While the Republic of Ireland lead by Taoiseach Eamon de Valera vowed to remain neutral and keep its citizens out of war. While completely different in ideologies, did the two different countries share any similar experiences throughout World War II? A vast range of similar and differencing experiences occurred to these two Ireland’s collectively throughout 1935-1945. Overall, while the Republic of Ireland formally remained neutral and Northern Ireland continued to fight, both of the Ireland’s different philosophies and approaches helped garner new experiences and identities on an international stage. To understand the experiences and philosophy of the Republic of Ireland during World War II, the past must be analyzed to realize their decision for declaring neutrality. Ireland’s neutrality lineage can be dated back to 1914 when organizations such as the Irish Neutrality League promoted such nationalist slogans as, â€Å"Neither King nor Kaiser but Ireland! (Murphy 9). Prior to World War II beginning, the Republic of Ireland found itself in a less than desirable position. Ireland fought the British for independence from the years 1919-1921 in the Anglo-Irish War and subsequently again from the years 1933-1938 in the Anglo-Irish Trade War. This twenty year period left the Republic of Ireland in a state of political reconstruction and economical recession. Resulting from this, a â€Å"Guaranteed Neutrality† clause was added to the â€Å"Draft Treaty A†. Irish delegate Erskine Daniel McCarthy 2 Childers explained that an independent Ireland would, â€Å"stand alone, like the vast majority of small nations, with complete independent control of our territory, waters and forces, neutral in all wars and devoted to peaceful development† (Murphy 10). Moreover, the experiences of these amounting conflicts resulted in Ireland wanting to rebuild its own infrastructure and nation rather than become entangled in conflict, on any scale. A few philosophies existed in the Republic of Ireland supporting neutrality, in particularly de Valera leadership for remaining neutral the entirety of the war. To de Valera one of his earliest conclusions was that it would be â€Å"completely foolish† for a small nation like Ireland, to volunteer and become a belligerent country. Thus, welcoming hardships in his eyes were not necessary or needed. Alongside this, de Valera used the partition of Ireland to explain remaining neutral by offering, â€Å"we believe that no other position would be accepted by the majority of our people as long as the present position exists† and also explaining, â€Å"The continued existence of partition, that unnatural separation of six of our counties from the rest of Ireland, added in our case a further decisive reason† (Murphy 14). This nationalist feeling portrayed from Southern Ireland was that it must no longer be involved in â€Å"England’s Wars† and allow for Ireland to create their own sovereignty (Murphy 9). These experiences prior to World War II offer a brief synopsis as to why de Valera continued to remain out of the war: to protect Ireland’s best interest. This ideology of self preservation and neutrality would be the driving force behind Ireland’s experiences throughout World War II. While de Valera and Fianna Fail Daniel McCarthy 3 ontinued on its path of neutrality, Northern Ireland would in time experience a different emergence onto the national stage of politics. The story of Northern Ireland and World War II reveals quite a different experience in comparison to the Republic of Ireland. At the beginning of the war, Northern Ireland experienced little preparation or sense of concern in being drawn into the violence of World War II. On one account a Belfast diarist desc ribed her native city as, â€Å"probably the pleasantest place in Europe. We are unbombed, we have no conscription, there is plenty to eat and life is reasonably normal. † (Barton 48). Mainly, this lack of preparedness and sense of urgency was blamed on Northern Ireland’s Prime Minister Lord Craigavon. Craigavon, was criticized by many as too old and ineffective of a leader to prepare for what many predicted as a very turbulent future for Northern Ireland (Farrell 154). However, Northern Ireland was not initially included in plans from Westminster legislation because they decided that Northern Ireland had no military significance to the allies’ forces. Northern Ireland in the upcoming years would experience a shift from having little importance in World War II into that of a crucial manufacturing city that also supplied Britain with a labor force and acted as a strategically located base (Second World War Online Learning Resource for Northern Ireland). Within the first seven months of 1939, Northern Ireland would begin to transform into a country ready for war. Belfast was quickly noted as not being adequately utilized; with a large number of the population unemployed and its valuable location, measures were quickly put into action to use Northern Ireland’s location. First, Westminster Daniel McCarthy 4 legislation would grant government contracts worth more than ? 6m for equipment which included bedding, battledress, and electrical wiring (Second World War Online Learning Resource for Northern Ireland). While these new initiatives were meant to help the Allied forces, it also helped to a degree curb down Northern Ireland’s unemployment rate. In 1938, the number of unemployed in Northern Ireland was a staggering 91,000. However, with the unemployed working in the shipyards and other various jobs this number eventually curbed down to 77,000 by 1940 (Farrell 161). Furthermore, Northern Ireland would begin to see other changes occurring through its country at the beginning of World War II. The rationing of food followed by the introduction of an identity card system, restrictions on travel, the censorship of mail and telephone calls, governmental controls on the press, the imprisonment of male enemy aliens, the formation of a local home guard and Auxiliary Territorial Services were introduced to Northern Ireland. Northern Ireland over night was quickly transforming into a society to contribute to the war. Due to these escalations and output from Northern Ireland, it soon became a point of interest to the Axis powers and its role in aiding the Allied forces (Second World War Online Learning Resource for Northern Ireland). As illustrated before, a discussion was made which showed the reasons as to why the Republic of Ireland remained neutral throughout the entirety of the war. However, how neutral was Ireland’s experience throughout World War II? The Republic of Ireland and de Valera were formally considered to be neutral but they did assist Northern Ireland and the Allies on numerous occasions. Whether sending meteorology reports to help assist coordination of the invasion of Normandy or sending aid and fire trucks to Belfast Daniel McCarthy 5 after heavy German air raids, these covert operations clearly assisted the Allies (Girvin 25). But, de Valera and Ireland did experience and receive negative feedback throughout the war. De Valera did censor Holocaust images from Ireland and also ceased news radio shows only limiting war reporting’s to brief paragraphs in the paper. Furthermore, German and Japanese embassies remained functioning in Dublin during de Valera’s reign. But then again, Ireland was supposed to be an impartial and neutral country. Once, an American historian for the New York Times stated that de Valera’s nation had, â€Å"missed out somehow on the greatest moral issue of modern history† (Murphy 13). How can the Republic of Ireland’s experience in remaining neutral be summarized throughout World War II? Fianna Fail and de Valera believed that by staying neutral it would preserve Irish sovereignty and indeed save Irish lives. Winston Churchill even made vague promises of reuniting Northern and Southern Ireland at the United Kingdom’s most vulnerable time to de Valera if Ireland joined the Allied forces effort. In a telegram Churchill stated, â€Å"Now is your chance. Now or Never, a Nation once again. Am ready to meet you at any time. † (Farrell 172). De Valera declined Churchill’s offer, knowing that in desperate time’s promises aren’t necessarily kept. But how did all of this affect the Republic of Ireland? Ireland’s experience throughout World War II was neutral but they did indirectly aid the allies’ troops through employment, covert operations, and thousands of Irish volunteering as Allied soldiers. Perhaps, through this experience, de Valera and Ireland contributed more to World War II and the United Kingdom through formal neutrality and covert operations as opposed to having the Daniel McCarthy 6 majority of Ireland, who disapproved of entering the war, being a negative belligerent presence (Murphy 15). While Ireland remained neutral; Northern Ireland continued to build its military presence and differed in many experiences that Ireland didn’t endure. After Germany took over France in June 1940, Northern Ireland became the most important bridgehead for protecting Atlantic shipping lanes (Second World War Online Learning Resource for Northern Ireland). Northern Ireland became increasingly paranoid that Germany was planning for an invasion. Similarly, de Valera was worried at the beginning of the war of a United Kingdom invasion or even a German one or most importantly being drawn into the war by the United Kingdom. But his fears of being drawn into war were subsided when in 1938 the British government returned key ports to Ireland in part of the Anglo-Irish Agreements. But, in Northern Ireland these fears would act as a catalyst for the nation which instructed/designed evacuation routes, ordering blackouts, and the creation of bomb-shelters. By the early 1940’s Belfast in Northern Ireland was considered a large military stronghold with over 100,000 British troops by April 1940’s (Second World War Online Learning Resource for Northern Ireland). This affected not only the economy but the demeanor of Northern Ireland. People of Northern Ireland feared and opposed conscription but the Westminster government understood that already strong resentment from Catholics and even Protestants was not worth the conscription trouble. Additionally, Catholics and Protestant hostility still existed and IRA members still sporadically bombed London but sectarianism did decrease (not by much) among these two Northern Ireland groups (Barton 52). Daniel McCarthy 7 When comparing the two Ireland’s and their experiences throughout World War II, there is a stark difference between the two and the physical damages incurred. Throughout April and May of 1941, Germany began air raids specifically targeting Belfast docks and factories. The casualties and expenses were immensely damaging to Northern Ireland. From these raids an estimated 900-1,100 died, 56,000 houses were badly damaged, 3,200 totally destroyed, and roughly 100,000 people were left homeless (Barton 50). In comparison to the Republic of Ireland, which â€Å"mistakenly† was bombed May 30, 1941 on Dublin’s north side by Germans only endured 41 causalities and seventy houses were damaged (Second World War Online Learning Resource for Northern Ireland). Here, we can see a clear difference between Northern and Southern Ireland. Northern Ireland quickly rose as an important military base while Southern Ireland remained neutral and relatively untouched. How would these events affect the two countries in the long term? One of largest shared experiences between the Republic of Ireland and Northern Ireland throughout World War II would be the matter of emigration and contributing to Britain’s war-time effort. The Republic of Ireland, as much as they wouldn’t like to admit it, relied heavily upon the United Kingdom’s economy. This was clearly illustrated through the Anglo-Irish Trade Wars, which crippled the Irish economy when the Irish decided to ban British imports and in turn the British retaliated by heavily taxing all Irish imports. 90% of Ireland’s exports were to Britain and British consumers ceased purchasing these goods which devastated Ireland’s economy (Connolly 119). It can not be denied that the success of the Republic of Ireland’s economy was linked to the Daniel McCarthy 8 strength of the United Kingdom economy. By 1939, thousands of Irish migrated back to Ireland in fear of being drafted into the British army through conscription acts. However, in 1940 Lord Beveridge from the British Manpower Commissioner realized that over 8. 5 million peoples were needed to work in the munitions factories (Connolly 123). Britain realized the need for Irish labor and the Irish understood that their economy was only as strong as the United Kingdom’s. Westminster permitted the temporary citizenship, labeled, â€Å"conditionally landed† which exempted Irish from conscription for two years while working overseas (Connolly 125). The Republic of Ireland mainly helped facilitate and â€Å"encourage† the emigration of Irish to Britain while the United Kingdom forced an economical conscription upon Northern Ireland. Official statements revealed from the Republic of Ireland, It seems a reasonable view that if they cannot secure normal employment here during the present emergency conditions, which will probably grow worse, the Department should not refuse them the facilities and assistance when they seek to earn their livelihood elsewhere. Girvin 26) Here, the Republic of Ireland realized that during these economically difficult times that both Ireland’s were facing it was better to have Irish work in Britain rather than be unemployed in Ireland. Britain mandated this â€Å"economic conscription† which gave little options for many Northern Ireland citizens. However, the main consequence was that by 1945 the number of unemployed dropped to 16,000 (Farrell 160). Many reasoned that â€Å"economi c conscription† was a better means to an end in comparison to being drafted to fight. Daniel McCarthy 9 Mainly, both the North and South experienced a large migration of its population over to Great Britain. Between the years 1939-1946, net emigration was estimated to be around 189,942 which was a 13. 9% increase of emigration from Ireland from the prior decade. Many feared that this massive migration to Britain would lead to Irishmen and women to adopting British socialist values and abandoning Christianity. Between the years 1941-1945, wages in Britain increased 20% which was a main driving force behind these massive numbers of immigration (Connolly 126). But what did these two Ireland’s experience? They witnessed a higher income for citizens as allotments were sent back to Ireland to rejuvenate the economy and bring down the unemployment rates. Overall, the economy became stronger and Ireland contributed (indirectly) to the Allied forces eventual victory. Overall, what can be said about the two Ireland’s experience throughout World War II? First, let us observe and summarize the Republic of Ireland. Right from the beginning, de Valera and his people opposed war for many reasons. Decades of fighting with the British along with a reconstructing economy coupled as major deterrents for joining the war. The Republic of Ireland would be one of twenty nations that declared neutrality at the beginning of the war and be one of the five that remained true to their declaration. But what were the benefits and disadvantages that came along with neutrality? For one, Ireland didn’t sustain a large population loss after World War II ceased. Unlike other countries that lost thousands or millions of troops, Ireland’s causalities were nominal in comparison. Furthermore, Ireland experienced a feeling of relative safety from stronger powers amongst the world. But what are some of the Daniel McCarthy 10 disadvantages that the Republic of Ireland experienced? Along with de Valera and his orders of censorship, many Irish were left clueless as to the Holocaust happenings and the surroundings around them. Furthermore, the Republic of Ireland faced constant suspicion and hostility from Allied nations, in particularly the United Kingdom. Churchill once announced shortly after Allied victory, â€Å"†¦if it had not been for the loyalty and friendship of Northern Ireland, we should have been forced to come to close quarters with Mr. e Valera, or perish from the Earth† (Ireland during the Second World War). However, these types of verbal assaults were expected and de Valera did rebuttal. As for the Northern Ireland experience from World War II a much different picture can be painted. Northern Ireland seemed to have gotten swept up into the madness of the war. Belfast, one of the most important bases for the Allied forces took on responsi bilities that it never had before. For the main part, many Irish resented Northern Ireland’s participation in the war, particularly Catholics. But, a rapid decline in unemployment helped Northern Ireland experience better economical times. In comparison to the Republic of Ireland, Northern Ireland experienced more as an outcome of the war. It was actively participating in the war and even helped guide Northern Ireland into it’s most prosperous times with relations to the United Kingdom during the 1950’s and 1960’s (Farrell 152). All in all, Northern Ireland proved capable and useful to the victory of the Allied forces in World War II. In conclusion, who faired better with their approach to World War II. The Republic of Ireland, while neutral, was able to maintain a stable government and did witness improvements in their economy. On top of this, it sustained minimal causalities Daniel McCarthy 11 and also was able to reap many of the benefits that came along with the Allied victories. Had the Republic of Ireland been included into the war than it is for certain that German invasion would of occurred due to a weak military presence and lack of organization. Northern Ireland, while its experiences were vastly different to that of the South’s it had to rebuild and continue serving under the United Kingdom. Overall, both Ireland’s witnessed and endured hardness but ultimately the Republic of Ireland and their stance on neutrality won in the long run when comparing the two Ireland’s. Daniel McCarthy 12 Works Cited Farrell, Michael. Northern Ireland: the Orange State. Pluto P, 1973. Ireland During the Second World War. 10 Mar. 2009 . Murphy, John A. , Brian Girvin, Brian Barton, and Tracey Connolly. Ireland & The Second World War Politics, Society, and Remembrance. Ed. Brian Girvin and Geoffrey Roberts. Dublin: Four Courts, 2000. Second World War Online Learning Resource for Northern Ireland. Ed. NIMC Second World War. 11 Mar. 2009 .

Ansel Adams life and two analysis of his photographs Essay

Ansel Adams was born February 20, 1902, in San Francisco, California. Ansel took an interest in music at an early age. He taught himself how to play the piano and enjoyed the surroundings of nature. In 1916, he and his parents went on a trip to Yosemite National Park where he received his first camera, the Kodak Box Brownie. His first photographs recorded their vacation. Ansel fell in love with Yosemite National Park and would return every summer. He worked four summers as the caretaker of the park’s club headquarters. During this time, he became an expert mountaineer and conservationist and gained vast of experience as a landscape photographer. Ansel struggled between two professions, photography and music. In 1920, he decided to become a concert pianist. For seven years he gave piano lessons and concerts. After viewing Paul Strand’s wonderful work, Adams decided to switch careers to photography. A short time later, he joined â€Å"f/64†, a group dedicated to the concept of photography that looked like photography, not like an imitation of other art forms. Ansel stands as one of America’s greatest landscape photographers. His career was punctuated with countless elegant, handsomely composed, and technically flawless photographs of outstanding natural landscapes. His strength as an artist is largely attributed to his diligent investigation of the methods of photography, developing a careful darkroom technique of exposure and development he called the Zone System. In each of his images, Adams aimed to vary the range of tones from rich black to whitest white in order to achieve perfect photographic clarity. His reputation has been firmly established by exhibitions in virtually every major American art museum, three Guggenheim Fellowships and a score of publications. One of Ansel’s landscape photographs is Forest of Aspen. Forest of Aspen is an excellent example of chiaroscuro. The focal point is the tree on the left side that looks as if it is illuminated by the sun. Ansel was good at producing black and white photographs that had the whitest whites all the way to pitch black. The tree is a bright white while the rest of the photograph is a variety of grays and blacks. There are several skinny tree trunks behind the bright tree extending to the top and width of the photograph. Some grey leaves can be seen at the vary top of the photograph making the bright tree look like a younger tree. Between the skinny tree  trunks there is black space. The skinny tree trunks are a variety of grays starting from light gray to black as they retreat out of sight. Just to the left of the bright tree there is another tree a bit smaller. This tree isn’t bright, but rather a light gray. Small gray and black shrubbery occupies the lower portion of th e photograph. When looking at this photograph, one wonders how the sun seems to shine only on the small tree located on the left. Another photograph taken by Ansel Adams is Moonrise, CA 1966. This is another example of chiaroscuro. This photograph is looking at the campus of UC Berkeley and the sky. The top of the photo till midway is pitch black. Then in the middle but a little to the left is a small white circle which is the moon. Below the moon is a small section of sky that is still lit up. This section of sky contains scattered clouds. Under the skyline there are silhouettes of several buildings and trees. Some of the buildings details can be seen while others are black. The lower section of the photo is hard to make out. There appears to be a car in the lower right section indicating a possible parking lot. This photo shows excellent representation of the transforming sky from day to night. Ansel captured this transformation in mid-form. The sky contains both the pitch black night sky and the bright white sky with scattered clouds. Ansel Adams was a man who loved photography. He showed this love through countless studies he did with photography. No one could print his negatives the same way he could. Ansel was the best black and white photographer of his time. The ranges of black and white he could print were outstanding. I thought the film that we watched was very dry and dull but the photographs that Ansel Adams took were amazing. He truly was an artist. I have worked a little bit with black and white photography and the variety of color he got from his negatives was truly incredible. I have respect for Ansel because he loved photography. He showed this love through his photographs; and when he died in 1984, he arranged for all his photographs and negatives to go to the University of Arizona. Now his negatives can be observed and even reprinted to help the study of photography continue. This shows that he was a very giving person. He did whatever he could to help advance photography. He even  tested and pro moted the Polaroid Land camera, which he sent over 3,000 memos to Polaroid. Ansel Adams was dedicated to photography.

Scientific Hypothesis Examples

Scientific Hypothesis Examples A hypothesis represents an educated guess about what you think will happen, based on your observations. Before experimenting, you propose a hypothesis so that you can determine whether your prediction is supported. There are several ways you can state a hypothesis. The best hypothesis is one you can test and easily refute. Why would you want to disprove or discard your hypothesis? Its because this is the easiest way to demonstrate two factors are related. What are some examples of a hypothesis? Hypothesis Examples Hypothesis: All forks have three tines.Disproven if you find any fork with a different number of tines.Hypothesis: There is no relationship between smoking and lung cancer.While it is difficult to establish cause and effect in health issues, you can apply statistics to data to discredit this hypothesis or to support it, if the rates of lung cancer are the same between smokers and non-smokers.Hypothesis: Plants require liquid water to survive.Disproven if you find a plant that doesnt need it.Hypothesis: Cats do not show a paw preference (cat equivalent to being right- or left-handed).You could gather data about the number of times cats bat at a toy with either paw and analyze the data to determine whether cats, on the whole, favor one paw over the other. Be careful here, because individual cats, like people, might (or might not) express a preference.Hypothesis: If plants are watered with a 10% detergent solution, their growth will be negatively affected.Some people prefer to state a h ypothesis in an If, then format. An alternate hypothesis might be: Plant growth will be unaffected by water with a 10% detergent solution. What hypothesis would you use? Youre welcome to post a reply offering additional hypothesis examples or discussing the type of hypothesis you prefer to formulate and test.

Internet History Essays - Humancomputer Interaction, Free Essays

Internet History Essays - Humancomputer Interaction, Free Essays Internet History Starting out as a small military experiment some 35 years ago, the Internet is quickly becoming one of the most popular forms of communication. With a present population of about 40 million users world wide, it seems to have a very promising future. Uncensored and almost impossible to monitor, it's a breeding ground for all sorts of offensive and derogatory information. On the other hand, it is probably the biggest single source of data in the world brought home into your personal computer. Will this form of communication survive in the future, or will it simply die out like many others have in the past? History The first nodes of the Internet were built 36 years ago by the RAND corporation. They faced the problem of keeping communication between U.S. authorities active in the aftermath of a nuclear war. The country needed a command-and-control network. The biggest problem was protecting the main server, which could be knocked out by a single atomic warhead. RAND came up with the solution in 1964. The new network would have no central authority, and secondly, it would be designed to operate in shambles. " During the 60s, this intriguing concept of a decentralized, blastproof, packet-switching network was kicked around by RAND, MIT and UCLA. The National Physical Laboratory in Great Britain set up the first test network on these principles in 1968. Shortly afterward, the Pentagon's Advanced Research Projects Agency decided to fund a larger, more ambitious project in the USA. The nodes of the network were to be high-speed supercomputers (or what passed for supercomputers at the time). These were rare and valuable machines which were in real need of good solid networking, for the sake of national research- and-development projects." (Sterling 1-2) The first was put in place during the fall of 1969. By December of the same year four nodes were installed. They were connected by dedicated high-speed transmission lines. This allowed the computers to communicate and be programmed from one of the other computers. In the year of 1971 there were 15 nodes, and by 72 there were 37. This number kept increasing rapidly as the years passed. The network was also becoming more of a person to person way of communicating. Many military personnel began using it as a way to gossip with friends instead of a way to transmit documents and projects. This became even more evident in the following years. How it works The Internet may seem a very complex form of communication but that is not really the case. First, you must have a reasonably fast computer (80386 or higher) with a modem and a phone line. The next step is to contact your local Internet provider and get him to give you a password and an SLIP address. At this time you will also be given the software to get you started. All of this costs about 140 dollars, depending on how many hours you wish to purchase. "We charge using an hourly rate because it gives our users more flexibility with their time. When run on a monthly payment, you are limited to an hour a day, whereas with our system you can use any amount of time whenever you want" (Schulmeister). The costs are as follows: 10 hrs-$30.00 20 hrs-$50.00 40 hrs-$80.00 60 hrs-$90.00 Once you have your software installed and want to start "surfing the net," you must first login to the server (located at the Northwest Community College) by dialling in its phone number using a specific program. The two local numbers are 638-1543 and 638-1593. Even with the two numbers, the server is often busy because of the constantly increasing number of users in our area. These numbers can be used by a number of people at a time, not just two. Once connected to the college server, you travel down to a larger server in Vancouver, and from there you can access any other computer connected as long as your server has permission to do so. Diagram: How the Internet works Impact on Society The Internet is just starting to have a large impact on society. It seemed to come out of nowhere, popping up in magazines and on the news. The Internet is now becoming an influential communications medium to

A Cautionary Analysis of Transhumanist Philosophy Essay -- Philosophy

To understand many of the dangers and shortcomings of these technological ambitions, it is essential to first understand the philosophy which has become so synonymous with these efforts. Transhumanism can best be described as a philosophy which advocates the use of technology in order to improve not only the quality of life of human beings, but also their lifespan, mental capacity, and physical ability. In essence, transhumanism is a radical extension of humanism. Similar to humanists, transhumanists value â€Å"rational thinking, freedom, tolerance, democracy, and concern for our fellow human beings.† The major difference in the case of transhumanism, however, is the additional belief in improving not only the â€Å"human condition and the external world,† but the human species as a whole. When arguing for biological enhancements, transhumanists typically refer to a belief in the autonomy th ijntje Smits. â€Å"A European Approach to Human Enhancement.† Paper presented at the European Union Science and Technology Options Assessment workshop, Brussels, Belgium, February 24, 2009. http://www.europarl.europa.eu/stoa/events/workshop/20090224/background_en.pdf (accessed March 24, 2010). Aubrey de Grey, â€Å"The War on Aging.† In The Scientific Conquest of Death, edited by Bruce J. Klein, 29-45. Buenos Aires: LibrosEnRed, 2004. http://www.imminst.org/SCOD.pdf (accessed March 24, 2010). Andy Miah. â€Å"Be Very Afraid: Cyborg Athletes, Transhuman Ideals Posthumanity.† Jounral of Evolution Technology 13, no. 1. (October 2003), http://jetpress.org/volume13/miah.html (accessed March 24, 2010). Andy Miah. â€Å"Posthumanism: A Critical History.† In Medical Enhancement and Posthumanity, edited by Ruth Chadwick and Bert Gordjin, 71-94. Dordrecht: Springer Netherlands, 2009.

Comparing texas Research Paper Example | Topics and Well Written Essays - 750 words

Comparing texas - Research Paper Example Over the years the numbers have changed considerably in some categories whereas in others Texas seems to be doing considerably well. Take the category for ‘State Taxes’ for example. In 2009 Texas ranked as the 49th country whereas now it is occupies the 46th spot. Moving towards the education sector and state rankings we see Texas’s ‘high school graduate rate’ stands on the 41st spot among all states whereas in 2010 there is a decrease in this rate as Texas drops 2 ranks down and now occupies the 43rd number; showing that the high school graduate rate is dropped in the state or grown sufficiently in the other states. This fact surprised me considerably mostly because when you look at the category ‘Percent of Elementary/Secondary School Funding from State Revenue’, we see in 2009 Texas was on the 47th spot showing the low amount of funding being allocated to the education sector whereas there is a drastic improvement in this aspect as in 2 010 Texas now stands on the 37th spot; which would obviously relay the fact that more funds are being injected into the education sector and yet it is surprising that the high school graduate rate seems to have dropped. ... Obesity in children is an alarmingly increasing problem which is a growing challenge for all states Texas has done reasonably well in this category and I cannot help but feel a sense of pride and accomplishment at this feat. That being said ‘the percent of children living in poverty’ has gone up as Texas now ranks 4th which is 3 spots more than it did in 2009. Another area of concern is that of health care. Texas has consistently been ranked on top of the list of states with ‘percent of population uninsured.’ With very minor or no difference in their rank as far as health professionals per capita( Nurses, Physicians and registered nurses) are concerned. As far as the overall environment is concerned Texas seems to be doing considerably bad with no effective implementation of measures to improve the environment. This can be seen in they way Texas has ranked 1 in 2009 and 2011 as having the most amounts of ‘Air Pollution Emissions’, ‘Amount of Volatile Organic Compounds Released into Air’ and ‘Amount of Toxic Chemicals Released into Water’ The three major problems that can be identified by looking at the rankings for Texas over the years are those of: Healthcare, Environment and Education. In the healthcare sector, the category of ‘percent of population uninsured’ is a cause of great concern. In the education sector, the category of ‘high school graduate rate’ with Texas dropping from the 41st rank in 2009 to 43rd in 2010. As far as the environment is concerned, the numerous categories such as ‘air pollution emissions’, ‘amount of volatile organic compounds released into air’ and ‘amount of toxic chemicals released into water’ all seem to have Texas on the number

Key Points Essay Example | Topics and Well Written Essays - 250 words - 2

Key Points - Essay Example Firstly, the article highlights that the financial distress impairs the ability of banks and other financial institutions to generate liquidity and thus, take a precautious approach to building risk profile of their loans. It becomes difficult for small businesses to get access to credit from these institutions which can be major contributors to the recovery of the US economy. Eichengreen (2011) is of the view that recent financial crisis is much more severe as compared to the Great Depression as it is likely to the growth rates of advanced economies as these economies are highly credit driven. Secondly, the article highlights that there is a little evidence from the Great Depression suggesting that the increase in the public debt in the form of higher budget deficit and government borrowing actually contributes to the slowdown in the investment. Although, it is argued that over public debt leads to change in tax policies, and higher interest rates making investments unattractive but the evidences from the Great Depression period suggest that after it the public debt increased by more than double however, the interest rates were not high. Thirdly, Eichengreen (2011) presented evidence from the Great Depression period that the slowdown in the economy actually created opportunities for businesses to take advantage from and reorganize themselves in a way that they are able to create more value in the period of recovery following the depressed conditions in the economy. However, one aspect of recovery that is more relevant to the recent crisis mentioned in the article is the slowdown in technology generation and implementation which can surely have greater implications for the current

Quantitative Analysis of Business Coursework Example | Topics and Well Written Essays - 2000 words

Quantitative Analysis of Business - Coursework Example Determine the equations for each of the three constraints that are plotted on the attached â€Å"graph 1†, showing all work necessary to arrive at the equations.  Determine the equations for each of the three constraints that are plotted on the attached â€Å"graph 1†, showing all work necessary to arrive at the equations.  Identify each constraint as a minimum or maximum constraint.   The objective function is Z= 30X+72Y+90Subject to   7.5X + 7.5Y ≠¤ 30 (equation for Nutrient C)    6X + 12Y       ≠¤ 72 15X + 6Y ≠¤ 90          X ≠¥ 0, Y ≠¥ 0 Since the feasible region is below the constraints the constraints are minimum constraints. Determine the total contribution to profit, if the company produces a combination of cases of brand X and brand Y that lies on the purple objective function (profit line) as it is plotted on the attached â€Å"graph 1†.If the company chooses to produce a combination of brand X and Y as given in graph then the different combinations would be (0, 8), (1, 6.6), (2, 5.4), (3, 4), (4, 2.6), (5, 1.3), (6, 0). The contribution to profit at various combinations can be obtained using the objective function where profit= 30X+72Y+90 and substituting the value of X and Y for each set in this function we get profit for each combination.When the company produces 8 units of Brand Y and no Brand X the profit function is maximized (666). But this combination is outside the feasible region. So, the combination that gives maximum profit (468) to the producer within the optimal region is 3 units of X and 4 units of Y. The Total Contribution of Profit: The total contribution to profit which can be obtained by producing 3 units of brand X and 4 units of brand Y is 468 which is obtained by putting the values of X and Y in the profit

Financial Risk Essay Example | Topics and Well Written Essays - 2250 words

Financial Risk - Essay Example Both companies have carried out work in Africa, Asia, Australia, the United States and other parts of Europe. The company operates from offices in the UK and Spain and focuses on the development of residential properties. In the UK the company operates from 24 regional offices across England, Scotland and Wales (Taylor Wimpey 2011b). Over the years, the company has built a wide range of properties from one and two-bedroom apartments to five bedroom detached houses. In addition to its UK and Spain construction business Taylor Wimpey also operates two other businesses - Prestoplan and Taylor Wimpey Logistics (TWL). Prestoplan is the company’s timber frame solutions business which allows for the simplification of on-site construction while TWL is its supply chain logistics business that sources materials in bulk from suppliers ‘just in time’ for carrying out construction (Taylor Wimpey 2011c). The industries in which Taylor Wimpey competes include residential constru ction contractors, the construction sector, and residential real estate development (Hovers 2011). The company’s main competitors are Bellway plc which is located in Newcastle Upon Tyne in the UK and The Berkeley Group Holdings plc in Cobham, Surrey. 2.0 Financing Decisions According to Edum-Fotwe et al (1995) the construction industry in the UK has always experienced a high level of insolvencies when compared to other industries. One of the main causes of this is the improper use of cash resources (Chen et al 2010). It is therefore important that regular performance evaluation be carried out in order to determine the strategies to use in order to ensure survival. Financial analysis using a number of ratios therefore becomes important. Liquidity and solvency ratios look at the ability of a firm to pay to meet short-term and longer-term financial commitments as they fall due (BPP 2009). Financing decisions will affect Taylor Wimpey’s financial risk 2.1 Financial risk Ac cording to Holton (2004) risk as it is commonly used refers to both exposure and uncertainty, neither of which can be defined operationally. There are many different types of risk. However, this paper looks at financial risk. Financial risk is the risk that is associated with debt financing. This synonymous with Gabriel and Baker (1980) definition which states that financial risk is ‘the added variability of the net cash flows of the owners of equity that results from the fixed financial obligation associated with debt financing and leasing.’ It also involves the ‘risk of cash insolvency’ and has been extended to include the risk of not being able to fill obligations in relation to prior claims with the cash that the business generates Gabriel and Baker (1980). A firm’s ability to meet its obligations is determined by the level of its fixed obligations as well as its liquid resources (Gabriel and Baker 1980). It is the risk that a company will not be able to meet its financial commitments due to insufficient cash flows. It is the additional risk that shareholders face when debt is used in addition to equity capital. Financial risk arises as a result of various transactions of a financial nature including legal transactions, new projects, mergers and acquisitions, debt financing, and through the activities of management, stakeholders and competitors (Horcher 2005). Financial risks are associated with both short-term and lon

Don't Ask, Don't Tell, Against Gays Serving Openly in the Military Essay

Don't Ask, Don't Tell, Against Gays Serving Openly in the Military - Essay Example I think that gays should be allowed in military on the basis of certain reasons which are threat of spreading immorality, it’s being considered as an illness and violation of rule, â€Å"Don’t Ask, Don’t Tell†. Homosexuality is considered immoral due to which, gays should not be allowed to join military. According to General Peter Pace, homosexuality is an immoral act and the people who are homosexual should not be allowed to serve the military of the country, as they will spread immorality (Msnbc.com 2007). The military regards homosexuals as demoralizing agents that can have a negative impact on other military men that are heterosexual. Due to the demoralizing of the armed troops, the troops will be affected negatively due to which, their performance in wars will be influenced to a great extent and this influence will be disadvantageous for the country (Shawver, 1994). Biblically, homosexuality is considered immoral and a sign of corruption due to which, homosexuals should not be allowed in the military. The military life is hard and people have to keep themselves in order and disciplined. The military people are prepared to fight for the country and they should not have any immoral atti tude towards life. Homosexuality is considered an illness due to which, gays should be restricted to join army. US Department of Defense categorizes homosexuality as a â€Å"mental disorder† (Bernard, 2006). Homosexuality was previously considered a mental illness as it was enlisted in the mental illnesses list. Afterwards, it was removed from the list but then, the homosexuals were asked to do not expose themselves publically or they would be expelled from their jobs (Shawver, 1994). When a check is made on the exposition of homosexual orientation in terms of joining army, then it is quite clear that still, homosexuality is regarded as an

Quantitative Analysis of Business Coursework Example | Topics and Well Written Essays - 2000 words

Quantitative Analysis of Business - Coursework Example Determine the equations for each of the three constraints that are plotted on the attached â€Å"graph 1†, showing all work necessary to arrive at the equations.  Determine the equations for each of the three constraints that are plotted on the attached â€Å"graph 1†, showing all work necessary to arrive at the equations.  Identify each constraint as a minimum or maximum constraint.   The objective function is Z= 30X+72Y+90Subject to   7.5X + 7.5Y ≠¤ 30 (equation for Nutrient C)    6X + 12Y       ≠¤ 72 15X + 6Y ≠¤ 90          X ≠¥ 0, Y ≠¥ 0 Since the feasible region is below the constraints the constraints are minimum constraints. Determine the total contribution to profit, if the company produces a combination of cases of brand X and brand Y that lies on the purple objective function (profit line) as it is plotted on the attached â€Å"graph 1†.If the company chooses to produce a combination of brand X and Y as given in graph then the different combinations would be (0, 8), (1, 6.6), (2, 5.4), (3, 4), (4, 2.6), (5, 1.3), (6, 0). The contribution to profit at various combinations can be obtained using the objective function where profit= 30X+72Y+90 and substituting the value of X and Y for each set in this function we get profit for each combination.When the company produces 8 units of Brand Y and no Brand X the profit function is maximized (666). But this combination is outside the feasible region. So, the combination that gives maximum profit (468) to the producer within the optimal region is 3 units of X and 4 units of Y. The Total Contribution of Profit: The total contribution to profit which can be obtained by producing 3 units of brand X and 4 units of brand Y is 468 which is obtained by putting the values of X and Y in the profit

Don't Ask, Don't Tell, Against Gays Serving Openly in the Military Essay

Don't Ask, Don't Tell, Against Gays Serving Openly in the Military - Essay Example I think that gays should be allowed in military on the basis of certain reasons which are threat of spreading immorality, it’s being considered as an illness and violation of rule, â€Å"Don’t Ask, Don’t Tell†. Homosexuality is considered immoral due to which, gays should not be allowed to join military. According to General Peter Pace, homosexuality is an immoral act and the people who are homosexual should not be allowed to serve the military of the country, as they will spread immorality (Msnbc.com 2007). The military regards homosexuals as demoralizing agents that can have a negative impact on other military men that are heterosexual. Due to the demoralizing of the armed troops, the troops will be affected negatively due to which, their performance in wars will be influenced to a great extent and this influence will be disadvantageous for the country (Shawver, 1994). Biblically, homosexuality is considered immoral and a sign of corruption due to which, homosexuals should not be allowed in the military. The military life is hard and people have to keep themselves in order and disciplined. The military people are prepared to fight for the country and they should not have any immoral atti tude towards life. Homosexuality is considered an illness due to which, gays should be restricted to join army. US Department of Defense categorizes homosexuality as a â€Å"mental disorder† (Bernard, 2006). Homosexuality was previously considered a mental illness as it was enlisted in the mental illnesses list. Afterwards, it was removed from the list but then, the homosexuals were asked to do not expose themselves publically or they would be expelled from their jobs (Shawver, 1994). When a check is made on the exposition of homosexual orientation in terms of joining army, then it is quite clear that still, homosexuality is regarded as an

The Changes in Law Enforcement Essay Example for Free

The Changes in Law Enforcement Essay All together law enforcement has changed, but few see the drastic changes that have happened. Everyday, police and sheriffs are working to keep the people in their community safe. With improved technological advances and social changes, police and sheriffs are keeping a closer eye on things today. For example, improved weapons such as tasers have helped keep suspects safe, computers in police cruisers allow instant access of information of individuals. Other social changes, such as women allowed to join the police forces have helped law enforcement a lot with domestic violence cases because they are calmer then most men. No matter what happens police and the sheriffs will be there to protect and serve their community everyday of the year, both nighttime and daytime; crime never sleeps and neither does law enforcement. Police have been a part of society for many years. However, â€Å"police as we know them today – an armed force maintained by the state to perform the functions and paid a salary rather than a share of fines – are a rather recent phenomenon† (Miller). Police forces were formed in all major US cities during the latter half of the nineteenth century† (Miller). According to Miller, police in the United States developed â€Å"†¦from the British tradition†. Like in London, police duties were limited to patrolling and gradually increased into investigation. Police should have been established earlier then the nineteenth century but society may have not been ready for it. â€Å"At the time of their founding, the police were viewed not as an out-growth o f the state’s ability to make law but as a manifestation of its ability to use violence† (Miller). Most people today say that wasn’t the reason why society created the police. Law Enforcement has its purpose in society. â€Å"The purpose of Law Enforcement is to prevent, interdict, and investigate crimes and prosecute criminals† (Miller). One of the key duties of any police department is to deter crime by visible presence. â€Å"Over time, however, investigating and solving crimes has evolved into one of the most important functions of the police† (Miller). If police do not prosecute the criminals, then the criminals will continue to run the streets causing havoc and putting innocent people in danger. The investigation of crimes has not changed since the rise of the police in the mid nineteenth century, but the way in which they go about it has changed a great deal† (Miller). With the use of fingerprints, DNA and video surveillance, it is now easier to identify the suspects. â€Å"Once a suspect has been identified, the police must supply the state†™s attorney with sufficient evidence to prove the suspects guilt† (Miller). This helps to ensure that the correct person is prosecuted. Even today laws are being enforced but eventually they will get broken. Law Enforcement has drastically changed throughout its creation in the year of 1667. â€Å"Law Enforcement officers are facing a tougher environment today interacting with a greater diversity of people of many cultures, faiths, race and lifestyles† (St. Hilaire). People need to realize that the police are here to help them no matter what they believe in. â€Å"As many officers have experienced recently that we as a profession are receiving the frustrations of the public over many issues including hatred of our government† (St. Hilaire). Just because the government is not perfect does not mean that police do not want to help the public. â€Å"Some changes we may not have control over like shift schedules, assignments, the color of the uniform shirt and the outcome of other’s actions† (St. Hilaire). Obviously, the government cannot control what a police station does because if they change something it can put everything out of order. With everything that has happened, Law Enforcement has made itself worthy of serving the community. Another key change in Law Enforcement is the use of force. The Rodney King incident brought into question the use of force by law enforcement. â€Å"The King affair transformed basic practices of policing, not just in Los Angeles but across the country† (Deutsch). Many of the changes had been needed for years, but were never addressed. â€Å"The king beating and trial set in motion overdue reforms in the LAPD and that had a ripple effect of law enforcement throughout the country† (Deutsch). Since this had such a major effect on the lapd in almost destroyed their reputation. The Rodney King beating almost destroyed the reputation of the Los Angeles Police Department. In the aftermath of the Rodney king beating a lot of things changed with police on the field. â€Å"In the wake of the Rodney king case; cameras became standard equipment in patrol cars all over the nation† (Marcou). In doing this police now cannot cover up an incident that they were a part of. â€Å"As far as citizens recording police, there is still much disagreement about how it should be handled† (Marcou). Nowhere in the constitution does it say the citizens cannot film stuff that is happening outside their house. â€Å"When it comes to training, officers are told â€Å"have your camera going at all times.

Overview Of Electronic Funds Transfer Marketing Essay

Overview Of Electronic Funds Transfer Marketing Essay ABSTRACT My thesis is based on the E-banking technology in which consumers can acquire more perfect, more rapidly and quick banking services from the programmed banking system. This technology has also been implemented by the global banks as well as by banks in Pakistan to provide well-organized and efficient services to their privileged consumers. The objective of this thesis is conceded to unchain the importance that Pakistani banks are associated with this form of e-banking technology that is being executed by the banks for providing the electronic services to the consumers and in what degree this technology is significant to customers. This research work will also aid to conclude whether the e-banking services are more perfect, more rapidly and quick banking services. CHAPTER 1 INTRODUCTION AND BACKGROUND 1.1 INTRODUCTION When Internet has entered into our daily life, the most dimensions of our lives such as education, communication, business, etc, were overshadowed by this novel phenomenon. One of these dimensions is to handle banking affairs through the Internet (Shirali Shahreza, 2007). According to (Richard Nyangosi Arora, Sumanjeet Singh, 2009) banking through electronic channels has gained much popularity in recent years. This system, popularly known as e-banking, provides faster delivery of banking services to a wide range of customers. Information technology is becoming an important factor in the future development of financial services industry, and especially in banking industry (Nami. M. R, 2009). In current business environments, customers using the services products of the banks want better choice. (Avkiran, 1999) stressed the importance of the human touch in the customer services. The capability of banking staff can be expected to directly affect the customers satisfaction. However, e-banking technologies can help in better understanding customers needs and customizing the services/ products according to their needs. In the new era there is a need of bank customers to get improved electronic banking services and also better relations with the bankers. It is also the need of time to provide efficient services/products to the customers. In Pakistan however, such kind of electronic banking has started recently. Online banking system present to their consumers a set of information-related benefits that favors to adopt e-banking, including the facility for the customers to control their bank accounts at any time and any place, and to access information content for making investment and financing decisions (Howcroft B, 2002). Due to the competition among the banks in Pakistan, the banks want to provide the services, which are more efficient, rapid and enhanced the banking system. Therefore, the objective of e-banking is to create such working environment where customers can easily find about the information they require for performing financial transactions. 1.1.1 Definition of E-Banking Electronic banking, known as Electronic Funds Transfer (EFT), it is basically the use of electronic methods or means to transfer money electronically directly from one account to another account, rather than cash or cheque. We can use electronic funds transfer for: 1. We can withdraw money by an ATM machine with a personal identification number (PIN), for our convenience at day or night. We can guide our bank or credit union to pay automatically monthly utility bills from our account, or our auto loan even our mortgage payment. 2. We can buy food, fuel for our personal transport, and other goods at the purchasing point, using a credit card rather than cash. 3. We can use a prepaid smart card embedded for our daily purchasing like pay phone, toll expenses, daily college expense or any bookstores. 1.2 BACKGROUND The increasingly change in worldwide competitiveness in commercial behaviors has improved the volume of bank in the world. It has produced additional banking knowledge and also improved customer demand of services given by banks. This revolution has set a motion in the banking sector for the provision of a payment system that is compatible with the demands of the electronic market (Balachandher, 2001). On the behalf of increased competition, many banks and organization did not only reduce their costs but they have also increased their products. Technology has changed the preconditions for service delivery, dramatically in recent years (Fredriksson, 2003). The banks are the financial institutions to provide consumers savings services, money transmission services and credit services (Sinkey, 1990). In other terms, banks are concerned with safe transaction and collection of management functions. In this regard the main object of the banks is to making profits and giving best services to their customers. Customers are eager to a banks behavior because the customers are the most significant cause of a banks deposit and revenue creation. These customers may either be a single person or group of a person or organization. According to (Chaudhury Kuilboer, 2002) the potential of providing innovative services over the Web is limited only by ones imagination. Online services, especially banking services, are becoming more attractive and alternative to visiting service outlets or phone call centers for increasing their customers. Therefore it become easy for the customers to prefer online services (Szymanski Hise, 2000), feel more in control of the service process (Bateson, 2000) to avoid from human contact with time saving (Meuter M.L. 2000). In Pakistan however, banking organizations have been focused on censure for not given to their customers with original and suitable banking services. Therefore, the outcome that some customers, find it suitable to keep their money or reserves at home than the banks. Studies will carry out by two famous banks working in Pakistan, which have researched and applied computerized technology for the delivery of banking services. Although, banking administration has delayed to execute computer technology in banking exercises. A number of studies have concluded that IT has positive effects on bank services delivery to customers, bank productivity, cashiers work, banking transaction and banking investment. So, these have positive effects on the growth of banking system (Balachandher, 2001). In addition, delivery the high quality services is a way for the banking to improve their relationships with their customers. By the Delivering high quality services, banks can achieve customer satisfaction and through customer satisfaction banks can gain loyal customers (Grà ¶nroos, 2000). Because of the highly undifferentiated services and products, financial organizations specifically banks become main tool for competing in this marketplace (Kim J.K, Han, Choi Kim S.H. 1998). Much research has been done about the quality of services and customer requirements in the traditional banking environment, where personal interaction between the customers and the bank employees takes place (Oppewal Vriens, 2000). Therefore, this is very important for the online banking services providers to become more capable about the customers perceptions of the online banking services quality. On the other hand the customers also have more expectations and demand when they are using e-banking services either the services are satisfactory or not. Because it is quite easier for customers to evaluate and compare the benefits of competing services (Santos, 2003). 1.3 PROBLEMS DISCUSSION The study about e-banking adaptation has gained special attention during the last decade as for instance; banking journals have devoted special issues on the topic (Waite Harrison, 2002). There were a lot of grievances over the delays in traditional banking services, withdrawals and delay in processing. Time is money but the customers have to wait for a long time of their turn in the bank for any banking facility. Some time even from a remote area a customer has to travel to the concerned branch for any kind of transaction. On the closing hours it becomes more harmful if anyone want make a business deal for payment. Having the computerized operations and automated teller machine; it has made it easy that the banks would activate their e-units to support the online banking services. In Pakistan, manual-banking system was performing below standard services to the customers and it may be affected on the customers support. Transactions of the money from one manual bank to the other can take five to ten days. Some time, when the purpose of transferring the money has almost dead. Sometimes businessmen have to cancel their business deals due to the unavailability of the cash transferring facility in time in traditional banking system where services are as slow as non-secure, non-satisfactory. In order to satisfy customers needs, many banks build their set up through web sites and Internet that provide the services and information to customers and the better service can help to get higher profitability. With the studies of IT in substantial, that would put a positive effect on bank productivity, cashiers work, banking transaction, bank support, and delivery of bank service. These have positive effects on the growth of banking (Yasuharu, 2003). Now Pakistan Telecommunication Company Limited is providing broadband, which has enabled the customers to adopt the e-services instead of manual banking because these are much efficient and accurate. In Pakistan there is low literacy rate of workingwoman that are in service. But now young educated generation especially woman are trying to get jobs and taking part in nation building and economy and they have to use the banking services. Therefore the e-banking services will help and satisfy them regarding their expectations for efficient, accurate services. Recently, many local banks in Pakistan have used the online services as a new market channel to offer their customers a variety of services 24 hours a day. This e-banking, compared to traditional banking, heavily involves non-human interactions between customers and online bank information systems (Furst, Lang Nolle, 2002). When the customer evaluate of the e-banking service they received from Banks, then their satisfaction depends on website features/user interface design (Doll Torkzadeh, 1988) and that can be important to analyze the designed features of banking services delivered to the customers. 1.4 STUDY PURPOSE The purpose of this study is to establish the important that how the customers fond the concept and carry out e-banking services and to determine whether the utilization from the e-banking services, make more efficient, accurate and in time of banking services and also to make a variety and excellence between automated and a manual or ordinary Banking systems. To comprehend electronic Banking system in the context of Pakistan by the way of an analysis on the factors that manipulates customers favorable reception of electronic banking services. Particularly to consider the services and products associated with ordinary banking and e-banking with their fast, rapid, efficient, enhanced are more useful methods and to provide the customers to recognize the online banking services. It is to identify the significant aspects that shape the customers view about electronic service and features and the outcome of these services on customers satisfaction in Pakistani banking sector. The current study offers and considers a model to explain how ease, rapid, efficient operation, security, enhanced reliability and reaction positively and meaningfully affect customers awareness of e- services and how these manipulates the customers satisfaction. The leading issues pay attention in the study of e-banking customers to recognize the necessary dimensions of e-service provided by the banks. The study of the literature exposes the convenience, efficient operation, security and privacy, reliability with rapidness, and responsiveness with enhanced methods of e-banking service factors. These dimensions share many general facets of those quality determinants originated within the context of traditional service industries by earlier research (Parasuraman D. Grewal, 2000). Alternatively, these dimensions have their distinct attributes inherent in automated service quality environment (Al-Hiwari ward, 2006). The convenience dimension refers to ease of use and accessibility of the service at all times. The customers prefer flexibility to meet their financial needs at all times, which affect their perception of the e service quality (Gerrard Cunningham, 2003). Lio Cheung, 2002 found that accessibility positively determines perception of quality of service. (Lockettt Litter, 1997) and (Moutinho Goode, 1995) established that time utility is a major contributor of customers perception of e service quality. A lot of studies mentioned that the location e-service delivery is a strong driver of customers perception of e service quality (Aldlaigan Buttle, 2002; Almossawi, 2001; Levesque McDougall, 1996). The second dimension of e-service quality, efficient operation, relates to efficient and speedy operation of these services. Efficient in operations enhances the resources for the customers. Customers accord priority to user-friendliness of ATM. (White Nteli 2004) found that efficient and faster delivery has positive effect on customers perception for quality. Dilijonas, D.; Kriksciun ien, D.; Sakalauskas, V Simutis, R. 2009 argues that minimum breakdown of machines constitutes the essential aspect of e-service feature. (Al-Hawari ward, 2006) talks about the efficient ATM functions positively affect the customers perception of service quality. The element of consistency and dependability describes accurate and assured service at all times. Online users want to obtain the right quantity and right feature of service at all times, as promised by the banks. The literature provides strong support that rapidness, efficient and enhanced are essential determinants of customers perceived service quality and positively relates to customersà ¢Ã¢â€š ¬Ã… ¸ use of online services (Fassnacht Koese, 2006; Polatoglu Ekin, 2001). The responsiveness aspect of e-service quality relates to the ability of the bank staff to provide the agreed services timely, accurately, dependably, and promptly. Customers prefer to resolve their complaints expeditiously (Karjaluoto, Mattila Pento, 2002). Prior studies indicate that responsiveness is crucial to sustain service quality and facilitates to build long-term relationship between service provider and the customers (Bauer, Falk Hammer Schmidt, 2006; Long McMillan, 2004). The research results will reflect a positive and strong relationship between online service quality and customers satisfaction. 1.5 BENEFITS OF E-BANKING The e-banking services open seven days a week and 24 hours a day. To decrease the cost-line and no need of physical bank branches To create more deep collection  for consumers needs and expectations. Terms of services to customers for their personal choices. Easy access for all. With the e-banking money can easily be get within no time from ATM machine. In current time E-banking has open out rapidly all over the world. Almost all Banks are making much use of E-banking amenities to offer good services. The extension of E-banking has also significantly advantaged the normal customer in all purposes. 1.5.1 Benefits from the customers point of view Common customers have been much affected in an optimistic manner by E-banking. A lot of ordinary tasks have been fully computerized resulting in much ease and reliable. The main benefit from the customers point of view is major time saving by the computerized of banking services as well as online processing and an easy maintenance tools for managing customers money. Some other key benefits of e-banking for customers are as follows (BankAway, 2001; Gurău, 2002). Decreased costs in operating and using the banking e-services. Increased relief and timesaving operation can be made 24 hours a day, without consulting with the bank. Rapid and enhanced access to information. Organizations or customers will have much easy access to get information as, they can check on several accounts on click of a button. Improved cash management. E-banking services speed up cash cycle and enhance the efficiency of business operations, as large types of cash management methods are available by e banking. Decrease costs in terms using the different e-banking products and services Rapidness the reply of services is very fast therefore the customers can actually wait till the last minute before final fund transfer transaction. Customers can take their history of different funds management Consumers account is particularly accessible with in online account. Consumers can withdraw money at any time through ATMs that are now generally available all over the country. With withdrawing money, customers can also take mini banks statements, account balance on ATMs. Through online banking consumers can control their account while sitting in his office or in home. No need to go in the bank personally for such matters. E-banking has also provided the facility in payment of utility bills. There is no need to stand in long queues for these matters. All these services are generally available at bank website. The development of credit card and its usage also owes significantly to E-banking. Now a customer can purchase anything worldwide without moving paper money with him. Banking services are available 24 hours a day; seven days a week or they are only a mouse click away. 1.5.2 Benefits from the bank point of view Banking industry has also various benefits due to the development of E-Banking procedure. Some are mentioned as below. The core benefits for the banking point of view is that e-banking services are better response to the market. The main purpose of every financial organization is to boost up the profits for its vendors. Online banking services offer ideal chances for increasing the profits. Some clarifications for this pricing plan can be proposed Banks receive extra profits on transactions completed via electronic channels.The abundance of payments is not a main concern for banks. Cross subsidization in special services groups is used, for instance, profits from loan activity balance poor abundance from payment services. The development of E-banking has much helped the banks in minimizing their overheads charges and service cost. Many services and dull tasks have now been fully computerized and in better Efficiency and good time usage. The growth of E-banking has made banks more economical. It has also led to growth of banking industry, commencing of new opportunities for banking processes. E-banking has reduced the paper work in banking industry, thus give them to work with paper less environment. E-banking has also provided facility to bank in proper records and documentation of the transactions. The e-banking capabilities of computer networks, like as the Internet, are much better than any branch network. 1.6 ADVANTAGES AND DISADVANTAGES OF E-BANKING With the fame of the Internet growing progressively, many industries are discovering new and attractive method to make it appealing medium to keep up with the continually altering preferences of clients. Nowadays, we can do almost everything over the Internet like shopping for home goods, business deals, contact with friends and so on. The Internet has apparently nonstop possibilities for the banking industry. Most of us have known about online banking services, and more than a majority has perhaps not even tried it yet. Some of us are feeling more relax and easy to work with real people, paper work and money instead of its virtual complement. At last there are a many advantages and disadvantages of online banking services. In this study there will be outline of good side as well as the bad side of online banking services. That you can feel online banking is safer way to manage your transactions and you can be overcome your fears. 1.6.1 Advantages Online banking is very suitable and convenient. It allows people to pay their bills and make transactions anytime during any time of the day and in the week. E-banking system never closes any time because people can access it through internet. There will be no matter in which country you are or anywhere in the world. Customers can make online transaction and handle your finances with conveniently. Secondly, e-banking services are very rapid, effective, enhanced and efficient. E-banking system also gives the option of transaction making in the different bank accounts from a website. Mostly e-banking websites are compatible with programs like Microsoft infrastructure, which makes organizations assets more valuable. 1.6.2 Disadvantages There are also some disadvantages in e-banking services. The main problem is that most people do not trust the transaction performed on online and almost wonder whether they did the right thing? Of course, people more relax and feel easy to find printing the transaction receipts of their transactions. The receipt will confirm them whether or not their transaction has gone successfully. For beginner e-banking can be difficult to learn and some time website could take time to start up. Some websites ask for identification, which can be very inconvenient for the new comers in e-banking. People like talking in person-to-person in case of any difficulty or problem. They like the personal touch like customer service and these kinds of people do not feel comfortable with e-banking. 1.7 ELECTRONIC BANKING IN PAKISTAN Electronic banking is the most recent in the line of technological aspects of the recent past in Pakistan. ATMs, mobile Banking, Credit Cards and Debit Cards, Internet Banking, Cyber Cash have come forward as useful delivery channels for usual banking services and products. In Pakistan, MCB RBS took as a pioneer to introduce ATMs and credit cards in the mid 1990s. The Annual Report of SBP (2003: p. 110) mentioned this delayed access of electronic banking by regulatory hurdles; much costs for startup, reforms on-going banking sector and lack of technological knowledge. The e-banking promoted with the circulation of the Electronic Transaction Ordinance 2002 by the Government of Pakistan. This attraction facilitates legal respect of digital signatures the risks associated, reducing documentation with the exercise of electronic technology in business. In current situation, almost all Pakistani commercial banks have their own setup and networks, they issuing debit and credit cards and have joined collectively in operating ATM Switch Networks with each others. As according to (Kolachi, 2006) Pakistani banks offers the following online banking services and products to their customers. Inquiry:  Account balance inquiry, Account statement inquiry, fixed deposit inquiry, Check statement inquiry Payment:  Credit and Debit cards payments, Transfer of funds, Utility bills payments and direct payments. Request:  Demand draft requests, Stop payment requests, Cheque/Check book requests, New fixed deposit requests Download:  Statement download, download Customer profile, other information and guidelines. The Annual Report (2009, p. 111) of SBP explains that domestic banks are the foremost provider of ATM facilities while foreign banks, like ABN AMRO Bank, Standard Chartered, and Citibank control the credit card business in Pakistan and over 95% of the total amount of transactions. 1.8 RESEARCH QUESTION The research question is in the sense that, the endurance of any e-banking system based on the large extent that depends on the banks ability to maintain and attract customers by offering modern and technologically enhanced banking services and products. Investigate between customer perception of e-services and the services environment in Pakistan. In order to understand and to be accomplishing the purpose, the research question of the study defined as follows: To what extent E-banking System is more efficient, rapid and offers enhanced opportunities compared with ordinary banking system in Pakistan?