Essay on The Three Elements of the Female Athlete Triad

The Three Elements of the Female Athlete Triad For an increasing number of women in the United States, a concern or preoccupation with body weight and size is a constant pressure. Female athletes, like most women in our society, are also often pressured to conform to certain ideal body sizes and shapes, as dictated by the entertainment and fashion industries. Female athletes, however, face a twofold pressure. They face the burden that our culture places on all women to be thin, but they also face the burden from coaches, parents, and other athletes to succeed in sports and look good doing so by maintaining an unrealistically low weight. When weight gain means removal from a team or elimination from competition, many female athletes turn†¦show more content†¦This term refers to a wide range of abnormal behaviors, the extremes of which are anorexia nervosa and bulimia nervosa, but also includes limiting caloric intake, skipping meals, using diet pills, and many other pathogenic weight control behaviors. Having stated these limitations, there are a number of studies which do in fact indicate that female athletes struggle more with eating disorders than average females. Studies report that the rate of disordered eating among female athletes may be as high as 62% in certain sports (Yeager, Agostini, Nattiv, and Drinkwater, 1993). While a study of college female swimmers found 15.4% were affected, a study of college gymnasts showed that 62% of collegiate female athletes had seriously abnormal eating patterns. Smith (1996) found that disordered eating is most common among those in appearance sports, such as gymnastics, ballet, figure skating, equestrian sports, and diving. However, disordered eating behavior can be seen in other sports in which appearance is not as important, such as tennis, swimming, and running. Skolnick (1993) also notes that another study of 182 female athletes, who participated in a variety of college sports, found that 32% showed disordered eating patterns. Margot Putukian, MD (1998 ) reports in Clinics in Sports Medicine that a study of college athletes found 32% practiced some form of pathogenic weight control behavior, and 70% believed their behavior was harmless. A study by Rush,Show MoreRelatedFemale Athlete Triad Essay1955 Words   |  8 PagesThe female athlete triad is a health condition in which active women experience three inter-related disorders due to unhealthy body weight and eating habits. 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The Shattered Glass Of Dreams And Reality - 2375 Words

Do you know how life is suppose to be one huge adventure? You start out as just a innocent child who is learning and growing as the years go on? You go to school, you go to parties, you get drunk, you fall in love for the first time and you get your heart broken. You graduate, you go to University and you get a diploma. You get a well paying job or your dream career and finally settle down with the love of your life and build a beautiful family. You learn and grow even more with your children, before sending them off into the real world. You grow old together, remembering all the wild and fun times you had, the first time you saw each other and your wedding day. Then you peacefully go to rest, pain free and surrounded by your loved ones. Thats how its suppose go isn t it? I thought so too, but now I see everything differently, a different perspective on life. I see the shattered glass of dreams and reality that life really is. - I didn t have a bad home life. I actually had one of the best families you could ask for. No we don’t live in a massive mansion or are insanely wealthy. We are a average family and it just works. We live just outside Port Land, in a modest house that leads off into a forest. My Dad works as a accountant at the local Law Firm and my Mum teaches 9th Grade English. They where high school sweet hearts, never had another relationship in their lives. Seems weird, I know, but 21 years on they are still so in love its sickly. Sure they have had theirShow MoreRelated Tom’s closing speech in The Glass Menagerie Essay example1008 Words   |  5 PagesTom’s closing speech in The Glass Menagerie Tom’s closing speech in The Glass Menagerie is very emotional and ironic. However, this monologue is somewhat ambiguous and doesn’t implicitly state whether Tom found the adventure he sought. It seems as though he never returned to St. Louis, and spent the remainder of his life wandering from place to place. 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Strategic Analysis (SWOT, Porter, PESTEL) of Barclays Group PLC Free Essays

string(36) " mobile banking and online banking\." 1. Introduction 1.1Background Barclays group PLC is a big global financial provider operating in Europe, America, Australia, Asia, Middle East and Africa, which is engaged in retail banking, credit cards, corporate banking, investment banking, and wealth management. We will write a custom essay sample on Strategic Analysis (SWOT, Porter, PESTEL) of Barclays Group PLC or any similar topic only for you Order Now It made up Global Retail Banking, Corporate and Investment Banking, Wealth Management, each of which has a number of business units. And the group centre, which comprises all Barclays essential support. With 300 years of historical existence, the group operates through its subsidiary Barclays Bank PLC, in over 50 countries and has 147,500 employees and a merger with Absa group in South Africa. The group practices integrated global banking model to serve its customers and clients as well as optimising risk adjusted returns for its shareholders. Thus, it moves, lends, invest and protects money for more than 38 million customers and clients worldwide. It is the third largest bank in the world in terms of assets and the one of the largest financial services provider in the world with a core tier one ratio of 11 per cent. It is the third largest bank in the United Kingdom (UK) based on market capitalization, with headquarters at 1 Churchill Place in London, England, having moved there in May 2005 from Lombard Street in London. 1.2Purpose and Objectives The group purpose is to make available products as well as services to help the customers to achieve their financial goals that would in turn lead to economic growth. To attain this, the plan focused on the following objectives: A safer and more secure financial system. A banking industry that is equipped to support the needs of the global economy. The ability of the suppliers of financial capital to earn a positive return on their capital. Demonstrating its credentials as a good citizen To achieve these objectives, the plan entails analysis of the market environments of the bank and identified strategies designed to bring success. Then follow by the implantation and control mechanisms aimed at ensuring that the desired results are achieved. www.barclays.com 2.Analysis of the Market Environment 2.1External Analysis This analysis focus on the macro-environment, the market and the competitors of Barclays, to identify its opportunities and threats. According to Porter (1985), PESTLC analysis ensures that the performance of the company is aligned positively with the powerful forces of change that are affecting business macro-environment. Hence, it groups environmental influences such as political, economic, social, technological, legal and cultural forces impact on the bank. The United Kingdom (UK) population which currently stands at approximately 70million, with a slide increase in immigration, independency and dependency ratios. A shift in population always affects economic growth, thus affect the bank. Increased in UK employment rate of 70.6 per cent, about 25.3million households, and a consistent downward strength of divorce and dissolution (of about 121,700 to 113,900), influences the bank’s performance. This increase brings about economic competitiveness and high circulation of money, thus fuelling the economic growth of the country. UK is a multicultural society which entails co-existence of different communities defined by their race, ethnicity or faith. So sociocultural environment is diverse and dynamic, which implies the bank need to stay in touch with the social and cultural shifts. The science, engineering and technological, and entrepreneurial cultures made UK economically successful, thus, impacting a positive change on the bank’s performance. http//www.statistics.gov.uk, www.ons.gov.uk, www.oup.com/uk 2.1.1 Macro-environment 2.1.1.1 Cultural and Social 2.1.1.2 Political and Legal Unstable regulatory environment in UK. Regulation to give political donation as part of their democracy support to the major South African parties. Political stability in UK, Europe, United States, Asian (India) and southern part of Africa, influences the group’s growth. The new Basel rules on bank capital which requires all banks to hold top quality core tier one capital equal to 10 per cent of their assets, adjusted for risk. (19:09/ financial times/6th June 2011). The Project Merlin Agreement which states that UK’s biggest banks are committed to lending more money in 2011, especially to small businesses, to pay less in bonuses than they did last year and to be more transparent about their pay packages. (15:42, BBC Business News, 9 February 2011). Plan to increase bank levy to 2.5billions pounds this year-raising an extra of 800million pounds, will be a threat on Barclays bank PLC.(18:04,BBC Business News,8 February 2011). Direct and indirect taxes levied. Recovery of national recessionary period and increased in employment rate. http://www.bbc.co.uk/news/business/13758784. 2.1.1.3 Economic Increase in UK gross domestic product by 0.5percent. Inflation is steadily held on Consumer Prices Index at (CPI) 4.5 per cent and Retail Prices Index (RPI) at 5.2 per cent in May 2011. UK retails sales fall to 1.4 per cent in May and interest rates have been kept at the record low of 0.5 per cent again this year, by the Bank of England’s Monetary Policy Committee. UK unemployment fell 88,000 in the three months to April this year to 2.43 million, the biggest drop since the summer of 2000. The value of the average home in UK, rose by 0.1% from April to May 2011 to ?160,519, but prices were 4.2% lower than the same period a year ago. The European Central Bank signaled rise in Eurozone interest rate in July 2011, from 1.25 per cent. Inflation in the Eurozone is 2.7% while euro falls to 1.44880 dollars against the US dollar in the first quarter 2011. High inflation in China and India in 2011 while Japan is in recession. Increase loan rates and consumer prices in Korea. Middle East and North Africa unrest affecting the Dubai-based Dnata, emirates aviation industry. Import costs in developing countries rising by up to 30 per cent as a result of high oil prices and shortfalls in production due to bad weather which have contributed to higher food prices. Jersey tax information exchange agreements with 17 of the G20 countries. http://www.bbc.co.uk/news/business-13758784, http://www.ft.com 2.1.1.4Technological New telecommunication systems, including fibre optic telecommunication and Internet to facilitate mobile banking and online banking. You read "Strategic Analysis (SWOT, Porter, PESTEL) of Barclays Group PLC" in category "Essay examples" Global launch of the next generation financial kiosks such as NCR SelfServ 4 which is a cashless kiosk, ideal for non-cash transactions such as appointment check-in and account services and SelfServ 8 features cash-deposit capability suitable for bill payments, equipped with touchscreen technology, the machines are loaded with NCR APTRA software applications that are PCI and EMV compliant. New technology such as Mix-and-Match software for 3D digital signage and kiosks SWIFT code to facilitate the international payment system in banks. ATMs are currently in operation at all the local commercial banks. Global increase in computer literacy and easy access to computer More half of the global population is computer literate and has access to internet services. http://selfserviceworld.com/research and http://www.bnet.com/library 2.1.3 Competition Analysis The group’s major competitors are HSBC bank, Bank of America, BBVA, BNP Paribas bank, Credit Suisse, Deutsche Bank, JP Morgan, Morgan Stanley, RBS, Lloyds TSB bank, Santander bank, NatWest bank, Societe Generale and UniCredit. i.HSBC Bank Strengths: HSBC bank is the first top bank in the world with the largest profit in the first quarter of 2011(4,153 billions dollars). High trust and credibility in emerging markets such as China, thus, enjoys large economies of scale in its fast growing economy. A good online saving account offering competitive rates with no monthly fees or minimum balance requirements, opened as little as with one dollar and money is FDIC insured to the maximum permitted by law. Weaknesses: HSBC decision to reduce its long- term return on equity target to 12-15 per cent from 15-20 per cent leaves its investors disgruntled. Insufficient trained staffs, thus less customer-driven. Decreased in production and loyalty from its staffs due to redundancy programme. ii.Royal Bank of Scotland Strengths Owns leading franchises in domestic market. Highly centralised local branches in target markets as well as excellent customer services offered. Sufficient number of well placed ATMs in target markets. Weaknesses High loan losses affecting profitability and capitalization. Excess growth of loan over deposits impacting liquidity. Inefficient and ineffective operation management affecting margins. http://managementoday.co.uk/news, http://www.bbc.co.uk/news/business and http:/www.hsbc.com 2.2 Internal Analysis The internal analysis focused on the bank’s performance and its internal environmental factors such as its management, staff and infrastructures, in order to identify its strengths and weaknesses. 2.2.1Performance From Barclays annual report 2011(www.barclays.co.uk), the Barclays group PLC has more solid positions on capital with 11 per cent core tier one ratio (10.8 per cent Q4 2010), and a liquidity pool of 161 billion pounds than they started last year. While group’s adjusted gross leverage is maintained at 20 times and impairment is down 39 per cent considerably, giving the group’s first quarter (Q1) 2011, a loan loss rate of 76bps (Q1 2010:112bps). See Appendix. Adjusted profit before tax of the group, excluding own credit and gains on acquisitions and disposals this year, up to 10 per cent to 2,004 millions pounds (8 per cent in 2010). Excluding own credit, return on equity increased to 10.1 per cent (9.3 per cent Q4 2010), return on tangible equity increased to 12.1 per cent (11.4 per cent Q4 2010), and return on risk weighted assets increased to 1.5 per cent from 1.4 per cent in Q4 of 2010. (See appendix). Increased in gross new lending to UK house holds and businesses amounted to 9.9 billions pounds indicates improvement on 2010 year ended amount of 43 billions pounds gross new lending plus 7.5 billions pounds of UK loans gotten from the acquisition of Standard Life Bank at the beginning of the year 2010. The Q1 2011 dividend of 1.0 pound per share, with earnings per share of 8.5 pounds. Over 2010, the group ranked in the top quartile Total Shareholder Returns (TSR) of its global competitors, this position is progressively maintained in the Q1 2011 implies good performance indicating good management by objectives this year. www.barclaysannualreport.com 2.2.2Management and Staff The management is made up of thirteen highly skilled and qualified directors and has 147,500 staff and senior executives. Most of the staff are young and have the requisite capabilities, and are re-trainable for newer systems and technology. The remuneration Committee provides governance and strategic control of remuneration, human resource activities and senior management development. The Committee’s objective in relation to remuneration is to motivate its employees towards excellence in business and personal performance by offering incentives, attract and retain employees of ability and experience. Staff is encouraged to part take in share option and share purchase schemes and have a substantial sum invested in Barclay’s shares. Staff is kept informed of matters of concern to them in many ways, such as business unit news magazines, intranets, briefings and mobile phone SMS messaging. These communications facilitate the achievement of a common awareness among employees. Staffs share their views and feedback on issues that matters to them. Periodic employee Opinion Surveys results reported to the Board, all employees and to its European Works Council, Africa Forum, its recognised union in the UK and other recognised unions worldwide. Road shows and employee forums also take place. In addition, regular and formal consultations with its recognised trade unions and work councils internationally. www.barclays.co.uk 2.2.3Infrastructure and Delivery The group is investing heavily in infrastructures in order to perfect its client services and better reach to its global customers and clients, explains why the group is facing high operating costs. www.barclays.co.uk 3. SWOT Analysis The SWOT Analysis identified the opportunities, threats, strengths and weaknesses of the bank, as follows: 3.1 Strengths: The world’s third largest bank in terms of assets, with a core tier one ratio of 11 per cent. Barclays Corporate has been named Lender of the Year at the 2011 Health Investor Award for the third time. The group has an effective data management and first bank to produce statements in colours. Barclays Egypt Award for business continuity despite the recent country’s civil unrest. The Awards for Excellence 2011 won by Barclays community investment programme in Katine, Uganda. The group’s brand is unique, historically built and promoted continuously through its good citizenship such as sponsorship of Premier League football. The group enjoys large economies of scales and spread of risks as a result of its global presence. Barclays Capital ranked number two overall in Risk magazine’s survey of institutional investor clients. Double win for Barclays at UK Moneyfacts Awards Distinct technological innovations, for example, it introduced the first credit card ever used in the market in 1966, and mobile banking. Acquisition and incorporation of Egg’s credit card customers in to the Barclaycard portfolio. The group leadership team has very little customer-centric view, thus explains why they always have a lot of customer complaints especially from its UK retail banking that is poor customer services. Poor earnings performance in the first quarter fueled criticism about executive pay packages in Barclays capital, the investment banking unit where pretax profit fell 33 per cent in the first quarter 2011. Less attractive shares due to low earnings performance. The bank branches are not well centralized within the high streets of UK unlike RBS and NatWest banks which are everywhere in the streets. Online banking and telephone banking are complicated to access. High interest rates on loans and low interest rates on savings accounts. Recent launch of the high street’s first two-year flexible bond giving savers a competitive rate and the flexibility to withdraw up to 30 per cent of the balance without incurring any charges. Telephone banking with Barclays Wealth international offers secure, personal and private services, being the fast and friendly way to deal with day-to-day banking request unlike other banks. Barclays Bank has a strong competitive advantage as it is among the top three banks in many African countries, including Ghana, Nigeria, Kenya, Zambia and Mauritius, thanks to its merger with Absa Group Ltd in South Africa. Emerging markets in Africa and Asia Pacific. Barclays Capital strengthens prime services management by recently appointing ten managing directors. Its strategy of full global diverse services provides the group a wide range of cross-selling opportunities. 3.2 Weaknesses 3.3Opportunities 3.4Threats The recent Merlin agreement that required the availability of appropriate capital and resources by the banks to support gross new lending of 190 billions pounds, should demand materialize. The recent strike threat at Highland airports could hit Barclays Scottish Open at Castle Stuart. Varied government legislations in its global markets. Recent consideration by the Independent Commission on Banking, to split retail and investment banking operations. High financial risk exposure due to its global operation nature. Increasing competition and threats in the banking industry from other companies such as the new Japanese bank called Mizuho which is building in London to find new avenue for growth. www.barclays.co.uk, www.fm.co.za/articles, www.dailyrecord.co.uk/news, www.bbc.co.uk/news/business, www.belfasttelegraph.co.uk/businessnews , www.e-customer-satisfaction.com/rev . 4. Customer Analysis 4.1 Markets The bank has branches in the UK as well as operations throughout Europe, Africa, Middle East, Asia and America. The market stakeholders consist of the governments, other public Sector bodies, corporate entities, insurance companies, professionals, public servants, pensioners, teachers, students and national residents in the above market segments. www.barclays.com 4.2 Market Segmentation Market segmentation is the splitting up of a market into different groups of customers with distinctly similar needs and product/service requirements. There is now widespread agreement that market segmentation form an important foundation for successful marketing strategies and activities. (Wind, 1978; Hooley and Saunders 1993).It implies it ensures that the elements of the marketing mix namely; price, distribution, products and promotion, are designed to meet particular needs of different customers. Barclays group divides its market into different geographic units such as nations, states, regions, cities or streets. For example Barclays bank PLC Zambia. The group also uses demographic segmentation to split its market in to groups on the basis of variables such as age, family size, family life cycle, gender, income, occupation, education, generation, nationality, religion, and social class. This type of segmentation is easy to measure and enables the bank to identify the right product offer to meet the specific needs of customers and improve its customer perceived offerings. For example, improvements of student account offer such as no monthly fee, an interest-free overdraft facility up to 2,000 pounds from opening the account. www.barclays.com 4.3 Market Targeting Barclays bank PLC uses the differentiated targeting approach which recognizes that there are several market segments to target, each being attractive to the marketing organization. As such, to exploit markets, a marketing strategy is developed for each segment. For example, Barclays targeted the student market segment in UK, and its rationale for acquiring students was that there was an opportunity to establish a long-term relationship with students and, to target a new customer annually. The bank uses effective segmentation assessment criteria such as ensuring that its various market segments are measurable, substantial, accessible, differentiable and actionable, ensure a segment is useful for targeting. 4.4 Market Positioning Market positioning is the act of designing the company’s offering and image to occupy a distinctive place in the minds of the target market. (A.Ries and J.Trout, 2000). The main purpose of positioning is to build the bank’s brands in the minds of the customers in order to maximize potential benefit to the bank. Kotler (1997) argued that â€Å"Positioning is the act of designing the company’s offering and image so that they occupy a meaningful and distinct competitive position in the target customers’ minds†. Therefore, positioning is all about how customers judge a product’s attribute relative to that of its competitors, and its ability to deliver against the promises made. The bank has applied a good positioning of its brands to target markets. For example, Barclays found that an incentive offering mobile broadband would have the most appeal to students, the bank partnered with orange to offer 25 percent discount on its mobile broadband schemes to those who signed up for a Barclays student account. It also established a working group to oversee the new student proposition such as no monthly fees, an interest-free overdraft, free debit cards, mobile phone banking and a net work of local branches. This is to build its brands in the minds of its target customers by effectively and efficiently meeting their needs. Orange and Barclaycard recently launch ‘Quick Tap’ – the UK’s first contactless mobile phone payments service, allowing consumers to make purchases on the high street using their mobile phone  · Customers can make purchases ?15 and under nationwide by simply tapping their Quick Tap mobile handset against a contactless reader at over 50,000 stores. Hence, the group has good positioning strategies. 4.5 Branding Branding is a means to distinguish the products or services of one company from those of another. (K. Moore and Reid, 2006). Therefore, a brand is a logo, name, symbol, design or image, or any combination of these, which is designed to identify the product or service. Its slogan â€Å"Take one small step† garnishes its branding. Barclays group does branding of its products/services with respect to its target customers needs. The group has different brands such as Barclaycard and its contactless mobile payment brand , online banking, offshore banking and investment, UK premier and personal banking, business banking, Barclays corporate, international banking services, Barclays capital and Barclays wealth. www.barclays.com/product and services, www.oup.com/uk/orc , 5. Marketing Strategies 5.1 Mission The mission of the Barclays group is to make available products as well as services to help the customers to achieve their financial goals that would in turn lead to economic growth as well as increased employment. 5.2 Marketing objectives Customer and client driven, that is putting their needs first so as to develop a long term sustainable business. Aims to meet clients’ needs while establishing a business with different sources of revenue, business segments, customers and clients, and geographic exposure. Aims to serve clients across all their needs through a wide range of distribution channels. To effectively managed the risks taken by its clients. Ensures financial discipline required to deliver returns is retained. Demonstrates the group’s wider value to society both globally and in every community it serves. 5.3 Financial objectives Operating within its capital resources Generating returns in excess of its cost of equity Sustaining growth in selected market and geographies. www.barclaysannualreport.com 5.2.1 Supply strategies Barclaycard and orange newly developed â€Å"Quick Tap† contactless mobile payment service which allows consumers to make purchases on the high street using their mobile phone for the very first time. Barclaycard is providing Orange customers with ?10 cash added to their account upon activation, and 10% cash back on all Quick Tap purchases made in the first three months. Barclays Capital, the investment banking division of Barclays Bank PLC, recently announced the launch of the Algorithmic Inflation Momentum Switching (AIMS) index, designed to generate excess returns from the US inflation market. The reason being that market participants switch from nominal bonds to TIPS when concerned about inflation. Barclays Wealth international offers discounted international online payments to investment and mortgage advice from our specialist advisers. It provides you with immediate access to your money as well as control over your day-to-day spending wherever you are. www.barclays.com 5.2.2 Demand Strategies Target students and matured wealthy Nationals returning home or resident locally, including doctors, lawyers, managers, entrepreneurs and retired persons. Product differentiation so as to gain competitive advantages in the market. Frequent adjusted slogan to continuously build its brand image. 5.2.3 Positioning strategies The bank is currently perceived to have a poor customer services compared to its peer group that is their service offering and quality are not very much outstanding as portraits by its branding. So the bank’s aim is to also move to the top position for service offering and service quality through its innovative product developments and improved service quality so as to defend its strong brand image. Ensures effective data management is improved. 5.2.4 Competitors Strategies Improve the quality of customer services by training staff. Increasely promote ATMs, online banking, Barclaycards and telephone banking services that will provide greater convenience to customers. Offer unique innovative Barclays Wealth-management and Barclays Capital products/services that will attract the target markets.www.barclays.com 5.3 Marketing Mix Strategies 5.3.1 Product Barclays offers personal banking and credit card facilities through Barclaycard to customers. The products and services for personal customers include: bank accounts (from entry-level through to premier), a range of credit cards through Barclaycard, saving accounts, loans, insurance, online banking and mortgages through Woolwich. The also offers corporate and business banking, investment banking and Wealth management -which focuses on private and intermediary clients worldwide, providing international and private banking, investment management, fiduciary services, and brokerage. The group ensures these products and services are always available to satisfy customer needs. www.barclays.com 5.3.2 Price The group ensures the prices are affordable with respect to the target customers. For example, no monthly fees, interest –free overdraft and 25% discount on its mobile broadband schemes to those who signed up for a Barclays student account. Also a discounted international online payment to investment. www.barclays.com 5.3.3 Place The bank positions its product and services in such a way that they are be accessible at customers convenience such as Barclays replacement debit card delivered to customer’s home in two working days, availability of Quick Tap contactless reader at over 50,000stores. Mobile phone banking and increase in a network of local branches. ATMs at strategic locations throughout the country. Increase franchises. 5.3.4 Promotion Word-of-mouth campaign, literature in branches, TV advertisements, sponsorships, business magazines and news papers, and bill boards. Online advertising on website and direct mail to prospective students. Phone prospective customers or visit them at their residents or place of business to sell products and services to them Develop an advertising campaign programs targeting the selected groups of customers. 5.3.5 Personnel and Services Develop a performance appraisal system that will allow for feedback throughout the fiscal year which determines annual salary increments and the quarterly bonuses such as travelling allowances, reward for sales volumes in order to motivate staff. Recruit more people that possess the required skills for the tasks available and provide each of them with a job description setting out clearly the job expectations and goals, as well as the required job-related behaviors. Offer good training to both existing and current staff for the job required task. Improve on customers services by training both top management staff and subordinates to be customer-centric. www.marketingweek.co.uk/opinion/barclays , and www.barclays.com/products and services. 6. Channel analysis Barclays bank uses the following ways to reach its customers through its multichannel routes such as franchises and strategic alliances such as; Absa group. Through telephones, ATMs, contactless payment cards and visa debit cards. The bank has about 1,900 branches in the UK as well as operations throughout Europe, Africa, the Middle East, and the US. Also plans to improve on the centralization of its branches within each target market. Increase the number of its local branches within the high streets of UK, such as Universities areas. www.barclays.com 7. Implementation and Control Barclays group supports a marketing oriented culture to provide market perceived offering that meets customer’s expectations by placing a strong emphasis on its market research (SWOT and PESTLC analysis) to discover the data of its market context, customer requirements, competitors activities, the most appropriate way to run their channel operations (distribution and marketing communications) The group has ten existing skillful directors and two current directors, all assigned to manage each of the products and services business units efficiently and effectively with the help of 147,500 employees through management by objective. The budget holders who are top management will be given incentives, so as to hit and improve both their sales forecast and profit targets. The group headquarters management foster and encourage creativity and innovation through out the business while ensuring effective risks management and financial discipline is in control. www.barclays.com 8. Financial Forecast  · Target return on equity of 13 per cent by 2013  · Income growth between 4.3 and 6.4 billion pounds in 2013 relative to 2010. www.barclaysannualreport.com 9. Contingency plans Invest more in multichannel platform such as; success performance in mobile banking and online investment platform. Effectively and efficiently focus on productivity and innovations Ensures customer sovereignty is in place by staying close to them and effectively managing their risks. 10. Conclusion I have taken a critical look in to the situation faced by Barclays group PLC such as its objectives, and goal (13 percent returns on equity by 2013 and income growth of) the group expected to achieved. While taken in to consideration its strengths, weaknesses, threats and opportunities sorted out by the use of SWOT and PESTLC analysis, as well as competitors’ analysis, and its marketing strategies on execution. I am emphasizing on top management and staffs, to stop doing market skimming and be more customer-centric when making decisions and executing strategies as well as carrying out effective and efficient implementation and control in order to reach desired target. References How to cite Strategic Analysis (SWOT, Porter, PESTEL) of Barclays Group PLC, Essay examples

England in An Inspector Calls Essay Example For Students

England in An Inspector Calls Essay In the play An Inspector Calls, there is a great deal of information concerning the situation of England in 1912. Priestley has used various methods to show the audience, such as making certain characters mouthpieces; the roles of certain characters are important as well. In this essay, I am going to explore and evaluate several of these techniques.  Priestley has used Inspector Goole as a way to convey the nature of 1912 in England. The character of the Inspector is somehow out of place in the era the play is set in. His name is a homophone of the word ghoul; this suggests that he is a mysterious or even supernatural character. One of his purposes in the play is to act as a catalyst for the exposure of the Birlings households immorality. He does this by several methods, such as interviewing each person individually to create pressure. He also keeps reminding the household of Eva Smiths death in detail. One example of this can be found in Act 1, page 11, where he tells the family of Evas death. At the end of the sentence he adds, Burnt her inside out, of course- revealing gruesome detail. This is to increase the guilty conscience of the family, which partially works. Both Sheila and Eric were horrified whilst their parents just said its none of their business. His view on society is very different to Mr Birlings conceptions. In Act 3 page 56, he states that We dont live aloneWe are responsible for each other. He means that everyone needs to look after each other, no matter what class theyre in or what political view they have ( such as supporting socialism or capitalism). This is very different from Mr Birlings views as he feels that a man has to mind his own business and look after himself and his own, which is exactly the opposite of Inspector Gooles thoughts. The Inspector also says that if mankind does not learn their lesson, it will suffer in fire, blood and anguish. This probably implies (with hindsight), the two major world wars that are looming in the future. Overall, the Inspector not only makes the Birlings confess their involvement in Evas death but act as a mouthpiece for socialists at that time. The character of Sheila is created by Priestley to represent the new and next generation of people. She is different to the previous generation (her parents) due to her alternative view of the lower classes. Here she represents those who sympathises the people of the working class. An example of this can be found in Act 1, page 19, Sheila makes a remark about how the young women of the working class are treated. She exclaims, But these girls arent cheap labour-theyre people. This quotation shows that she has empathy for these people and regards them as equals, unlike her parents. She feels that she had a part to play in Evas death and accept the facts, unlike her parents who are ignorant and deny any connections with the girl. Sheila also represents many new attitudes and behaviours for women at that time. Firstly she has stopped supporting and sticking up for her parents, whereas in that era, it is common for children to follow and respect their parents. She shows us this by constantly interfering with her parents words of denial towards the inspector. In her case, she rebels thus showing the reader a new breed of more independent women that were showing up in Britain. Another area she could represent is the rise of feminism at that time. In the beginning of the play she is shown as a spoilt and self-centred young girl. In the wake of Eva Smiths death she changes those attitudes into a more shameful and responsible manner. This change of personality represents the new attitude adopted by certain members of the public about the attitudes in which the lower class were treated in 1912 England. .u057fc25b06e4b9a6829269b4924bbb37 , .u057fc25b06e4b9a6829269b4924bbb37 .postImageUrl , .u057fc25b06e4b9a6829269b4924bbb37 .centered-text-area { min-height: 80px; position: relative; } .u057fc25b06e4b9a6829269b4924bbb37 , .u057fc25b06e4b9a6829269b4924bbb37:hover , .u057fc25b06e4b9a6829269b4924bbb37:visited , .u057fc25b06e4b9a6829269b4924bbb37:active { border:0!important; } .u057fc25b06e4b9a6829269b4924bbb37 .clearfix:after { content: ""; display: table; clear: both; } .u057fc25b06e4b9a6829269b4924bbb37 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u057fc25b06e4b9a6829269b4924bbb37:active , .u057fc25b06e4b9a6829269b4924bbb37:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u057fc25b06e4b9a6829269b4924bbb37 .centered-text-area { width: 100%; position: relative ; } .u057fc25b06e4b9a6829269b4924bbb37 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u057fc25b06e4b9a6829269b4924bbb37 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u057fc25b06e4b9a6829269b4924bbb37 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u057fc25b06e4b9a6829269b4924bbb37:hover .ctaButton { background-color: #34495E!important; } .u057fc25b06e4b9a6829269b4924bbb37 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u057fc25b06e4b9a6829269b4924bbb37 .u057fc25b06e4b9a6829269b4924bbb37-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u057fc25b06e4b9a6829269b4924bbb37:after { content: ""; display: block; clear: both; } READ: Blood Brothers - The Narrator EssayAnother factor she shows about 1912 England is the new idea of marriage. Here, she decides to pull out of her engagement with Gerald. This is seen in Act 2 page 40. She says just before she hands back his ring, But just in case you forgot-or decide not to come back youd better take this with you. This act shows the idea of women having more freedom and say over marriage in that era. Data from the past have shown that the divorce rate and cases of unhappy marriage were common in 1920s. The after dinner speech of Mr Birling on pg 6 and 7 shows us a great deal about the nature of 1912 society in England. The main reason why Priestley wrote this sequence was to empathize the factors he criticizes about the upper-class in 1912 such as they were old-fashioned and snobbish. Here, Mr Birling talks about new technology and new attitudes in society. Most of the speech contains his opinions and views; these represent the attitudes of the upper class at that era. Ironically, most of his statements turn out to be false. An example of this is his conception of the ship, the Titanic. In his speech, he states that the ship was unsinkable whereas with hindsight, the ship did actually sunk when it hit an iceberg. As Priestley wrote this play in 1945, he already knew of the disaster. The attitude of Mr Birling symbolises the pompous and arrogant belief of the rich upper class. One other comment he makes is his prediction of the future, which will have peace and prosperity and rapid progress everywhere except of course in Russia. This is also partially ironic as there is no peace and prosperity in the world in the future, but only two World Wars in the future. The Great War will start 2 years after the suppose setting of the play (around 1912). He correctly predicted the dark times in Russia, such as its revolution that successfully overthrew the Tsars. This remark shows the reader about the rise of socialism and communism in that era and how the upper-class rejected and hated its ideology-due to the fact that everyone was regarded as equal in wealth and having no class system. We can see that Mr Birlings remark about Russia is quite offensive due to the reaction of his wife; who responded by saying Arthur! Additionally this makes it sounds like Mr Birling has just spoken a very personal opinion to everyone. In the speech, he also mentions his dislike for left wing sympathisers, in which he mentions two famous individuals- H.G Wells and Bernard Shaw. This was the era that saw a rise of works that comment on politics and there was a greater deal of freedom of speech. The main plot of this play is about the apparent death of Eva Smith. The character of Eva Smith in the play represents the lower working class of that era. Her name implies that she belongs to this class due to her surname. The name, Smith, is a very common British surname, thus crediting her as a normal citizen. Her Christian name, however, is unique; the name Eva is quite similar to the name Eve. Eve is also the name of the first woman created by God according to Biblical teaching. This may show she is one of the first women to rebel and go on strike. In a wider sense, it can represent an era where the lower class started to speak out more and become more active. In 1912, this was very unusual, as the protest was run by women (who had no rights whatsoever). Eva can also represent more than one person. .u1d4a98991310119a420161344b210cf5 , .u1d4a98991310119a420161344b210cf5 .postImageUrl , .u1d4a98991310119a420161344b210cf5 .centered-text-area { min-height: 80px; position: relative; } .u1d4a98991310119a420161344b210cf5 , .u1d4a98991310119a420161344b210cf5:hover , .u1d4a98991310119a420161344b210cf5:visited , .u1d4a98991310119a420161344b210cf5:active { border:0!important; } .u1d4a98991310119a420161344b210cf5 .clearfix:after { content: ""; display: table; clear: both; } .u1d4a98991310119a420161344b210cf5 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u1d4a98991310119a420161344b210cf5:active , .u1d4a98991310119a420161344b210cf5:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u1d4a98991310119a420161344b210cf5 .centered-text-area { width: 100%; position: relative ; } .u1d4a98991310119a420161344b210cf5 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u1d4a98991310119a420161344b210cf5 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u1d4a98991310119a420161344b210cf5 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u1d4a98991310119a420161344b210cf5:hover .ctaButton { background-color: #34495E!important; } .u1d4a98991310119a420161344b210cf5 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u1d4a98991310119a420161344b210cf5 .u1d4a98991310119a420161344b210cf5-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u1d4a98991310119a420161344b210cf5:after { content: ""; display: block; clear: both; } READ: Dramatic section EssayNear the end of the play in Act 3, pg 56, Inspector Goole comments, One Eva Smith has gone- but there are millions and millions of Eva Smith. This implies that there are many like her in the world who are also in a position similar to hers. Eva also had worked in a brothel as a prostitute; also know as the woman of the town. The thought of visiting such areas were seen as morally wrong but many upper class people still do, such as Aldermand Meggarty (who was a very respectable man working in the town hall). After she is kicked out by Mr Birling from the factory and by Sheila from the shop, she turns to Gerald for help. Here, she becomes his mistress, which was seen as unsuitable upon that era; although certain people did have them but did not publicly admit it or refuse to talk about the matter. Her involvement with Eric produced another moral panic, the thought of having sex before marriage-, which was seen as a taboo. All of these actions were against moral standards at the time but there were some who regularly practice them anyway. This is why Priestley has created the character of Eva- to use her actions as a symbol of all the immorality the upper-class were secretly hiding and to expose them to the audience of the play. Overall, there are two themes in which Priestley tried to bring out to the audience; one is that there was a lot of hypocrisy contained in the upper-class. They make disdainful comments on acts such as one having mistresses and sex before marriage whilst some indulge in these practise themselves. Another theme in this play he points out is the treatment of the class system. The story of Eva Smith reflects on the attitude the rich had on the poor in the era, which caused a great deal of inequality. Priestley put some of his own views in the play with the most important one as being everyone has to look out and support one another, which is leaning towards the idea of socialism (a popular ideology in the 1910s).

Wretched misery Essay Example For Students

Wretched misery Essay Loneliness is by far the most painful emotion experienced in the novel. With reference to at least two characters show how this is reflected within the novel? In Frankenstein, all of the key characters experience loneliness, this shows that it exists for a variety of reasons. This indicates its significance in the novel and exhibits the numerous reasons through the happenings of the central characters. When Mary Shelley was young, she felt alone as a child, as did two of her characters, Walton and the monster. However, it must be acknowledged that society imposed isolation on the monster and because of Victors actions whereas it was self inflicted with Walton. Through certain devices, Shelley presents the agony of a character and compels us to sympathize as she explores the effects, both physical and emotional, of dissociation. The circular structure that Frankenstein was written in aids us to understand the outcome of burdened misery of being companionless. Walton begins the novel with a series of letters to his sister, Mrs. We will write a custom essay on Wretched misery specifically for you for only $16.38 $13.9/page Order now Sarville, as he attempts to keep in contact with the people he loves and cares for. Since his position on the ship is of a high rank, this leaves Walton feeling friendless as there is a distance among him and the other members of his crew. However, the reader must recognize that this was done through Waltons own choice, for his passion of finding a land never before imprinted by the foot of man and ideals. The letters also provide minor characters with a voice and give the reader an insight to what the character feels. As we witness no response from Mrs. Sarville, we can only assume this is done because Shelley tries to show that women of this era could not respond with thoughts of their own as it was a male dominated world. This also builds up our sympathy for Walton. I have no friend and I desire the company of a man are short simple sentences which repeat and expose the idea of isolation, however, from background knowledge mentioned in the letter, it is understood that Walton is self educated and has always had a life of solitude. Through hyperbole, Shelley encourages our sympathy for Walton. When Victor enters Waltons life, it is shown that Walton believes that Victor and he have distinct similar qualities and also believes that he will befriend Victor, therefore justifying his over reaction to this interesting guest upon his boat. Another character that experiences desolation is the monster which Victor Frankenstein created. However, society rejects him because of his grotesque appearance, although it is seen because of Victor choosing to abandon his creation, that he is imposed upon a life of wretched misery. From the beginning of chapter eleven, the monster narrates and tells Victor what has happened since the day of Victors abandonment. Certain terminology that the monster uses makes us believe that he is utterly tormented by his hideous appearance and the thought of his accursed creator angers him. This is also revealed through the use of exclamation marks, short phrases such as seizing and save and protect me! when asking De Lacey to accept and protect him. The readers benefit from the circular structure of the novel as we have an insight to the monsters feelings during his narration. As we see, he is a victim of isolation because of Victor. The monster has a time where he learns from Felix and his family, and longed to join them but dared not. This cultivates more sympathy for the monster as we now witness the monsters sensitive side as the monster realizes he inflicted pain upon the cottagers and attempted to aid them by collecting a sufficient amount of wood for the consumption of several days. Both Walton and the monster experience loneliness, Shelley presents this in a multiple ways which expose the reader to all the characters experiences of forlornness and signals of desperation.

Wretched misery Essay Example For Students

Wretched misery Essay Loneliness is by far the most painful emotion experienced in the novel. With reference to at least two characters show how this is reflected within the novel? In Frankenstein, all of the key characters experience loneliness, this shows that it exists for a variety of reasons. This indicates its significance in the novel and exhibits the numerous reasons through the happenings of the central characters. When Mary Shelley was young, she felt alone as a child, as did two of her characters, Walton and the monster. However, it must be acknowledged that society imposed isolation on the monster and because of Victors actions whereas it was self inflicted with Walton. Through certain devices, Shelley presents the agony of a character and compels us to sympathize as she explores the effects, both physical and emotional, of dissociation. The circular structure that Frankenstein was written in aids us to understand the outcome of burdened misery of being companionless. Walton begins the novel with a series of letters to his sister, Mrs. We will write a custom essay on Wretched misery specifically for you for only $16.38 $13.9/page Order now Sarville, as he attempts to keep in contact with the people he loves and cares for. Since his position on the ship is of a high rank, this leaves Walton feeling friendless as there is a distance among him and the other members of his crew. However, the reader must recognize that this was done through Waltons own choice, for his passion of finding a land never before imprinted by the foot of man and ideals. The letters also provide minor characters with a voice and give the reader an insight to what the character feels. As we witness no response from Mrs. Sarville, we can only assume this is done because Shelley tries to show that women of this era could not respond with thoughts of their own as it was a male dominated world. This also builds up our sympathy for Walton. I have no friend and I desire the company of a man are short simple sentences which repeat and expose the idea of isolation, however, from background knowledge mentioned in the letter, it is understood that Walton is self educated and has always had a life of solitude. Through hyperbole, Shelley encourages our sympathy for Walton. When Victor enters Waltons life, it is shown that Walton believes that Victor and he have distinct similar qualities and also believes that he will befriend Victor, therefore justifying his over reaction to this interesting guest upon his boat. Another character that experiences desolation is the monster which Victor Frankenstein created. However, society rejects him because of his grotesque appearance, although it is seen because of Victor choosing to abandon his creation, that he is imposed upon a life of wretched misery. From the beginning of chapter eleven, the monster narrates and tells Victor what has happened since the day of Victors abandonment. Certain terminology that the monster uses makes us believe that he is utterly tormented by his hideous appearance and the thought of his accursed creator angers him. This is also revealed through the use of exclamation marks, short phrases such as seizing and save and protect me! when asking De Lacey to accept and protect him. The readers benefit from the circular structure of the novel as we have an insight to the monsters feelings during his narration. As we see, he is a victim of isolation because of Victor. The monster has a time where he learns from Felix and his family, and longed to join them but dared not. This cultivates more sympathy for the monster as we now witness the monsters sensitive side as the monster realizes he inflicted pain upon the cottagers and attempted to aid them by collecting a sufficient amount of wood for the consumption of several days. Both Walton and the monster experience loneliness, Shelley presents this in a multiple ways which expose the reader to all the characters experiences of forlornness and signals of desperation.

American Well Essays

American Well Essays American Well Essay American Well Essay Should American Well go ahead with its core product online care? Explain Why it should or should not. If yes, then how should it do it? American Well should go ahead with its core product Online Care because of the following reasons: a. Technology is one of the strengths they have harnessed in implementing Online Care and this can further serve to block competition in the future b. They had the first mover advantage and progress In this segment with maximum customer satisfaction will provide American Well the opportunity to become the definitive leader In Online Care c. No age investment or hiring of resources will be required to continue the operations d. If they fail in this venture (their first and core product) none of their extensions would then have a potential to capture the market e. They had good financial support of many sophisticated and angel investors f. Managerial expertise of both Did and Roy in handling this sector and their previous track record in this area Is an advantage which they can leverage while marketing this product g. Market demand of such a product was huge as according to a survey of 2006, 74% of the respondents wanted such a service h. Value proposed to all the players with this service created a win-win situation for all and hence growth in this segment was inevitable. Health insurance companies could save $3. 36 per patient per month (Exhibit 9) and patients too could exercise choice and convenience According to Exhibit 1 1 (selected cities also shown above), Boston, Los Angels and Washington DC has the highest average time new patients Walt for appointment with family practice physicians (62, 58, 30 days respectively). This Is a great opportunity for American Well to transfer this segment of people who still go for family practitioners to online health care segment by helping them to utilize their time efficiently and cater to their health needs immediately. Hence, National Roll-out Plan of its core product by starting off with these cities will be a great plan to progress in its core product and emerge as a leader In the near future. Should American well go ahead with Team Edition? Explain why or why it shouldnt. If yes, then how should it go about implementing the additional service? Based on our analysis, we feel Team Edition is the natural extension of the existing services of American Well. The service involves moving ahead the typical PC and patient interaction over internet and Involving the specialist in the online space as well without any additional costs. This key feature has the capability to serve as a differentiator for American Well as the market competition in the online healthcare space is high and hence differentiation is of utmost importance. For American Well, offering Team Edition is a good value proposition as it allows the company to add an additional service in its offerings at no substantial additional costs (the technology platform developed for the core service can be modified to include Team Edition as Furthermore, issues pertaining to acceptance are negligible as customers are already well versed with the technology platform and comfortable with the same For its core customer segment of health insurance companies, the add on feature is highly beneficial major because of two reasons: First, additional cost savings for the companies would be substantial due to early detection of certain medical problems hereby reducing coverage for patients (as patients can immediately take the opinion of the specialists, it results in early detection and thereby reduces long term insurance coverage) Second, having Team Edition as an additional option for their insurance packages would place them as a much more attractive option f or Employer groups/multinational corporations and institutions as the range of services offered are broader But, we have also observed that its core product has not adequately achieved the desired market penetration and there is a lot of room for the core revere to grow (see exhibit 2 below). Although, American Well has taken steps to improve the situation by striking deals with more health insurance companies to further promote and create acceptance of their online care service. Hence, American Well should definitely consider launching Team Edition but it should only do so after it has adequately catered to the demand for its core product in cities where patient waiting times for Pops are high. Cities such as Boston, Los Angels and Washington DC) The company should then subsequently go for an aggressive launch of Team Edition in cities such as Miami (see exhibit 1 and 2) where the patient waiting times for specialists are high and the demand for its core product has been satisfied. Doing so, the company can capitalize on its add-on service and gain additional profits as in such markets, the feature will serve as a key differentiator. Based on the above data, we can conclude that for cities such as Miami, Seattle, Portland, Dallas and Philadelphia, Team Edition can be launched as the average patient waiting times for APP or Pops is much lower as compared to other cities Should American Well go ahead with the new customer segment? Explain Why and How? The new customer segment for American Well consists of hospital, health clinic, pharmacy. For Hospital Opportunities Out of the 5500 hospitals (where total expenditure in 2008 was $718. 4 billion, which is approximately 30. 72% of the total expenditure), 5000 hospitals are already service enabling interaction between health care provider with physicians as well as sharing medical data). Also Relay Health ,another competitor of AM already working with 50 Hospitals Similarly, Cisco Teleconferences collaborated with 600,000 physicians (which are approximately 60. 60% of the total physicians in U. S. ) through these hospitals. Another competitor Mediation already tapped 28,000 physicians for providing their service Recommendation Since very less opportunity is left for AM (8. 18% of the whole market) to penetrate into hospital market. So they should not focus on hospital segment. Retail clinics opportunities: Retail clinic is consisting of 147,000 nursing practitioners. Also from exhibit 2, it is evident that approximately 24% ($561. Billion) of the total expenditure is spent on Physicians, clinical, and other professional services There is no competitor present in the market Since retail clinic is untapped market, so there is a good market opportunity for American Well to cater. American Well can add value to patients to get a second opinion in retail clinic immediately with a physician online if they wish or if the NP is not able to address patients issue Since Nurse practitioners are highest level clinical staff at retail clinic, offering accesses to physicians would boost the perception of astigmatic of the clinic Pharmacy opportunities: From exhibit 2, pharmacy expenditure consists of approximately 10% ($234. 1 billion) of the total expenditure in 2008. So we can conclude that pharmacy market has got huge potential. No competitor is yet present in this segment. American Well could target the pharmacy market. It can provide pharmacists the facility to interact with patients online and answer queries of the patients regarding the drugs. Since, it is again an untapped market, which has huge potential; American Well could play a leading role and get benefit out of the service. Should American Well go international? Explain on why it should do so and how decision on going international Pros Customers in Australia, Germany and United Kingdom are interested in availing their services Exposure to international markets and recognition worldwide Cons It will require extensive changes in the American Wells Organizational structure It may require them to customize their product based on the needs, governing policies and regulations of different countries There is risk involved in diverting resources room the current market in which they are not fully developed to new international markets which will need substantial investments Based on the pros and cons associated with the decision, best course of action would be in the following order: Nationwide roll-out of Online Care: After an analysis of the data provided for the waiting time of the patients to meet their physicians in various cities of US, we have concluded that the services should be rolled out in cities like Boston, Los Angels and Washington D . C where the wait time is relatively high and hence it would help capture a larger market share Launch of Team Edition in established markets: Given the data regarding the waiting time of the patients to meet specialists, rolling out Team Edition in cities such as Miami where the companys services are well established would be a competitive advantage for American Well Launch products in International markets: To expand internationally American well need to completely re-organize the company structure and enter into partnerships with different companies in different countries. It will be possible only after company establishes itself as market leader in home market first

Module 3 Assessing a Research Study Term Paper Example | Topics and Well Written Essays - 750 words

Module 3 Assessing a Research Study - Term Paper Example The research article uses materials that have been written, discussing the progress that has been made in the medical or healthcare sector, because of the use of EMR services and software, as a way of addressing the research question. Thus, the use of literature review is used to pursue and underscore the logical relationship between the dependent variable (return on investment analysis [ROI]) and independent variable (the emergence and use of EMR technology). 2. The sample size comprises healthcare organizations that deal in endocrinology, general surgery, orthopedics, cardiology, nephrology, podiatry, ophthalmology, urology, occupational medicine, dermatology, allergy and immunology, family practice and gastroenterology. 5. The article clearly illustrates how the returns on investments (ROI) have progressed before and after the advent or use of EMR services (reliability). This includes the presentation of actual figures, and percentages of increased productivity (validity). Two-way Analysis of Variance: it is clear that in the research, statistical data have been used to describe the manner in which a given categorical and independent variable affects different dependent variables. Indeed, the researcher, Dr. Sindhwani makes conclusion to the effect that the advent or use of EMR technology has radically increased all the aforementioned and tested elements of ROI in healthcare / medical institutions. Dr. Sindhwani as the researcher explores (remotely) the control of extraneous variables by acknowledging the place of other relatable technologies such as Smart-phones, their preponderance and an increased knack for accurate coding as factors that will spur onwards, EMR’s returns on investments. In the study, Dr. Sindhwani finds out that the use of EMR has significantly increased the tested elements of returns on investment (ROI). Particularly, Dr. Sindhwani is categorical that charting increased from 0.5 to 1 (50%

Advertising and Promotion ( MKTG420 Assignment Example | Topics and Well Written Essays - 4500 words

Advertising and Promotion ( MKTG420 - Assignment Example It is of considerable importance to highlight that this technology propelled development has resulted in the process of global transformation, where the entire world is increasingly seen and represented as a well connected single global entity. As a result of the technology based transformation of the globe, there has always been a continuous evolution of various kinds of globalization trends. The trends of globalization are emerging from all corners of the world and are increasingly getting diffused at a very rapid pace. It is interesting to state that the diffusion of trends is happening all over the world irrespective of the fact of whether the regions are located in the developed or developing economies. The rapid diffusion of the trends of globalization is resulting in the process of generation of many new types of consumer demands which are basically an outcome of new kinds of consumption habits as well as individual behaviour. It has to be stated that these new consumer demands are increasingly paving the way for a significant amount of business opportunity. Talking from a broad macroeconomic perspective, the economies of various countries around the world are witnessing significant fluctuation of performance more or less on a regular basis. While the credit crisis of the recent past has taken a serious toll in the performance of the European economies, the recent US shutdown has also impacted the performance capability of the world’s biggest market in a very negative fashion. Also, the continued political crisis in some of the regions of the Middle East has continued to mar the chances of growth and economic performance of those regions. In discussing the economic performance scenario of the Asian economies, it needs to be stated that the fluctuations in currency as well as market based volatility has continued to paint a gloomy picture as of the current times.

The Hacking Threats and Vulnerablilities of Wireless Networks in Term Paper

The Hacking Threats and Vulnerablilities of Wireless Networks in Organizations - Term Paper Example This increases their chances of interception, disruption and alteration as compared to wired networks. Confidentiality can be highly compromised if the message is not encrypted. This can allow an unauthorized person to read the message. Sources of Threats and Vulnerabilities in Wireless Networks In wireless networks four basic technology components face security threats. These are; the transmission medium, access points, client devices (for example computers, PDAs) and the clients. Each one of them can become a loophole for any or all the other components to be attacked. Unauthorized access to an organizations wireless network can result from an accidental association. This is where someone outside the organization turns their computer on and it connects to the organization’s network from a wireless Access Point (AP) (Anthes and Hoffman, 2003). Though it is not intentional, it compromises on the confidentiality of the organization’s information. It could lead to a link from one organization to another. Hacking can also be done by people forming a malicious association. They make their own wireless devices to connect to the organization’s network. They use a cracking laptop, called â€Å"soft AP†, to access the organization’s information instead using the of organization’s AP. ... According to Anthes and Hoffman (2003), hackers can be able to listen to an organization’s communications and identify the MAC address of the organization’s computer. This is called Identity theft /MAC spoofing. Hackers use programs that tend to ‘sniff’ networks hence gain unauthorized access to an organization’s network. They also use some software that makes a computer to pretend to have all MAC addresses required by the hacker. A computer can be enticed to log into another computer that has been set up as a soft AP by hackers. This allows a cracker to link to an organization’s legal AP using a wireless card that offers a continuous traffic flow through the hacking computer (Anthes and Hoffman, 2003). hackers can also utilize existing security faults and abuse of protocols example Extensible Authentication Protocol (EAP) to carry out a â€Å"de-authentication attack†. This is where the organization’s computers connected to the organization’s AP drop their connections and connect to the soft AP of the cracker. Software such as LANjack and AirJack enhance hacking because they automate multiple steps of the connection process (Clay, 2006). Hackers can launch attacks meant to deny the organization services through the organization’s network. This is called Denial of service (DoS). A cracker will bombard an organization’s AP or network with, premature successful connection messages, bogus requests and other commands. As a result of this, the organization may no longer access their network. The network can also crash as a result of this (Clay, 2006).Hackers can also inject false network re-configuration commands. This will tamper with the intelligent hubs, routers and

Bible Essay Example for Free

Bible Essay There are many accounts in the Bible that state God as the creator. Genesis 1 and 2 are both creation stories but slightly differ in their accounts; Genesis 1 is a day by day account of all the things God created in not so much detail whereas Genesis 2 explains the creation story in a way that focuses more on the creation of man and woman than just the lands. Having two accounts of the creation story means that it is easier to come up with your own conclusion as to how the earth was created. The first line of Genesis 1 is â€Å"In the beginning God created the heavens and the earth† There is no explanation as to where God came from or why He is there, He just exists and creates the heavens and the earth. This alone is showing God as the creator. Genesis then carries on to state all the things God created all with no scientific or physical proof or evidence as to why and how God is doing so. â€Å"So God created man in his own image, in the image of God he created him; male and female he created them† This quote is from line 27 and is on the 6th day. The repetition of the word ‘created’ is enforcing to the reader that God is the creator of everything and this is done so that there is no doubt in the readers mind whether God is the creator or not. God creating man and woman in his own image is showing that we are superior to other beings such as animals which shows that God is the humans superior. Being made in Gods image is his way of blessing the humans in life as we are made in the ‘Creators’ image. â€Å"Rule over the fish of the sea and the birds of the air†¦Ã¢â‚¬  This quote is saying that God is passing down his ‘ruler ship’ on to the humans. This means that God is starting to ‘back away’ from his previous role and now feels that he has created a world that the inhabitants (humans) can look after. Genesis two is another creation story but has a few differences to Genesis 1. While Genesis 1 speaks a lot more of the specifics of how and when each part of the earth was made, Genesis 2 speaks a whole lot more about the creation of humans rather than the land. The most time that the creation of land is mentioned is at the beginning of Genesis 2. â€Å"This is the account of the heavens and the earth when they were created. When the LORD God made the earth and the heavens-â€Å" This is the first thing said in Genesis 2 and it is stating that God is the creator. It says that God created both the heavens and the earth; there is never any question or vagueness about God creating the heavens and the earth it is all very matter of fact. Although Genesis 2 doesn’t always speak of God ‘creating’ things it often personifies God in such a way that he is planting or making objects. â€Å"And the LORD God made all kinds of trees grow out of the ground-â€Å" This quote doesn’t say that God created the trees but made them grow from the ground, this is essentially saying that He created them as it was the first sighting of trees but is said in a different way as so not to force the ‘creation’ down your throat like Genesis 1 does. This is so that you can come to your own conclusion about which one is more plausible or correct but there is still no doubt as to god being the creator. Job 38 from the Book of Job is a story of how Satan and God have a disagreement where Satan was saying that Job only worships God because he is prosperous in his life, God then agrees to take away all his possessions and leave him with nothing to show Satan that Job would still worship him even if he was left with nothing. Job’s three friends Eliphaz, Bildad and Zophar try to comfort Job but they end up doing the opposite and tell Job that the reason for all his losses is because he has sinned and now God is making him suffer. In the end Job has had enough and questions God, this makes God angry and then Job has a better understanding and realises that he should have trusted God all along. God then returns all of Jobs health and possession in better amounts than they previously were. This story is God showing his power and his superiority to humans. â€Å"Where were you when I laid the earth’s foundation? † This is God saying that he is mightier than any human and they do not compare to His power. This is also showing that God is omnipotent and that we know nothing compared to him. This is all enforcing that God is the creator and better than all the humans. â€Å"Have you ever given orders to the morning, or shown the dawn it’s place,† This is saying that God has dominance over everything in the world, humans and nature. After Gods account of all his majestic works (such as the world and humans) and power, Job has to acknowledge God’s right as creator to do as he pleases and to not be questioned. Job is essentially the personification of all humans who do not believe god as the creator, Job doubted God and his ability so god became angry; this is supposedly what happens every time someone doubts God. Psalm 8 is a song about the lord God and his creation. â€Å"You have set your glory above the heavens† While this quote form the first verse isn’t directly linked to God being the creator it is saying that God has stated his glory in a way that so far in this psalm we do not know yet, we know that God has glory which could mean he has done something great. â€Å"When I consider the heavens, the work of your fingers† Now we start to work out what it is that causes God to have glory, â€Å"the work of your fingers† we are literally told that God has made the heavens with his ‘fingers’. This personification of God shows that people saw him as one of them but also appreciated his greater power, this could possibly relate to humans being made in God’s image. â€Å"you made him a little lower than the heavenly beings† This quote is, like Job 38, stating God’s dominance over the humans. God made humans a little lower than heavenly beings so that they knew their place and that they were lesser than himself ‘the creator’.

Over-consumption = More Waste :: Essays Papers

Over-consumption = More Waste The single most important environmental issue today is over-consumerism, which leads to excess waste. We buy too much. We think we always need new and better stuff. Will we ever be satisfied? There will always be something better or cooler on the market. Because we live in a capitalistic consumer culture, we have absorbed things like: â€Å"Get it while the getting’s good,† â€Å"Offer ends soon, buy while it lasts,† â€Å"For great deals, come on down†¦Sunday Sunday Sunday!† We, kids from 1 to 92, have become saturated with commercials like: Obey your thirst. How much of our consumption is compulsive buying, merely obeying our momentary thirst? Do we actually need all that we buy? Could we survive efficiently, even happily, without making so many shopping center runs? Once after I made a Target run with mom, I noticed that most of the bulkiness within my plastic bags with red targets symbols on them was made up of the products’ packaging. I t hen thought about all the bags that were piled on the floor near us†¦all of the bags piled on the floors of many homes throughout America daily. There are realistic solutions that we should look into in order to curb this detrimental trend. Because we can do quick little time-saver runs to the nearest mega-store, we really have lost the need and, in some cases, the ability to be creative or resourceful. Instead of contributing to consumerism by buying new clothes and household goods, we can try finding and using things that were already purchased and perhaps slightly used. (Obviously not toiletries, food, or undergarments.) There are oodles of resale shops and rummage sales that contain great products for almost always half the price or even cheaper. By not shopping at such places as Goodwill, Salvation Army, and the like, we just keep adding more and more to the already vast amount of products that are already out there and not in use. It is wise to not contribute anymore to consumerism and waste-increase by buying used items. Perhaps we should only buy new things to supplement our needs. It is unrealistic to advocate that e veryone in America stop buying new things altogether. We should buy them in moderation, but there are things we can do before and after purchasing these things. Three simple solutions are pre-cycling, re-cycling, and re-using. Pre-cycling is used to prevent as much waste as possible by simply seeking out products with little, less, or no packaging.

Civil Disobedience in an Unjust America

Ahmed Syed Professor Ravy Eng 112-536 04/27/2010 Civil Disobedience in an Unjust America According to the infamous essay by Henry David Thoreau, civil disobedience is the conscious and intentional disobeying of a law to advance a moral principle or change government policy. Throughout the essay, Thoreau urges the need for individuals to put their personal and social consciousness before their allegiance to their government and its range of policies. Thoreau believed that if a government is unjust, citizens should simply refuse to follow the law and eventually begin to distance themselves from their government in a variety of ways.Although published 105 years one of the most turbulent and crucial times in American history, the leaders of the Civil Rights Movement saw the congruence between their plight and the teachings in Civil Disobedience. The protests led by legendary activist Martin Luther King and the watershed event of Rosa Park’s infamous bus ride were just two instance s in which civil disobedience came to fruition in modern day America. The following quote by Thoreau laid the groundwork for the basis of the actions of many civil rights activists, King and Parks included, â€Å"I think that we should be men first, and subjects afterward†¦The only obligation which I have is the right to do what I think right. † (Civil Disobedience 475). The aforementioned quote reveals Thoreau’s belief that it was a citizen’s obligation to withdraw from participating in an unjust and evil government and gives support to future opposition to the American Government as scene during the 1950s and 1960s. Thoreau argues on several issues throughout his essay which include disassociation and reform, however one overarching and undeniable argument that is present throughout his essay is that the American government is an unjust government that must be corrected.This belief was also held by civil rights activists. Through this research paper, the foundation of Thoreau’s ideas and their penetration into modern American history will be explored. The social context surrounding Thoreau and his work includes two prevalent issues: slavery and The Mexican-American War. During the 1840s, when Civil Disobedience was published, the North and South were at odds over the issue of slavery. During the same time, many Americans also believed it was their â€Å"manifest destiny† to claim parts of Mexico as the United States.Based on these two issues, Thoreau argues that the United States is an evil and unjust government. Thoreau and Paul Power’s Civil Disobedience as Functional Opposition both argue that if the government were not evil in its objectives and agenda then the idea and practice of civil disobedience would not have been needed nor created. According to Powers, â€Å"due the established evil of our government, there are both moral and ideological grounds for justifying civil disobedience,† (Powers 37). This is because civil disobedience is a reaction to unjust government.Although many argue against civil disobedience by saying unjust laws made by a democratic legislature can be changed by a democratic legislature and that the existence of lawful channels of change make civil disobedience unnecessary, Thoreau and Powers would argue that the constitution and said laws are the problem, not the solution. According to Thoreau, governments are often â€Å"abused and perverted† (Civil Disobedience 249) so that they no longer reflect the needs and opinions of the common people.The American government showcased the aforementioned abuse and perversion during Thoreau’s time in their partaking in the Mexican-American War. The main objective of the war was the take land from Mexico in order to create a larger and more powerful America. According to Thoreau, the American government achieved these objectives through an unfair armed conflict that was reminiscent of the long arm of European monarchies Thoreau also argued that the American government was unjust in its total support of slavery.Thoreau believed that citizens of the United States must stop slavery and the war with Mexico, even if it costs them their existence as a people. In order to truly make his arguments effective, Thoreau used ethos and pathos to persuade the people of his era. His use of ethos is evident throughout the entire essay. Thoreau establishes that he is a credible source as he himself has practiced civil disobedience and has been imprisoned for doing so. Thoreau says, â€Å"I have paid no poll-tax for six years.I was put into jail once on this account, for one night; and, as I stood considering the walls of solid stone†¦I cold not help being struck with the foolishness of that institution† (Civil Disobedience 249). In the aforementioned quote, not only does he build his own credibility as a sort of martyr for his cause, but he discredits the opposition, the government. Thoreau engages the audience by way of pathos as he speaks on such an emotional level about pressing issues that almost every American had an opinion on, the war and slavery (Civil Disobedience 243. Thoreau’s use of ethos and pathos was so successful and convincing that that it resonated with Americans over 100 years later. Thoreau’s teachings helped to form and energize the American civil rights movement. His ideas and teachings were applied to sit-ins at lunch counters, the freedom ride to Mississippi, peaceful protests in Georgia, and the bus boycott in Montgomery, Alabama. All of these defining moments were the outcome of Thoreau's insistence that â€Å"evil must be resisted and that no moral man can patiently adjust to injustice† (Thoreau 244).Thoreau also uses sensory imagery to convince and reach his audience in the following quote: â€Å"If the injustice has a spring, or a pulley, or a rope, or a crank, exclusively for itself, then perhaps you may consi der whether the remedy will not be worse than the evil†¦Let your life be a counter friction to stop the machine† (Civil Disobedience 248). This quote applies Thoreau’s somewhat abstract theories and ideas about evil and injustice to tangible and common objects, allowing all members of his audience to understand the major arguments of his essay.The use of the concrete words machine, spring, pulley, rope, and crank allow Thoreau’s audience to take what he is saying and apply it to common processes and mages that they understand because they are parts of their common and everyday lives. Columnist Bob Herbert, of the New York Times, recently wrote an article about Martin Luther King’s opposition to the Vietnam War, which can be compared with Thoreau’s thoughts on the Mexican-American War. Herbert cited King as saying the United States Government, in regards to their war efforts was, â€Å"Corrupt, inept, and without popular support,† (Herber t 2010).Herbert went on to further to say, â€Å"Dr. King spoke about the damage the Vietnam War was doing to America’s war on poverty, and the way it was undermining other important domestic initiatives. What he wanted from the U. S. was not warfare overseas but a renewed commitment to economic and social justice at home. As he put it: â€Å"A nation that continues year after year to spend more money on military defense than on programs of social uplift is approaching spiritual death,† (Herbert 2010). Not only did King agree with Thoreau on the social, piritual, and moral wrongs of war, but he also practiced civil disobedience and was sent to jail just as Thoreau was. In April of 1963, King was imprisoned in Birmingham, Alabama for his participation and leadership of the Birmingham campaign, a planned non-violent protest conducted by the Alabama Christian Movement for Human Rights and King's Southern Christian Leadership Conference against racial segregation (King). While imprisoned, King wrote a Letter from a Birmingham Jail, which is equivalent to Thoreau’s Civil Disobedience in that he demonstrated that he was in Birmingham in the first place because injustice resided there.Within the letter he also stated the sole reason for his imprisonment was for protesting those injustices. Letter from a Birmingham Jail was the root of King’s views on civil disobedience. As the primary leader the Civil Rights Movement, King was known for his views on the value of civil disobedience as a way to achieve political attention and change, similar to Thoreau. Specifically, King studied and used methods of Thoreau’s civil disobedience to combat and change segregation laws.King’s thoughts on civil disobedience raised similar theoretical questions to Thoreau’s about the relationship between an individual, their government, and one’s moral and political duties in upholding their personal social contract with the US governm ent (Melendez). Within the letter, King utilizes the same ethos and pathos that Thoreau used 100 years earlier. King builds his credibility and rapport by explaining himself as a reliable, competent, activist who has the utmost respect for his audience's ideas and values. This can be seen as he writes, I am in Birmingham because injustice is here. Just as the prophets of the eighth century B. C. left their villages and carried their â€Å"thus saith the Lord† far beyond the boundaries of their home towns, and just as the Apostle Paul left his village of Tarsus and carried the gospel of Jesus Christ to the far corners of the Greco-Roman world, so am I compelled to carry the gospel of freedom beyond my own home town. Like Paul, I must constantly respond to the Macedonian call for aid† (Letter from a Birmingham Jail 207). In conclusion, while Thoreau and his disciple Martin Luther King Jr. ncourage the need for individuals to correctly and justly prioritize their individua l conscious and the laws of their government, they essentially argue that the reason for the institution of civil disobedience is because the American government is and will always be an unjust government. Thoreau believes this is true not only because of their involvement in the Mexican-American War and their firm support of slavery, but because the American government’s actions are derived from the needs, opinions, and desires of a small group of citizens who fail to represent the majority.