Wednesday, December 25, 2019

The Most Incredibly Ignored Solution for Utd Essay Topics

The Most Incredibly Ignored Solution for Utd Essay Topics There are several persuasive essay topics to select from to finish your high school or college assignment. Before students begin to write, it is a very good idea for them to earn a list of the points they wish to make to their readers. In such a scenario, a student is needed to select an acceptable topic to write about. Even a student can begin a business online. Students ought to be permitted to pray in school. They always go online when they need to find something. They should be careful about posting on social media. They should keep their mobile in silence so as to not disturb the class. To defend your subject, you can recall the effect of overloaded schedule on college grades. There are varying views on whether or not a college education is needed in order to have a thriving life. Needless to say, topics which are still relevant in 2018 are the very best. It is preferable to search online since it will save yourself a plenty of time. Persuasive essay writing isn't easy guaranteed. Weave in your perspective to create your essay unique. Persuasive essays share a whole lot of resemblance with argumentative essays. Every argumentative essay ought to have an opposing view which can help you to prove you're right. You have to know all parts of financial topics when you choose them. If it's a college essay, it is critical to consider what aspects of it is going to be evaluated. Genetics can ruin the surroundings. Qualities of a great persuasive essay topic The topic ought to be specific. Sample persuasive essays can also offer inspiration on topics to write on in addition to serve as examples about how to compose your essay. Examples might also be included in each one of the body paragraphs to additional support and clarify your primary points. Presentation is vital. The variety of body paragraphs will mostly rely on the amount of your paper. Most issues can have essays on all the above mentioned questions. Working women should not receive any privileges. The reader ought to take the author's side by the close of the reading. By reading a few papers, you can secure lots of new and intriguing ideas. You may trust us to give expert assistance for many of your academic writing needs. You still have to make an outstanding bit of writing. Prior exposure or knowledge about a specific subject provides better hindsight which could bring much better arguments on the issue. You need to set up facts, possess the confidence and demonstrate the obvious evidence of your private viewpoint to certain phenomenon. The goal of brainstorming is to assist you in getting ideas. One other important issue when picking a persuasive speech topic is to select a topic that may provoke your audience a little. Perform extensive research on the subject of your choice and make an impressive persuasive speech that individuals will remember for long. Not all folks are suicidal that manner. Many people wind up covering the exact same tired topics they see in the media daily, just because they can't produce a better idea. Many students have a tendency to encounter the writing issues due to the shortage of suitable understanding. There are just a few things that define whether an essay you're working on is going to be a good one. Another good idea is to receive some completely free essay examples of different kinds and on various subjects to find a general idea of the way in which a prosperous debatable paper looks. Bear in mind which you're attempting to make your audience except a completely new vision of the issue. After you settle on this issue and pick the position on which you will base your essay, the remainder of the job can then begin.

Tuesday, December 17, 2019

Analyzing Dna Matches From Identical Twins And Other...

Each person’s genome- apart from identical twins’ or other multiple births’- is distinct because of variations in allele frequencies which cause chromosomes to have certain genotypes. This indicates that when the DNA found at a crime location matches a person’s, the individual is the culprit of the crime; however, finalizing a case is not this elementary. The evidence collected from a scene does not show the person’s entire genome. While it can certainly point to suspects whose DNA matches the samples collected from the scene, it does not secure a definite criminal. Analyzing DNA requires understanding of a few complex fundamentals, but probability paired with statistical reasoning provides for a more accurate approach in assessing DNA matches. Humans each have 23 pairs of chromosomes that have similar sequences since they are analogous in gene chronology. They are not identical, though, because one chromosome is composed of alleles of a gene from o ne parent, and one chromosome is composed of alleles from the other (Dawid and Thomas). Short tandem repeats, or brief recurring patterns, take place at particular positions in all DNA sequences, variation occurring due to the differing number of repeats from person to person (Dawid and Thomas). DNA profiles select certain positions of the human genome and record the number of short tandem repeats that appear there for each DNA sample being analyzed (which in a court case would be the suspect’s profile and the profile from theShow MoreRelatedBiology Essay3361 Words   |  14 PagesBiology: Concepts and Connections, 6e (Campbell) Chapter 12 DNA Technology and Genomics Multiple-Choice Questions 1) When DNA fingerprinting was first used, A) genetic evidence was collected using only DNA from blood. B) blood samples from theGenomic libraries can be constructed using either bacterial plasmids or what other vector? crime scene were used to match the blood of a person who confessed. C) the two semen samples did not match the person who initiallyRead MoreThe Role of Dna Technology in Crime Investigation5441 Words   |  22 PagesDNA profiling DNA profiling (also called DNA testing, DNA typing, or genetic fingerprinting) is a technique employed by forensic scientists to assist in the identification of individuals on the basis of their respective DNA profiles. DNA profiles are encrypted sets of numbers that reflect a persons DNA makeup, which can also be used as the persons identifier. DNA profiling should not be confused with full genome sequencing. It is used in, for example, parental testing and rape investigationRead MoreAdvancement in Forensic Technology3440 Words   |  14 Pagesprints, footprints, tooth bite prints, blood, and hair and fiber samples and bunch of other things in order to investigate a crime scene. Ballistics techniques are employed to make out weapons in addition to voice identification methods used to recognize criminals (Nickell Fischer, 1999). The lie detector has been used in police investigation since 1921. The modern lie detector was invented by a medical student from University of California. In spite of being frequently used in police interrogationRead MoreAp Psychology Review Packet12425 Words   |  50 Pagesglands and the muscles of the internal organs. 24.Availability Heuristic:  estimating the likelihood of events based on their availability in memory. 25.Axon:  the extension of a neuron, ending in branching terminal fibers, through which messages pass to other neurons or to muscles and glands. 26.B.F. Skinner:  a leading behaviorist; rejected introspection and studied how consequences shape behavior. 27.Babbling Stage:  begins at 4 months; stage of speech development in which infant spontaneously utters variousRead MoreManagement Course: Mba−10 General Management215330 Words   |  862 PagesHodgetts−Luthans−Doh Contemporary Management, Fourth Edition Jones−George Driving Shareholder Value Morin−Jarrell Leadership, Fifth Edition Hughes−Ginnett−Curphy The Art of M A: Merger/Acquisitions/Buyout Guide, Third Edition Reed−Lajoux and others . . . This book was printed on recycled paper. Management http://www.mhhe.com/primis/online/ Copyright  ©2005 by The McGraw−Hill Companies, Inc. All rights reserved. Printed in the United States of America. Except as permitted under the UnitedRead MoreDeveloping Management Skills404131 Words   |  1617 PagesWeidemann-Book Credits and acknowledgments borrowed from other sources and reproduced, with permission, in this textbook appear on appropriate page within text. Copyright  © 2011, 2007, 2005, 2002, 1998 Pearson Education, Inc., publishing as Prentice Hall, One Lake Street, Upper Saddle River, New Jersey 07458. All rights reserved. Manufactured in the United States of America. This publication is protected by Copyright, and permission should be obtained from the publisher prior to any prohibited reproduction

Monday, December 9, 2019

Corporate Sustainability Reporting

Question: Describe about the Sustainability reporting. Explainthe impact of non-budgetary execution of an organization and how it impacts the mentality of basic individuals. Answer: Abstract We are presently witnessing a lot of business competition among the global business establishments of the world. Business establishments are leaving no stones unturned in order to stay ahead of their business competitors in the market. The business establishments are trying to incorporate every possible strategy in order to ensure a competitive advantage over their market rivals. In this constant urge to stay ahead of the market competitors, there has been an increasing propensity among the global business enterprises to resort to unfair and unethical business practices which helps the business establishments to maximize their profits and revenues from their business operations in the market. Thus in order to keep a strict check on the business activities of the different organizations and to ensure that they conduct their business operations in a socially responsible manner, sustainability reporting is so essential. It provides us with accurate information regarding the business fun ctionalities of an organisation in the market and how the business establishment is contributing towards the overall growth and development of the society. In this assignment we have taken the example of two of the most reputed and well known banks of Australia (Westpac Bank and Commonwealth Bank) and analysed how both these banking institutions are ensuring sustainability reporting within their business hierarchy. Furthermore, an elaborate comparison of the sustainability reporting which are being practiced in both these banks has been undertaken in order to understand how these two financial institutes are operating their business in a socially responsible and ethical manner. This assignment also discusses the various systems theory such as the Legitimacy theory, Institutional theory and the Stakeholder theory which has played a vital role in helping us to understand the various aspects of sustainability reporting in an effective manner. Introduction The world has undergone globalisation and in light of this change consumers have become highly self conscious about their taste and preferences. The consumers are well aware of the market conditions and other relevant issues which make them quite a hard nut to crack in terms of convincing a consumer to purchase something. Over the years there has been drastic change in the market as well as in the corporate mechanism which has set a benchmark for the corporate world. With the growing conscience of consumers about a few key aspects of the society companies started focusing on emphasising on these aspects. One of the key aspects that stand to be important in the present moment is Environment. The environmental consciousness of common people has rapidly increased in the recent past and it is highly conspicuous. With time passing by rapidly the markets have become highly competitive and it has become tough for the companies to grab substantial market share. In order to construct strong p latform for a sustainable future companies needed design and implement a certain tool that would be conducive for long term sustainability (Bebchuk et al., 2009). Corporate Sustainability Reporting is that certain tool that has become a contemporary corporate weapon for a lot of companies in order to turn the wave towards them. The Corporate Sustainability Reporting is a tool that helps companies to effectively communicate with the consumers since this report provides information about the movement of a particular company towards safeguarding the environment and reporting about the potential steps taken for the economic, social and environmental welfare of the society. The main focus of the framing corporate sustainability report is to be transparent and committed towards the client base. In the contemporary business environment Corporate Sustainability Reporting could be defined as the consolidated collection of information that involves reporting of performance benchmarks from the point of view of the social, economic and environmental sphere for a particular community. In the recent decade or so most of the bigger organisations have got hig hly inclined towards framing effective Corporate Sustainability Reporting that has enabled them to be more transparent and allowed them to face risks and opportunities in a much more effectual manner (Baumgartner Ebner, 2010). The concept of Corporate Sustainability Reporting is multi faceted and hence it becomes extremely important comprehend the purpose of Corporate Sustainability Reporting the role of Global Reporting Initiative Framework in making this kind of report and its impact on companies. Task 1: Corporate Sustainability Reporting In a world of competition where every inch of space is subjected to sheer corporate battle Corporate Sustainability Reporting acts as a deciding factor. Sustainability report is a tool that helps many companies to exhibit their rigorous attempts to be friendly with the environment and contribute to the social and economical welfare of a place and in return they expect to get proper support from the consumers who stand to be the only motivation of these companies. In the recent past the tool of sustainability reporting has been played a significant role in placing different companies in drivers position in a market which is apparently competitive. The sustainability report published by a company exhibits the different attempts and efforts made to positively contribute to the social, economical and environmental domain through their daily activities (Aras Crowther, 2009). This concept of sustainability reporting has grown to be a very convenient and popular device all over the world which has helped a lot of organisations to display their motives to safeguard the environmental, social and economic interest of that organisation through recording of their daily activities. This in return has helped the consumers to distinguish between organisations and get clear and transparent view about their work and activities as well as their corporate social responsibilities towards mankind. The role of Sustainability reporting rose to prominence as some of the bigger companies in the world used this tool. The sustainability report also presents a clear view of the organisations values and corporate governance which would help the common people to understand asses a company accordingly and demonstrates a clear connection between the strategies and its commitment towards a sustainable economy. With the gradual increase in consumer interest about environment sustain ability reporting of a company helps the company to develop a strong hold over its activities which affects the environment positively (Linnenluecke, M. K., Griffiths, 2010). The corporate supportability report ought to be arranged and planned in a manner that the partners including the clients and the overall population get to be mindful of the undertakings of the organization and that the report lives up to their desires. The substance of the report ought to be adjusted to the general business methodology, mission, vision, points, objectives and targets of the business association. All in all the pith of the report ought to be focused at the requirements and desires of the more extensive gathering of shareholders and partners alike. The procedure of supportability reporting is surely extremely unpredictable and incorporates a wide range of corporate, financial, social and environmental activities that have been embraced by the organization to fulfill the necessities, prerequisites and requests of the shareholders and in addition the different concerned partners. Against the backdrop of the consent to report different parts of corporate business maintain ability discoveries the organization must have the capacity to agree to the different reporting norms, the conventions and the benchmarks of such a report (Garriga and Mel, 2004). Notwithstanding these the report ought to be such that it has the capacity to give all the significant and the appropriate information in regards to the different parts of the organization activities in the supportability area by entirely holding fast to guidelines, principles and controls connected with such sorts of reporting in the business space. The GRI rules give extra system to composing such reports as they are considered fit for this sort of business composing. The GRI rules give a more extensive structure to such reporting that can be utilized by all organizations acting as a part of different areas of Australia. The estimation of an organization's corporate maintainability report lies in its capacity to make an accurate representation of the facts in regards to both its execution and underperfor mance in different parts of the business including ranges of monetary, social and environmental insurance viewpoints (Bosà ¢Ã¢â€š ¬Ã‚ Brouwers, 2010). Care must be taken that the perspective gave in the report is all encompassing and adjusted without inclining to one particular territory of execution like benefits and diverging from ranges in which the organization's execution has not been up to the imprint. The report ought to be as straightforward as would be prudent and should likewise incorporate negative partner feedback where such feedback has been given by the organization. The utility and the pertinence of the corporate maintainability report furthermore its believability relies on upon the way the information and the information is being exhibited to general society. In addition the information ought to be overall target and as unprejudiced as could reasonably be expected so that mistaken suspicions are not made on the premise of a one-sided report (Lee Faff, 2009). Nature of the report is of outright significance if the organization is to persuade its partners that it is submitted and skillful to deal with the social, mo netary and environmental parts of the business in a successful way. Obviously that supportability reporting ought to be adjusted to monetary reporting so that legitimate implicit rules in the accounting norms could be kept up and the organization is free from the possibility of winning unsavoriness from outrages of fumbled assets furthermore corporate cheats. A portion of the specialists are of the perspective that corporate money related reporting principles are of meticulousness in the matters of information gathering and accuracy and much similarly such ought to be the situation of corporate manageability reporting. As the premium level of examiners in the space of interest in the territory of corporate maintainability reporting has expanded the same level of accuracy and meticulousness of money related reporting principles should be connected to some measurements and zones of CSR reporting (Montiel, 2008). Sustainability reporting is also termed as non-financial reporting; Triple Bottom-line Reporting, Corporate Sustainability Reporting et cetera. Building and maintaining trust in business is extremely important and every company needs to do that in order to have proper support from its loyal consumer base and nowadays the best possible way to do that is to develop a proper sustainability report that takes into account the different steps taken by a company to ensure sustainability in the field of social, economic and environmental development. Companies from all across the world have taken up Sustainability Reporting and similarly bigger companies from Australia also have ensured that they take up sustainability reporting in order to make sure that their market position is intact. It is important to mention that the key purpose of Sustainability reporting is to build trust in the minds of the common people which would help a company to effectively interact with them and understand the ir feelings about certain important things. Since a business is built up of different stakeholders and their role becomes extremely essential for the growth and development of a business it is extremely important that the wants and needs of the stakeholders are properly addressed which is highly facilitated by the framing of sustainability report (Hahn et al., 2010). Thousands of companies across all sectors have taken up Sustainability reporting based on certain universal reporting guidelines which are: Global Reporting Initiative framework The Organisation for Economic and Co-operation and Development (OECD) The United Nations Global Compact The International Organisation for Standardisation (ISO 26000, International Standard for Social Responsibility) Out of these guidelines the most followed framework is Global Reporting Initiative or GRI Framework. In the late 90s when a lot of multinational companies were thinking about fixing the key problem of their commitments towards the stakeholders in terms of social, economic and environmental duties it was very tough come up with solutions as there were no such guidelines or processes similar to displaying the financial performance of a company. In this situation a coalition of CERES (Coalition for the Environmentally Responsible Economies) and UNEP (United Nation Environment Program) came up with an idea of launching newly formed frameworks which would help these companies to measure their non-financial performance and also exhibit the same to the consumers and Global Reporting Initiative came into existence. This framework made sustainability reporting mandatory and common for companies like financial reporting. The GRI framework helps the companies to approach their non financial sus tainability reporting in a very systematic way (Bosà ¢Ã¢â€š ¬Ã‚ Brouwers, 2010). The GRI is focused on making it easier but much more conventional for the companies to approach their sustainability reporting which would help them to be more clear and transparent towards its target audience. The GRI focuses on helping a company to: Understand the economic, social and environmental impacts of their activities Helps the companies to enter into conversation with its stakeholders about their possible impacts Define indicators to reflect on its social, economic and environmental contributions And finally monitor the steps taken to fulfill the objectives The GRI framework has been effective for many companies all across the world due to its simple process and clear focus. The major steps taken to fulfill the reporting under GRI guidelines involve: Prepare: In this phase the upper level management is approached in order to identify the most obvious positive and negative social, economic and environmental impact from the organisational activities. Connect: This is an essential part as it involves approaching stakeholders and seeking their inputs about what are the key aspects that should be added in the final report. It depends on the assessment of the different aspects by the company and how they felt about them (Schaltegger et al., 2012). Define: The inputs provided by the stakeholders will ensure that the identified aspects in the first step are the key aspect or not. This helps in clearing the sole focus of the report. Monitor: This is the stage where all the different information is gathered. The various GRI indicators are available to help companies to monitor the information gathered. The induction of GRI indicators helps in gathering highly refined information that helps in effectual reporting. Reporting: Finally the data gathered from the above steps are very prudently put into the report and then published for the common people to see it. It also takes into account the best possible way to communicate the result of the report to the stakeholders. Overall it could be said that the main purpose of sustainability reporting is to build up trust with the stakeholders through clear and distinct communication with the help of GRI guidelines that helps companies to report key social, economic and environmental aspects to good effect (Milne Gray, 2013). Task 2: Comparison of Sustainability Reporting Comparison of sustainability reporting could be done when two companies are assessed effectively. For the present study tow companies taken are Commonwealth Bank Australia and Westpac Banking Corporation Australia. Commonwealth Bank Australia The Commonwealth Bank Australia is one of the leading financial institutions that have its operations in many countries like New Zealand, Europe, USA, Asia-Pacific regions. The company has huge goodwill in the market and provides different banking services like retail banking, premium banking, business banking, institutional banking, asset management et cetera. The company has focused on framing and maintaining corporate social responsibility objectives which helps the company to keep its interaction with the consumers significantly effective. The company focuses on addressing certain issues related to economic, social and environmental domain and wants to maintain and its non financial performance consistently as well (Aras Crowther, 2008). The company focuses on effective corporate governance which helps the company to address all the needs and demands of its stakeholders. The company strives to provide effective responsible financial service by addressing issues like bribery, cor ruption, speaking up against financial frauds et cetera. Setting targets for its employees to visibly assess their performance helps the company to provide increments and other rewards, the company focuses on hiring talented personnel, ethical business practice like providing equality at the workplace, paying taxes to the government, fulfilling their duties of environmental stewardship, empowering backward classes, investing in literacy programs, supporting arts sports and health in Australia have been their core focus which is given in the annual report of 2014 (Lee Faff, 2009). In late 2009, the Group declared a pledge to enhance the money related literacy of one million youngsters by 2015. We achieved this objective in August 2014, 5 months sooner than arranged. In the course of the most recent 12 months we've lessened our joined residential Scope 1 and 2 carbon emanations by 12,385 tCo2-e. Our yearly People and Culture study measures the levels of engagement amongst our kin. The bits of knowledge we accumulate from the study reactions illuminate choices and actions that assemble individual, group and business achievement. Republic Bank is currently the most noteworthy positioning Australian bank recorded on CDP's worldwide list and achieved a general divulgence score of 94/100. In the course of the most recent five years our introduction to the renewable vitality division has expanded altogether, and at a much speedier rate than our presentation to coal-based vitality (Milne Gray, 2013). Westpac Banking Corporation Westpac is a renowned name in the Australian financial service market. The company has substantial market share in Australian and New Zealand market which makes it another big name in the banking industry. Westpac has consistently contributed to the economic, social and environmental sphere in Australia. Providing more placements to women, investing 100 educational scholarships in 2014, reduction in the usage of paper and building the business in a clean-tech environmental friendly business have been some of the biggest feats for the company. The company has been able to communicate with its stakeholders both internal and external and has contributed largely to the reduction of carbon emission in the environment and has also emphasised on green banking. Overall it could be said that Westpacs sustainability agenda have been effective (Simnett et al., 2009). The primary manageability standards took after by the bank as a component of its supportability drive includes the cooperation of every one of its partners in the part of the key basic leadership plan furthermore taking care of the requirements and requests of the dedicated clients in a manner that base danger is included similarly as the prosperity of the general public and the assurance of environment is concerned. To get supportability going in the material world the bank embraces different activities like digitisation of the keeping money administrations which are done in a manner that the clients are the genuine recipient and the saving money items and capacities can react to a colossal scope of demographic changes that impact the way the managing an account operations are completed to meet the destinations of the shareholders (Aras Crowther, 2008). Comparison Both the companies Westpac and Commonwealth Bank have been very effective with their corporate social responsibility. Both these companies have performed well even non-financially towards the communities in Australia and the other countries they work in. It has to be mentioned that Commonwealth Bank sustainability reporting is done in a much more systematic manner. The approach is classical and conforms to the GRI frameworks. The Australian Stock Exchange has officially nodded to the material issues of the corporate governance principles which are not found in the reporting of Westpac. IT can also be said that Westpacs sustainability reporting could be made more synchronised. Though Westpac follows the GRI framework but information provided in the report is not up to the mark as compared to Commonwealths Sustainable reporting. It is also important to mention that the Commonwealth Bank focuses on sustainable business practice but Westpac doesnt mention anything like that in its report . Overall it could be said that both the companies are top level companies and hence need to work on their sustainable reporting paradigm (Bebbington et al., 2014). Task-3 Overseeing legitimacy through reporting is absolutely imperative for any business as it helps the business entities to direct their business operations in a socially accountable and moral manner. CSR information divulgences assume an imperative part in helping the stakeholders of an organisation to see how much effectively the business associations are participating in social exercises and how has it helped in changing the society as a whole. During the last ten years business establishments have increased the measure of information which is being disclosed to their shareholders in their yearly financial statements. This late pattern is basically ascribed to the increasing governmental pressures in order to guarantee that business associations are undertaking their business in an ethical and morally responsible way and are and are contributing pro-actively towards the development and advancement of the wider society. There are additionally different speculations which have been broug ht forth by specialists in this field which grasps the expanded social and natural liabilities of the business foundations (Baumgartner Ebner, 2010). The fundamental hypothesis connected with legitimacy is the general thought that for guaranteeing and ensuring the smooth coherence of their business operations in the market, business establishments must act in such a way so that they can always remain inside the boundary of what is considered to be a socially accepted behaviour by the general population. The business associations need to assume a dynamic role in the general development and improvement of the region in which they are operating their business as this would eventually help them to realise their business goals and objectives in the market. By undertaking effective measures to contribute towards the growth and development of the society the business establishments would really project a positive vibe to their customers in the market and this would help them in earning the trust and faith of their customers in the market. This would also help them in enhancing their brand image and reputation in the market (Farber, 2005) . In case it is found that an organisation is continuing their business in a socially unacceptable manner solely for the purpose of increasing their revenues and profits from their business operations then its mere existence in the market would be threatened in the first place. Business establishments which are operating in an unethical and socially irresponsible manner would be forced to shut down their business operations in the market sooner or later. Believers of this hypothesis generally have the same perception that the business establishments are attempting to gather the trust and confidence of their clients in the business sector by voluntarily providing them with all the necessary information with respect to their social activities in their yearly business reports (Simnett et al. 2009). They are attempting to legitimize their business operations in the business sector and stay in the safe side of the public administration and the law enforcement authorities. It has also bee n discovered that the penchant to uncover information in regards to social and environmental activities are expanded if an organization has been included in any sort of negative environmental activities which has been brought to light by the digital or print media. This helps the business foundations in shielding or advocating the business activities which have been undertaken by them over the span of their business operations in the market (Klapper Love, 2004). The Legitimacy of the business reporting is essentially carried out by utilising three different system oriented theories, which are - Legitimacy theory, Stakeholder theory and Institutional theory. These theories enable the business enterprises to ensure an effective reporting on their part which plays a vital role in improving the overall reputation of the business enterprises in the market. The Legitimacy theory has already been discussed previously. Now we need to understand the Stakeholder Theory and the Institutional Theory (Montiel, 2008). The Stakeholder theory is essentially a theory of organisational management that deals with the organisational morals and values which are been incorporated into practice while managing the daily business activities of an organisation in the market. Stakeholders are the people who are directly or indirectly getting affected by the business activities of an organisation in the market. Stakeholder of an organisation generally includes theiremployees, suppliers, trade unions, investors, governmental bodies,political groups and charitable trusts. The stakeholders play a vital role in determining the overall success and growth of a business in the market and thus it is absolutely essential for the business establishments to satisfy the interests of their stakeholders in the market. The stakeholder theory plays a vital role in helping the business establishments in identifying the needs and expectations of their stakeholders in the market and thus it helps the business establishments to co nsider the interests of their stakeholders at the time of business decision making (Baumgartner Ebner, 2010). On the other hand, the Institutional Theory is a widely accepted school of thought which essentially deals with the legitimacy, isomorphism and rational myths which are widely prevalent in the business structure of an organisation. It plays a vital role in helping the business establishments to analyse the deeper and more resilient aspects of the social structure under which an organisation is operating their business in the market. Thus, it helps and organisation to understand their wider role in the society and how they can contribute effectively towards the overall growth and development of the society (Farber, 2005). Both the Westpac Bank and the Commonwealth Bank have strived to develop an effective reporting on their part which has helped them to create a strong viewpoint of their business operations in the market. If we consider the application of the Legitimacy theory in case of Westpac Bank and Commonwealth Bank then we can clearly say that both the organizations have been utilising the theory in an effective manner and operating within the socially acceptable norms of business. The legitimacy theory has played a vital role in defining the roles and responsibilities of both Westpac Bank and Commonwealth Bank during the course of their business operations in the market. This has enabled both the organizations to ensure an accurate and transparent information disclosure regarding their social responsibilities towards the general population which has helped them to identify and realise their liability towards the society (Bebchuk et al. 2009). It is important to mention over here that both the banks have continuously strived to disclose their business information in a detailed manner to the general population. Both the companies are functioning in the market in such a manner which satisfies and goes with the expectations of the Australian public. Whenever an organisations activity reflects that it does not complies with the social and moral values of the society, it becomes quite evident that sooner or later the society will oppose the functioning of that organisation in the market. Both the Commonwealth Bank and Westpac Bank must ensure that they participate in those activities which help them to engage with their customers in an effective manner. This will help them in creating a strong bond with the general public and they will be able to earn the trust and faith of their customers in the market. Both the organisations have adopted Green Banking which has helped them to reduce their dependence on paper and helped them to ensure paperless transaction with their customer s. Thus, both the banks have been able to contribute significantly towards environmental conservation and environmental awareness by decreasing the paper consumption among their customers. This has helped Commonwealth Bank and Westpac Bank to create a positive impression on their stakeholders in the market. Again, the stakeholder hypothesis has enabled the both the banks to analyse the relationship which exists with their stakeholders in the market. The stakeholder theory has helped both the Commonwealth Bank and the Westpac Bank to ensure a powerful association with their internal and external stakeholders. From the points of view of the partners they will be satisfied if their requirements and needs are satisfied. The partner hypothesis for the most part demonstrates that each organization needs to deal with their partner's advantage (Simnett et al. 2009). In this situation both these organizations deal with their legitimacy by revealing distinctive corporate information. Both Westpac and Commonwealth bank needs to apply diverse developments that have a decent develop with the partners. At long last the Institutional hypothesis says that the institutional environment impacts the formal structure of a business. This aides in creating inventive thoughts of both the organizations Commonwealth and Westpac Bank and it could be said that early embracing associations are legitimized in such situation. It is likewise said that appropriation of such advancements reach a level of legitimisation where neglecting to accomplish these levels would appear to be nonsensical (Montiel, 2008). Conclusion The present study highlights the diverse parts of Sustainability reporting. It talks about the impact of non-budgetary execution of an organization and how it impacts the mentality of basic individuals. The study has demystified the distinctive perspectives identified with feasible reporting and underscored on GRI system later practically applying on two diverse organizations as cases that finished the concentrate adequately (Bebchuk et al. 2009). References Aras, G., Crowther, D. (2008). Governance and sustainability: An investigation into the relationship between corporate governance and corporate sustainability.Management Decision,46(3), 433-448. Aras, G., Crowther, D. 2009. Corporate sustainability reporting: a study in disingenuity?.Journal of business ethics,87(1), 279-288. Baumgartner, R. J., Ebner, D. 2010. Corporate sustainability strategies: sustainability profiles and maturity levels.Sustainable Development,18(2), 76-89. Bebbington, J., Unerman, J. and O'Dwyer, B., 2014.Sustainability accounting and accountability. Routledge. Bebchuk, L., Cohen, A., Ferrell, A. 2009. What matters in corporate governance?.Review of Financial studies,22(2), 783-827. Bosà ¢Ã¢â€š ¬Ã‚ Brouwers, H. E. J. 2010. Corporate sustainability and innovation in SMEs: evidence of themes and activities in practice.Business Strategy and the Environment,19(7), 417-435. Hahn, T., Figge, F., Pinkse, J., Preuss, L. 2010. Tradeà ¢Ã¢â€š ¬Ã‚ offs in corporate sustainability: you can't have your cake and eat it.Business Strategy and the Environment,19(4), 217-229. Lee, D. D., Faff, R. W. 2009. Corporate sustainability performance and idiosyncratic risk: A global perspective.Financial Review,44(2), 213-237. Linnenluecke, M. K., Griffiths, A. 2010. Corporate sustainability and organizational culture.Journal of world business,45(4), 357-366. Milne, M. J., Gray, R. 2013. W (h) ither ecology? The triple bottom line, the global reporting initiative, and corporate sustainability reporting.Journal of business ethics,118(1), 13-29. Schaltegger, S., Ldeke-Freund, F., Hansen, E. G. 2012. Business cases for sustainability: the role of business model innovation for corporate sustainability.International Journal of Innovation and Sustainable Development,6(2), 95-119. Simnett, R., Vanstraelen, A. and Chua, W.F., 2009. Assurance on sustainability reports: An international comparison.The accounting review,84(3), pp.937-967.

Sunday, December 1, 2019

Theodore Roosevelt Essays (898 words) - , Term Papers

Theodore Roosevelt Theodore Roosevelt "The life of Theodore Roosevelt (1858?1919) was one of constant activity, immense energy, and enduring accomplishments. As the twenty-sixth President of the United States, Roosevelt was the wielder of the Big Stick, the builder of the Panama Canal, an avid conservationist, and the nemesis of the corporate trusts that threatened to monopolize American business at the start of the century. His exploits as a Rough Rider in the Spanish-American War and as a cowboy in the Dakota Territory were indicative of his spirit of adventure and love of the outdoors. Reading and hunting were lifelong passions of his; writing was a lifelong compulsion." After graduating magna cum laude, from the Harvard University, Theodore began to lay the building blocks for his public career. He began one of the most historic political careers ever. Roosevelt put his early political years in these words, "I rose like a rocket". After being a New York Assemblyman, United States Civil Commissioner, Assistant Secretary of the Navy, Roosevelt played a significant role in the Spanish-American War. The Spanish, who once thrived in the new world, really only controlled Cuba now. But the Cubans attempted several times to receive their independence. The Cubans were mistreated, so the United States stepped in. War was declared against Spain by the United States. As the war went on Roosevelt began a group called the Rough Riders. This group consisted of largely cowboys, Indians, and college athletes. The group was led by Teddy and Colonel Leonard Wood. On June 30, the Rough Riders marched to Santiago. Then On July 1, the Rough Riders played a huge role in the American victory at San Juan Hill. Now with the Hills, Teddy the Rough Riders and the rest of the American troops, were ready to attack Santiago. Later, because Spain could not fight anymore, Spain asked for a peace agreement. Now Teddy was a war hero, this is nothing but help his chances for the U.S. President spot. After holding the governor spot over New York, Theodore ran as Vice President with William McKinley. On September 6, 1901 President McKinley was assassinated by, a anarchist named Leon Czolgosz. And the Rough Rider, cowboy, was now the President of the United States. "Although only 42, by far the youngest president in the nation's history up to that time, Roosevelt brought solid qualifications to the office." " No event had a more profound effect on Theodore Roosevelt's political career." As the President, Roosevelt look out for the best interest of the United States. In dealing with business, President Roosevelt was determined to see that no "Big Business" had a monopoly. As a result in early 1902, the attorney-general was ordered by Teddy to file a suit against The Northern Securities Company, which was a railroad investment company. The company controlled 3 major railroads in the Northwest. The Northwest Securities Company was charged with being a monopoly, under the Sherman Antitrust Act. The Supreme Court later ruled on the case a said the Northern Securities Company must be broken up because they were "combination in restraint of trade." Because of the success that Roosevelt won in this case, he brought charges on over 40 more Big Businesses. The most important businesses broken up by the Supreme Court, as a result of Roosevelt's actions were the Standard Oil Company and the American Tobacco Company. Because the antitrust cases were took so long to get to the Supreme Court, Roosevelt asked Congress to pass the Expedition Act, which sped the process. Roosevelt did not discriminate big businesses simply because they were big, he looked for the businesses that posed a threat to the public. "Roosevelt's action against big businesses won him the title ?trust buster'. One of the biggest challenge Roosevelt took on was getting the Panama Canal built. The United States and Great Britain signed a treaty which gave the U.S. exclusive rights to build, and operate a canal in Central America. There was some disagreement where the canal would be built, but the final decision was Panama, where a French company had been digging but went bankrupt. In June of 1902 congress passed the Isthmian Canal Act, which authorized the purchase of the French land for $40 million. But the United States also had to get control of the canal zone from what was then Colombia. Secretary of State made an agreement with Thomas Herran to purchase, the right to control the land, for $10 million plus $250,000 yearly. The U.S. Senate accepted it but, the Colombian senate rejected the offer, hoping to

Tuesday, November 26, 2019

The Famous Poll at Jodys Bar essays

The Famous Poll at Jodys Bar essays The theme of the story, The Famous Poll at Jodys Bar, is the different mindset about the relationship of man and woman. There come two couples, Nora Jane and Sandy; Prescott and Emily Anne. Nora Jane met Sandy at a record shop where she worked and fell in love with him at the first sight. Sandy was her dream man who was like Robert Redford as the Sundance Kid. The author describes Sandy as a handsome and attractive thief by using the Sundance Kid. After 14 months of living together without a marriage, Sandy left her saying that he would call her again when he settled which was a lie. He just left her in an indifferent way when he earned enough money robbing with her. He didnt value the relationship as much as she did. However, Nora Jane devoted her life to meet and hold the relationship with him. It says, To the source of all water. It means that Sandy was a reason for living for her. The other couple, Prescott and Emily Anne, also lived together for years without getting married. Even though Prescott didnt care about her much, Emily Anne continued the relationship with him. Two couples in the story describe the reality of men and womens view about love and relationship so well. Men dont consider a relationship with women and a marriage as much as women do. Whereas, women value every relationship with men importantly, and they are ready to devote their lives for their love. The description about a marriage by Prescott was very realistic and fun but disappointed that there are some men who think a marriage so miserably and negatively. The author used the third point of view in the story to be objective about two different views about love. Therefore, the story is not biased to either side. The author used several similes and exaggeration, which created strong images about characters and their thoughts. The story was the comparison of two different min...

Saturday, November 23, 2019

Subject-Verb Agreement on SAT Writing Strategies and Practice

Subject-Verb Agreement on SAT Writing Strategies and Practice SAT / ACT Prep Online Guides and Tips Subject-Verb Agreement may be the most tested grammatical rule on the SAT. Therefore, just by mastering this rule and its applications, you will be well on your way toward achieving a ridiculously good score on the SAT Writing. While the rule itself is relatively simple, the questions related to it can be challenging and a bit tricky. In this article, we’ll teach you how to become a master of all things subject-verb agreement on the SAT. In this post, I’ll do the following: Give you a clear understanding of subject-verb agreement. Explain why and how subject-verb agreement questions on the SAT can be tricky. Offer general strategies that can help you correctly answer subject-verb agreement questions. Provide you with practice questions so you can test what you’ve learned. Review: What's a Subject? Simply, a subject is the noun which corresponds with a verb in a sentence. In a sentence where there is an action, the subject is the noun which is doing the action. Here is an example: Justin saved the world. Justin is the subject because he did the saving. In a sentence where there is a description, typically using a form of the verb â€Å"to be†, the subject is the noun which is being described. Consider this beautifully written sentence: Justin is amazingly humble. Justin is the subject because he is the person who is amazingly humble. Now that we have a basic understanding of a subject, let's define this ubiquitous SAT grammar rule. What Is Subject-Verb Agreement? Subject-verb agreement is a rule stating that all subjects must agree with their verbs in number. Singular subjects take singular verbs. Plural subjects take plural verbs. Most of the subject-verb agreement questions on the SAT deal with verb forms in the third-person singular form (he/she/it/one) and third-person plural forms (they). In the present and present perfect verb tenses, third person singular verb forms end in an â€Å"s†. Third person plural verb forms do not. Let's check out an example sentence to give you a better understanding of this rule: The celebrity chef cook lobster and foie gras. This sentence probably already "sounds" wrong to your ear, but let's break down exactly why. The subject of this sentence is "chef". Obviously, because we are only talking about one chef, the subject is singular. Therefore, the verb should be in the singular form. However, "cook" is the third-person plural form of the verb so this sentence is incorrect. Here is how the sentence should read: The celebrity chef cooks lobster and foie gras. Here's another basic example: The gymnasts performs incredible feats of strength. In the above sentence, the subject is "gymnasts" because they are doing the performing. "Gymnasts" is plural so the verb should be in the plural form. However, "performs" is in the singular form. This is the corrected sentence: The gymnasts perform incredible feats of strength. This rule is relatively basic and easy to comprehend, right? Some of you may be thinking that all subject-verb agreement errors on the SAT will be as simple to detect as they were in the example sentences above. However, in traditional SAT fashion, sentences on the SAT are intentionally deceptive and questions related to subject-verb agreement can be rather challenging. Subject-Verb Agreement questions can deceive you Why Are These Questions Tricky? Generally, questions related to subject-verb agreement on the SAT can be difficult because the subject is usually not placed directly in front of the verb. This problem appears in two ways: Interrupting Phrases, and inverted sentences where the subject follows the verb. Common Trap #1: Interrupting Phrases Interrupting phrases are phrases thatseparate the subject from the verb. Such phrases make locating the subject and determining whether the verb should be singular or plural more difficult. There are specific types of interrupting phrases and we'll take a closer look at a few of them. You don't know need to know all of the specific grammar terms, but it's important to recognize how they influence subject-verb agreement questions. Non-Essential Clauses Non-essential clauses are phrases describe a noun, often the subject of a subject-verb agreement question on the SAT. Non-essential clauses are surrounded by commas. These clauses can be removed without creating grammatical errors or changes in the meaning of a sentence. Take, for example, this sentence: My doctor, who is very unfriendly, spoke to me for less than a minute. The phrase in bold is a non-essential clause. It is separated by commas and removing the clause does not create an error or change the meaning of the sentence. The phrase is only used to provide descriptive information about the subject. See: My doctor, who is very unfriendly, spoke to me for less than a minute. A non-essential clause often starts with a relative pronoun (which, who, whose, or where), but it doesn't in a phrase known as an appositive. An appositive functions like a non-essential clause, but it doesn't have a verb. Here is an example: My doctor, a very unfriendly man, spoke to me for less than a minute. Again, the phrase provides information about the doctor, but it can be removed and will not create any errors or change the meaning of the sentence. So, how will knowing about these phrases help you correctly answer SAT questions related to subject-verb agreement? I'll explain. Non-Essential Clauses and Appositives on the SAT On the SAT, these phrases will be placed between subjects and verbs to trick you into thinking a subject is singular or plural. Look at this example of an incorrectly written sentence in which I've underlined the subject and bolded the verb: My math teacher, who is extremely demanding and yells at all the students, give too much homework. The subject is singular and the verb is in the plural form. However, there is a non-essential clause separating the subject from the verb so it is more difficult to locate the error in subject-verb agreement. Also, on the SAT, there will often be a plural noun in the non-essential clause placed right next to the verb in such a sentence. Many test takers will incorrectly assume that "students" is the subject,especially if you read the question quickly in one go. Here is the corrected version of the above sentence: My math teacher, who is extremely demanding and yells at all the students, gives too much homework. So, how do you avoid falling into this common trap that the SAT will set for you? Strategy For these types of questions, always cross out appositives and non-essential clauses. Doing so will make it easier to notice any issues with subject-verb agreement. The resulting sentence should be grammatically correct. Let's do this with the incorrectly written version of our previous example: My math teacher, who is extremely demanding and yells at all the students, give too much homework. Crossing out the non-essential clause leaves us with "My math teacher give too much homework." The subject-verb agreement error in that sentence is easy to spot. Here is another type of interrupting phrase, probably the most common on the SAT: the prepositonal phrase. Prepositional Phrases Quick Review: prepositional phrase begins with a preposition. Prepositions provide additional details about nouns and often answer the questions "Where?", "When?", or provide descriptive information. Here is a chart showing examples of commonly used prepositions: http://study.com/academy/lesson/what-is-a-preposition-definition-uses-examples.html On the SAT, prepositional phrases are often inserted between subjects and verbs to make errors in subject-verb agreement less noticeable.Take a look at this incorrectly written sentence with the prepositional phrase underlined: Changes for the new and improved SAT is going to be implemented soon. The subject of the sentence is "changes" and the prepositional phrase provides descriptive information about the changes. Because the subject is plural, the verb should be in the plural form. Once again, notice how the SAT can trick you by putting a singular noun, SAT, right before the verb, "is." If you go by ear, you're likely to fall prey to this trap. Here is the corrected version of the sentence: Changes for the new and improved SAT are going to be implemented soon. The approach you should take with sentences that contain a prepositional phrase is very similar to the one you should use with non-essential clauses and appositives. My ghost writer. He knows his SAT grammar. Strategy Cross out the prepositional phrase and the resulting sentence should be grammatically correct. Also, doing so will make it easier for you to identify the subject and ensure that the subject and verb agree. The subject will never be contained within a prepositional phrase. Let's use the cross out method with the above incorrectly written sentence: Changes for the new and improved SAT is going to be implemented soon. The subject-verb agreement error is much more obvious. Hooray! Interrupting phrases are not the only tactic the SAT uses to complicate subject-verb agreement questions. Common Trap #2:Sometimes the Subject Will Follow the Verb Occasionally, the normal word order of a sentence will be changed so that a prepositional phrase appears at the beginning of a sentence and the subject will follow the verb.In these sentences, it can be difficult to identify the subject and determine whether there is an error in subject-verb agreement. Take, for example, the following sentence with the prepositional phrase underlined and the verb in bold: On my forehead resides five unsightly pimples. We know that a subject cannot be contained within a prepositional phrase and the subject must correspond with the verb. What is doing the residing? The pimples. And "on my forehead" provides information about where the pimples are located. Because the subject is plural, the verb needs to be in the plural form: On my foreheadreside five unsightly pimples. The correctly written sentence may sound more awkward to you because the noun "forehead" is singular and it is placed right next to the plural form of a verb. That is why you should focus on the rules and not rely on what sounds right. In rare cases, the verb comes before the subject but is not preceded by a preposition.What? How is that possible? Check out this sentence with the subject underlined and the verb in bold: Eating Hot Cheetos is fun, but less fun is its consequences. In the sentence, what is less fun? The consequences. Therefore, "consequences" is the subject which corresponds with the verb. There is an error in subject-verb agreement. The sentence should read like this: Eating Hot Cheetos is fun, but less fun are its consequences. The order of the words has been changed, but this sentence is saying that "The consequences are less fun." So, how should you tackle sentences in which the subject follows the verb? Strategy In these sentences in which the subject follows the verb, simply rearrange the sentence so that it follows the normal structure of subject then verb. This will enable you to more easily spot errors in subject-verb agreement. If you did that in the incorrectly written example above, you would be left with "its consequences is less fun". The subject is right in front of the verb and the error is obvious. Application: Real SAT Example So, we’ve established that subject-verb agreement questions can be tricky because the subject is often not placed directly in front of the verb. Let’s see how this plays out with an actual SAT question. First, let's look at a sentence with an interrupting phrase. The subject of this sentence is â€Å"research†. The phrase â€Å"by several scientists† is a prepositional phrase providing descriptive information about the research. Therefore, the subject is singular and the verb should be in thesingular form. If you get rid of the prepositional phrase, the sentence reads "research suggest". B is the answer; the word should be â€Å"suggests†. There are additional situations which complicate the most basic questions that test subject-verb agreement. Now we'll take a look at some of these specific situations. More grammar fun. Get excited!!! Common Trap #3: Compound Subjects If the subject is two singular nouns connected by â€Å"and†, then the verb should be in the plural form.Here is an elementary sentence illustrating this rule: Justin and the SAT are friends. The subject is both Justin and the SAT so the verb needs to be in the plural form. Here is a more difficult SAT-style example in which a prepositional phrase is also placed at the beginning of the sentence: Under my bed exists a pen and a Taco Bell receipt from 1994. So, where is the subject? "Under my bed" is a prepositional phrase - that's not the subject. What exists? Both a pen and a Taco Bell receipt. We can rearrange the sentence order so that the sentence reads that "A pen and a Taco Bell receipt exists". Because there is a compound subject, the verb should be in the plural form. This is the corrected version of the sentence: Under my bed exist a pen and a Taco Bell receipt from 1994. Application: Real SATExample Here is an example of an actual SAT subject-verb agreement question that uses a compound subject. The subject is both the time and the place. Therefore, the verb should be in the plural form. Also, there is an additional error in the sentence in that â€Å"to approving† should be â€Å"to the approval†. The correct answer is C. Collective Nouns Another unique situation that affects subject-verb agreement involves the use of collective nouns.Collective nouns are singular nouns that refer to groups of people. On the SAT, these nouns, if used in the singular form, should be used with singular verbs.Examples of collective nouns include team, band, company, and committee. Keep in mind that subject-verb agreement questions with collective nouns are rare, but I have seen this type of question on actual SATs. This is what the sentence would look like: After losing by thirty points, the basketball team have decided to fire its coach. Even though there are multiple people on a team, the subject is referring to one team. Therefore, the subject is singular and the verb should be in the singular form. This is corrected version of the sentence: After losing by thirty points, the basketball team has decided to fire its coach. Other Singular Subjects That Can Be Tricky Aside from collective nouns, there are other specific types of subjects that may intuitively appear to be plural but are singular and require a singular verb. Each=Singular The word â€Å"each† implies that you’re referring to each thing individually so you should use a singular verb when â€Å"each† is the subject.This is an example of an incorrectly written sentence using "each" as the subject: Each of the members of the team are athletic. Keep in mind that "of the members" and "of the team" are prepositional phrases. After removing the prepostional phrases, the sentence reads "Each are athletic." Each is our subject so the verb should be singular. This is the correct version: Each of the members of the team is athletic. Every=Singular Similarly, the word â€Å"every† implies that you’re referring to each thing individually. Think of the word â€Å"every† as implicitly stating â€Å"every one†. Here is an example of this rule in effect: Every person in each of my classes are intelligent. Although all of the students are intelligent, this sentence is stating that every single student is intelligent. Also, the use of the singular noun "person" further indicates that the subject is singular and requires a singular verb. Remember that "in each of my classes" is a prepositional phrase. This is how the sentence should look: Every person in each of my classes is intelligent. Gerunds When Used as Subjects=Singular A gerund is a verb which is used as a noun and ends in â€Å"ing†.When a gerund is being used as a subject, then the subject is singular.Look at this example: Remembering the names of all of the Kardashian sisters are easy. To determine the subject, think about what is easy. Also, we know that "of all of the Kardashian sisters" is a prepositional phrase which we can cross out and will not contain the subject. Therefore, we're left with "Remembering the names are easy". Even though "names" is plural, "the names" is not the subject and simply provides additional information about what we're remembering. The subject is "Remembering", a gerund which requires a singular verb. So, here is the corrected version: Remembering the names of all of the Kardashian sisters is easy. Who is this? Application: Real SAT Example It's time to take a look at an actual SAT subject-verb agreement question that includes one of these uniquely singular subjects. The subject is the gerund â€Å"storing†, which is singular. Therefore, the verb should be â€Å"increases† and the answer is B. Also, because â€Å"delays† is singular and shares the same subject, you should know that any verb which corresponds with the same subject should be in the singular form as well. Now that we've looked at various types of subject-verb agreement questions, let's go over strategies you can use on your SAT to help determine if you're encountering a subject-verb agreement question and ensure that you answer the question correctly. Want to learn more about the SAT but tired of reading blog articles? Then you'll love our free, SAT prep livestreams. Designed and led by PrepScholar SAT experts, these live video events are a great resource for students and parents looking to learn more about the SAT and SAT prep. Click on the button below to register for one of our livestreams today! General Strategies for SAT Subject-Verb Agreement Look For Errors in Subject-Verb Agreement When a Verb is Underlined In any of the subsections (sentence improvement, identify the error, paragraph improvement), if a verb is underlined, make sure that there are no errors in subject-verb agreement. Always Identify the Subject Both subjects of sentences and subjects of clauses must agree with their verbs. For each verb, find the noun which corresponds with that specific verb.Then, determine whether that subject is singular or plural and make sure that the subject and verb agree. The Subject is Never Part of a Prepositional Phrase Be aware that the subject will not be part of a prepositional phrase.Most subject-verb agreement questions on the SAT separate a subject from a verb with a prepositional phrase. Cross Out Interrupting Phrases The SAT tries to deceive you by placing long phrases in between the subject and the verb. Often, the number of the noun closest to the verb will not match the number of the subject. By crossing out the interrupting phrase, you will have an easier time identifying the subject and determining whether there is an error in subject-verb agreement. Be Able to Recognize the Common Tricks Knowing the common tricks the SAT uses on questions that test your knowledge of subject-verb agreement can be helpful. The better you know these tricks, the more quickly you’ll be able to identify them and correctly answer subject-verb agreement questions. Additional Practice Hopefully, by this point you thoroughly understand subject-verb agreement and how to correctly answer any subject-verb agreement question that may appear on the SAT. I've created some practice problems to test you on what you've learned. Remember to use the general strategies I referenced above. If you're not having fun, you're not doing it right. 1. Every summer in Los Angeles (A) the sound of children yelling(B) at the beach on a weekday indicate(C) that it is summer vaction (D). No error (E) 2. The selfie, which is(A) a photograph taken(B) by many narcissistic people, is(C) extremely popular on various social networking websites (D). No error (E) 3. An effective and helpful(A) tutor demonstrates(B) exceptional knowledge, is responsive to the needs(C) of her students, and listen(D) to them carefully. No error (E) 4. Extremely careful analysis(A) of handwriting samples show(B) that creative people are more likely to write(C) rounded letters (D). No Error (E) 5. Playingsports(A) such as basketball, football, or baseball allow(B) children to learn teamwork(C) and develop(D) coordination. No error (E) Answers:1. C, 2. E, 3. D, 4. B, 5. B What's Next? If you want to know everything that is tested on the SAT Writing section, read our article about what's actually on SAT Writing. After you have mastered the basic questions, study the hardest SAT Writing questions. Finally, if you're aiming for an 800 on SAT Writing, find out how to get a perfect scorefrom a perfect scorer. Want to improve your SAT score by 240 points? Check out our best-in-class online ACT prep program. We guarantee your money back if you don't improve your ACT score by 4 points or more. Our program is entirely online, and it customizes what you study to your strengths and weaknesses. If you liked this Writing and grammar lesson, you'll love our program.Along with more detailed lessons, you'll get thousands ofpractice problems organized by individual skills so you learn most effectively. We'll also give you a step-by-step program to follow so you'll never be confused about what to study next. Check out our 5-day free trial:

Thursday, November 21, 2019

AFA in news Essay Example | Topics and Well Written Essays - 250 words

AFA in news - Essay Example The other Wes however is not so lucky and surrounded himself with addicts, sunk deeper and deeper into drug trade, fathered many children and finally ends up behind bars. The story somehow connects to slavery since we are told of poor black neighborhoods which could have resulted due to the enslavement of the ancestors of the black community. Thus Blacks’ economic standards are usually lower than those of other races because they lack a firm and solid economic foundation, due to prolonged slavery of their forefathers. As I read the story, I could not help imagining how a person’s determination can elevate one beyond his/her current circumstances and improve one’s chance at living a better and morally upright life. The main problem portrayed in the story is that of drugs, crime and negative influences in one’s life. Thus the problem of crime and drugs is well highlighted and can be attributed to the kind that the other Wes Moore lived. A possible solution to this is educating such neighborhoods on the dangers of drug and crime involvement as well as making sure that youths have got enough role models and institutions to kee p them off the

Tuesday, November 19, 2019

Please explain 'product placement ' and evaluate the effectiveness of Essay

Please explain 'product placement ' and evaluate the effectiveness of product placement in moveis and online games - Essay Example Nowadays product placement has been expanded and included into program TV programme. It has also been included in an array of different media like video games, novels etc. Moreover the role of the product placement has been shifted from being a background prop to now being an important part of a movie. There are many films like Castaways in 2002 where Tom Hanks who was a FedEx employee was left to drift alone after a plane accident with many FedEx packages. It helped him survive on the deserted island alone. Similarly there are many instances in games like Burnout Paradise where political ads of Obama were shown. This shows that product placement is an important strategy for the marketers in the present time. This report will take a look at the effectiveness of product placement in the movies and games. Product placement is defined as the paid inclusion of a branded products or brand identifiers within a mass media program through visual or audio means. This kind of strategy is adapted by the marketers to increase the brand familiarity and sales of the brand. It helps to capture more eyeballs for the marketer. Basically it increases the product presence among the customers more than ever before1. There are many advantages to product placements. These include overcoming the problem of zapping. Zapping occurs which when people switches between the channels. Because of product placement people are unlikely to engage in zapping because the brand appears in their favourite movie or video games which they can’t change. Hence they watch the product while watching the movie. In addition to this in such films the product is endorsed by a celebrity which h appears to have significant influence on the attitudes of the consumer towards the product. Further through product placement the advertisers are able to target very specific audiences since the demographics of those who attend the kind of movie can well be understood at prior. Product

Sunday, November 17, 2019

Two Reading Journals Essay Example for Free

Two Reading Journals Essay â€Å"A Good Man is Hard to Find† by Flannery O’Connor is a story which utilizes caricatures of people to reveal some aspects of character that all readers can identify with.   While the characters on the literal level seem too unreasonably stereotyped to be real, some of their behaviors and responses are actually very similar to those of all humanity.   For example, the Grandmother begins as the quintessential nagging, hyper-critical, self-absorbed old woman that everyone prefers to ignore. However, her constant spouting of religious maxims and her ability to use her holier-than-thou attitude for guilt purposes is a trait that many readers recognize in their own family members or even themselves, perhaps as the oppressed son, even.    After the initial encounter with the Misfit, these stereotypical demeanors fade away, and the real personality of the characters can come through.    This is similar to the concept that people’s true selves come through in times of great trial or emergency.   The bratty children clam up in fear, and the grandmother begins to treat the Misfit with an almost caring respect, which he doesn’t buy, of course.   Her ultimate attempt to â€Å"save† the Misfit from sin fails, just as her attempt to win loyalty from her son by guilting him into doing her bidding fails.   However, she is forced into thinking about someone else, in this case the Misfit.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   â€Å"Where Are You Going, Where Have You Been?† by Joyce Carol Oates tells the story of a tough talking teen girl who is constantly concerned with the appearance she projects to the outside world.   Her tough exterior is extremely believable, as many teens suffer from this underlying lack of confidence. However, her pursuit by the psychotic Arnold Friend forces her t realize that not everyone will fall for the tough and cool exterior. Arnold’s friendly exterior keeps her off guard just long enough for him to draw her in.  Ã‚   He knows that deep inside she is scared and eager to please; this is how he wins her ultimate and fatal compliance.   He had forced her to realize that she was not the tough chick she wanted to be, and she notes that she just felt empty.   The shell was cracked, and there was nothing inside.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Both of these stories contrast the exterior of a person with his or her interior.   In the face of a perilous situation, both the Grandmother and Connie realize they cannot fall back on their usual game.   Both, then allow themselves to be victimized in the absence of any other choices.

Thursday, November 14, 2019

Con Air Worldview :: essays research papers

  Ã‚  Ã‚  Ã‚  Ã‚  When looking through many different movies, and lyrics I chose the movie Con Air, starring Nicolas Cage. Cage portrays Cameron Poe, an ex Army ranger who has just returned from the Gulf war. Right from the start Poe is faced with adversity. His return was not what he had hoped for. After he had spent time with his wife, Poe decided to call it a night, however a local gang decided to start a fight while they were leaving the parking lot. Poe easily wins the fight due to having such extent training in the military. After the brutal fight scene, he ended up killing one of the assailants on accident. This is where the movie takes a sudden turn for Poe. He is charged for that act, even though it was in self-defense. We next find Poe at a high-security prison where he is to spend the next 7 years. Throughout that time we learn about his new daughter Kaci who is Poe’s major purpose for getting out of jail. He gains a new friend in his cellmate Baby-O. After many years in prison, Poe learns that his pardon was granted; all that separates him from being with his family is one flight. Little did he know the plane would be filled with crazed convicts trying to overtake the plane.   Ã‚  Ã‚  Ã‚  Ã‚  For the most part, the entire movie portrays a worldview similar to that of the Naturalist stance. Excluding Poe and Baby-O, the entire cast doesn’t even acknowledge God. Many times the two friends are faced with difficult situations. When Poe was about to leave prison, Baby-O asks who will watch his back Poe replies God will. In another scene, Baby-O is shot through a struggle on the plane. He then questions Poe about if there is a God. His answer, I’m going to show you that God does exist! These two take a very theistic view towards God, although they don’t admit to being a Christian, they do acknowledge â€Å"a† God of some form. The entire â€Å"gang† of convicts follows a naturalist worldview exactly. There is no God; they can altar their own destiny. This is very evident throughout the entire movie. The character that portrays the naturalist world best would be Cyrus Grissom, the leader of the renegade convicts. Cyrus feels that he has total control over every situation. God doesn’t exist; therefore humans act as supernatural beings.

Tuesday, November 12, 2019

Role of agriculture

Agriculture is the dominant activity of poor countries such as Zimbabwe, which enhance our understanding of the dualistic. In the amplification of agriculture in economic development, a leading question is how agriculture contributes to economic growth and there seems to be a paradox in the role of agriculture in economic development. A well- known economist Simon Kuznets played an imperative role in coming up with the roles of agriculture to economic development; these embrace labour contribution, foreign exchange contribution and the market contribution.The agricultural sector has preserved its position in the contribution to Zimbabwe’s economic growth as seen by its appreciable contribution to the national Gross Domestic Product. For example, it has been eminent that the agricultural sector has made a convincing contribution to the national fiscus which was disturbed by unreliable rainfall patterns which hit some parts of the country in the last season. Also, agriculture ha s maintained pole position in terms of its input to economy’s growth, having contributed 33, 9 per cent to the country’s Gross Domestic Product in year 2010.Labour contribution, as one of the major macro-economic objectives of any government to diminish unemployment, agriculture plays a trivial role in economic development through the transfer of labour from the agricultural sector to other sectors of the economy, particularly to the industrial sector. In Zimbabwe agricultural sector stipulates income and employment not far from 60% to 70% of the total population, consequently agriculture is indeed an economy’s beef in Zimbabwe.Simon Kuznets also emphasized that the marginal productivity of labour is zero or close to zero, which means that when the marginal productivity of labour is zero, we can use the available labour that is from agricultural sector without affecting other sectors of the economy, which then advantage the economy as a whole. Foreign exchange c ontribution, despite the statistic that Zimbabwe is currently using the multicurrency system, therefore it still demands foreign currency in-order to import capital from other countries.The exportation of agricultural merchandises can resource the economy with foreign exchange for purchase of capital goods. In Zimbabwe most of our export earnings emanate from the agricultural sector with an input of about 40% of our total export earnings. The major contributors to the agricultural sector in Zimbabwe’s export are cash-crops such as tobacco and cotton, though cotton was not selling for this year’s harvest. Industrialization contribution, a large and cumulative segment of economic growth during the process of development can be qualified to agriculture’s contribution to agribusiness.These undertakings of the agricultural sector provision the production, marketing and retailing of foodstuff, clothing, beverages and other associated goods for both domestic consumptio n and exports. According to Davis and Goldberg (1957), thus primary agriculture grows and evolves, reflecting agribusinesses, while agribusinesses grow and evolve reflecting primary agriculture. Also provision of raw materials to industries by the agricultural sector moderates the rate of imports of a country, thus may as a result lead to balance of payment surplus of a country.In addition this diminishes the overall production costs of a firm as a result fair and affordable prices are charged, thereby increasing the demand for that particular product which will enforce producers to increase their level of output so as to meet the current demand, hence economic growth. Food contribution, since food is a fundamental wage good in a developing economy, diversification of the economy is therefore contingent upon domestic food producers producing a surplus, in excess of their own subsistence, which is large enough to feed a growing number of non-food producers.The agricultural sector fac tors in with a pivotal role in the supply of raw material to the food producers of the economy. Market contribution, the agricultural sector, because of its sheer size, must initially be the major market for domestic industrial products. Farmers’ expenditures on industrial goods that are both consumer goods and producer goods, represent one aspect of agriculture’s market contribution to general economic development.According to Milton and Luther (1964), as farmers’ purchases of industrial goods have their counterpart in inter-sectorial sales of agricultural goods; the agricultural sector’s market contribution also includes the sale of food or other farm products to the non-agricultural sector, being accelerated by the adoption of new agricultural technology. The role of production linkages to the process of industrialization. Production linkages channels the effect of an autonomous increase in final demand of the product for the given industry, not only o n the output of that industry and the industry supplyingit with inputs, but also on output of other industry supplying the second industry with inputs. Production linkages can be, backward or forward linkages. In general, production linkages quantify how several industries are connected together. Where poverty is a substantially rural phenomenon, which appears to be the case in most low-income countries, industrialization factors through raw materials to agro-processing industries for example food processing industries and textile.According to Alderman(1984),agro-processing industry can be defined, â€Å"as a subgroup of the manufacturing sector that processes raw materials and intermediary products derived from the agricultural sector†, for example forestry and agricultural crops. The founding of certain primary processing industries can lead to forward linkages, which is the ratio of intermediate output sales to other industries to a production sector of industry to the tot al value of sales to a final consumer.Backward linkages, measure the ratio of intermediate input purchases from other industries in that industry to the total value of the total production output. For example the metals and electrical sector provides a solid backward linkage to agricultural, mining and construction sectors, thereby increasing the overall output of a country and as a result this will increase the country’s Gross Domestic Product, consequently economic growth.In conclusion, agriculture is indeed important to economic development and also production linkages to industrialisation play a trivial role. However land reform also plays a crucial role to economic development through promoting equity, employment creation, market surplus and productivity. UNIVERSITY OF ZIMBABWE DEPARTMENT OF LINGUISTICS INFORMATION LITERACY SKILLS NAME FARAI MPOFU REG# R117753A COURSE ECON 211 YEAR 2012 QUESTION How would you evaluate internet information sources giving examples.

Sunday, November 10, 2019

Dwelling in the Fuchun Mountains

This one of the famous paintings In Chinese history has highly long shape and this painting has influenced on later ages. Characteristic in his painting makes viewers to confuse as they feel reality. In painting, there are similar geographical features. For example, similar shape of landscape appears repeatedly such as mountains shape on the enormous river and the shape of the coastlines. For these reasons, a viewer would be able to feel sitting on opposite sides of a hill. In this sense, Huang Gongwang had a gift for making his art look very realistic On the other hand, if looking closely, each part of the painting has very unique brushstroke method. For instance, the mountains located on the left side and the right side of painting were painted by using light paint and not detailed comparing to the other mountains. In other words, the brushstroke method applied in the middle of this painting is drier, detailed and non-washed by comparison with other parts of this painting. The painter may intend for viewer to focus on the middle part of ‘Dwelling in the Fuchun Mountains’. A close look, however, detailed description such as trees and rocks especially were not made by using one-touch brush strokes. These things which require a lot of works were not made by simple stroke. In order to make cubic and lifelike effect, the painter painted darker paint on the lighter ones. This painting was very carefully designed in this sense. The overall atmosphere of this painting is very peaceful, calm and restfulness. The reason why this masterpiece looks serene is not only peaceful scenery but also low-key human presence. As viewers can see, the painter tried to restrain to show the existence of human and he could be the focus on natural beauty. Besides, this painting was made for a friend of Huang Gongwang and took 3 years to complete all of his works. For this reason, Huang Gongwang would design this picture as if he would like to show this peaceful scene to his friend. This is probably why not showy, austere mood could be felt on the painting. As viewers can see, there are lots of inscription on the painting. Huang inscribed ‘Dwelling in the Fuchun Mountains’ at its end. He stated that he sketched the entire composition in one sitting, then from time to time would add a little when he was in the mood. All told, it took him three years to finish the painting. All things considered, this inscription would be for his friend to let his friend know, how much he exerted himself to draw this masterpiece and how much he wanted to share of this beautiful scenery with his friend. The style of this painting is greatly naturalistic and overall visual effect is so austere. As painter didn’t do to excess, he calmly expressed beautiful scenery without using fancy technique and exaggeration. Therefore, it wouldn’t be looked as a pleasant and engaging work. However, wouldn’t it be difficult for painter to draw a very normal painting which will be remembered as a famous masterpiece?

Thursday, November 7, 2019

Early Sex Socialization essays

Early Sex Socialization essays As early as pre-kindergarten, many children come to school with concrete ideas regarding gender socialization. Many girls, for example, will not engage in rough play. When a little boy gets hurt during a playground, he will do his best to keep from crying, for fear of being teased as "a little girl." This trend often continues as the child grows up. Boys are more participative in class because they tend to speak out more. Many young girls, on the other hand, are more reserved. Though this is an unconscious process, many aspects of early gender role socialization are difficult to overcome and have long-term effects. In many cases, early gender role socialization has very restrictive results. Boys learn to suppress their emotions, and it may become difficult for an educator to interest them in subjects that are considered "affective." This includes subjects like art, music or creative writing. Girls, on the other hand, tend to shy away from "hard" sciences like math I believe that parents need to develop a greater awareness of the effects of early gender role socializing. It is with parents that children learn their earliest and often, most influential, gender role. It is also at this stage when they are forming ideas about their own personality and identity. Restrictive ideas regarding gender roles serve to curtail the vast potential of many children. One can only imagine, for example, how many future female scientists opted for other, more "feminine" The good news is that there is a growing awareness of the problem regarding early gender role socialization. However, much remains to be done. Parents need to learn that their children pick up on their cues regarding socialization. Educators should also be aware of ingrained gender roles, in order to recognize and perhaps counter their ill effects. ...

Tuesday, November 5, 2019

How to Find the Aquarius Constellation

How to Find the Aquarius Constellation The Aquarius constellation is one of several water-related star patterns in the sky. Take some time to look for this constellation in the night sky when it is most visible, starting in late October. Finding Aquarius Aquarius is visible from nearly the entire planet. It is bounded by several other constellations: Cetus (the sea monster), Pisces, Capricornus, Aquila, and Pegasus. Aquarius lies along the zodiac and ecliptic. A star chart showing Aquarius and three deep-sky objects. Carolyn Collins Petersen   The Story of Aquarius The constellation Aquarius was once called The Great One (or GU LA in the Babylonian language). Aquarius was linked to the god Ea, a figure that frequently appears in Babylonian artifacts. Ea was often associated with the floods that regularly visited the Babylonian part of the Middle East.   Like the Babylonians, the ancient Egyptians saw the constellation as a god associated with flooding. Hindus saw the star pattern as a water pitcher, and in ancient China, the constellation was interpreted as a water jar with a stream flowing away from it. The ancient Greeks had many tales about Aquarius, but mostly associated it with Ganymede, a Greek hero who ascended to Mount Olympus to serve as the cup-carrier to the gods. This depiction as a water-bearer stands to this day.   The Stars of Aquarius In the official IAU chart of Aquarius, the figure of the water bearer is accompanied by a number of other stars that exist in this region. The brightest star is called alpha Aquarii and, like beta Aquarii, is a yellow supergiant star. They are G-type stars and are several times more massive than the Sun. Alpha Aquarii also has the name Sadalmelik, while beta is also called Sadalsuud.   The official IAU constellation star chart. IAU/Sky Publishing   One of the most fascinating stars in this constellation is R Aquarii, a variable star. R Aquarii is made up of a pair of stars: a white dwarf and another variable, which orbit each other once every 44 years. As they circle their common center of gravity, the white dwarf member pulls material from its partner. Eventually, some of that material erupts off the white dwarf, which causes the star to brighten considerably. The pair has a nebula of material surrounding it called Cederblad 211. The material in the nebula may be associated with the periodic outbursts that this star pair experiences.   Image made from HST imagery of R Aquarii. The pair of stars is surrounded by material lost from one of the pair. STSCI/NASA/ESA/Judy Schmidt   Avid meteor shower watchers may be familiar with the three showers that seem to emanate from Aquarius each year. The first is the Eta Aquariids, which on the 5th and 6th of May. This is the strongest of the three and can produce up to 35 meteors per hour. The meteors from this shower come from materials shed by Comet Halley as it travels through the solar system. The Delta Aquariids that peak twice: once on the 29th of July and again on the 6th of August. Its not quite as active as its sister shower in May, but still worth checking out. The weakest of the three is the Iota Aquariids, which peak on August 6th each year.   Deep-sky Objects in Aquarius Aquarius is not close to the plane of the galaxy where many deep-sky objects exist, but it nevertheless sports a treasury of objects to explore. Observers with good telescopes and binoculars can find galaxies, globular cluster, and a few planetary nebulae. The globular cluster M2 can be seen with the naked eye under good conditions, and a telescope reveals much more detail. M2 is a tightly packed globular cluster. Its shown here in an image by Sean X. Curry. Sean X Curry, CC BY-SA 4.0 Also worth exploring is a pair of planetary nebulae called the Saturn Nebula and the Helix Nebula. These are the remains of stars in their death processes. In the not-too-distant past, they gently pushed their outer atmospheres off to space, leaving behind beautiful glowing clouds surrounding the leftovers of their progenitor stars. In a few thousand years, the clouds will dissipate, leaving behind a pair of cooling white dwarfs. The Helix Nebula as seen by HST and CTIO; bottom image is a 3D computer model of this dying star and its nebula. STScI/CTIO/NASA For a more challenging observation activity, sky-gazers can seek out the galaxy NGC 7727. It lies about 76 million light-years away from us. Professional astronomers are studying long streamers of gas that emanate from the galaxy, which is classified as a peculiar galaxy due to its odd shape. NGC 7727 is likely in the final stage of a galaxy merger, and will eventually become a large elliptical galaxy in the distant figure.

Sunday, November 3, 2019

Describe something you have accomplished that makes you proud. what Essay

Describe something you have accomplished that makes you proud. what did you learn from this experience that might help you to ensure high academic achievement for all of your students - Essay Example When I was in college, I was married and I had two children at that time. Studying when one is married and has responsibility of children, cannot be considered an easy task. Studying requires enough time and at graduation level, it is also difficult. I learnt a lot when I studied at the college. I used to keep in mind that I would achieve my aim of obtainment of graduation degree because of my continuous struggle and hard work. I was to give time at my household and also to my studies. While studying for the bachelor’s degree, I learned to manage time and to work hard that plays a crucial role in everybody’s life. Management of time as well as hard work can be regarded as the most important aspects that we have to consider and exercise every time. My experience teaches me that time management and work should not be neglected in any case because if the aspects of time management and hard work are ignored, a person cannot succeed in his/her life. Success is directly attached to time management. In student life, a person learns to manage time. When one appears in the exam, it is only time management that helps him/her. As far as teachers are concerned, time management is also crucial. I was always attracted towards the profession of teaching. While being a student, I also learnt about being a teacher by means of my experiences in my college life with my teachers. As a teacher, my experience of being at a college will be very helpful for my students. I will facilitate with my experience of time management for their educational accomplishments and also, that a person can only succeed if he/she manages time and never loses courage towards the completion of his/her ambition. In my degree education, I never lost heart and struggled for the completion of my bachelors and also I managed time to succeed in my set aim. Pride can only come to a person when he/she

Thursday, October 31, 2019

JPMorgan Chase Research Paper Example | Topics and Well Written Essays - 750 words

JPMorgan Chase - Research Paper Example 1. Discussion on How Administrative Agencies Like The Securities And Exchange Commission (SEC) Or The Commodities Futures Trading Commission (CFTC) Take Action In Order To Be effective in preventing high-risk gambles in securities / banking, a foundation of the economy In the modern day context, financial sector forms a major part in the economic system of any country, irrespective of its global positioning. The fact can also be observed evidently even in the case of the US, which faced massive turmoil due to the downfall of JPMorgan Chase, a large financial services firm supposedly considered to a pillar of the US economy. In order to maintain legitimacy in these firms, the US government has been making attempts to regulate the financial dealings and the transparency of these organizations through the imposition of various policy measures. Correspondingly, many governmental bodies have been set-up, which are solely responsible to monitor the activities of the US financial system. For instance, the administrate agency, Commodities Futures Trading Commission (CFTC) helps in regulating the trading of options and futures as well as the banking sector. The CFTC, in order to prevent the high risks in securities or banking sectors, has been involved in implementing effective programs to trace and take actions against unethical behavior in the business process. Therefore, it protects the economy from many types of frauds related to commodity market, foreign currency trading, commodity pool participants and brokers activities (U.S. Commodity Futures Trading Commission, n.d). The important elements, which are required to form a valid contract, usually involve an offer with a legal purpose by the offeror, free consent of the offeree, acceptance, consideration, competent parties, mutuality of obligation (Texas.gov, n.d.). Today, in the US, the customers are considered as a valuable asset for the banks