Intension to Use Mobile Banking in Myanmar

Htet Khine Soe Student of Graduate School of Business, Assumption University, Thailand Rawin Vongurai, Ph.D. Lecturer of Graduate School of Business, Assumption University, Thailand  Literature ReviewMobile banking is studied the most value-adding and necessary mobile commerce application (Baptista and Oliveira, 2015; Malaquias and Hwang, 2016; Chaouali, W., Souiden, N. and Ladhari, R. (2017)). Laukkanen and Kiviniemi (2010) defined mobile banking as â€Å"an interaction in which a customer is connected to a bank via a mobile device such as a cell phone, smartphone, or personal digital assistant†. Mobile banking services admit the customers to check account balances, transfer funds between account to account, and make mobile top-up bill and others payments. They have a huge potential market because of their always-on functionality and the option for customers can open their own mobile wallet accounts at anywhere of without needing to pay a visit to the bank.Perceived ease of use (PEOU)Davis (1989) described the perceived ease of use that â€Å"the degree to which a person believes that using a particular system would be free of effort†. It is the terms which a customer believes that a system is easy to learn or use. This system is similar to the complexity system used in innovation diffusion theory (IDT) (Rogers, 1995). Mobile banking technology should be simple and easy for the customer to understand in order to enhance acceptance (Chitungo and Munongo, 2013; Mortimer, G., Neale, L., Hasan, S.F.E. and Dunphy, B. (2015); Koksal, 2016). The factors affects the complexity in mobile banking system such as navigation problems, a small screen size, and transaction issues. Venkatesh (2000) found the perceived ease of use by integrating internal control (computer self-efficacy) and external control (facilitating condition) into technology acceptance model (TAM). The other studies (Davis, 1986, 1989) also pointed that perceived ease of use can impact perceived usefulness because other item being equal the easier the technology is to use the more useful it can be. The research in mobile banking system shows that perceived ease of use has significant effect on perceived usefulness.Social influence (SI)The theory of reasoned action (TRA) and its additions (Fishbein and Ajzen, 1975) require that human behavior is followed by intentions, which are designed based on an individual's attitude towards the behavior and perceived subjective norms. Venkatesh et al. (2003) represented subjective norms as social influence, which is derived from theories such as theory of reasoned action (TRA), theory of planned behavior (TPB), decomposed theory of planned behavior DTPB, TAM2, C-TAM-TPB, the model of PC utilization (MPCU), and image in IDT. Social influence mentioned an individual's perception of other people's opinions if he or she should perform a particular behavior. The studies of mobile banking adoption have shown a relationship between social influence and intention to use mobile banking (Laukkanen et al., 2007; Amin et al., 2008; Riquelme and Rios, 2010; Puschel et al., 2010; Sripalawat et al., 2011; Dasgupta et al., 2011; Tan and Lau, 2016).Computer self-efficacy (CSE)The derivation of self-efficacy is social cognitive theory (SCT) (Bandura, 1986). Self-efficacy expectation is the â€Å"conviction that one can successfully execute the behavior required to produce the outcomes† (Bandura, 1977). Additional, â€Å"expectations of self-efficacy determine whether coping behavior will be initiated, how much effort will be expended, and how long it will be sustained in the face of obstacles and aversive experiences† (Bandura, 1977). Self-efficacy belief is termed computer self-efficacy, which is termed as one's perception of his or her ability to use a computer (Compeau and Higgins, 1995). In the mobile banking, if the customer believes that he or she has the required knowledge, skill, or ability to operate mobile banking, there is a higher chance of trying to usage the service. Through this hypothesis, the study explores whether a customer has the self-confidence to use mobile banking. Previous studies have exposed empirical evidence of a causal link between perceived ease of use and self-efficacy (Luarn and Lin, 2005; Wang, Y.-S., Lin, H.-H. and Luarn, P. (2006); Sripalawat et al., 2011; Jeong and Yoon, 2013).Perceived financial cost (PFC)The cost incurred in conducting mobile banking could slow its adoption. In the mobile banking, the cost has been found to be a major barrier to adoption (Yu, 2012; Hanafizadeh, P., Behboudi, M., Koshksaray, A.A. and Tabar, M.J.S. (2014); Alalwan, A.A., Dwivedi, Y.K. and Rana, N.P. (2017)). The cost incurred consist of the initial purchase price, equipment cost, subscription charges, and transaction cost. Perceived financial cost is the extent to which a person believes that using mobile banking would be costlier than other options (Luarn and Lin, 2005).Security (S)Security is a serious concern when conducting financial transactions through electronic channels. Hence, this could be one of the main barriers to the adoption of mobile banking, as personal or financial information could be exposed and used for fraudulent activities. Kalakota and Whinston (1997) defined security as â€Å"a threat which creates circumstances, condition, or event with the potential to cause economic hardship to data or network resources in the form of destruction, disclosure, modification of data, denial of service and/or fraud, waste, and abuse†. Mobile banking contains more uncertainty and risk to the customer. In the mobile/wireless environment, security can be considered as the mobile payment-enabling application security, network security, and device security. The security mechanism of mobile banking has a positive effect on intention to use.Trust (T)Trust can be defined as the willingness to make one vulnerable to actions taken by a trusted party based on the feeling of confidence or assurance (Gefen, 2000). Masrek et al. (2012) defined trust in mobile banking as â€Å"the belief that allows individuals to willingly become vulnerable to the bank, the telecommunication provider, and the mobile technology after having the banks, and the telecommunication provider's characteristic embedded in the technology artefact†. Trust shows a significant role in the adoption of mobile banking, helping customers overcome the fears of security/privacy risks and fraudulent activities in the mobile channels (Gu et al., 2009; Zhou, 2011; Afshan and Sharif, 2016). Trust is improved by the security mechanisms provided by mobile banking services. Customers are more likely to trust the new service if adequate security is provided for their transaction data. The researchers such as Komiak and Benbasat (2004) have noticed trust from the emotional point of view and defined as the extent to which an individual feels secure and confident about relying on the trustee. Ennew and Sekhon (2007) have defined the trust as â€Å"individual's willingness to accept vulnerability on the grounds of positive expectations about the intentions or behavior of another in a situation characterized by interdependence and risk.† This definition combines both the emotional as well as cognitive dimensions of trust. Therefore, consumer trust could be described as a function of the degree of risk involved in the situation and it is basically needful only in uncertain situations.Behavioral intentions (BI)Intention is defined as a prediction of actual behavior in socio-psychological studies (Bagozzi, 1989). The studies evidenced that intention is a prediction of actual behavior. Bae (2014) point out that intentions are powered by a person's attitude, norms an d self-control. This study is founded Ajzen's Theory of Planned Behavior. The theory is used for behavioral intentions. It emphasize that a person's behavior is intentional is the result of attitude, subjunctive norms and self-control. Behavioral intention is also described as the extent to which users are willing to use a technology (Carlsson, Carlsson, Hyvonen, Puhakainen ; Walden, 2006). The subjective norm construct for behavioral intention is the most supreme antecedent (Ajzen, 1991). The theory of planned behavior (TPB) explains the purchase intention (Ajzen ; Madden, 1986). The theory of reasoned action (TRA) describes that performance of behavior is presented by the intention to carry out the behavior itself (Warshaw, 1980). The theoretical studies point out that intentions predicts a person's behavior. This view align with a context of BI to use customer intention of mobile banking system for this system.Research Framework and MethodologyResearch ObjectiveThis study proposed to identify the factors influencing acceptance and adoption of mobile banking systems in Myanmar and develop the behavioral intention to use the mobile banking in the Myanmar banking sector.Conceptual FrameworkThe conceptual framework of the study is adopted from the theoretical framework of Intention to use mobile banking in India (Sindhu Singh and R.K. Srivastava, 2018). The framework using in this research to find the customer intention to use the mobile banking system in Myanmar. To these study the factors consists of self-efficiency, perceived ease of use and social influence and intention to use. The other factors included security, Trust, and perceived financial cost, which are recognized to influence mobile banking acceptance(Luarn and Lin, 2005; Lee et al.,2007; Zhou, 2011; Yu, 2012; Hanafizadeh et al., 2014; Afshan and Sharif, 2016). The bank customer has many digital payment system to use than mobile banking where these six constructs play an important role. The study aimed that if the mobile banking system is easy to use, customers have the self-confidence to use and it is secure, trustworthy system, and cheaper than other digital payment system, more customers will be willing to use mobile banking system. Thus, the conceptual framework is developed to study the factors of influencing to use mobile banking in Myanmar as shown in Figure 1.HypothesisThe hypotheses of this research based on the conceptual framework to find the relationship between Self-Efficacy, perceived ease of use, Social Influence, Security, Trust, perceived financial cost that influence the customer intention to use the mobile banking in Myanmar. There are four hypotheses in this study are as follow;H1:Self-efficacy has significant influence on perceived ease of value of mobile banking system.H2: Self-Efficacy (H2a), perceived ease of use (H2b), Social Influence (H2c), Security (H2d), Trust (H2e), perceived financial cost (H2f) have significant influence on intention to use mobile banking system.H3: Security has significant influence on Trust of mobile banking system.H4: There is a significant mean difference in monthly income level on intention to use mobile banking system.Reliability MethodologyThis research was conducted by performing the qualitative analysis for the adoption of mobile banking systems in Myanmar through a survey method. The survey was carried on in form of online and offline questionnaire to collect all required data. The convenience and snowball sampling techniques were used as non-probability sampling for the data collection. There are three parts of in questionnaire which are screening question, Likert scale and demographic. Measurement of Conceptual Framework and Variables The target respondent of this research were people who live in Myanmar and have used mobile banking system. The literature review was conducted to ensure that the model were appropriate for developing the conceptual framework and to understand all variables incorporated in this study. A five-point Likert scale was applied to test all hypotheses by ranking from strongly disagree (1) to strongly agree (5) throughout this study to measure the hypotheses. Population and sample The research questionnaire was distributed through the online and offline based survey with 200 respondents answered to the survey. The questionnaires have been distributed using sampling techniques of the convenience and snowball methods in order to obtain the data. The people who live in Myanmar continuously 6 months and have used the mobile banking system were selected as target respondents for this study.Reliability TestThe reliability test and validity of the questionnaire was established the pilot test by distributing 30 respondents. Cronbach's Alpha Coefficient was considered to examine the reliability level of each group of items included in the questionnaire. The test result of independent variable is consistent the requirement standard with Cronbach's Alpha Coefficient higher than 0.6 (Cronbach, 1951). The Cronbach's Alpha Coefficient result in a range between 0.733 and 0.899 which is greater than 0.6. Therefore, the questionnaire developed for this study is fully achieved the standard required for reliability test. The result is shown in Table 1. Table 1:Consistency of the scales test (N=30)Variables Number of items Cronbach's AlphaPerceived ease of use (PEOU) 2 0.752Social Influence (SI) 3 0.733Computer self-efficacy (CSE) 2 0.789Security (S) 3 0.842Perceived financial cost (PFC) 3 0.748Trust (T) 4 0.836Behavioral Intention (BI) 4 0.899

Discuss the Impact of Newly Industrialised Countries

Geography Past Paper Question: June 10 * Discuss the impact of Newly Industrialised countries (NICs) on the global economy. The NICs originally attracted a lot of inward investment such as FDI from TNC's which originated from MEDCs. The reasons were that NICs had a large labour force which worked for cheap wages. They also had cheap land, friendly govt legislations, cheap available raw materials and reduced import and export tariffs. The manufacturing industry was first to move and so the NICs became more focused on the secondary sector while the source countries (MEDCs) became tertiary sector economies.This is a disadvantage for most of the MEDCs as they will face periods of structural unemployment where the unskilled workers who could only do manufacturing work will be unable to find jobs. The NICs will have reduced unemployment since a lot of jobs will be made available; requiring low levels of work based skills. On the other hand, due to the lower costs of production for the TNCs , they will be able to sell products for cheaper prices and so this will benefit the global economy.It will also benefit the NICs as they will face increased demand for their services and their population would face glowing job prospects. After a while, the NICs tend to become countries where TNCs originate from. Examples of this could include â€Å"TATA† from India which operates in many sectors such as communications and information technology, engineering, energy, consumer products and chemicals. TATA are now trying to move out of India as it is becoming increasingly expensive to operate in the country. They are moving to other developing countries such as Brazil and Mexico who are now considered as NICs themselves.According to Rostow's model, we can see that most NICs will go through the stages of specialisation and industrialisation after which they will start to not rely on investment and imports from other countries. The Asian tigers have already gone through the stage s and now are able to provide for themselves rather than relying on investment. China and India are currently receiving growing investment but a few TNCs from those countries have started to outsource from other countries who are in the transitional stages such as Brazil.China and India will soon become developed countries such as the Asian Tigers and the focus will then shift to the other ‘BRICS' countries. To conclude, NICs have a largely positive impact on the global economy as they enable TNCs to provide goods and services for cheaper prices to international markets. On the other hand TNCs cause increased unemployment in the country they move production from. However, most of the affects are positive as NICs are allowed to become developed countries in the long term and new countries can then go through the same process such as India and Brazil respectively.

Literary Technique in “The Story of an Hour” and “A Rose for Emily”

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World History The Eugenics Debate Essay Example | Topics and Well Written Essays - 500 words

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Factors Affecting the Efficiency of Ball Mill Essay Example for Free

Factors Affecting the Efficiency of Ball Mill Essay Ball mill is the key equipment for grinding after the crush process, and it is widely used in the manufacture industries, such as cement, silicate, new building material, refractory material, fertilizer, ferrous metal, nonferrous metal and glass ceramics, and ball mill also can be used for the dry and wet grinding for all kinds of ores and other grind-able materials. 1, The impact of media materialThe generally used crushing media mateial include: various mine materials (manganese, copper, tungsten ore, chrome ore, etc. ), various types of stone (limestone, granite, gneiss, basalt, gray rock, etc. and industry coal used in power. The hardness of the media is the main basis that determines the liner plate wear, the higher hardness of the media, the shorter service life of the liner, on the contrary, if the media is with a lower hardness, the service life of the liner will be prolonged. 2, The impact of operating conditions1) Eliminate defects not timely. 2) Adjusting undeservedly makes the ball mill running at a short positions. 3, The impact of liner materialThe main parameters affecting the anti-wear effect is matching of the two index of hardness and impacting toughness of liner material. If the liner plate has a higher hardness, which means it has a good wear resistance, and the two factor basically is a proportional relationship. The impacting energy depends on the size of the diameter of steel ball and grinding tube. 4, the impact of the ball mills designing and manufacturing and the installing quality. The performance of the lining plate generally include the following two: one is to protect the cylinder; another is that the liner plate rotates at a specific speed to raise the ball to the required height to achieve the desired effect. The quality of the liner plate is also direct factor affecting the normal operation of the mill. Those above are the main factors affecting ball mill liners, we recommend that you should firstly consult the expert before you buy a ball mill. And youd better go to the manufacturers with strength production and reputable brand purchase. The structure is divided into integral type and freestanding type. Advantages of the machine are lower investment, energy saving, structure novelty, easy and safe to operate, stable and reliable performance, etc. It is suitable for mixing and milling of general and special materials.

Oedipus the King Essay Example for Free

Oedipus the King Essay In Sophocles Oedipus the King, the themes of fate and free will are very strong throughout the play. Only one, however, brought about Oedipus downfall and death. Both points could be argued to great effect. In ancient Greece, fate was considered to be a rudimentary part of daily life. Every aspect of life depended and was based upon fate (Nagle 100). It is common belief to assume that mankind does indeed have free will and each individual can decide the outcome of his or her life. Fate and free will both decide the fate of Oedipus the King. Both sides of the argument can be greatly supported. The Greeks believed in the idea that personality of the individual greatly affected his or her life (Nagle 120). Their personality was what decides their own free will. A wise man will make good decisions in his life; an ignorant and stubborn man wont be so fortunate. The character traits of a person have a certain positive or negative affect on the choices that he or she makes. For Oedipus, one of these attributes was the desire for knowledge and truth about his own existence. This driving force in the play led to the truth of his origin. This ties in with his own aspect of free will. His free will is based on his drive for knowledge. Throughout the entire play, Oedipus pushes Tiresias, Creon, Jocasta, the oracle, the messenger, and the shepherd for information regarding his beginnings. Each one of these characters in some way or form refused to give him a thorough answer. As he draws closer to the answer, another character tries to stop his journey. Oedipus continues moving onward even though others request he didnt. Oh no, listen to me, I beg you, dont do this. Listen to you? No more. I must know it all, see the truth at last (Sophocles 195). His desire for truth kept pushing him to continue his search, ultimately leading to his downfall. The entire time Oedipus had the capability to discontinue the plight. However he made the independent decision to continue. Another instance where choices directly linked Oedipus to the prophecy was at the crossroads. Oedipus demonstrates an important trait in his character, stubbornness. This trait is visible when Oedipus reacted to the man pushing him aside at the crossroads. the one shouldering me aside, the driver, I strike him in anger! . I killed them allevery mothers son! (Sophocles 189). In ancient times when a caravan was coming down the road they usually pushed you to the side. Oedipus didnt like this and flipped out, killing all of them. It was his stubbornness that caused this to happen. His personality led to the decision to kill the caravan and unknowingly, his father too. If he were a wise and content man, then his decision would have differed. When Oedipus defeated the Sphinx by solving the riddle, he could have refused to take the missing kings throne. He could have also declined to marry the former kings wife, unaware that the queen was his own mother. He accepted both of these without any regrets. If his decision was different it might have altered the course of events in the future. His personality made sure that the decisions went the way they did. These choices were made by Oedipus with his own free will, his own decisions. He didnt have to accept these gifts, but did none the less. These conclusions would lead to his own demise, but they were his own mistakes, not fate. Free will can also be found in the actions of Jocasta and Laius. The choices they made were not made by their own judgement, but rather reactions to a situation that neither of them was prepared to deal with. Upon hearing the prophecy that foretold the future sins in their household; they made a harsh decision out of fear. They had little Oedipus sent to die at the foothills of a mountain. This reaction seems very cruel, but back in ancient times it was very natural. Being that an oracle foretold the prophecy, Jocasta and Laius responded as any Greek parents would. They solved the problem by removing Oedipus from the equation, but in the end their decision wasnt the right one. This leaves the readers of the play to wonder what might have happened if Jocasta and Lauis never sent Oedipus to die as an infant. Would the prophecy still have taken place? It seems that it wouldnt have, because Oedipus wouldnt have engaged in the misled wandering after he left his adopted home. Oedipus would have had no reason to fulfill the prophecy, but that is another question that we dont know. On the other hand, if Oedipus didnt listen to the prophecy suggested to him in Corinth, he never would have returned to Thebes to carry out his destiny. All these instances can be looked at that free will was the deciding factor. Was it really? Fate can also be looked upon in every instance, equally a strong argument against free will. Oedipus desire for knowledge can also be looked at by the standpoint of fate. He was born with his own stubbornness. The Gods themselves made him that way and it can not be changed. No matter what his decisions were, their gift to him will lead to the path they gave him. He cant escape the fate the Gods have given him. He kept pushing farther and father, but it just led to his downfall. Nothing he could have done would have stopped that. The prophets make this clear in their prophecies throughout the text. All the premonitions they say come true. They cant be avoided because the Gods made you with your personality and it controls your life. Ultimately they control you. When Oedipus reaches the crossroads, it was fate that led to the events that took place. Short work, by god-with one blow of the staff (Sophocles 189). This quote reveals that the gods did play apart in the events that took place. Oedipus prophecy was to kill his own father. Unwillingly because of his stubbornness Oedipus struck down and did indeed kill his father. Because the gods gave him this trait, his fate was unavoidable. The traits of Oedipus would generate the right sequence of events that would eventually lead to his prophecy coming true. Oedipus personality was the cause of the events. His free will blended in with the fate given to him by the gods. All together it was fate that decided these actions. The prophecy given to Lauis and Jocasta is also another example of unavoidable fate. Even though it wasnt there own choices to get rid of their son, their reaction to the prophecy set up the events for the future. If they never sent Oedipus to die at the mountainside, he most likely never would have killed Lauis at the crossroads. Their reaction was to a message given to them by the Gods. The Gods dictated what was going to happen. They told the prophet to give out the prophecy. Leading to the vanquishing of little Oedipus. All along every action leads to ones fate in life. The greatest show of fate in the text is when Oedipus gauges his eyes out with the golden clips. He does this in reaction to the events that take place. Oedipus was aware that he alone was responsible for his actions and gauged his own eyes out. That is the free will standpoint on the issue. Oedipus was at the same time not responsible for his actions. The gods controlled his personality and therefore controlled the outcome of his life. If Oedipus realized this he might not have taken his own sight. The gods use their power to provoke humans free will. They were responsible for the demise of Oedipus, but in the same time convince the human that it was there fault. Free will and fate can be related to every aspect of Oedipus the King. The gods who control fate manipulate the thinking and concepts in humans free will. Ultimately fate is what overcomes all. It may not seem like it, but free will was given to mankind by the gods or God. So in turn the gods decide the fate of everybody when they created man. It was already decided and can not be changed. One can still argue the position that free will is more dominant, but if you relate to creation and how the gods made man, fate overcomes. In Oedipus the King, Sophocles made it clear to his fellow Greeks that mankind has the ability, even with prophecies and oracles, to make choices free from influence of divine forces. He also shows that fate does play a part in humans lives too. They tie into each other for a direct balance. Overall, fate is the divine power that controls free will and determines ones life.

Market analysis for cadburys

Market analysis for cadburys Cadbury  was a British  confectionery  company, the industrys second-largest globally after the combined  Mars-Wrigley.[2]  Headquartered in Cadbury House in the Uxbridge Business Park in  Uxbridge London Borough of Hillingdon,  England  and formerly listed on the  London Stock Exchange, Cadbury was acquired by  Kraft Foods  in February 2010. The company was an ever-present constituent of the  FTSE 100  from the indexs 1984 inception until its 2010 takeover.[3][4] . What products or services does it offer customers? At what price(s)? Products Main article:  List of Cadbury products Cadbury plc manufactures chocolates and sweets such as the popular  Cadbury Dairy Milk. Notable product introductions include:   Cocoa Essence  Easter Eggs   Milk Chocolate Cadbury Fingers   Dairy Milk   Bournville  Chocolate   Milk Tray Flake Creme Egg Crunchie   Roses   Fudge   Dairy Milk Buttons   Picnic Curly Wurly   Wispa  (relaunched 2007)   Boost Twirl Time Out   Fuse Brunch Bar,  Dream  and  Snowflake Cadbury dairy milk silk  (richer, finer milk chocolate) and  Wispa Gold Prices of sme of its products Boost High Protein Nutritional Energy Drinke:  $35.955 Cadbury Dairy Milk Bar of Plenty Berry Fruit and Vanilla Shortcake 140g.  Price:  Ã‚  Ã‚ £2.34   Cadbury Dairy Milk Bar of Plenty Toffee Apple and Roast Hazelnut 140g.  Price:  Ã‚  Ã‚ £2.34   boost High Protein Energy Drink, Vanilla, 8 oz, 6 pk $10.69 Cadbury Dairy Milk Silk, a brand priced at Rs 49 for 69 grams and Rs 99 for 160 grams available in Milk chocolate, Roast Almond and Fruit Nut variants. The company aims to position Silk as smoother, creamier and chunkier. Who are its customers and what do they want? Its main customers are children and youngsters especially girls. They want Cadbury chocolates to be Very creamy delicious taste and widely available.   it still smells nice. One Pound for one hundred grams is good value, Nice box Presentation reasonable price yummy . Who are its competitors and how does the company differentiate itself from its competitors. Within Chocolate, its interesting that Cadbury is a very small player outshone by Nestle, MM Mars (now called Masterfoods) and Hershey. Cadbury is a distant 4th. But, in Canada Europe, Cadbury is a huge player perhaps #2. This is because Cadbury Schweppes is British based and hence has a much larger presence in Europe, Canada Australia. Within Confections (e.g. gum, hard candy), competitors would include Wrigleys. Within Soft Drinks, Cadbury Scheppes is a distant 3rd, with Coke in the lead, followed closely by Pepsi. Interestingly enough, I think that 7-Up, one of Cadburys products, is actually sold by Pepsi outside the US. Within Juices Juice Drinks, competition is w/ Coke (e.g. Minute Maid, Hi-C) and Pepsi (e.g. Tropicana, Gatorade, Brisk Iced Tea), Ocean Spray, Welchs and many smaller players. Within Fruit Snacks, Dole Del Monte are the largest competitors. the corporate site has a lot of stakeholders: shareholders, potential investors, journalists, job-seekers, employees, analysts financial and sustainability, suppliers, partners, customersà ¢Ã¢â€š ¬Ã‚ ¦ There needs to be somewhere that at least the core facts about the company can be found by all these people, for convenience as well as for legal reasons.  adbury monitor the production process by using total quality   management to ensure that the chocolate/products that are produced are   of a high quality and meet the needs of the customers, this is vital   for Cadbury because they produce chocolate products mainly which has a   lot of substitutes, this means that customers could loose interest in   Cadbury products if their demands are not met or thought about.  An alternative quality assurance method that Cadbury could use is   benchmarking. Benchmarking is a method for comparing the performance   of one business against another, this would of an advantage to Cadbury   because they could compare their sales figures, production figures etc   against a major competitor (Nestle for example), the comparisons would   help Cadbury to set aims and goals for the business itself and once   the aims have been met it may almost be certain that Cadbury is   outperforming its competitor.   However the competitor that Cadbury choose has to be near enough the   same size business as Cadbury, this is to make the benchmarking fair.   As well as the above benchmarking will help Cadbury to do better than   their competitor(s).   . How do they communicate with customers and how do they sell their product to customers? Cadbury have continued their innovative work but off the corporate site. The Cadbury approach seems to be to maximise the brand benefits they can get from their customer-facing social media outposts, while retaining the static and more corporate information on the corporate site. There are hundreds of thousands of fans of Cadbury fans on Facebook. These are mostly brand pages (Dairy Milk: two pages with over 400,000 fans; Creme Eggs: two pages, with over 500,000 fans; Mini Eggs: two pages with over 300,000 fans à ¢Ã¢â€š ¬Ã‚ ¦ and thats just on the first page of results). But there is also a corporate page with over 248,000 fans, and even a page for their recent Eyebrows advertisement campaign with nearly 225,000 fans. That is more than a glass and a half of customer loveà ¢Ã¢â€š ¬Ã‚ ¦ Cadbury is clearly doing something very right here; Facebook works well for them, and they are making the most of their advertising successes, and welcoming the mashups and spoofs that their loyal customers create. (Youll no doubt remember the  Mars/Snickers  episode from a few months ago). But it isnt just Facebook: there are many Cadbury inspired videos on YouTube, and theres at least oneCadbury channel. There also seem to be several Cadbury-owned Twitter accounts (such as  @ButtonsFOTF,@haveyouearnedit,  @Cadbury_Gorilla  and  @GoingFairTrade). These are the only ways through customers get attracted towards their different brands of chocolate and they sell their products.

Macbeth :: essays research papers

During the Elizabethan Age, Shakespeare was the greatest author and drama writer. He wrote such masterpiece tragedies such as Romeo and Juliet, Hamlet, and Othello. Perhaps the greatest of them all is the story of Macbeth. In the play, the first Thane of Cawdor, Duncan, Banquo, Lady Macbeth, and Macbeth all are considered to have flaws which to a greater or lesser degree is the cause of their downfall.   Ã‚  Ã‚  Ã‚  Ã‚  In the second scene of the play you learn that Scotland is in war with Norway. King Duncan has learned that the First Thane of Cawdor was helping out the Norwegians. His assistance cost him his life. For treason, King Duncan ordered the first Thane of Cawdor to be executed and have Macbeth take his title. Though the first Thane of Cawdor was never actually in the play itself, the reader has to take the word of the Thane of Ross he was a traitor. â€Å"Assisted by that most disloyal traitor The Thane of Cawdor, began a dismal conflict.† (I ii 52-53)   Ã‚  Ã‚  Ã‚  Ã‚  After Macbeth is given the title of the first Thane of Cawdor, King Duncan decides to visit the successful captain and be a guest at his house. Duncan doesn’t know that it is supposed to be Macbeth’s destiny to become king. Lady Macbeth and Macbeth decide to come up with this plan to kill Duncan in his sleep. Duncan was simply there congratulating Macbeth on his recent accomplishments. He had no idea of the trouble he was getting himself into during his stay at Macbeth’s. The only real flaw you can give to Duncan is that he should have had someone watching over him like a bodyguard, or that he should have been more suspicious about his hosts.   Ã‚  Ã‚  Ã‚  Ã‚  The reason of Macbeth’s slaughter of King Duncan was the idea that he was the rightful King. The three witches had told him he would be the first Thane of Cawdor before he was given the rank. They also said that he would eventually reign as king. Besides Lady Macbeth who knew about the three witches, the only other person to know about them was Banquo. He automatically was considered a threat to Macbeth. â€Å"For Banquo’s issue have I filed my mind, for them the gracious Duncan I have murdered.† (III I 65-66) Macbeth is ordering the execution of Banquo. Banquo could have saved himself because he saw that the danger lies ahead for him.

Little Red Riding Hood Analysis Essay -- Fairytale Literary Analysis

Little Red Riding Hood can no longer be considered a frail child without any control over what becomes of herself. Instead, Angela Carter makes the moral of this traditional fairytale into a modern day lesson: you can do anything. With great detail does Carter present her setting, which adds to the fearfulness the reader feels for Red as she encounters the wolf. As a result, we begin to fear the wolves as well, because in this small village wolves are more than mere beasts, they are were-wolves. Carter sets the scene for our pre-adult heroine who is afraid of nothing even though the whole town is ripe with fear. Women and children are taught to stay indoors at night while the men fear for their own humanity. Despite all of this Little Red Riding Hood has no qualms about setting off into the woods to get to grandma’s house. Why does she not fear what all girls do? Based off the feministic elements, the act of sacrifice and applying our own abilities to a situation we understand much more about Red than before. â€Å"It is a tale of girl becoming . . . more than just meat or nourishment for the quest.† states Wendy Swyt about Carters version of Little Red. The idea that Little Red knew what she was giving up in order to gain her life gives a chilling realism to difficult decisions we must face in our own lives. Swyt gives the understanding that Little Red has something to teach us yes, but maybe for Carter that lesson surely is not ‘don’t talk to strangers’. In fact, I argue Carter wants us to, because only in this way can we prove ourselves. In Girard’s â€Å"Violence and the Sacred†, violence and the act of sacrifice is a way for society to be kept in balance. Not only is Little Red a victim, so are the were-wolves in this story. Specifi... ...d the ability to manipulate, the situation one can turn a bad situation into one that need not be feared. Works Cited Carter, Angela. â€Å"The Company of Wolves.† The Bloody Chamber. Penguin Books. New York: 1979. Pages 110 – 118 Girard Rene. Violence and the Sacred. Excerpt from Chapter One: â€Å"Sacrifice†. The Johns Hopkins University Press. Baltimore Maryland 1977. Pages 2-16 Swyt, Wendy. "'Wolfings': Angela Carter's becoming-narrative." Studies in Short Fiction 33.3 (1996): 315+. Literature Resource Center. Web. 30 Nov. 2010. Zipes, Jack. "The Trials and Tribulations of Little Red Riding Hood." The Trials and Tribulations of Little Red Riding Hood. Routledge, 1993. 17-88. Rpt. in Literature Criticism from 1400 to 1800. Ed. Lawrence J. Trudeau. Vol. 56. Detroit: Gale Group, 2000. Literature Resource Center. Web. 29 NOV. 2010.

Euthanasia Essay -- Ethical Issues, Physician Assisted Suicide

It is the principle of conduct which requires us (healthcare workers) to act in a way that benefits others (patients) by preventing or removing harm, or more directly acting to produce a good Due to the nature of the job, it can be said that nurses often have to deal with the situtaion of ethical dilemas. Because we live in a culturaly diverse society, our values are not necessarily the same. This often gives the leeway for ethical dilemas such as, whether euthanasia and assisted suicide are moraly right or wrong. Euthanasia is defined as "a deliberate intervention or omission with the express intention of hastening or ending an individual's life, to relieve intractable pain or suffering" (Sanders, 2007). Assisted suicide refers to making available to an individual the means (for example, pills or a weapon) to take his or her own life† (Michele, 2004). Euthanasia and assisted suicide are argued to be done to relieve a patient from pain and suffering, however that can be countered. It is important for one to consider the reasoning behind why people ask for euthanasia or assisted suicide. In the case of Mr. Maxwell, who is diagnosed with Multiple Sclerosis for m ore than 10 years and is requesting for euthanasia. Morally, I do not support his request to remove his ventilator because it is unethical. This paper focuses on why euthanasia and assisted suicide are wrong from the perspective of autonomy, nonmaleficence and rule-utilitarianism. Very good ï Å  Autonomy Autonomy is usually used to justify the act of euthanasia and assisted suicide. Autonomy is said to be the right to self-government. "Within the contexts of moral and bioethical philosophy it is the capacity of a rational individual to make an informed, un-coerced d... ...st cases, they are not well informed about other options they might have. It is the role of the nurse to provide the patient with other alternatives other than suicide. "The autonomy of the patient is important, but not absolute.† (Quadhebeur, 2009) Realizing that the nurse's role is not to do harm is as well important, because when nurses are seen as both care givers and killers, it makes it hard for patients to put their trust on nurses. As the rule utilitarian will argue, it is important to do what is morally right. Not killing an innocent human being is right in this situation, and this theory should be adhered to. Finally, it can be argued that "euthanasia is too drastic an intervention to be used for patients at the end of their life; this is because it makes dealing correctly with death almost impossible and it is also irreversible" (Quaghebeur, 2009).

Intellectual Property Rights: Copyright and Patent

Term Paper: Intellectual Property Rights: Copyright and Patent BY Indra2002 Term Paper: Intellectual Property Rights: Copyright and Patent Copyrights and patents hold a major importance for business owners, and companies. I will discuss in detail what a copyright and patent are and the importance the two of them hold. What is Intellectual Property Rights; it refers to creations of the mind: inventions, literary and artistic works, and symbols, names, images, and designs used in commerce which leads to patents. What is a patent?A patent is an exclusive right ranted for an invention, which is a product or a process that provides, in general, a new way of doing something, or offers a new technical solution to a problem. In order to be patentable, the invention must fulfill certain conditions which are it must be new, inventive, and industrial applicable. Novelty meaning the invention must not e known before you file your application. It does not matter how, by whom or when in the world it has been made known. The invention counts as known even if it is you yourself who has used or published it.Inventive step is meant that the invention must differ significantly from what is already known. The solution must not be obvious to a person skilled in that technical area. That means new ways of combining known methods or objects are not necessarily patentable. Industrial applicability the invention must be industrially applicable. An invention is considered industrially applicable if it can be produced or utilized in any kind of industry but also other activities, such as transport, agriculture, hunting, public services and medical services.What is the purpose ot a patent? A patent provides protection tor the invention to the owner of the patent. The protection is a limited protection time, which is generally 20 years. The type of protection a patent provides is that the invention cannot be commercially made, used, distributed, or sold without the patient owners consent. These patent rights are usually enforced in a court. Why are patents necessary? Patents provide incentivizes to individuals by offering the recognition for their creativity and material reward for their marketable inventions.These incentives encourage innovations which assure that the quality of human life is continuously enhanced. You may ask what rights does a patent owner have, a owner has the right to decide who may -or may not- use the patented invention for the period in which he invention is protected. The patent owner may give permission to or, license, other parties to use the invention on mutually agreed terms. The owner may also sell the right to someone else, who will become the new owner of the patent.Once a patent expires, the protection ends, and an enters the public domain, which is when the owner no longer holds exclusive rights to the invention and becomes available to commercial exploration by others. Patents are present in every aspect of human life, from electri c lighting (patents held by Edison and Swan) and plastic (patents held by Baekeland), to ballpoint pens (patents held by Biro). What Is Copyright? † What Is Copyright? N. p. , n. d. Web. 18 Mar. 2013. How is a patent granted?The first step in securing a patent is to file a patent application. The patent application generally contains the title of the invention, as well as an indication of its technical field, it must include the background and a description of the invention, in clear language and enough detail that an individual with average understanding of the field could use or reproduce the invention. Such descriptions are usually accompanied by visual materials such as drawings, plans, or iagrams to better describe the invention.The application also contains various â€Å"claims† that is, information which determines the extent of protection granted by the patent. â€Å"Copyright vs. Trademark vs. Patent. † Copyright vs. Trademark vs. Patent. N. p. , n. d. w eb. 18 Mar. 2013. What kinds of inventions can be protected? An invention must, in general, fulfill the following conditions to be protected by a patient must be of practical use, it must show an element of novelty, that is, some new characteristic which is not known in the body of existing knowledge in its technical field.This body of existing knowledge is called â€Å"prior art†. The invention must show an invention step which could not be deducted by a person with average knowledge of the technical field. Finally, its subject matter must be accepted as â€Å"patentable† under law in many countries, scientific theories, mathematical methods, plant or animal varieties, discoveries of natural substances, commercial methods for medical treatment (as opposed to medical products) are generally not patentable. Who grants a patent?The national patent office or regional office that works with number of countries, such as the European Patent Office and the African Regional In tellectual Property Organization. Under such regional systems, an applicant requests protection for the invention in one or more countries, and each country decides as to whether to offer patent protection within its borders. The WIPO-administered Patent Cooperation Treaty (PCT) provides for the filing of a single international patent application which has the same ettect as national applications tiled in the designed countries.An applicant seeking protection may file one application and request protection in as many signatory tates as needed. â€Å"What Is Copyright? † What Is Copyright? N. p. , n. d. Web. 18 Mar. 2013. What is a copyright? A copyright is a form of protection grounded in the U. S. Constitution and granted by law for original works of authorship fixed in a medium of expression. Copyright covers both published and unpublished works. What does copyright protect?Copyright, a form of intellectual property law protects original works of authorship including litera ry, dramatic, musical, and artistic works, such as property, novels, movies, songs, computer software, and architecture. Copyright does ot protect facts, ideas, systems, or methods of operation, although it may protect the way these things are expressed. How is a copyright different from a patent or a trademark? Copyright protects original works of authorship, while a patent protects inventions or discoveries.Ideas and discoveries are not protected by the copyright law, although the way in which they are expressed may be. A trademark protects words, phrases words, symbols, or designs identifying the source of the goods and services of one party and distinguishing them from those of others. When is my work protected? Your work is under copyright protection the moment it is created and fixed in a tangible form that it is perceptible either directly or with the aid of a machine or device. Copyright may or may not be available for titles, slogans, or logos, depending on whether they con tain sufficient authorship.In most circumstances copyright does not protect names. Many people may ask why they should register their work if copyright protection is automatic. Registration is recommended for a number of reasons. Many choose to register their works because they wish to have the facts of their copyright on the public record and have a certification of egistration. Registration works may be eligible for statutory damages and attorneys fees in successful litigation. Finally, if registration occurs within 5 years of publication, it is considered â€Å"prima facie† evidence in a court of law.The United States has copyright relations with most countries throughout the world, and as a result of these agreements, we honor each other's citizens' copyrights. However the United States does not have such copyright relationships with every country. Many creative works protected by copyright require mass distribution, communication and inancial investment for their dissemi nation (for example, publications, sound recordings and films); hence, creators often sell the rights to their works to individuals or companies best able to market the works in return for payment.These payments are often made dependent on the actual use of the work, and are then referred to as royalties. I have found unlimited sources and information regarding patents and copyright, with all the information I now have a clear understanding exactly what is the differences with a title or name of a company and the steps to truly make an invention yours with ownership.

Analytical of Brent Staples Essay

In â€Å"Black Men and Public Space,† Brent Staples makes the most interesting idea that, people look – always – to black men as a threat, they see every dark skinned youth as an incoming danger, and that is what Staples implies in his essay. He also explains when he was young, people looked at him as a mugger or, a rapist or even worse. So, throughout his essay we can see Staples’ realization of the fact that, people – rarely – change their prospective about black guys. He is trying to bring discrimination problem into the spot light, a problem that should have disappeared hundreds of years ago. This problem still irritating the peace of this community and to find reasonable solutions for it, he is trying to make people sympathize with his cause by making them live his life in his own words. The literary elements Staples used played an important role to grab reader’s attention and feel his pain, and the problems he went through. His r ealization that he should deal with community with more understanding, and that appeared in his language and word choice along with the sarcastic tones, irony, and metaphors. At the beginning, Staples tries to visualize the first impact with the night walkers, he started with â€Å"my first victim† which is a sarcastic and yet very sad tone, because it carries in it a deep meaning of how people see him (188). The language indicates a good sense of understanding people around him, a sense of understanding in which he mentions specifically the distance between him and his â€Å"first victim† as â€Å"menacingly close† from her prospective even if it was from â€Å"discreet, inflammatory distance† in his prospective which, implicates a good understanding of the situation (188), even though the distant between the two of them was quite far his â€Å"first victim† considered dangerously close. Staples continues to analyze the situation that happened a â€Å"decade ago† with  more understanding. He explains why he felt bad when he was â€Å"a graduate student newly arrived at the University of Chicago† (188). He was able to change the surroundings, in a bad way, through only his presence among people as he looked â€Å"undistinguishable from muggers† (189). His tone is carrying a lot of sadness because his look may affect the reaction of others in a way that may have been hurting him. Staples also uses metaphors like â€Å"public space† to indicate the huge effect on the people around him (188), and â€Å"accomplice in tyranny† indicates irony because he never participated in such an action. On the contrary, people who treated him badly may have done it. â€Å"When fear and weapons meet† is another metaphor, and implies the danger of looking like a mugger for the people around you, and also sounds scary and dangerous. Staples also mentioned how he was helpless when people closed their door lock fearing him, he mentioned the sound which this act produces â€Å"thunk, thunk, thunk , thunk†. (189) He states how they are â€Å"hammering down† the door lock every time he is passing the stopped cars at night, which sounds horrifying not for them but for staples and this is a kind of irony because they are scared from him but their reaction scared him(189). Than staples mentions how when he moved to New York, the same stereotype remained and people also treated him the same when he used to walk at night, he describes the streets of Manhattan as â€Å"narrow and tightly spaced† and its buildings to â€Å"shut out the sky,† which is a symbolism that pictures the buildings as a barrier which close the sky (189). The situation could have been catastrophic for him when he passes people because they may fear the â€Å"worst of him† and take action according to that assumption and this could be fatal (189). Also, he mentions how people always â€Å"fear the worst of him† which is irony because the real fear comes from them as they may react violently thinking that they are protecting themselves not the opposite (189). Also, he mentioned how people â€Å"set their faces on neutral† when they see him this is another symbolism staples use to describe the reaction of people when they saw him, how uncomfortable they are around him. But, beside his sadness, Staples has a sense of understanding why people would do such a thing why they got scared when they see him, and that was clear when he said, â€Å"I understand, of course, that the danger they perceive is not a  hallucination† (189), which is an obvious tone of understanding. Staples also uses words like â€Å"aliena tion† which indicates his sadness and isolation because, it is his land but, feels as a stranger (189). Staples then explains that he is not a stranger from â€Å"Chester, Pennsylvak† and explains why he would never think like a mugger, or a rapist. He is saying that he â€Å"grew up like one of the good boys† which carries a lot of irony because, people thought that he is a bad person, but he was really one of good boys (189). He continues explaining why he grew up a good boy, how he buried his friends who really died young or as he said â€Å"they were babies† which is a metaphor that gives us a good idea of how those kids wasted their lives for nothing and died very young. That led Staples to be â€Å"a shadow†, a whose presence creates fear in people, and that is another irony because, how could the people get scared from such a nice guy? This nice guy is always misunderstood by people, always has been treated badly over the years. He mentioned how he could not prove who he is when he had a story to write and he is saying, â€Å"I had no way of proving who I was†, and the tone here is weakness, sadness, and bitty (190). He also mentions his experience in jewelry store, and how the lady back then thought He is a thief or something, and she got the dog â€Å"an enormous Doberman† (190), and that brings a picture to one’s mind about the dark ages when slavery took place, widely, all over The United States it shows the brutality, and discrimination that happens against African American youth as he mentions how â€Å"such episodes are not common. Black men trade tales like this all the time† (190). Staples mentions also that it is not only him who had been subjected to such discrimination but also several black guys who keep telling their stories as staples said, â€Å"black men trade tales like this all the time† (190) and that emphasizes the fact that this is a kind of discrimination against a group of people, in this case â€Å"the black men†. So to deal with that, staples â€Å"now take precautions† although it sounds as irony because, he is the victim of the community and yet he has to take precautions, and â€Å"make himself less threatening†? (190) Staples succeeded to grab people’s attention to his cause by showing his experiences and pain through several literary elements especially irony, metaphors and word choice, and that made the reader more sympathetic and understanding of his point of view and his situation. Staples also succeeded to bring this discrimination issue to the surface, and trying to find a solution for it, even if this solution was changing himself

Financial Environment and Interest Rate and Inflation

An Assignment of Business Finance Course Code: FIN -2101 Submitted To: Md. Monzur Morshed Bhuiya Associate Professor Department of Finance Jagannath University, Dhaka. Submitted By: Md. Mazharul Islam. Group Representative of Finance Interface B. B. A, 3rd Batch (2nd Year, 1st Semester) Session: 2008-2009 Department of Finance Jagannath University, Dhaka. Date of Submission: 25-10-2010 Department of Finance Jagannath University 1|Page 1 Sl. No. Name 01. Md. Mazharul Islam. (Group Representative) 02. Khadizatuz Zohara. Roll No. 091541 091526 Department of Finance Jagannath University 2|PageTable of Contents Sl. No. 2-1 2-2 2-3 2-4 2-5 2-6 2-7 2-8 2-9 2-10 2-11 Contents Problems Yield Curves Yield Curves Inflation and Interest Rate Rate of Interest Real Risk-Free Rate, MRP and DRP Exam-Type Problems Expected Inflation Rate Expected Rate of Interest Expected Rate of Interest Interest Rate Interest Rate Expected Rate of Interest Ending Part Formula and Necessary Illustration for Calculat ion Summary of the Assignment Page No. 5 6 7 9 10 12 13 14 14 15 16 17 18 Department of Finance Jagannath University 3|Page The Financial Environment: Interest Rates Problems 2-1:Suppose you and most other investors expect the rate of inflation to be 7 percent next year, to fall to 5 percent during the following year, and then to remain at a rate of 3 percent thereafter. Assume that the real risk-free rate, k*, is 2 percent and that maturity risk premium on treasury securities rise from zero on very short-term bonds ( those that mature in few days) by 0. 2 percentage points for each year to maturity, up to a limit of 1. 0 percentage point on five year or longer-term T-bonds. a. Calculate the interest rate on one, two, three, four, five, 10 and 20 year Treasury securities, and Plot the yield curve. .Now suppose IBM, a highly rated company, had bonds with the same- maturities as the Treasury bonds. As an approximation, plot a yield curve for IBM on the same graph with the Treasury bon d yield curve, (Hint: Think about the default risk premium on IBM’s long-term versus its short-term bonds. ) c. Now plot the approximate yield curve of Long Island Lighting Company (LILCO), a risky nuclear utility. Solution 2-1: Requirement ‘a’: Expected Annual Inflation Rate 7% 5% 3% 3% 3% 3% 3% Real Risk-free Rate (k*) 2% 2% 2% 2% 2% 2% 2% Average Expected Inflation Rate or Inflation Premium (IP) = 7% 1 =7% 2 = (7%+5%) ? 2 = 6% 3 = (12%+3%) ? 3 = 5% 4 = (15%+3%) ? 4 =4. 5% 5 =(18%+3%) ? 5 = 4. 2% 10 =(21%+3%? 5) ? 10=3. 6% 20 =(36%+3%? 10) ? 20=3. 3% Bond Type 1st year bond 2nd year bond 3rd year bond 4th year bond 5th year bond 10th year bond 20th year bond Average Nominal Interest Rate = k* + IP 9% 8% 7% 6. 5% 6. 2% 5. 6% 5. 3%Bond Type 1st year bond 2nd year bond 3rd year bond 4th year bond 5th year bond 10th year bond 20th year bond Maturity Risk Premium (MRP) 0. 2% 0. 2%+0. 2% =0. 4% 0. 4%+0. 2% =0. % 0. 6%+0. 2% =0. 8% 0. 8%+0. 2% =1. 0% 1. 0% 1. 0% Department of Finance Jagannath University 4|Page And Bond Type 1st year bond 2nd year bond 3rd year bond 4th year bond 5th year bond 10th year bond 20th year bond The yield Curve: + 9% + 0. 2% 8% + 0. 4% 7% + 0. 6% 6. 5% + 0. 8% 6. 2% + 1. 0% 5. 6% + 1. 0% 5. 3% + 1. 0% Interest Rate (k) 9. 2% 8. 4% 7. 6% 7. 3% 7. 2% 6. 6% 6. 3% 10. 5 10. 0 9. 5 9. 0 8. 5 Yield (%) 8. 0 7. 5 7. 0 6. 5 6. 0 5. 5 5. 0 0 2 4 6 8 Yield Curve LILCO IBM T – Bonds – Bonds T 10 12 14 16 18 20 Yield of MaturityRequirement ‘b’: The interest rate on the IBM bonds has the same components as the Treasury securities, except that the IBM bonds have default risk, so a default risk premium must be included. Therefore, = * + IP + MRP + DRP For a strong company such as IBM, the default risk premium is virtually zero for short-term bonds. However, as time to maturity increases, the probability of default, although still small, is sufficient to warrant a default premium. Thus, the yiel d risk curve for the IBM bonds will rise above the yield curve for the Treasury securities.In the graph, the default risk premium was assumed to be 1. 2 percentage points on the 20-year IBM bonds. The return should equal 6. 3% + 1. 2% = 7. 5%. Department of Finance Jagannath University 5|Page Requirement ‘c’: Long Island Lighting Company (LILCO) bonds would have significantly more default risk than either Treasury securities or IBM bonds, and the risk of default would increase over time due to possible financial deterioration. In this example, the default risk premium was assumed to be 1. 0 percentage point on the one-year LILCO bonds and 2. 0 percentage points on the 20-year bonds.The 20-year return should equal 6. 3% + 2% = 8. 3%. ————- Problem 2-2: The following yield on U. S. Treasury securities were taken from The Wall Street Journal on January 7, 2004: Term Rate 6 months 1. 0% 1 year 1. 2% 2 year 1. 6% 3 year 2. 5% 4 year 2. 9% 5 year 3 . 7% 10 year 4. 6% 20 year 5. 1% 30 year 5. 3% Plot a yield curve based on these data. Discuss how each term structure theory mentioned in the chapter can explain the shape of the yield curve you plot. Solution 2-2: 5. 35 5. 30 5. 25 Yield (%) 5. 20 5. 15 5. 10 5. 05 5. 00 4. 95 4. 90 4. 85 0 5 Yield Curve 10 15 20 Maturity (years) 25 30 ———— Department of Finance Jagannath University 6|Page Problem 2-3: Inflation currently is about 2 percent. Last year the Fed took actions to maintain inflation at this level. However, the economy is showing signs that it might be growing too quickly, and reports indicate that inflation is expected to increase during the next five year. Assume that at the beginning of 2005, the rate of inflation expected for the year is 4 percent; for 2006, it is expected to be 5 percent; for 2007, it is expected to be 7 percent; and, for 2008 and every year thereafter, it is expected to settle at 4 percent. a.What is the average expected inflation rate over the five year period 2005-2009? b. What average nominal interest would, over the five-year period, be expected to produce a 2 percent real risk-free rate of return on five-year Treasury securities? c. Assuming a real risk-free rate of 2 percent and a maturity risk premium that starts at 0. 1 percent and increases by 0. 1 percent each year, estimate the interest rate in January 2005on bond that mature in one, two, five, 10 and 20 years and draw a yield curve based on these data. d. Describe the general economic conditions that could be expected to produce an upward-sloping yield curve. . If the consensus among investors in early 2005 is that the expected rate of inflation for every future year is 5 percent ( = 5% for t = 1 to ? ), what do you think the yield curve would look like?Consider all the factors that are likely to affect the curve. Does your answer here make you question the yield curve you drew in part c? Solution 2-3: Requirement ‘a & b’: Expected Annual Inflation Rate 4% 5% 7% 4% 4% 4% 4% Real Risk-free Rate (k*) 2% 2% 2% 2% 2% 2% 2% Average Expected Inflation Rate or Inflation Premium (IP) 1 = 4% 1 =4% 2 = (4%+5%) ? 2 = 4. 5% 3 = (9%+7%) ? 3 = 5. 33% 4 = (16%+4%) ? =5% 5 =(20%+4%) ? 5 = 4. 8% 10 =(24%+4%? 5) ? 10=4. 4% 20 =(44%+2%? 5) ? 20=4. 2% Bond Type 1st year bond 2nd year bond 3rd year bond 4th year bond 5th year bond 10th year bond 20th year bond Average Nominal Interest Rate = k* + IP 6% 6. 5% 7. 33% 7% 6. 8% 6. 4% 6. 2% Requirement ‘c’: Bond Type 1st year bond 2nd year bond 3rd year bond 4th year bond 5th year bond 10th year bond 20th year bond Department of Finance Maturity Risk Premium (MRP) 0. 1% 0. 1%+0. 1% =0. 2% 0. 2%+0. 1% =0. 3% 0. 3%+0. 1% =0. 4% 0. 5%+0. 1% =0. 5% 0. 5%+(0. 1%? 5) =1. 0% 1. 0%+(0. 1%? 10) =2. 0% Jagannath University 7|PageAnd Bond Type 1st year bond 2nd year bond 5th year bond 10th year bond 20th year bond The Yield Curve: 9. 0 8. 0 7. 0 6. 0 5. 0 4. 0 3. 0 2. 0 1. 0 0. 0 0 2 4 + 6% + 0. 1% 6. 5% + 0. 2% 6. 8% + 0. 5% 6. 4% + 1. 0% 6. 2% + 2. 0% Estimated Interest Rate (k) 6. 1% 6. 7% 7. 3% 7. 4% 8. 2% Yield Curve Yield (%) 6 8 10 12 14 Years to Maturity 16 18 20 Requirement ‘d’: The ? normal? yield curve is upward sloping because, in ? normal? times, inflation is not expected to trend either up or down, so IP is the same for debt of all maturities, but the MRP increases with years, so the yield curve slopes up.During a recession, the yield curve typically slopes up especially steeply, because inflation and consequently short-term interest rates are currently low, yet people expect inflation and interest rates to rise as the economy comes out of the recession. Requirement ‘e’: If inflation rates are expected to be constant, then the expectations theory holds that the yield curve should be horizontal. However, in this event it is likely that maturity risk premiums would be applied to long-term bonds because o f the greater risks of holding long-term rather than short-term bonds: Yield (%) Actual yield curveMaturity risk premium Pure expectations yield curve Years to Maturity Department of Finance Jagannath University 8|Page If maturity risk premiums were added to the yield curve in part e above, then the yield curve would be more nearly normal—that is, the long-term end of the curve would be raised. ————- Problem 2-4: Assume that the real risk-free rate of return, k*, is 3 percent, and it will remain at that level far into the future. Also assume that maturity risk premiums on Treasury Bonds increase from zero for bonds that mature in one year or less to a maximum of 2 percent, and MRP increases by 0. percent for each year to maturity that is greater than one year – that is, MRP equals 0. 2 percent for a two-year bond, 0. 4 percent for a three year bond, and so forth. Following are the expected inflation rates for the next five years: Year Inflat ion Rate (%) 2005 3 2006 5 2007 4 2008 8 2009 3 a. b. c. d. What is the average expected inflation rate for a one, two, three, four and five year bond? What should be the MRP for a one, two, three, four and five year bond? Compute the interest rate for a one, two, three, four and five year bond?If inflation is expected to equal 2 percent every year after 2009, what should be the interest rate for a 10 and 20 year bond? e. Plot the yield curve for the interest rates you computed in parts c and d. Solution 2-4: Requirement ‘a’: Expected Annual Inflation Rate 3% 5% 4% 8% 3% 2% 2% Real Risk-free Rate (k*) 3% 3% 3% 3% 3% 3% 3% Average Expected Inflation Rate or Inflation Premium (IP) 1 = 3% 1 =3% 2 = (3%+5%) ? 2 = 4% 3 = (8%+4%) ? 3 = 4% 4 = (12%+8%) ? 4 =5% 5 =(20%+3%) ? 5 = 4. 6% 10 =(23%+2%? 5) ? 10=3. 3% 20 =(33%+2%? 5) ? 20=2. 65%Bond Type 1st year bond 2nd year bond 3rd year bond 4th year bond 5th year bond 10th year bond 20th year bond Requirement ‘b†™: Average Nominal Interest Rate = k* + IP 6% 7% 7% 8% 7. 6% 6. 3% 5. 65% Bond Type 1st year bond 2nd year bond 3rd year bond 4th year bond 5th year bond 10th year bond 20th year bond Maturity Risk Premium (MRP) 0% 0%+0. 2% =0. 2% 0. 2%+0. 2% =0. 4% 0. 4%+0. 2% =0. 6% 0. 6%+0. 2% =0. 8% 0. 8%+(0. 2%? 5)=1. 8% 2% Department of Finance Jagannath University 9|Page Requirement ‘c & d’: Bond Type 1st year bond 2nd year bond 3rd year bond 4th year bond 5th year bond 10th year bond 20th year bond 6% + 0% 7% + 0. 2% 7% + 0. 4% 8% + 0. 6% 7. 6% + 0. 8% 6. 3% + 1. 8% 5. 65% + 2% Interest Rate (k) 6% 7. 2% 7. 4% 8. 6% 8. 4% 8. 1% 7. 65% Requirement ‘e’: Yield Curve 9. 0 8. 5 Yield (%) 8. 0 7. 5 7. 0 6. 5 6. 0 5. 5 5. 0 0 2 4 6 8 10 12 14 16 18 20 Years to Maturity ————Problem 2-5: Today’s edition of The Wall Street Journal reports that the yield on Treasury bills maturing in 30 days is 3. 5 percent, the yield on Treasury bills m aturing in 10 years is 6. 5 percent, and the yield on a bond issued by Nextel Communications that matures in six years is 7. 5 percent.Also, today the Federal Reserve announced that inflation is expected to be 2 percent during the next 12 months. There is a maturity risk premium (MRP) associated with all bonds with maturities equal to one year or more. a. Assume that the increase in the MRP each year is the same and the total MRP is the same for bonds with maturities equal to 10 years and greater that is, MRP is at its maximum for bonds with maturities equal to 10 years and greater. What is the MRP per year? b. What is default risk premium associated with Nextel’s bond? c. What is the real risk-free rate of return? Department of Finance Jagannath University 0 | P a g e Solution 2-5: Requirement ‘a’:Since MRP associated with all bonds with maturities equal to one year or more, so with Treasury bills maturing in 30 days, 0% MRP is associated, then k = k* + IP ? 3. 5% = k* + 2% ? k* = 3. 5% ? 2% ? k* = 1. 5% At the 10 year bond: k = k* + IP + MRP ? 6. 5% = 1. 5% + 2% + MRP ? MRP = 6. 5% ? 1. 5% ? 2% ? MRP = 3% As MRP at 10 year bond is 3%. So MRP per year is (3? 10) = 0. 3%. Requirement ‘b’: Since 30 days T-bond and 10 years T-bond fulfills the equations:- K = k* +IP +MRP, We have to calculate DRP from 6 years Nextel Bond: k = k* +IP +DRP +MRP ? 7. 5% = 1. 5% + 2% + DRP + (0. % ? 6) ? 7. 5% = 3. 5% + DRP + 1. 8% ? DRP = 7. 5% ? 3. 5% ? 1. 8% ? DRP = 2. 2% Requirement ‘c’: Now real risk-free rate of return k* = 3. 5% – IP = 3. 5% – 2. 0% = 1. 5% ————- Exam-Type Problems 2-6: According to The Wall Street Journal, the interest rate on one-year Treasury bonds is 2. 2 percent, The rate on two-year Treasury bonds is 3. 0 percent, and the rate on three-year Treasury bonds is 3. 6 percent. These bonds are considered risk free, so the rates given here are risk free rates ( ). The one-y ear bond matures one year from today, the two-year bond matures two year from today and so forth.

A Man For All Seasons

The change from night to day (81 ) Is conveyed using a simple change of lighting. Light conveys the notion of change. Many scene changes are followed by the subsequent change in lighting. Like the setting of the sun indicating the change into night. Bolt's use of light gives the viewers an ability to feel the mood of the next scene and foreshadow the outcomes. The candle is used many times throughout the play and is a source of focused light. It Is small and casts a dim light, bringing the feeling of darkness and conspiracy. When taken away or blown out, it represents a change; the end of something.Wolves exits the stage, † taking most of the light from the stage as he does so† (13) giving the scene a dark and sinister feeling. It foreshadows the change of Lord Chancellor to Thomas More, and how this new position is going to be troublesome and fatal. Cromwell â€Å"[seizes] Rich by the wrist [and] he holds his hand in the candle flame† (46) frightening Rich and Int roducing the feelings of cruelty and horror Into the atmosphere. Cromwell frightening action reflects what has happened In that scene; how Rich has now switched sides, ending his relationship with More.Their friendship smoldering away eke a slow burn. Silences are as Important as dialogue in a play?discuss the most significant silent moments In the play and their Importance. There are many silences In the play, such as those of the common Man, who chose to maintain silence Instead of revealing the plotting against More. More had also kept silent as Rich took the silver cup which signifies corruption instead of the teaching Job, a way to benefit society. In Act II, More remains silent about Norfolk until he is sure that the friendship should be ended.When Norfolk states that More should take the oath, More ends his silence s well as the friendship. The biggest silence Is Mere's, which had kept him alive through the ordeal of King Henrys divorce until the very end. This silence, accor ding to the bible, cannot be seen as dissent towards the king. He wittily uses this silence to his advantage in order to protect himself and his family against the law, as well as to prevent perjuring his beliefs. However, Cromwell argument that silence can signify affirmation with the example of the silent murder witnesses cost More his life.More also protects his family from the law by refusing to answer them. The silence e maintains about his opinions with the Act of Supremacy Is foreshadowed by the takes offence, by staying silent in front of them, they are able to truthfully answer in a court of law that they do not know his opinions. Stage directions convey a great deal: how do the stage directions for the Common Man convey the plays ideas? The Common Man is used by Robert Bolt to change the setting of the stage in the play. Many times in the play, he changes the setting while in character.He also addresses the audience and comments on the action as a character within the play . Robert Bolt uses the Common Man as a narrator through he stage directions to help the play to flow as a story rather than a play. Due to the Common Man's stage directions, he is meant to draw the audience into the play rather than alienate them. He begins the first act by saying, â€Å"It is perverse! To start a play made up of kinds and Cardinals in speaking costumes and intellectuals with embroidered mouths, with me. (1) The Common Man is to represent the common type of people and through his actions and different characters throughout the play, the Common Man is relatable for the audience members and his reliability is conveyed through his stage directions. The Common Man is also used to highlight the traits of the other characters. As the boatman, he is used to demonstrate mere's generosity. (15) The Common Man is also used to connect the two acts. At the beginning of Act II, the Common Man is used by Bolt to describe the change of time and setting, he sets up the scene by gi ving the audience some background.The foreign water is emphasized by the Common Man's speech at the beginning of Act II, â€Å"a lot of waters flowed under the bridge† (47). The Common Man is used as a tool to help bring the play together and to help develop the other characters within the lay. Thematic Questions: On page 1 5-16–More has a conversation with the boatman. Explore the ethical implications of ;their discussion. How does the imagery of the boat and water reflect those ideas? In the preface to the play, Robert Bolt addresses his usage of water â€Å"as a figure for the superhuman context. The sea is unpredictable, unknown and alien giving it a sense of supernaturalism. He states that his main metaphors are the sea and water; that the â€Å"references to ships, rivers, currents, tides, navigation† (xvi) are all used to create a poetic image with philosophical depth. He compares society by contrast figures as dry land. Although Thomas More grasps onto the safety of the law and land, his faith takes him out into the chaos of the sea. Within the play, the symbolism of Mere's faith in God as water and his belief in the law as the land is explored.Since Bolt intended the land to be considered to be a safe and known concept within the play, it can be compared to Mere's knowledge in law. More is educated in law and he constantly uses the law to back his arguments. Due to mere's knowledge of the law, he knows that he cannot be accused of high treason. â€Å"The law s a causeway upon which so long as he keeps to it a citizen may walk safely. † (92) More is comparing the law to a citizen's walkway, if the law is kept, the citizens should â€Å"When a man takes an oath, he's holding his own self in his own hands.Like water and if he opens his fingers then- he needn't hope to find himself again. â€Å"(83) Since More refuses to take the oath towards King Henrys divorce, he is avoiding the law. He is choosing his faith and religion over the law; water over land. By not taking the oath, More doesn't open his fingers and he doesn't lose himself. He stays rooted in his faith. Only God is love right through, Howard; and that's my self. â€Å"(71) In the end, More explores the extent of his faith and he learns to walk on water, by putting all his trust in God and putting God above the law.Character Questions: Compare and contrast Thomas More and William Roper. Thomas More and William Roper were both upright men who had a strong sense of morality and goodness. More and Roper differ in terms of religion. While More is unwavering in his Catholicism, Roper has swayed towards the Lutheran Church before turning back to Catholicism. More is modest in his dress, refusing to change even when the king visited. However, Roper is bold in clothing, changing into a magnificent black robe and cross after his conversion back to Catholicism. Bolt calls More â€Å"a hero of selfless. (xiv), referring to how he keeps his morals int act even when his life is threatened. Both men were well educated in law and put in service of the crown, with More as the lord chancellor and Roper â€Å"[being] called to the bar. † (16) Thomas More is a conservative, sensible man with a solid foundation on his morals and beliefs. He is not outspoken about his ideas, and he tries to guide people in the eight direction by posing questions and choices instead of being direct. William Roper, however, is more liberal, and energetic. More is older and more experienced with life, careful with his speech and loyal to his conscience.Roper speaks his mind, thinking little of the effects of his words. He is constantly voicing his opinions at every opportunity, leading to Mere's warning to protect his family. He also stands very firm on his beliefs and what he feels is right. Roper is one to take quick action, doing what he wants to do. However, More is thoughtful about his actions, staying out of harms ay and hiding behind his knowle dge of the law and having faith in it. Through Roper's actions within the play, Roper is Mere's foil and emphasizes Mere's strong belief in God and the Church in contrast to his passion for whichever church he was in at the time.Compare and contrast Cardinal Wolves and Thomas Cromwell. Cardinal Wolves and Thomas Cromwell were both key figures in this play, as influential members of government. They were both practical, politically aware men that played important roles in the affair of the kings divorce, and recognized the importance of having an heir to the throne. There are many physical differences between Wolves and Cromwell. Wolves is â€Å"Old. A big decayed body in scarlet† (xx), whereas Cromwell is in his late thirties, and dressed in black.Beyond the physical, the name of effective action† (xx), while Wolves is ambitious and intelligent, although his character is not well-developed before his death early in the play due to pulmonary pneumonia. His death serves a s a warning for anyone else that did not follow the wishes of the king, and foreshadows the eventual death of Thomas More. Both Cromwell and Wolves try their best to complete what the King wants. â€Å"When the inning wants something done, [Cromwell] does it. † (21). Cromwell doesn't stop to question the kings desires, nor does he try to compromise with those who are against the King.He wished to gain power through the affairs of the king despite the immoral consequences. Wolves tries to find alternate paths to the same outcome for the king, he looks at all aspects of the situation before drawing a conclusion. His wisdom is shown when he tells More that â€Å"Letting [King Henry] without an heir and we'll have them back again. Let him die without an heir and this ‘peace' you think so much of will go out like that! (12) Wolves takes other's opinions into account whereas Cromwell only cares for the result that will make himself look best.Wolves failed to obtain the Pope' s dispersion, and therefore did not succeed in fulfilling the Kings wishes for divorce, while Cromwell devised many plans that led to the achievement of the divorce through force. Compare and contrast Lady Alice and Lady Margaret. Alice and Margaret are the ones closest to Thomas More. Both women are intelligent and righteous. This is shown when they agree that Rich was to be arrested when it became apparent that he had betrayed More. Alice is Mere's wife, an understanding and caring woman that trusts in More beyond simple reasoning.She understands that he values morality over his life,and she feels that â€Å"[More] the best man that [she] ever met. † (86) Alice is sad to see her loved one go, but accepts his final resolution and painfully comes to terms with his decision. Unlike her stepmother, Margaret does not understand his reasons for sacrificing his life. â€Å"Meg [is] under oath to persuade [More]† (83) to choose life over morality. Alice is an impressive woma n in her forties with an incredible ability to understand and worship her husband† (xx) as well as society, leading to trouble and defiance towards both.Margaret is a beautiful girl in her twenties with a naivety that is fostered by the care of her father. Both Alice and Margaret possess a unconditional love and care for Thomas More that they act upon in many occasions in the play. For instance, they repeatedly asked him about his conversations with Cardinal Wolves. Also, they prepared a feast for the King's visit on his behalf. Although More is evasive and silent on his affairs, they think nothing but good of him, and support him to the end.