Personal Statement of Project Management Example | Topics and Well Written Essays - 500 words

Of Project Management - Personal Statement Example The course is reasonable for people, who are from different business foundations and have the capacity, abilities and information to turn into an undertaking chief. In this course I will get the chance to comprehend the strategies and procedures that are connected with venture the board. The procedure incorporates the executives of cost, time, quality, correspondence, hazard and HR. I will likewise get the opportunity to comprehend the acquirement procedure of the assets that are required for the finish of the undertaking. The program additionally targets preparing the people to lead a group and grant inspiration aptitudes (Northeastern University, 2013). By and by, duties of venture chiefs have expanded throughout the years with the expansion in number of bombed ventures. The disappointment or achievement organization ventures are subject to the capacities and aptitudes of the task chiefs. Items and administrations of an organization needs get propelled in the market in a specific timeframe. In the event that there is delay in the acquisition procedure of crude materials, at that point the dispatch of the items is keep down all the while. This postponement in obtainment procedure can be amended by a proficient undertaking by reaching a decent provider and persuade them to gracefully the crude materials inside a predetermined time with the goal that the assembling procedure of the items are not hampered. Subsequently, so as to maintain a strategic distance from aggravation in the assembling procedure organizations needs to enlist gifted venture administrators, who can viably deal with each progression of the undertaking (Northeastern University, 2013). The job of task chiefs is exceptionally testing as the achievement or disappointment of activities is reliant on them. Suitable arrangements of ability are required conveying crucial tasks on time inside a specific spending plan. The undertaking administrator needs to lead an enormous group where the colleagues have unique however procedure and conduct; he needs to lead and rouse them to do explicit works for the effective consummation of tasks. The

The Smartest Kids in the World; Amanda Ripley Essay

The Smartest Kids in the World; Amanda Ripley - Essay Example The Trends in International Mathematics and Science Study (TIMS) is another training strategy that predominantly centers around less work issues and more regarding the matter explicit information and the aptitudes that the school instructs the understudy during the learning procedure. Patterns in International Mathematics and Science Study is an arrangement that doesn't concern whether the understudy can have the option to apply their logical and numerical information in the genuine circumstance while Program on International Student Assessment has no worry in either estimating the student’s ability expected to prevail in their advanced degree nor to take part in specialized callings. In this manner, schools utilize the two arrangements in their instruction framework as they supplement one another and will improve the instructive result in schools (Ripley, 2013). As indicated by Ripley (2013) Korea, Finland and Poland utilize PISE as the training approach in their schools and this sort of framework is viewed as the explanation for their creation of the absolute best understudies on the planet. This framework draws out the contention that, following understudies, that is setting the children in skilled classes at an early age with the goal that they can have the option to realize what precisely their vocation holds for them, will in general decrease the learning procedure in schools boosting disparity to places where it was executed. It is said when this sort of training framework is applied, the understudies who were in the higher performing classes started to consider themselves less talented subsequently bringing down their confidence while shockingly those in the lower performing classes in this sort of instruction strategy built up an uplifting mindset about themselves thus expanding on their confidence.

Why vegetarian diet is better essay sample

Why vegetarian diet is better essay sample Nowadays, we are living in the society with a very mad tempo of life. We constantly hurry up somewhere; therefore, it is extremely important for most people to care about their health and protect themselves from different diseases. Only a healthy way of life can help them in such a situation. It implies many different things: rejection of harmful habits such as smoking and drinking alcohol, everyday physical activity, and proper nutrition. The latter one plays a central role in a healthy lifestyle because we are what we eat. Hence, it is not surprising that vegetarianism becomes ever more popular nowadays. Many people have already decided to go vegetarian, and the reason for such a decision is that vegetarian diet benefits are obvious, and this diet is considered the healthiest and the most balanced by many scientists. Scientists of the Harvard Medical School supposed that becoming a vegetarian may protect one from such widespread diseases of the modern society as cancer, a heart attack, and even type 2 diabetes (Harvard Women’s Health Watch, 2009). A vegetarian diet plan implies decreased consumption of saturated fat and cholesterol, which are considered the main cause of all diseases connected with a cardio-vascular system, and with a state of one’s heart in particular. Moreover, vegetarians consume a lot of products with a low glycemic index, which makes the risk of having type 2 diabetes among vegetarians 50% lower than among non-vegetarians. In addition, so as vegetarians prefer to eat more fruits and vegetables than ordinary people, they have lower levels of carcinogenic substances in their blood. Hence, it means lower risk of different types of cancer although scientists are still confused about the exact mechanism of its development. It should be mentioned that vegetarianism as an approach to everyday nutrition plan has a great number of varieties. Semi-vegetarian and pescatarian variants of diet are considered the healthiest ones. Other options to consider include: Partially or semi-vegetarian ration when one is still eating poultry and other animal products with an exception of meat. Pescatarian diet when a person prefers to include milk, eggs, seafood, and fish in his/her daily nutrition plan, but at the same time try to avoid meat (especially, red) and poultry. Lacto-ovo vegetarian diet. This type of vegetarian ration implies consumption of milk and eggs while all other products of animal origin are excluded. Purely vegan diet foods mean that one’s everyday ration has no products of animal origin, only fruits, and vegetables. Hence, what can vegans not eat list is much wider than the same one among other types of people who choose a vegetarian diet (Mangels, Messina, Messina, 2011). The first two variants of a vegetarian plan are at the top of healthiness and benefit because by eliminating some food groups from everyday ration, one increases a potential risk to miss out some important micro elements. Although the Internet is full of vegan diet recipes, such vitamins and micro elements as calcium, iron, proteins, and vitamin B12 are very rare in this ration. Hence, semi-vegetarians and lacto-ovo vegetarians have more sources to get these elements from food (Harvard Women’s Health Watch, 2014). What do vegans eat for protein? Predominately, these are beans and nuts, while vegetarians may allow themselves eggs, milk and other dairy products so familiar to ordinary people as well. In this case, it is possible to suppose that each vegetarian may create a nice omelet with different vegetables for breakfast while the question “What do vegans eat for breakfast?” is still open. In general, veganism is too severe for most ordinary people because this type of nutriti on has too many restrictions. On this simple ground, scientists think that in the vegetarian vs vegan battle the victory goes to vegetarians! Semi-vegetarian and pescatarian diets are similar to a well-known Mediterranean diet. Although this type of nutrition is not a diet by its definition, it is also based on fruits, vegetables, nuts, and grains as well as vegetarian diets. In this case, if a person follows to his/her nutrition plan properly, his/her ration will have up to 60% of carbohydrates and only 30% of fats. In addition, such famous dishes as Greek salad, risotto with sea products, and other popular samples of Greek, Italian, and Spanish cuisine are also very delicious. Nowadays, specialists of Mayo clinic staff has already proved that this diet is a heart-healthy one (Mayo Clinic Staff, 2017). Hence, if some person wants to go vegetarian, it is probably worth going Mediterranean first. However, vegetarian benefits and disadvantages are still not so obvious. It is important to mention that if one decides to keep to a vegetarian or even vegan diet, it will be better to consult the doctor first because the current state of the person’s health should be examined first. Only a doctor may inform a person about benefits or threats of vegetarianism. All in all, there are too many reasons to keep to a vegetarian diet and not all of them connected with health. Some people stop eating meat and other products of animal origin just due to some religious views or concerns about animal welfare. So, it is obviously up to you to decide is being a vegetarian better for you not, but a transfer to a vegetarian diet should still be undertaken responsibly and cautiously.

Poverty Is An Issues Affecting All Parts Of The World

Poverty, indeed is an issues affecting all parts of the world. There are many people that live under very bad conditions which can create dysfunctional families which ultimately can lead to delinquency. Studies have shown that children that come from poverty are more likely to commit in crime than those children that come from wealthier families. Studies in the Carolinas has shown that there is a reasonable link of poverty and violent crime among juveniles. From experience it is said that, â€Å"every law enforcement leader knows from years of experience that children immersed in poverty are more likely to turn into crime and research consistently confirms that,† (Cutting Crime by Cutting Child Poverty, 2015) this is true because children not being able to have the things they want and need are more prone in adhering in delinquent behavior. Research conducted by the University of Cambridge states that, â€Å"children from the poorest quarter of all families were two and a hal f times more likely to be convicted of a violent crimes as adults than children from the wealthier three quarters of all families in the study,† (Cutting Crime by Cutting Child Poverty, 2015) with this being correlated and ultimately affecting and/or causing delinquency in juveniles there are many things that should be done to prevent this. With a decrease in employment rates and getting cut in income, these are two major factors affecting many children because then their parents can’t provide as much as theyShow MoreRelatedExtreme Poverty : Chronic Poverty Essay1613 Words   |  7 PagesExtreme Poverty Nathan Larson Northcentral Technical College â€Æ' Introduction ïÆ'Ëœ What is Extreme Poverty? What if you had a chance to save a person? Most would react quickly if given the chance to save another life especially a child’s life. In fact, it is estimated that 16,000 under the age of five die every day due to causes associated with extreme poverty. That is nearly 750 children an hour. The causes of the deaths include insufficient nutrition, lack of access to clean water, no health careRead MoreMain Issues That Affect The Quality Of Access Education1688 Words   |  7 PagesThis paper discusses five main issues that affect the quality of and access to education in developing countries, namely; economic barriers, conflict barriers, climate change barriers, gender barriers, and language barriers. 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Hazzilt (1996) remarks that war, droughts, scarcities, famines, crimes, violence, diseases were prevalent to a degree and if empirical research is done onRead MorePoverty Is A Social Problem957 Words   |  4 PagesUnited States is the wealthiest nation in the world, but yet poverty remains prevalent. Childhood poverty affects every aspect of their life. â€Å"Poverty is not having income for basic needs, food, medical care or basic needs and housing† (Crosson-Tower, 2014, p. 59). Poverty is affecting thousands of Americans every day, and it isn t sparing anyone of a particular race, age or gender, leaving people on welfare, and without homes, or transportation. Poverty is a crisis that deserves attention from everyoneRead MorePoverty Is A Very Big Issue Affecting Other Societies1493 Words   |  6 PagesPoverty is a very big issue affecting various societies in the world. 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A big part regarding criminal behavior is a teensRead MoreHow to Help Australians in Poverty654 Words   |  3 Pagestop, but it is a complete reality to those living under extreme poverty. According to research of the oxford dictionary , poverty is the state of being extremely poor. My goal here is to inform you about the main causes of poverty and what we can do here in Australia to help those in need. What are the causes of poverty? There is no one cause for poverty across the world. However, there are many components that contribute to poverty. One of those includes overpopulation, imagine living in theRead MoreIs Corruption A World Issue?1397 Words   |  6 Pagesresearch a global issue which, from our opinion was affecting the world and divulge as much of that information as possible to be able to share with the class as well as make an informed monologue about said topic. 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Overview and Examples of Asking Questions in German

When asking questions in German you can ask direct questions that elicit yes/no answers with the verb at the head. However, in this article, we will focus on the other way of questioning, that is the well-known five Ws (and one H) of questioning that is useful in gathering factual information.The five Ws (and one H) in English are: Who? What? Where? When? Why? How? These are translated into the following 6 Ws in German: Wer? Was? Wo? Wann? Warum? Wie? They usually stand at the head of the sentence followed by the verb in the second position:Wann kommt er zurà ¼ck? (When is he coming back?)Lets examine each one in more detail: Wer This is one of the two W-words (Fragewà ¶rter) that are declinable. Nominative: Wer? Who? Wer hat meinen Keks gegessen? (Who ate my cookie?)Genitive: Wessen? Whose? Wessen Buch ist das? (Whose book is this?)The genitive form wessen is not used very much anymore. Instead it has been replaced by the more popular dative - Wem gehà ¶rt dieses Buch? Accusative: Wen? Who/Whom? Wen will er heiraten? (Who does he want to marry?)Dative: Wem? Who/ To whom? Wem hast du ein Geschenk gegeben? (Whom did you give a present to?) Was Is almost identical with wer s declination Nominative: Was?Was hat die Frau gesagt? (What did the woman say?)Genitive: Wessen? Wessen wird sie angeklagt? (What is she accused of?)Accusative: Was?Was will er trinken? (What does he want to drink?)Dative: None In the German language, instead of declining was in the dative, the prepositional adverb wo(r) will be used, along with a preposition. For example:Woran denkt er? (What is he thinking of?)Womit wirst du das bezahlen? (With what -How are you paying for that?)You will often hear another version of saying such sentences, such as Mit was wirst du das bezahlen? Von was denkst du?, but it is incorrect. Wo Where should actually be translated into two words - Wo and Wohin. Unlike English which uses where for both location and the direction somebody/something is going to, German does make that distinction. You use wo when asking where the location of something is, you use wohin when asking the direction someone/something is going to. Wohin is separable. For example:Wo ist mein Handy? (Where is my cellphone?)Wo geht sie denn hin? (Where is she going (to)?)Another variation of wo is woher. This signifies from where and should be used rather than the often incorrect way of saying Von wo in the sentence Von wo kommst du? Instead say: Woher kommst du? (Where do you come from?). Tip: Wer and wo are false cognates. Just think of them as opposites from the English equivalent and youll always get it right.Wo WhereWho Wer Wann Is also not declinable, but just as in English, it will often be used with other conjunctions to specify its meaning:Seit wannSeit wann schlà ¤ft er? (Since when is he sleeping?)Bis wannBis wann bleibt deine Mutter hier? (Till when is your mother staying here?) Warum For why both the term warum and wieso can be used interchangeably. Weshalb is also used, but not as much as the first two adverbs. Wie   Wie is very straightforward. It is not declinable, doesnt have synonyms and means only one thing - how. For example:Wie lange spielst du schon Klavier? (How long have you been playing the piano?)Wie lange - How longWie oft spielst du Klavier? (How often do you play the piano?)Wie oft - How oftenWie weit ist es bis zur Musikschule? (How far is it to the music school?)Wie weit - How farWie viel kostet diese Handtasche? (How much does this handbag cost?Wie viel - How muchWie viele Punkte hat dieser Marienkà ¤fer? (How many dots does this ladybug have?)Wie viele - How many

Cnit 176 Final Exam Free Essays

string(86) " Level 1 Cache and simultaneously rites the update to Level 2 Cache, it is called: a\." Final Exam – CNIT 17600 – Summer 2011 Name: _______________________________ Multiple Choice (1 point each) 1. Which of the following is the technological advancement(s) that allowed the 4th generation of computing to begin? a. Vacuum Tubes Alternating Current Power Systems b. We will write a custom essay sample on Cnit 176 Final Exam or any similar topic only for you Order Now Transistors Alternating Current Power Systems c. Transistors Direct Current Power Systems d. Integrated Circuits VLSI e. None of the Above 2. In the model of modern computing systems, applications that end uses directly interact with are located at which level? a. Level 0 – Digital Logic b. Level 1 – Control . Level 3 – System Software d. Level 5 – High-Level Language e. Level 6 – User 3. In the model of modern computing systems, the physical circuits and gates that actually perform the basic operations the computer are located at which level? a. Level 0 – Digital Logic b. Level 1 – Control c. Level 3 – System Software d. Level 5 – High-Level Language e. Level 6 – User 4. Which of the following components of the central processing unit is responsible for retrieving instructions and then translating those instructions into executable operation codes and operands? a. Arithmetic Logic Unit b. Control Unit c. Registers d. Program Counter e. None of the Above 5. Which of the following is currently the most popular format for representing signed numbers in computing systems? a. Signed Magnitude b. One’s Complement c. Two’s Complement d. Nine’s Complement e. None of the Above 6. The unsigned 8-bit binary value of 10410 is: a. 1101000 b. 01101000 c. 11010000 d. 10010111 e. None of the above 7. The signed magnitude 8-bit binary value of 10410 is: a. 1101000 b. 01101000 c. 11010000 d. 10010111 e. None of the above 8. What is the value of the two’s complement binary number 10011001? . 153 b. -153 c. -102 d. 103 e. None of the Above 9. Which of the following character codes is the international standard for representing data? a. EBCDIC b. ASCII c. BCD d. Unicode e. All of the Above Inputs x y 00 01 10 11 Output f() 0 0 0 1 Figure 1 – Boolean Logic Truth Table 10. Which of the following Boolean operators defines the truth table described in Figure 1? a. OR b. AND c. NAND d. XNOR e. XOR Inputs x y 00 01 10 11 Output f() 0 1 1 0 Figure 2 – Boolean Logic Truth Table 11. Which of the following Boolean operators defines the truth table described in Figure 2? a. OR . AND c. NAND d. XNOR e. XOR Inputs x y 00 01 10 11 Output f() 1 1 1 0 Figure 3 – Boolean Logic Truth Table 12. Which of the following Boolean operators defines the truth table described in Figure 3? a. OR b. AND c. NAND d. XNOR e. XOR x A y B C D Figure 4 – Digital Decoder Circuit 13. Using Figure 4, which output will be set to a logical 1 when the inputs are x=1 and y=1. a. A b. B c. C d. D e. All of the Above 14. Which of the following is a CPU Instruction Type? a. Data Movement b. Arithmetic Operation c. I/O Instruction d. Boolean Logic Instruction e. All of the Above 15. Which of the following is an enhancement to the von Neumann architecture to increase the apparent speed of a CPU? a. Resource Conflicts b. Structure Hazards c. Data Dependencies d. Pipelining e. None of the Above 16. Which of the following CPU components is responsible for altering the normal flow of process execution? a. Accumulator b. General Purpose Registers c. ALU d. Control Unit e. None of the Above 17. Which of the following describes the process by which the least significant bits of the address determine which memory bank the data will be stored? a. Low-Order Interleaving b. High-Order Interleaving . Byte Interleaving d. Word Interleaving e. Nibble Interleaving 18. Which of the following is typically implemented using capacitors for storage of bits? a. RAM b. DRAM c. SRAM d. ROM e. All of the above 19. Which of the following is typically implemented using D flip-flops for storage of bits? a. RAM b. DRAM c. SRAM d. ROM e. All of the above 20. Which of the following types of m emory is highest in the memory hierarchy discussed in class? a. Main Memory b. L1 Cache c. L2 Cache d. SSD e. None of the Above 21. Which of the following types of memory is highest in the memory hierarchy discussed in class? . Main Memory b. L3 Cache c. L2 Cache d. Registers e. None of the Above 22. A CPU will always check which of the following memory locations first to find data not currently present in registers? a. L1 Cache b. Main Memory c. Secondary Storage d. The CPU randomly chooses which memory location to check first e. None of the Above 23. When a requested data item is available in a given level of the memory hierarchy when the CPU searches for it, it is called a: a. Hit b. Strike c. Miss d. Page Fault e. None of the Above 24. A Direct Mapped Cache system that has 16 blocks of main memory and 4 blocks of cache. If memory block 13 is in residence in cache, which of the following memory blocks will also be in cache? a. 9 b. 10 c. 3 d. 15 e. All of the Above 25. Which of the following attempts to be the most efficient use of limited cache resources? a. Direct Mapped b. Fully Associative Mapped c. Set Associative Mapped d. Indirect Mapped e. None of the Above 26. When a block of memory needs to be removed from the current level of memory hierarchy it is referred to as the: a. Dirty Block b. Block to be Removed c. Expendable Block d. Victim Block e. None of the Above 27. When a block of data is written to in Level 1 Cache and simultaneously rites the update to Level 2 Cache, it is called: a. You read "Cnit 176 Final Exam" in category "Essay examples" Write-Back b. Write-Through c. Write-Around d. Copyback e. None of the Above 28. A hard disk is typically accessed using which of the following? a. DMA Character I/O b. DMA Block I/O c. Channel Character I/O d. Interrupt Block I/O e. None of the Above 29. What is the smallest unit of data that can be retrieved from a hard disk and sent to main memory? a. Zone b. Byte c. Track d. Block e. All of the Above 30. The RAID process by which consecutive blocks of data are written across different physical disks is called: a. Mirroring b. Parity c. Slotting d. Striping e. None of the Above 31. The RAID process by which exact copies of blocks of data are written across different physical disks is called: a. Mirroring b. Parity c. Slotting d. Striping e. None of the Above 32. What is the term that describes when the CPU stops executing one process before all required instructions are complete and then begin executing another process? a. Timesharing b. SPOOLing c. Batch Processing d. Context Switch e. None of the Above 33. Another term for multiprogramming is: a. Multispooled b. Multiprocessor c. Complex State Transitioning d. Multithreaded e. None of the Above 34. Which of the following is responsible for providing the foundational interaction with the system devices for input and output? a. CMOS b. DOS c. BIOS d. CPU e. None of the Above 35. The special, reserved sector on a hard drive that stores the information to bootstrap the operating system is called the _______? a. CMOS b. DOS c. Master Boot Record d. BIOS e. None of the Above 36. Which of the following programming languages requires the largest number of CPU instructions to execute a single program command? a. 1st Generation Languages b. 2nd Generation Languages c. 3rd Generation Languages . 4th Generation Languages e. 5th Generation Languages 37. An operating system is the most popular type of: a. GUI b. Kernel c. System Software d. Tightly Coupled Multiprocessor e. None of the Above 38. Which of the following OS components is directly responsible for interaction with the system hardware? a. Command Line b. Applications c. Service Layer d. Kernel e. None of the Above 39. Which of the following OS components is directly responsible for processing and responding to text-based input from a user? a. Command Layer b. Applications c. Service Layer d. Kernel e. None of the Above 40. What is the technology that largely replaced text-driven, command-based interaction with the operating system? a. BIOS b. DOS c. GUI d. System Software e. None of the Above 41. Which of the following describes the average results that also consider the expected frequency of occurrence of possible outcomes? a. Arithmetic Mean b. Weighted Arithmetic Mean c. Central Tendency Theorem d. Trigonometric Mean e. None of the Above 42. Which of the following is the most common network architecture today? a. Ring b. Star c. Bus d. Mesh e. None of the Above 43. The network used today that is the combination of DARPANet and NSFNet is called: a. Supernet b. Internet c. CombiNet d. SkyNet e. None of the Above 44. Which of the following models is the de facto standard for current network communications? a. OSI b. SNA c. TCP/IP d. DEC e. None of the Above 45. What is the most widely used internetwork layer addressing protocol on the Internet? a. IPv4 b. IPv6 c. TCPv4 d. TCPv6 e. None of the Above 46. Which of the following network devices segments a single network into multiple parts (4 or more) and uses Layer 2 (Data Link Layer) addresses to determine if a frame should be forwarded to another segment? a. Repeater b. Hub c. Bridge d. Switch e. Router 47. Which of the following groups is responsible for drafting and approving updates to TCP/IP protocols? a. W3C – World Wide Web Consortium b. IEEE – Institute of Electrical and Electronics Engineers c. IETF – Internet Engineering Task Force d. ACM – Association of Computer Machinery e. ISO – International Standards Organization 48. Which of the following groups is responsible for drafting and approving Ethernet standards? a. W3C – World Wide Web Consortium b. IEEE – Institute of Electrical and Electronics Engineers c. IETF – Internet Engineering Task Force . ACM – Association of Computer Machinery e. ISO – International Standards Organization 49. Which of the following transmission media are nearly invulnerable to electromagnetic and radio frequency interference? a. Coaxial Cable b. Unshielded Twisted Pair Cable c. Radio Frequencies d. Fiber Optics e. All of the Above 50. An IP address a nd TCP port number form a(n) ________. a. URL b. Socket c. Connection Identifier d. All of the Above e. None of the Above 51. A(n) _____ contains a protocol, Internet host, port, and resource path? a. Uniform Resource Address b. Uniform Resource List c. Uniform Resource Allocation d. Uniform Resource Location e. All of the Above 52. When multiple elements are part of a single logical grouping, it’s appropriate to use the ____ selector to target them for formatting. a. Class b. ID c. Child d. Type e. None of the Above 53. An element is made up of ____________? a. Opening and Closing Tags b. Attributes c. Opening Tag, Closing Tag, and Attributes d. Opening Tag, Closing Tag, and Optional Content e. None of the Above 54. When using the CSS box model, content is configured with the following CSS declaration block. How wide, in pixels, is the resulting box? idth:250px; padding:10px; border:5px solid black; margin:5px; a. 250 b. 280 c. 290 d. 300 e. None of the Above 55. Referencing an external CSS file uses the ____ element. a. href b. link c. rel d. type e. None of the Above 56. Style follows a strict order of precedence to resolve conflicts. The order of precedence, from highest priority to lowest priority is ____. a. Internal, I nline, External, Browser Default b. Inline, External, Internal, Browser Default c. Inline, Internal, External, Browser Default d. Browser Default, External, Internal, Inline e. None of the Above 57. In HTML, which character is used to indicate a closing tag? a. * b. % c. d. / e. None of the Above 58. The tag is similar in formatting to ____. a. Italic b. Bold c. Underline d. Heading 1 e. None of the Above 59. The tag is similar in formatting to ____. a. Italic b. Bold c. Underline d. Heading 1 e. None of the Above 60. Which of the following is NOT valid XHTML? a. b. c. d. e. All of the Above are valid XHTML 61. What level of XHTML validation eliminates support for the element? a. XHTML 1. 0 Introductory b. XHTML 1. 0 Frameset c. XHTML 1. 0 Transitional d. XHTML 1. 0 Strict . None of the Above 62. The model that is dynamically built by the browser every time a webpage is loaded that defines the structure of each element and object on the page is called _________ a. SEM – Structure of Elements Model b. EOM – Element Object Model c. PSM – Page Structure Model d. DOM – Document Object Model e. None of the Above 63. An XML document MUST begin with which o f the following? a. b. c. b {color:green} What color is this text? a. Red b. Blue c. Green d. Browser Default e. None of the Above 69. Using the following markup, what color will the word â€Å"color† be? ,b {color:blue} What color is this text? a. Red b. Blue c. Green d. Browser Default e. None of the Above 70. Which of the following is the preferred method of formatting and displaying XML content as a webpage? a. A browser will render XML by default b. CSS c. XSLT d. XML modifiers e. None of the Above Matching (1 point each) 71. Can be embedded or external a. HTML 72. Requires the use of a either strict, transitional, or frameset DTD 73. Provides the structure of a web document 74. Enables data portability b. XHTML c. CSS d. XML e. XSLT 75. Translates XML into HTML or other usable output How to cite Cnit 176 Final Exam, Essay examples

Retail Banking Corporations or Other Bbanks

Question: Discuss about the Retail Banking Corporations or Other Banks. Answer: Introduction: Retail Banking is also known as Consumer Banking, retail banking is the provision from which banks provide services to its individual customers but they did not provide any services to companies, corporations or other banks. Banks offer services to its individual consumers such as transactional accounts, mortgages, personal loans, debit cards, and credit cards.People believe that traditional banking failed, because new banks provide better services and products to its customers. Banks changed their products and services, so that they can meet the customer satisfaction, regulatory requirements, technology, entrance of new competitors and changing economics. Many options are available for banks through which they can respond the change such as framing future strategies, follow the change faster, react defensively to the change, and put off the change. Banks do not have the option to stay the same, it is necessary that they made changes in their model. For future growth it is necessary that banks also focus on the innovations and transformation, if they only rely and execute on todays development then they are not able to meet future expectations of their customers. It is necessary for future growth that financial institutions open their door, and prepare themselves for adopting the different changes (PWC, n.d.). From the last few years there are many changes taking place in retail banking industry. In other words, retail banking industry is transforming because of powerful forces. Presently it is difficult to achieve growth for the retail banking industry because it is hard to bear cost and low ROI. For retail banks customer satisfaction, effective management of operations isbecome challenge, and rapid changes in technology become these challenges difficult to achieve. Many new banks are also become challenges for traditional banks because these new banks attracting the customers with new and innovative techniques. Demands of customers are increasing and they are now demanding services of higher level. Bank executives at global level said that for future growth it is important that they prepare strategy and market view to survive. 70% executive thinks it is important to prepare for future, and less than 20% feels that they are prepared for future. It is important to identify the problems and threats that retail banking industry going to face in future, and also prepare plans for that (The financial brand, 2016). In this paper we discuss and critically analyze the changes appear in retail banking related to service quality, branch infrastructure, and electronic banking services. We also critically evaluate US Bank on the basis of these issues, and how this bank deals with the problems that are building in the banking market. Later we comment the growth of bank in terms of profit and asset size. This paper contains the evaluation of problems faced by retail banking industry in future, and how banks are prepared themselves to deal with these problems in future.At last we conclude the report with the brief conclusion. Retail Banking: Financial services industry experiencing major changes because of changes occurred in customer behavior, increasing expectations, modification of technology, and digitization of society and businesses.Many external forces become the reason of changes in retail banking industry. Global financial crises also effect the regulations which regulate the retail banking industry but there are many other factors which change the banking environment. Technology plays the most important role in these changes, and it also gives new definition to the relationship of bank and customers. Technology not only becomes the reason of changes but it also gives many new opportunities to this industry. As we all know threats always follow the opportunities, and many new threats are also introduced in this industry. For the traditional banks the biggest threat is nontraditional banks. 55% of the bank executive said that nontraditional banks are threat to traditional banks. Banks are hungry for growth, and they are adopting various ways to attract the new customers. For next two years the major challenge faced by banks are attracting new customers. However, banks already recognized that customers relation are key to success, and they are focusing on strengthen their customer relation. Service quality provided by banks becomes the top priority for banks at global level. For US and European banks top challenge is to comply with the changing regulations. According to Grant Thornton,personal current accounts (PCAs) are the source which provides highest interaction with customers as compared to other financial products of the bank. Almost 50% transactions are conducted in branches of bank. Therefore, it is important that while forming strategies for customers, bank does not neglect PCAs and other branches because these two are the platforms which provide growth in sales. He further states that solutions which are used yesterday are not useful for future problems (Thornton, 2013). In US, comply with the regulatory standards is the priority for retail banks, and they are stabilizing their balance sheets. It becomes difficult and challenging for traditional banks to deal with the microeconomic and geopolitical environment at global level, which are joined by the rapid change in technology and changing in requirements of customers. In this we evaluate US bank, nationally chartered bank which is regulated by Office of the Comptroller of the Currency, Department of the Treasury. U.S. Bancorp is the parent company of U.S. bank national association. U.S. Bancorp is the holding company engaged in providing American financial services. U.S. bank is the fifth largest bank in United States (US bank, n.d.). In this we evaluate this bank on the following bases: Service Quality: Service means those actions which create and improve relationship between the organization and customers. Service is the benefit that was offered by one party to another party.Service is intangible and does not pass any ownership. Service is the activity which is economic in nature, and this process is conduct to provide satisfaction to the customers. Therefore, services provided by retail banks are considered important because itcreates and strengthen the relationship between bank and its customers. There is awell known fact related to customer satisfaction that it is hard to satisfy the customer but it is very easy to lose their satisfaction. Customer satisfactions not only retain the customer but also help the banks in attracting new customers and increase their market share and profitability (Zungu, 2012). In retail banking industry the most important factor for customers is service. For growth in banking industry it is necessary that bankfocus on giving high quality services to their customers because service quality meets various objectives such as customer satisfaction, trust of customers, help in attracting new customers, and increase the share in market and profitability. Service quality can be evaluated by calculating the difference between customer expectations and actual services provided to customer. For future growth it is important for banks that they attract new customers, and service quality is the weapon which is used by banks to attract and retain customers. It is necessary for the banks to identify the expectations of customers, and after that meet these expectations by making changes in service process and strategy. The most important factors for meeting the expectations of customer is identify the service expectations of customers (VasanthaKumari Rani, n.d.). In US, big banks improve their services to satisfy their customers, while midsize banks are still fighting to reach that level, and regional banks still not showing any progress in this field. Big banks take various steps to meet their customers expectations such as new digital and innovative techniques; they strengthen their personal interactions with their customers, and establishing connection with that segment of population which shows growth. Banks are trying to satisfy their customers in following six areas that are information related to account, facilities providing to customers, fees, how effectively problems are resolved, and by offering different products to customers. They are also providing number of other facilities that is ATM, braches, IVR,mobile, website, and call centers to resolve problems (J.D. Power, 2016). Customer satisfaction is the challenge faced by both public and private sector banks, and it is handled on priority by both the sectors. A study shows that expectation of customer varied as per the service nature. Measurement of customer satisfaction through surveys helps the banks in improving their services. The most important expectation of customers from banks is keeping their investments safe and keep confidentiality of their account and transactions. It is also important that banks work on those areas also which are weak in meeting customer expectations. This service is the most important service that banks are providing their customers, because if customer is satisfied then this will help banks in making profit and reputation (Muyeed, 2011). US bank are the first one who provides banking services in villages, small towns and growing cities across the nation in the 19th century. Now US bank is focusing on the future of the company by developing a business model which is well diversified, arisk management policy, and strategies to achieve results of the company. U.S. Bank National Association is the fifth largest commercial bank in the united nation, and the assets of bank almost cost $354billion on 31st December 2012. U.S. Bancorp which is the parent company of U.S. Bank National Association is the admired superregional bank in the nation. This bank is recognized for its strong performance in financial aspects, risk management, capital generation,for the quality of its products and services to its customers. This bank provides large number of services to its customers, businesses, government and other financial institutions. The primary businesses of US bank are its regional consumers, business banking and management services related to wealth. At the end of 2012, 3084 banking offices were operated by companies and almost 5065 ATMs in 25 states, US banks is one of the oldest bank of nation which is operating under its original charter, and this bank has almost 66000 employees (US Bancorp, 2013). US bank provide number of services to its clients such as private client group. In this approach customer get support from team of professionals who provide number of strategies and valuable advice to the customers. In this approach customer gets easy access to professionals, efficiency of work and confidence. This team of professionals is directed by relationship manager, and this team provides: Number of products and services to its customers. Customer can access their accounts by their phones. Transactions can be done online or in person. Comprehensive Wealth Management Services: These groups also focus on providing Comprehensive Wealth Management Services, and design such financial plans that relates with the financial life of customers. There are a large number of services which are offered by these groups such as online banking, investment management, trust and financial planning from the management of US Bank, U.S. Bancorp investments provide services related to insurance services and financial planning. They provide every possible service to their clients, and tried to fulfill financial goals of the customer and simplify their financial life (US Bank, n.d.). Following are the services provided by the US bank: Investment strategy- investment strategy is based on the process that is advisory and basically depends on understanding the goals of clients, assessment of risk and tolerance of risk, and time frame. After considering all these factors experts frame the strategy for their client. The main goal of expert behind framing the strategy is to achieve the long term results and minimizing the risk of client. Options are provided by US bank for investment are Individual stocks, Managed portfolios, Mutual Funds provided by other fund companies, and other investments related to fixed income or Bonds (US Bancorp, n.d.). Trust Administration- from many generations US bank is creating and providing trust to its customers. The Private client group offers many trust services to its customers, and the professionals of these groups handling trust issues of their clients related to financial and emotional matters very well.Professionals of these groups always try to create and maintain that trust, and they provide best services by trust administration. The services provided by the trust administration of US bank are Revocable and irrevocable trust administration, Estate administration, strategies related to Charity, planning regarding business succession, and management of risk. The trust professionals also serve to their clients as agent, co. trustee and corporate trustee, and they also take responsibility for carrying out the terms related to trust. If professional are working as trustee or agent then they work in the best interest of client by managing the portfolio of investment. They work as a professional portfolio manager who designs best asset allocation strategy according to the investment objectives of customer (US bank, n.d.). Private Banking: The private banking relationship manager of private client group will provide personalized services to their clients. US bank provide number of variety in customer services and products to manage the money of their customers. Such service includes: Checking the accounts of their clients, saving the money market accounts, and CDs with number of flexible rates and returns. Services provided by professionals like custom financing which are designed by the professionals of group to meet the tax liability, liquidity, and situations related to cash flow. They also provide services related to finance related to special purchases, funding for stock option exercises, credit cards and limit of credits. Real estate lending which also includes customized financing (US Bancorp, n.d.). Insurance services- the private clients group offer number of strategies for fulfilling personal and professional needs of person. These insurance strategies includeplans that provide protection to the personal and business assets of client. These offers provide life insurance, disability insurance, and long term care insurance that helps to the clients during their life changing events. For businesses it includes protection related to person, insurance for business continuation, and executive benefits (US Bancorp, n.d.). After considering all above facts, it is clear that quality services for customers are the key to success and growth of business. Branch infrastructure: In 1970, some basic cores facilities were provided by the banks to their customers, but in last few years there is ahuge change in the infrastructure of retail banks. Now banking industry provides platform that will provide multichannel facilities to their customers. Due to digitalization, the banking sector face number of changes and after 2012 many new changes have introduced such as online banking, social networking, online payments, and mobile banking. These changes are necessary for the growth and success of retail banks, because now customers are demanding more facilities and convenience related to banking products, services and banking infrastructure. For developing the platform which provides better services to customers it is necessary that banks simplify their current structure, ensures data consistency, and also ensures integrity of various processes. The banking industry face number of changes because of these new elements, and number of organizations which are not relate d to banking sector are integrated in retail banking chains (Capgemini, n.d.). Retail banking industry already converted from traditional business into digital business because of accessibility of broadband and affordable devices such as smart phones. 50% customers at global level are doing their banking transactions through online banking or mobile banking especially in countries like Australia and Nordic countries, and 85% in case of ATMs because ATMs are also connected through internet. In this world of digitalization, there are number of banks which are still running their banks in traditional manner and far away from digitalization. In this era, there are five essential traits which are required by the banks for success and growth in the future: Different digital experience for customers- Retail Banking industry have number of new technology such as mobile banking, online, newinternal process, but now banks which are actually customer centered are developing new physical and digital ways to make banking easier for their customers. For example Commonwealth Bank of Australia (CBA), introduced new mortgage schemes, and banking products to help their customers in buying new home. Such experiences create those platforms which add value in the reputation and success of banks. Therefore, it is necessary that banks not only follow the customized ways but also create new ways to satisfy their customers (Fellows Mabanta, 2008). One market at a time- now it is necessary for banks that they achieve the goal of providing services anytime, anywhere and anything for their future success. For achieving these goals banks opt for different ways and methods such as some banks are shrinking their branches and some are opening new branches. Overhaul the technology platform to simplify customers lives- achieving the IT capabilities becomes the competitive advantage for those banks which invest in technology. Traditional infrastructure which is not updated by many banks becomes the immense problem for those banks. Some basic facilities are operating by the customers on their mobile or online, but many transactions like for transferring funds in some other countries, customers still move to branch. There are some new innovations for bank which must be addressed by retail banks such as joined customer data which help in create file of customer data, single file for customers so that employees can check that file, and technology that help in one and done process. Fund the transformation by leaning out the legacy- funding the investment is the major challenge for the retail banks in this changing era. Banking industry istrying to freeing up funds by making their process, organization and products simple. Banks also adopt new to ways to minimize their transaction cost such as by making many transactions online, and other methods to reduce the cost are process automation, reduce the staff by redesigning the branch, and by avoiding the bad volumes, and streamlined sale processes. Organize to speed up innovation and change- number of changes is introduced in banking industry by way of digital transformation and new technology. Many traditional banks are adopting these changes but in slow manner which result in low rate of success (Baxter Vater, 2014; PWC, 2012). Branch infrastructure of US bank: according to Jason Witty, CISO of U.S. Bancorp, government took the right decision under Barack Obamas leadership that almost $3.1 was proposed on plan of retire, replace and modernize the legacy information technology within government. MR. Witty Tells CIO Journal says that outdated software is insecure, and further said that criminals always try to find new softwares to exploit the technology. Outdated softwares are of no use now and they did not serve the purpose to their vendors. Outdated software also played important role in high profile breaches by government that happens last year. It is necessary that government update their IT systems because out dated IT systems are insecure. In case when computer is secure but it switched off and start after 30 days then it will be no longer secure becausesoftware is not static now. This happen because of new viruses, every day almost 70000 new viruses are hitting the internet, and there are number of new holes developed by criminals. Therefore, it is necessary that banks update their infrastructure and technology to avoid such things (King, 2016; US Bancorp, 2011). Electronic Banking Services: For large number of people electronic banking stands for access to cash for 24 hours either through ATM or through direct deposit of paychecks into current or saving account, but there is lot more in electronic banking. Now electronic banking involves many different transactions, rights and responsibilities. Electronic banking also known as electronic fund transfer, and funds are transferred by use of computer and other technology instead of paper or checks. EFTs can use by cards or codes that authorize the person to access the account (Pacific, 2015). There are number of financial institutions which use these ATM, debit cards, and personal identification number while some other institutions use signature or scan. Now banks convert the simple purse into electronic purse. In the era of using plastic card, electronic purse is the next landmark or development.Electronic purse is basically based onsmart card which stores information on its microchip. A person can upload cash on this smart card either through ATM or telephone terminal which is specially adapted only for this purpose. Smart card represents the sale point and its value automatically gets decreased by the amount of transaction.Following are the EFT services provided by financial institutions: ATM- these are the terminals which can be accessed electronically at any time, and these terminals can be used for the purpose of withdraws of cash, depositing the cash, and transfer funds to another bank account. A person can access these services by insert his ATM card and enter pin. Some banks charge fees for that, especially when person dont have account with them (Federal Trade Commission, n.d.; Standard chartered, n.d.). Direct deposit- these deposits authorize the person for specific deposit such as paychecks, and other benefits on regular basis in account. Through this person can authorize direct payment of bills such as mortgage amount, gym, insurance amount are paid automatically through account. Pay-by-phone- this system authorize aperson to instruct the bank to pay some specific bills or transfer funds to another account, but it is necessary that person must have agreement to make these transfers with the banks. Personal computer banking- this type of banking lets you help in handle number of business transactions by using the personal computer. For example person can transfer the funds between accounts by using his personal computer. Debit card- this card help in making payments through account at the purchase place, and this card can be the ATM card also. Transaction can be placed through online, person or mobile phone. It is necessary that person has sufficient funds in his account while making purchases (Edgewater bank, n.d.). US Bank provide number of services which can be availed electronically by their customers. There are number of Electronic services which are provided by US Bank are: Manage money online- customers can manage their money online, and control their finance through online banking. Its become easy for customers because they are able to operate their account online. Customers can do many things through online banking such as:Customers can monitor the status of their account, and can access important information about their accounts like check balance and status of recent transactions.Customers of US bank can transfer the money through their US bank account to other bank account.They can set the alerts of low balance in their account or any payment due.Customers can view and print their account statement of US bank for last 7 years, and can track their transaction to manage their account (US Bank, n.d.).Pay bills- US bank provide another service to their customers that is online payment of bills. Customers can pay their bills inminutes through their account in US bank. Following are the services which customers can availed:US Bank customers can pay thei r bill on time and in easy manner. They just have to instruct their bank who to pay and how much to pay through online mode.Bankprovides service of fast payment that is payment of money either on same day or overnight.While making payments online person can control his account always, and he can cancel or edit the payment when it is in process (US Bank, n.d.).Deposit check online- now person can deposit his check in the account through online. It is easy and secure way to deposit the check whenever or wherever you want. All just aperson needs camera on mobile phone or scanner on computer. There are two ways to deposit the check online that are: Customer can deposit their check online with the help of camera on mobile device.Customer can deposit their check through computer with the help of scanner (US Bank, n.d.).Send money- a person can send money through his US bank account to any other bank account in United States. It is the free, fast and safest way of sending money (US bank, n .d.). US Bank provide 24 hour support to their customers through their new online tools, high level of security, and 24/7 phone support and personal service at 3000 branches. US bankprovides number of new services and get online banking on next level. Problems faced by retail banking industry in future: In this we discuss the challenges faced by retail banking industry in near future, and the five threats faced by banking industry. These five threats plays important role in shaping this industry. Following are the five threats in near future for banking industry: Expansion of security market- in last few years banks enjoy cheap funding on amount deposited by customers, but when European Banks start to shrink their assets which are risk weighted, and their capacity of lending remained constrained then company move towards capital market and raise more money from capital markets. This same situation is also held in US. In US, the portion of house hold assets that was held in currency or deposit will start falling between the periods of 1990-2012. This change result in increasing funding cost for banks at that time when they are trying to make savings. New rules created by new entrants- new entrants in retail banking industry are enjoying success and growth in this industry. During the period of 2010, Metro bank registered almost 9000 current accounts, and in 2014 the figure boosts up to 318,000. There are number of online banking sites which compare the banks, and help the customers in choosing the best value making bank. These sites point out all the pros and cons of banks and this become difficult for banks to hide their weak points. Technology is reinventing services offered to customers online and mobile banking shows rapid growth, and it is assumed that by 2020 the value related to other alternate payments are equal to cards. According to research many customers does not consider any value related to mobile banking, but research also conduct that those customers who use mobile banking are more loyal to it. Google Bank PLC? Technology experts companies can enter into this industry, and then it becomes difficult for existing banks to compete. Experts think that this threat is misunderstood and if these technology expert companies launch their banks then they face abig scrutiny from investors and regulators (Delloite, 2014). There are some other challenges also which are very common in todays era and those changes reflect increased expectations of customers from banks, profitability of banks are not enough, there are number of financial technology companies which entered into this market because of which competition gets tough for existing banks, and pressure from regulatory environment is really high (Schubert, 2015). Therefore, it is necessary for banks that they act fast in this changing era, and adopt the change as soon as possible. Last few years, we see rapid changes in this industry and this change put pressure on banks to change their process so that banks can adopt these changes more quickly. Those banks which are not adopting the changes quickly will leave behind in the race of success. Adopt changes faster does not mean that banks execute their strategy faster rather its about framing the strategy faster. In traditional banks decision making process is slow but it is necessary for future growth that they make their decision making process faster. Conclusion: In this report, we discuss the future of retail banking and different aspects of retail banking by evaluating the US Bank. First, we stated the meaning of retail banking which was also known as Consumer Banking, and it is considered provision from which banks provide services to its individual customers, but not serve anything to companies. This report contains three aspects of retail banking that are: Service quality- this aspect of retail banking is the most important aspect and it helps the organization to create and improve relationship with customers. It is considered as benefit offered by one party to another party. Service is not in tangible form and it does not pass any ownership. In banking industry, the most important factor is service for customers. For success and growth, banks must focus on providing high quality services to their customers. Branch infrastructure- this industry witnessed many changes from last few years and especially after 2012 many new changes have been introduced such as online banking, social networking, online payments, and mobile banking. For the purpose of success and growth of banking industry these changes are necessary because now customers want more facilities and convenience in their day to day life. Therefore, it is necessary that bank develop platform which provides better services to customers by simplify their current structure, and also ensure data consistency. Electronic banking- generally, electronic banking is the direct access to cash for 24 hours either through ATM and direct deposit of paychecks into current or saving account. Electronic banking includes more things in its ambit such as ATM, debit cards, electronic purses, Credit cards, etc. different transactions and rights and responsibilities are stated in EFT. After these aspects we discuss threats faced by banking industry in future and those threats are Expansion of security market, New rules created by new entrants, Technology is reinventing services offered to customers, Google Bank PLC, and there are some common threats also faced by banks that are expectations of customers from banks, profitability of banks are not enough, there are number of financial technology companies enter into this market because of which competition gets tough for existing banks, and regulatory pressure. Therefore, for survival and success of their organization, banks must change their structure and services as per new requirements of customers, and also adopt these changes as soon as possible. Banks which are making changes in their structure as per requirements will leave behind in the race of success. At last we conclude that if banks are not ready to face these challenges in future then this become restraint in their growth and success. References: PWC. 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