Adoption of Information and Communication Technology Essay

Abstract Nigerian banking industry has become highly ICT-based and is reaping the benefits of technological revolution as evidenced by its application in most of its operations. The objective of this paper was to determine if the Nigerian banks have failed or succeeded in the adoption and use of ICT (see table 2.1). An evaluation of the adoption and use of ICT infrastructures from the periods between years 2000 to 2008 indicated steady growth. It is presumed that as of today, the Nigerian banks may have attained their ICT potentials in their operations, though with some challenges. The paper concludes that the adoption of ICT has influenced the content and quality of banking operations. This paper recommends that investment in information and communication technology should form an important component in the overall strategy of banking operators to ensure effective operations. Keywords: Information, Communication, Technology, Banking & Industry. INTRODUCTION Information and Communication Technology (ICT) is the automation of processes, controls, and information production using computers, telecommunications, software and other gadget that ensure smooth and efficient running of activities. It is a term that largely covers the coupling of electronic technology for the information needs of a business at all levels. ICT has surpassed the role of support services or only electronic data processing; its fields of applications are slightly global and unlimited. Its devices especially the Internet and modern computer email facilities have further strengthened early modernizations like the telephone and fax. Other ICT devices include data recognition equipment, factory automation hardware and services, telecomputing and teleconferences using real time and online system (Adeoti, 2005). The application of information and communication technology concepts, techniques, policies and implementation strategies to banking services has become a subject of fundamental importance and concerns to all banks and indeed a prerequisite for local and global competitiveness. Information and Communication Technology (ICT) directly affects how managers decide, how they plan and what products and services are offered in the banking industry. It has continued to change the way banks and their corporate relationships are organized worldwide and the variety of innovative devices available to enhance the speed and quality of service delivery. Harold and Jeff (1995) contend that financial service providers should modify their traditional operating practices to remain viable in the 1990s and the decades that follow. They claim that the most significant shortcoming in the banking industry today is a wide spread failure on the part of senior management in banks to grasp the importance of technology and incorporate it into their strategic plans accordingly. Considering ICT to ensure banks survival, Woherem (2000) claimed that only banks that overhaul the whole of their payment and delivery systems and apply ICT to their operations are likely to survive and prosper in the new millennium. He advices banks to re-examine their service and delivery systems in order to properly position them within the framework of the dictates of the dynamism of information and communication technology. The banking industry has witnessed tremendous changes linked with the developments in ICT over the years. Nigerian banks have undergone changes in their operations since the consolidation process of 2005, when some banks were forced to merge with others to meet Central Bank of Nigeria’s (CBN) recapitalisation fund necessary for operation. Until then, most of the banks operated paper based systems at inception and later adjusted at the dawn of ICT revolution. In recent times, ICT, which basically involves the use of electronic gadgets especially computers for storing, analyzing and distributing data, is having a dramatic influence on almost all aspects of individual lives and that of the national economy – the banking sector inclusive. The increasing use of ICT has allowed for integration of different economic units in a spectacular way. This phenomenon is not only applicable to Nigeria but other economies of the world, though the level of their usage may differ. In Nigeria, ICT usage especially in the banking sector, has considerably improved, even though it may not have been as high as those observed for advanced countries (Adeoti, 2005; Adeyemi, 2006). The use of ICT in the banking sector became of interest to this study due to the significant role it plays in the economy. It helps in stimulating economic growth by directing funds to economic agents that need them for productive activities. This function is very vital for any economy that intends to experience meaningful growth because it makes arrangements that bring borrowers and lenders of financial resource together and more efficiently too than if they had to relate directly with one another (Adam, 2005; Ojo, 2007). In essence, the banking sector acts as a bridge that connects lenders and investors in the economy. The bank reforms (especially the recapitalization that specifies a minimum capital base of 25 billion naira for commercial banks), are pursued with a view to making the sector realize its objectives in advancing the economy (CBN, 2006). It is expected that the impact of these reforms will be enhanced with the use of ICT because it will create some form of competitive advantage and improve banking services through accuracy and efficiency in their transactions. In other words, it will change the nature of banks’ services in terms of quality which will culminate in greater service delivery and productivity. This is in tandem with the findings made by Adeoti (2005) that the use of information technology has the ability of improving the competitiveness of Nigerian manufacturing industries. In fact, ICT has had an impact on the Banking Industry as its emergence allows banks to apply credit-scoring techniques to consumer credits, mortgages or credit cards. Hence, products that used to be highly dependent on the banks ´ evaluation of its customers have now become more standardized. Other examples of ICT impact on the Banking Industry include the increased process efficiency, which can reduce costs in banks. This has also produced changes in the structure of bank income. As a result of increased competition that has lowered margins in lending operations (the banks’ traditional business), banks have diversified their sources of income and rely increasingly on income from fees services rather than interest rate spreads. Fees charged for services include typical banking activities like payment transactions, safe custody and account administration. Data storage and retrieval is another wonderful innovation brought into the Banking Industry, where specialized software is engaged to create database to be manipulated by Database Management Software (DBMS). A single database created could be used for several purposes within the system in order to eliminate data redundancy. From the above discourse, this paper seeks to determine whether or not the adoption of ICT enhances the operations of Nigerian banks. To achieve this, the introductory part of this paper after defining what ICT is, clearly established that to remain viable in the current age as financial concerns, banks must adopt ICT. In the succeeding sections, the paper will review relevant literature and identify the types of ICT infrastructures used in Banks; the benefits and effects of ICT on banking industry will be discussed, after which an evaluation of its success or failure will be done; then, the conclusion and recommendations will be made. LITERATURE REVIEW The Concept of ICT and a Perspective in Nigerian Banks Technology can be referred to as the application of knowledge for the execution of a given task. It entails skills and processes necessary for carrying out activities (works) in a given context, while ICT encompasses computer systems, telecommunication, networks, and multimedia applications (Frenzel, 1996). It came into use in the late 1980’s replacing earlier terms like Electronic Data Processing (EDP), Management Information System (MIS), although the latter terms are still in use (Frenzel, 1996). ICT has transcended the role of support services or only electronic data processing; its fields of applications are somewhat global and unlimited. Its devices especially the Internet through the World Wide Web (www) and modern computer email facilities have further strengthened early innovations like the telephone and fax. Other ICT devices include data recognition equipment, factory automation hardware and services, tele-computing and teleconferences using real time and online system (Adeoti, 2005). It is a concept that is having a remarkable effect on almost entire aspects of the human endeavours. This connotes that it involves the application of principles to engage physical component in achieving an intended goal. The convergence of computer and telecommunication after about four decades of applying computers to routine data processing, mainly in information storage and retrieval, has created a new development where information has become the engine of growth around the world. This development has created catch-up opportunities for developing countries such as Nigeria to attain desired levels of development without necessarily ‘reinventing the wheels’ of economic growth. This new technology has brought far-reaching revolution in societies, which has tremendously transformed most business (banking) scenes (Ovia, 2005). With respects to the banks in Nigeria, the first established bank was in 1892 (then African Banking Corporation). However, there was no banking legislation until 1952 when three foreign banks (Bank of British West Africa, Barclays Bank, and British and French Bank) and two indigenous banks (National Bank of Nigeria and African Continental Bank) were established, with a total number of 40 branches (Iganiga, 1998). As at 1988, the Nigerian banking system consisted of the CBN, 42 commercial banks and 24 merchant banks (Iganiga, 1998; Adam, 2005). From 1970, the banking sector grew significantly in terms of number and coverage as a result of increase in economic activities. However, between 1970 and 1985, the growth of the sector was relatively slow due to predominant government regulations but the period 1986-2000 witnessed a phenomenal growth of the sector as a result of the financial deregulation policy, that is the Structural Adjustment Program-SAP of 1986 (Iganiga, 1998). This brought about the liberalization of bank licence leading to a rapid change in the sector. Some of the banks were characterized by paper oriented methods, rather than technological based systems and this resulted to slow pace of their operations vis-à  -vis their employees’ productivity cum general performance. The use of computers and other ICT gadgets in their operations were limited. This was one of the reasons adduced by Ojo (2007) as factors responsible for the Nigerian financial sector malaise. To mitigate the shocks experienced in the system, the Federal Government of Nigeria came up with the financial sector reforms through the CBN. The policy thrust on bank reforms encompasses the sum of the variations that occur in the direction of a comprehensive banking system. The bank reforms agenda, among others, specified a minimum capital base of 25 billion naira for the commercial banks that took effect in December, 2005 (Diamond Bank, 2005; CBN, 2006). This has reduced the number of commercial banks in Nigeria from 89 to 25, which was done via the processes of mergers, acquisition and the stock market (CBN, 2006; Ige, 2007). The major aim was to make Nigerian banks vibrant and resilient, clothed with efficiency and financial strength to absorb possible shocks, thereby instilling public confidence as well as global relevance (Soludo, 2004). ICT and Nigerian Banking Sector The revolution in ICT has made the banking sector changed from the traditional mode of operations to presumably better ways with technological innovation that improves efficiency. ICT can enhance efficiency via its use and in recent times banks have been encouraged by the rapid decline in the price of ICT gadgets. This has perhaps increased the bank level of ICT usage (Ovia, 2005).The increase might have also be attributable to business environment that became relatively flexible to accommodate new forms of technological change as a result of reforms in the country. Banking is becoming highly ICT-based and because of its inter-sectoral link, it appears to be reaping most of the benefits of revolution in technology, as can be seen by its application to almost all areas of its activities (Akinuli, 1999). It has broadened the scope of banking practices and changed the nature of banking as well as the competitive environment in which they operate. A broad opening has been experienced around the world for banks and they are currently taking due advantage of these innovations to provide improved customer services in the face of competition and faster services that enhance productivity (Akinuli, 1999; Ovia,2005). Technological advancement facilitates payments and creates convenient alternatives to cash and cheque for making transactions. Such new practices have led to the development of a truly global, seamless and Internet enabled 24-hour business of banking. ICT revolution both in terms of innovation rate, speedy operation, and cost per unit (portraying reduction in average total and marginal costs) has made a good number of banks embrace the use of ICT infrastructure in their operations (Akinuli, 1999). The technological innovation that is being witnessed currently in the Nigerian banking sector is possible of impacting on the banks’ mode of transactions especially in their payment systems. The payment systems are made feasible by ICT gadgets such as Automated Teller Machine (ATM), Electronic Fund Transfer (EFT), Clearing House Automated Payments (CHAPs), Electronic Purse (E-PURSE), Automated Cheque Sorter (ACS) and Electronic and Transfer at Point of Sale (EFTPOS), which have made transactions easy and convenient. This phenomenon is capable of bringing about speedy operations and enhanced productivity (Adeoti, 2005; Ovia, 2005). Though there may be little interruptions at times due to network failures, which may make customers unable to carry out transactions at that point in time. This little shortcoming is not in any way comparable to the days when banking halls were characterized by long queues mainly as a result of delays in the traditional banking operations. Now banks can provide comprehensive services to their customers by making them access their accounts via online services. These instruments have an edge over the traditional payment instruments because it is safer, more efficient, convenient and cost effective. Before the introduction of these ICT services in the banking industry, manual processing of documents were in use. The bankers were made to cope with this onerous task, and the process made business transactions minimal. Besides several hectic procedures, people had to contend with, banks’ customers were inevitably made to spend several hours in the congested banking halls in carrying out their transactions (Ovia, 2005). The present situation The ICT culture in Nigerian economy can be said to be on the increase. Nigeria is the largest Internet subscriber in Africa with about 100,000 Internet users as at 2000, which was estimated to have grossly increased (Balancing Act, 2007). It has also been observed that Nigeria’s telecommunication density had remarkably increased by more than 2,550% from 0.35% in 1992 to 9.3% in 2004, thereby greatly exceeding the International Telephone Union’s (ITU) benchmark of 1% (Ndukwe, 2005). This phenomenon has helped banks keep substantial information on-line which reduces the cost of marketing their products. Being a competitive tool, it enhances the creation of customized services, reduces the cost of operation, and improves productivity as well as profitability. More interestingly, almost all the banks in Nigeria have internet and on-line real time banking facilities which has improved the scope of Nigerian banking. It has aided transfer of funds from one location to another without any involvement of facial transactions thereby reducing the incidence of loss of funds to stealing and the likes. Another recent one is the telephone banking technology that allows customers to have transactions on their accounts by calling a particular telephone number, through voice activation, and using a tone pad. All of these improve the comfort of banking transactions. THE TYPES OF ICT SUBSTRUCTURES USED IN BANKS Ovia (2005) opined that ICT adoption will improves three critical domains which are efficiency, quality, and transparency in any organisation. Agboola (2001) discussed the dimensions in which automation in the banking industry manifest in Nigeria. They include: Bankers Automated Clearing Services: Automated Payment Systems, Automated Delivery Channels. In the analysis done by Alawode and Kaka (2008) on ICT infrastructures used in Nigerian banks between the periods of 2000 to 2008, found a proportionate increase in adoption and use. The specific ICT infrastructural use within year 2000 to year 2008 include Internet Access; Internal Network; SMS Alert; Substitution of Postal Mail; ICT Security Measures; Authentication and Automated Payment System. The tabular presentation of the ICT structures and the analysis are presented below. This analysis and other recent literature will form the basis for evaluation of ICT adoption success or otherwise, and informs its inclusion in this seminar paper. TABLE 2.1:SURVEY DATA OF SOME SELECTED BANKS IN NIGERIA AND THEIR UPTAKE IN SOME ICT INFRASTRUCTURES Serialnumbers| ICT infrastructures| Percentage of Nigeria Banks that use a particular ICT infrastructure within year2000 to year 2008.| | | 2000 – 2002| 2003 – 2005| 2006 – 2008| 1| Internet Access | 27%| 88%| 91%| 2| Internal Network| Wire based| 68%| 82%| 92%| | | Wireless| 08%| 19%| 28%| 3| SMS Alert| NIL| 22%| 98%| 4| Substitution of Postal mail | 18%| 38%| 88%| 5| ICT Security measures| 62%| 81%| 94%| 6| Authentication| 33%| 76%| 85%| 7| Automated PaymentSystem| 1%| 28%| 87%| Source: Alawode and Kaka (2008) Internet Access: An important indicator of the general uptake of Information and Communication Technology (ICT) in the Banking Industry relates to the use and availability of Internet. Internet access is a precondition for e-Business, as this is the main channel for e-banking. The general availability of Internet allows for the analysis of overall ICT-readiness in the Banking Industry. The Table shows that 91% of Banks studied in Nigeria have access to the internet within year 2006 and 2008, While 27% and 88% from year 2000 to 2002 and from year 2003 to 2005 respectively. The drastic change that occurred from 27% to 88% from year 2000 to 2002 and from year 2003 to 2005 respectively was as the result of ICT awareness competitive products introduced by some the so called â€Å"new generation banks†. Virtually all other banks also braced up to satisfy their customers and there was general improvement in the services and products of Banking Industry. Use of Internal Network: The application of networks is a vital part of an effective ICT-enabled system, which is especially true in the case of banks with a branch network. Local Area Network (LAN) may also be seen as a basic indicator of the minimum infrastructure required to enable companies to conduct e-banking at a substantial level. Wire-based LAN is currently the dominating technology. The survey shows that 92% banks surveyed use wire-based LAN from year 2006 to 2008. The fact that LAN is a relatively low-tech and easily attainable ICT solution, would to some extent explain the wide coverage of this technology from year 2000 to 2008. Wireless LAN is a relatively new technology in the Banking Industry, and is used to permit bank employees to access network resources from nearly any convenient location. The fact that, wireless LAN is relatively new technology accounts for its low percentage uptake in Banking Industry. Use of SMS alert: Instant notification of transactions made was another innovation brought by ICT through the use of smart phone in conjunction with the internet facility in the Banking Industry. Virtually all banks studied in Nigeria use SMS-Alert, except some of the Micro-finance Banks. It was an ICT infrastructure that recorded no patronage between year 2000 and 2002. Substitution of postal mail: The Banking Industry is currently being renewed in many areas. One of these areas relate to the digitalization of formerly paper-based processes. Electronic mail is increasingly being applied for especially non-legal correspondence like account statements, marketing and sales. More than 80% banks surveyed have substituted electronic mail with old postal mail within year 2006 to 2008. This outcome shows that, efficiency gains from electronic mail are yet to be reaped and indicates that the Industry is a bit fragmented in its uptake of electronic mail as means of communication. ICT security measures: The security issue is of special concern in the Banking Industry, as banking is highly based on trust from its customers. Hence, the risk of hackers, denial of service attacks, technological failures, breach of privacy of customer information, and opportunities for fraud created by the anonymity of the parties to electronic transactions all have to be managed. Depending upon its nature and scope, a breach in security can seriously damage public confidence in the stability of a financial institution or of a nation’s entire banking system. Hence, by introducing the appropriate security measures and putting security concerns at ease, the BI might be able to attract the segments among consumers who previously were not inclined to use e-banking. Furthermore, it is also in the banks’ own interest to improve security, as digital fraud can be costly both in financial losses, and in terms of the damage it does to the brand of the bank in question. Authentication: The common concern among users of e-banking is related to the authentication of users and data connections. The use of digital signatures is not as common as PIN codes or encryption, and reason is the fact that digital signature is relatively new technology. The research even shows that none of the studied banks uses digital signature as the form of authentication, but the up-take in other types of authentication is generally high, up to 85% within the year 2006 and year 2008. Automated Payment System: Devices used in Automated Payment Systems include Automatic Teller Machine (ATM) and Electronic Funds Transfer. ATM still ranked higher in its spread than Electronic Funds Transfer, Low rate of spread of this technology might be due to cost, fear of fraudulent practices and lack of facilities necessary for their operation. But generally speaking, the adoption of Automated Payment System increased dramatically. The table shows the increase from 28% to 87% within the range of 3-years. BENEFITS OF ICT ADOPTION ON BANKING INDUSTRY Many researchers have agreed on some benefits that accrue to ICT adoption and use in the banking industry. These include among others: Enhanced operational efficiency. The use of ICT in the banking industry enhances the operational efficiency of the banks (Madueme, 2009). For example, the use of SMS alert, an ICT infrastructure that recorded no patronage among Nigerian banks between year 2000 and 2002, has presently aided instant notification of transactions. Improved quality of service delivery. Many researchers (Ikechukwu, 2000; Madueme, 2009; Fenuga & Oladejo, 2010) confirm that the application of ICT to banking operations has undoubtedly enhances the quality of customer service delivery in the banks. The uses of ICT-based payment systems such as Automatic Teller Machine (ATM) and Electronic Funds Transfer have actually improved the service delivery of Nigerian banks to its customers. For example, a money transfer transaction that used to take me days to transact has been reduced to a matter of few minutes. For a case in point, last week, I sent money to my brother through UBA bank and before I got to the gate after the transaction, I got a call from him confirming that his account was credited through a message alert. Increase in customer satisfaction. This benefit derives from the one above. According to Fenuga and Oladejo (2010), the adoption and use of ICT in the banking industry has increased customers’ satisfaction due to improved quality of banking services. Referring to the above case of personal experience, it is unequivocal that customer satisfaction has markedly increased as a result of adoption and application of ICT in Nigerian banks. Improved profit performance. Another important benefit of the adoption and use of ICT in the banking industry has to do with improved profit margin. Many studies (Baba & Harker, 1997; Ikechukwu. 2000; Madueme, 2009; and Oladejo & Adereti, 2010) have shown significant and positive correlation between ICT adoption and profitability of organisations. Increase in market shares. When ICT is successfully adopted and applied to banking operations, the overall performance of the banks is improved and this manifest in the corresponding increase in market shares, profitability and other indicators of performance (Oladejo & Adereti, 2010). Enhanced competitive advantage. Researches by Ikechukwu (2000) and Oladejo and Adereti, 2010 have lent credence to the fact that application of ICT to the operations of the banks has boosted their operational efficiency and brought about greater competitive advantage in the industry. EFFECTS OF ICT ON BANKING INDUSTRY Agboola (2001) studied the impact of computer automation on the banking services in Lagos and discovered that Electronic Banking has tremendously improved the services of some banks to their customers in Lagos. The study was however restricted to the commercial nerve centre of Nigeria and concentrated on only six banks. He made a comparative analysis between the old and new generation banks and discovered variation in the rate of adoption of the automated devices. Aragba-Akpore (1998) wrote on the application of information technology in Nigerian banks and pointed out that ICT is becoming the backbone of banks’ services regeneration in Nigeria. He cited the Diamond Integrated Banking Services (DIBS) of Diamond Bank Limited and Electronic Smart Card Account (ESCA) of All States Bank Limited as efforts geared towards creating sophistication in the banking sector. Ovia (2000) discovered that banking in Nigeria has increasingly depended on the deployment of Information Communication Technology and that the ICT budget for banking is by far larger than that of any other industry in Nigeria. He contended that On-line system has facilitated Internet banking in Nigeria as evidenced in some of them launching websites. He found also that banks now offer customers the flexibility of operating an account in any branch irrespective of which branch the account is domiciled. Cashless transactions were made possible in our society of today. The mover of the economy (Banking Industry) is now well positioned to meet-up with the new challenges from the costumers, competitors and even from the nation’s economy with right tool in their hand to reach limitless point of success. The Industry is now growing on daily basis with respect to new innovations that are coming out in the world of technology. Evaluation The banking business in Nigeria today can be assessed as being highly ICT based. The analysis of Alawode and Kaka (2008) ICT infrastructures used in some selected banks between year 2000 to year 2008 as earlier presented in table 2.1 clearly indicate the steady growth of ICT application in Nigerian Banks. Internet access usage, for example, rose from 27% between years 2000-2002 to 91% between years 2006-2008. SMS Alert that was nonexistent between the periods of 2000-2002 rose from nowhere to 98% between years 2006-2008. Similarly, Automated Payment System that was barely 1% between years 2000-2002 rose dramatically to 28% in years 2003-2005 and sky rocketed to 87% between years 2006-2008. The research, which provided the above analysis, is over 5 years old now. Considering the rate of growth reported in the analysis, it is obvious that most of the infrastructures may have reached their full potential. Drawing from above background, one could reasonably accept Akinuli’s (1999) viewpoint when he observed then that it appears Nigerian banks were reaping most of the benefits of revolution in technology, as can be seen by its application to almost all areas of its activities. Adeoti (2005), Ovia (2005) and Osabuohein (2008) in separate remarks affirmed the fact that the technological innovation witnessed in Nigerian banking sector is possible of impacting on the bank’s mode of operations especially in their payment systems. It is indeed unequivocal to state that ICT adoption in Nigerian banks has broadened the scope of banking practices and changed the nature of banking as well as the competitive environment in which they operate. Such new practices have led to the development of a truly global, seamless and Internet enabled 24-hour business of banking. In summary, the adoption of ICT in Nigerian banks can be said to be a success though not without some challenges. Challenges The automation of banking operations is really posing challenges to the Consumers, the banks themselves and Regulatory/Supervisory authorities in Nigeria. Among the issues concerned are: Infrastructural deficiencies: It is obvious that the use of ICT in the banking industry require minimum level or basic infrastructure such as electricity, telecommunication and motorable roads. Yet all these remain great challenges even as they feature as manifestos in all political campaigns. Ineffectiveness of telecommunication service providers and epileptic supply of electricity have often times cost people to spend days suffering to recover trapped cards in ATMs. For example, there was a day my friend’s card got trapped for only God knows the reason, but on a Saturday when the banks staff could not be accessed to recover neither the card nor alternatively withdraws money at UBA Aliade road branch. He had to wait until Monday morning to recover his card. Whatever his purpose for wanting to access money must have been defeated. Consumer Awareness and capacity: A major challenge of ICT banking to many illiterate and semi-literate population of the country who reside in rural areas is lack of awareness of how the systems work and their inability to access the services which mostly exist in cities and high populated work areas or institutions. Access to ATM and GSM Telephones: There are inadequate banking facilities to cover for the growing population of Nigerians who can access the services. Many households are unable to afford terminals and all accessories required for operating in today’s banking system. The recent Federal government’s 60 billion naira telephone project for 10 million farmers (Olatunji, 2013) is one exemplification that majority of Nigerians are too poor to afford a telephone, a necessary accessory for accessing ICT banking services. Consumer Protection: Another major challenge of adoption of ICT is the absence of statutory or regulatory provisions to protect the consumer of the products/services. Fraud: So much fraud has been reported within and outside banks due to ICT adoption. The high exposure of the system to fraudsters, hackers and other criminally minded persons who could access, retrieve and utilize confidential information from the system if security measures are weak; to checkmate unauthorized intrusion is another challenge to the authorities. Systems Operational Risks: Bank IT rests on computers and telecommunications which could be susceptible to system failure, internal manipulations and inconsistent regulatory policies (Etim, 2000). Conclusion Concerns about ICT role in attaining effectiveness, efficiency and productivity were raised in the late 1980s. Since then a large number of studies have emerged both at the industry and firm level that have substantially improved our understanding of the relationship between ICT and firm performance. This paper has clearly defined what ICT is and presented a review of relevant literature to aid understanding of the historical antecedents or reforms that necessitated its adoption in Nigerian banks by assessing the benefits and effects, and the journey so far. The paper further evaluated the success of ICT adoption as well as addresses the challenges it has posed to banks, consumers of services and supervising authorities. The paper concludes that the adoption of ICT has influenced the content and quality of banking operations positively. From all indications, ICT presents great potential for business process reengineering of Nigerian Banks. It is imperative for bank management to intensify investment in ICT products to facilitate speed, convenience, and accurate services, or otherwise lose out to their competitors. Recommendation This paper recommends that investment in information and communication technology should form an important component in the overall strategy of banking operators to ensure effective performance. References Adam, J.A. (2005). Banking Sector Reforms: The Policy Challenges of Banks Consolidation in Nigeria. Selected Papers for 46th Annual Conference, Nigerian Economic Society, August 23-25. Adeoti, J.O (2005). Information Technology Investment in Nigerian Manufacturing Industry: The Progress So Far. Selected Papers for the 2004 Annual Conference, Ibadan: Nigerian Economic Society, 213-244. Adeyemi, K.S (2006). Banking Sector Consolidation in Nigeria: Issues and Challenges. Union Digest, 9(3&4) June (http://www.unionbankng.com/adeyemi.pdf). Agboola, A. A. (2006). Electronic payment systems and Tele-banking services in Nigeria. Journal of Internet Banking and Commerce, 11(3), 112-124. Agboola, A. A. (2001). Impact of Electronic Banking on Customer Services in Lagos, Nigeria. Journal of Economics and Financ, 5(1&2), 45-73. Akinuli, O.M. (1999). Information Technology in Nigeria’s Banking Industry: Operational Applications, Problems and Future Challenges. CBN Bullion, 23(3), 71-75. Alawode, A. J. and Kaka, E. U. (2008). Information and Communication Technology (ICT) and Banking Industry. Proceedings of the 1st International Technology, Education and Environment Conference, African Society for Scientific Research (ASSR) 673-677. Aragba-Akpore, S. (1998). The Backbone of Banks’ Service Regeneration. Moneywatch, July 22, p23. Baba, P. and Harker, P. (1997). Examining the Contributions of Information Technology towards Productivity in United States Retail Banks. Pennsylvania: Wharton School. Balancing Act, (2007). Balancing Act News Update (http://www.balancingact- africa.com/country_profile.php?id=24). CBN, (2006). Press Release. The Guardian, Vol.22 (9902), January 3, p.11. Diamond Bank, (2005). Banking Industry Report, Strategic Planning Unit, December (http://www.diamondbank.com/public/Banking%20Industry%20Report%20December%202005.pdf). Etim, S. O. (2000). Electronic Banking: The Risks in the Insurance. A Paper Presented at Centre for Insurance Research Luncheon, Lagos, May 23. Fenuga, O. J. and Oladejo, R. K. (2010). The Effect of Electronic Payment on Customer Service Delivery in Nigerian Banks. International Journal of Economic Development Research and Investment, 1(1), 5-16. Frenzel, C.W. (1996). Information Technology Management, Cambridge: Thomson Publishing Company. Harold, B. and Jeff, L. (1995). Don’t Let Technology Pass You By. ABA Banking Journal, 73-81. Iganiga, B.O (1998). Contemporary Issues in Money and the Nigerian Financial System, Lagos: Amfitop Books. Ige, C.S (2007). Reforms in Development. The Reformers, 2(1), 4-16. Ikechukwu, G. (2000). Enhancing the Performance of Banking Operations through Appropriate Information Technology in Nigerian Banking Industry. Ibadan: Spectrum Books. Madueme, I. S. (2009). Impact of information technology on the ptofitability of commercial banks in Nigeria. International Journal of Business and Common Market Studies, 6(1&2), 112-121. Ojo, J.A.T. (2007). Financial Sector Maladaptation, Resource Curse and Nigeria’s Development Dilemma. Public Lecture, Covenant University, Ota, Ogun State, January 25. Oladejo, M. O. and Adereti, A. S. (2010). Impact of information technology on the performance of microfinance institutions in Ogun state, Nigeria. International Journal of Economic Development Research and Investment, 1(1), 44-55. Olatunji, S. (2013). FG to give rural farmers N60bn cell phones. Punch, January 3, www.punching.com/business/business economy/fg-to-give rural-farmers-n60bn-cell-phones/ Osabuoheien, E. S. C. 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The Soldier – Rupert Broke

â€Å"The Soldier† is a sonnet-type poem composed by a First World War veteran and also a war poet named Rupert Brooke. This sonnet finds a soldier speculating about his possible death as we goes away to war, which he feels should not be mourned, but understood as part of a selfless tribute to his much-loved England. This poem was written as the First World War broke out in 1914, as part of a series of many sonnets written by Rupert Brooke. Patriotism is a true form of love.It is a form of love which is pure, yet which has the ability to rage fire for the sake of itself. It is the form of love which is unconditional, immense, true and real for one's land, one's true mother. Rupert Brooke has presented his patriotism in a spectacular way in this poem. The poem encompasses the memories of a fallen soldier who declares his patriotism to his homeland by stating that his sacrifice shall be the eternal ownership of England. It also deals with the death and accomplishments of a soldi er.In the opening lines Rupert Brooke has presented his patriotism in such a forceful expression that he considers the sand in which he would be buried, be it a foreign land, will become an English sand, the richness of which will further be increased by the fertility of an English body of a passionately patriotic soul. The idea of an unnamed â€Å"corner of a foreign field† where the soldier will be buried speaks of the unsung and anonymous nature of death in war. Yet the notion that this small space will â€Å"forever† be part of England elevates the sacrifice the soldier makes— as if he has in a small way conquered this land.The soft alliteration here lends these opening lines a subdued tone. He goes on to say that England was his birth place and it shaped what kind of person he became. It influenced his thoughts and beliefs. England taught him about love, loyalty, and honor. His soul will be immortal, because he fought for England. The association and inclin ation of his mind and body towards his country is vigorously explained when he claims to create an English land, of an English body, bore by England, brought up by England and educated and fed by England, in the land he will be buried.The poet also emphasizes on England’s abundance and pastoral beauty as a kind gift. He refers to himself as a child who grew up under the English sunshine; bathe in the English rivers, breathing the fresh air of the English countryside and whose destiny is shaped by the nation itself. His death is justified, because he died for England. His evil deeds don't matter anymore, because he did what was right; he fought for his country. Whatever evil things he had done will be forgiven as he died while defending his motherland.His preceding desire is for all present and future generations to think that his heart is reconciled to the good of his country with no evil intentions hidden, but a lively mind in the afterlife which will project the fondest tho ughts given by England. His death allows him to only remember the good things about England. It also allows for someone else to come and take his place. He is passing on all the dreams and thoughts that England taught him onto the next generation of soldier; so that he can fight with as much heart and honor as he did. The soldier lists all the wonderful experiences that the soldier has gained from England.These pleasant thoughts and memories will be given back to God as the soldier becomes one with Him. The sights and sounds that are experienced by the poet in his younger days and the boyhood dreams that are as clear as the day, the laughter of youth from the circle of friends and that gentleness of heart, whose soul will rest in peace under an English heaven. The poem ends with a startling proposition— the soldier finds rest and peace at last in heaven, but heaven has been transformed by the thoughts and memories that the soldier has given to God.This heaven is now â€Å"an English heaven†: the connection with England will remain forever unbroken. The sonnet’s turn from an idyllic or idealized vision of England to the idea of a transcendent and literally heavenly England is complete. These final lines are showing the happiness that England has given him. And because he fought for England he will forever be at peace in an English heaven with only good thoughts and laughter in his heart. The plot of this poem reinforces its meaning because it deals with death and love.These are two powerful things that evoke feeling in people. It helps to create an image in the poem of a man who is very brave and would do anything for his country. The meaning in the poem is straightforward. The author dedicates the poem to death and love. QESTION Q. Describe the way Rupert Brooke feels about England. What does he mean by â€Å"a richer dust†? Answer: â€Å"The Soldier† is a sonnet-type poem composed by a First World War veteran and also a war poet named Rupert Brooke.This sonnet finds a soldier speculating about his possible death as we goes away to war, which he feels should not be mourned, but understood as part of a selfless tribute to his much-loved England. This poem was written as the First World War broke out in 1914, as part of a series of many sonnets written by Rupert Brooke. Patriotism is a true form of love. It is a form of love which is pure, yet which has the ability to rage fire for the sake of itself. It is the form of love which is unconditional, immense, true and real for one's land, one's true mother.Rupert Brooke has presented his patriotism in a spectacular way in this poem. The poem encompasses the memories of a fallen soldier who declares his patriotism to his homeland by stating that his sacrifice shall be the eternal ownership of England. Rupert Brooke has presented his patriotism in such a forceful expression that he considers the sand in which he would be buried, be it a foreign land, will beco me an English sand, the richness of which will further be increased by the fertility of an English body of a passionately patriotic soul.The idea of an unnamed â€Å"corner of a foreign field† where the soldier will be buried speaks of the unsung and anonymous nature of death in war. Yet the notion that this small space will â€Å"forever† be part of England elevates the sacrifice the soldier makes— as if he has in a small way conquered this land. He goes on to say that England was his birth place and it shaped what kind of person he became. It influenced his thoughts and beliefs. England taught him about love, loyalty, and honor. His soul will be immortal, because he fought for England.The association and inclination of his mind and body towards his country is vigorously explained when he claims to create an English land, of an English body, bore by England, brought up by England and educated and fed by England, in the land he will be buried. The poet also emph asizes on England’s abundance and pastoral beauty as a kind gift. He refers to himself as a child who grew up under the English sunshine; bathe in the English rivers, breathing the fresh air of the English countryside and whose destiny is shaped by the nation itself. His death is justified, because he died for England.His evil deeds don't matter anymore, because he did what was right; he fought for his country. Whatever evil things he had done will be forgiven as he died while defending his motherland. His preceding desire is for all present and future generations to think that his heart is reconciled to the good of his country with no evil intentions hidden, but a lively mind in the afterlife which will project the fondest thoughts given by England. He is passing on all the dreams and thoughts that England taught him onto the next generation of soldier; so that he can fight with as much heart and honor as he did.The sights and sounds that are experienced by the poet in his y ounger days and the boyhood dreams that are as clear as the day, the laughter of youth from the circle of friends and that gentleness of heart, whose soul will rest in peace under an English heaven. The soldier finds rest and peace at last in heaven, but heaven has been transformed by the thoughts and memories that the soldier has given to God. This heaven is now â€Å"an English heaven†: the connection with England will remain forever unbroken. The sonnet’s turn from an idyllic or idealized vision of England to the idea of a transcendent and literally heavenly England is complete.These final lines are showing the happiness that England has given him. As he fought for England he will forever be at peace in an English heaven with only good thoughts and laughter in his heart. The poet indicates himself by the word â€Å"a richer dust†. He says that the richness of the foreign land where he will die will be enriched by the fertility of an English body of a passiona tely patriotic soul. This poem deals with the death and accomplishments of a soldier. The author dedicates the poem to death and love.

Communication Bachelor Essay Example | Topics and Well Written Essays - 1750 words

Communication Bachelor - Essay Example The whole societal forces have seen a shift as a result of development in the area of communications. Different theories have also been put forward with respect to communications and as the time passed by theories evolved to cover new aspects and in recent times they now expand to media and its role in the whole process of communication. Different theoretical models were put forward and the earliest model was a simple sender-channel-message-receiver model also known as transmission model. Most communication textbooks, including public speaking, begin with the transmission model of communication. Even today, it remains a valuable introductory model. This particular model was a straight chain and was not in the form of loop. So later, modifications added the concept of feedback, leading to a loop. Further developments in the theoretical models added dimensions to the role of receivers adding that receivers normally selectively perceive, interpret and retain messages. Shannon and Weaver put forward their theories in 1949 and their model was considered very important in further developments. Again in their model communication was considered as a linear, one-way process but they also made a difference between source and transmitter, and receiver and destination. So instead of single function they noted that there are two functions at the transmitting end and two at the receiving end. Criticism hurled at the model presented by Shannon and Weaver was the ignorance of the fact that communication process is often endless while they suggested a definite start and finish to the communication process. Decade of 50s brought in its wake further advancements for model-building, as fields of sociology and psychology developed. USA was the first country where the science of communication developed. Gerbner was among few who recognized the transactional nature of much communication that is the "intersubjectivity of communication". Additions to the earlier single chain or transactional communication model changed and experts started considering communication a matter of negotiation and cannot be predicted in advance. Later on developments of mass media, press, films and radio and political changes further accelerated mass communication research. Hence the focus shifted from communication to mass communication. As mass communication became important, different new models began to refer specifically to mass communication. Westley and Maclean were among earlier experts who put forward their views emphasizing the significance of audience demand rather than just the communicator's purpose. The decades of 1960s and 1970s saw the concentration moving away from the effects of the mass media on opinions, behavior and attitudes, and began to converge on the long-term and socializing impact of the mass media. Some were of the opinion that the audiences in this whole media game are active that is they can adopt or reject the guidelines offered by the mass media. However, another group considered audiences the victims of the media resulting in a suspicion of the mass media that continued through the 1970s and 1980s, particularly in relation to news selection and presentation. With further changes in the communication arena the boundaries separating mass communication

Principles of second language learning Essay Example | Topics and Well Written Essays - 750 words - 1

Principles of second language learning - Essay Example A second language will always help you when you are traveling as you will not have problems in finding places and communication with people. It can help in a job as a person can communicate with another person who does not know the language you speak. Methods used for removing the wrong perceptions from the mind of students and then giving them a thorough understanding of the actual thing, so that they can have a better understanding of the concepts. Methods used for memorizing information and then retrieving it when needed, by breaking down words. For example breaking down the word ‘together’ into three parts ‘to’ ‘get’ ‘her’ to ease the learning process. Making a person think or showing him the meaning of different gestures to overcome his deficiencies in a language. Explaining the person what different gestures mean for different cultures and nations. I would implement this strategy, as leaning through this strategy is much easier and the students would have a better understanding of the words of the second language they are learning. For example when a word is broken down into smaller words it is easier to remember it. Another benefit is that the breaking down of the word helps the student learn the broken down words also as they usually do have a meaning. This learning style is simple and easy for a teacher to teach as well. A very important and good way to make people remember things is by showing them pictures, and this is a part of this learning strategy. This is the major reason of selecting this learning strategy as pictures are easier to memorize as compared to written material. This strategy is also useful to implement as people coming from different culture and norms who speak different language have different perceptions of the second language they are learning. Some times these perceptions are correct but a lot of perceptions are wrong as well.

In what ways is a non state actor different from a nation state Essay

In what ways is a non state actor different from a nation state - Essay Example A nation state is a legal entity that has come into existence through the approval and recognition of the global entities. It enjoys the privileges and other accreditations of the global community. A nation state comes into existence through the fulfillment of number of factors. These factors are essential in terms of becoming an independent state. The first and foremost factor that is essential towards the nation state’s existence is its occupation over a defined territory. This territory must not be in conflict with other nations. The other factor that makes up for a nation state includes a nation’s ability of a state to engage itself in the international intercourse and international relationship building with the other states. The third factor is that of recognition by the global community. Without the recognition, the nation state cannot come into force. Politically, economically, socially complete and self reliant entities can make up for a nation state. This has been formally defined for the first time after the First World War when League of Nations gave shape to the concept of nations, legal entities and illegal entities. A nation that has no major conflict over the land or resources can earn nationhood through the consent and approval of the United Nations.Java earned its independence from Indonesia through the approval of United Nations. The Nongovernmental organizations and entities are also termed as the non state actors, however their domain of work, their existential concept and working nature is different.

Industries and technology both have hurt and helped our enviornment Essay

Industries and technology both have hurt and helped our enviornment - Essay Example The first wave took place in the late 1700’s, bringing industrial improvements to textiles, iron, water and power systems and mechanization. The second wave brought about steam power, trains and steel production. Next, in the 1900’s, came electricity, chemicals and cars. By the middle of the 20th century, the emerging innovations were petroleum, the space race and electronics. In the most recent years, known as the digital age, society has witnessed the development of computers and other electronic devices. All these innovations have contributed to the development of society. However, the creators of these products did not initially think about the amount of waste that would be generated through the manufacturing of these products and what would happen to these products once they became obsolete. Increasing awareness of the effects of manufacturing on the environment has lead to the development of waste management processes and green engineering. It is not only the issue of emissions, but also the disposal of obsolete vehicles that we have to worry about. These emission and hazard waste disposal issues are common concerns for all manufacturing facilities. An example of this is the plants in the state of New Jersey that refine oil. They produce products that are very much needed in modern society. However, they also produce waste that is difficult to dispose of and can be damaging to our environment. To preserve our environment requires our manufacturers take steps to implement green engineering principles into their processes and abide by the rules and regulations put forth by the EPA and other agencies. On the other hand, consumers must also learn to conserve and use products less wastefully. New technologies and industries are created to meet the demands of people and to continuously try to lower the cost of products. Such innovations sometimes have undesirable effects on our global environment. For example, chlorinated fluorocarbons (CFCs) were

Land law Essay Example | Topics and Well Written Essays - 3000 words - 1

Land law - Essay Example contract for the sale of freehold land, there is a presumption that the contract will automatically include everything which legally constitutes â€Å"land†2. Accordingly, whether or not Ming was entitled to remove the sign depends on whether the sign can validly constitute land or whether it constituted a chattel, which doesn’t fall within the scope of â€Å"land†3. The classic definition of a fixture is anything which is physically (but not necessarily legally) removable and makes a permanent improvement to the land4. Conversely, a chattel is an item brought onto the land, which doesn’t become part of the land5. The general rule regarding fixtures is that whatever is attached to the soil becomes part of the soil6. In determining whether the sign is fixture or a chattel, it will be necessary to apply the two factual tests as extrapolated by Blackburn J in the case of Holland v Hodgson7, namely the degree of annexation test and the purpose of annexation test. The degree of annexation test requires that the object be fastened to or connected with the land in some way for there to be a presumption that it is a fixture8. For example, in the case of Hamp v Bygrave9 it was held that patio lights that were attached to the wall of the house were fixtures. Moreover, if an object is not fixed, but merely rests on its own weight, there will be a presumption that it is a chattel10. If we apply this by analogy to the current scenario, the sign had hung from a post, which if resting on its own weight will lead to a presumption of it being a chattel. However, the presumption can be rebutted on the basis of the purpose of the annexation test. In the case of Elitestone Limited v Morris11 Lord Clyde asserted that this test involved a consideration of â€Å"the purpose which the object is serving and not the purpose of the person who put it there12†. As such, the test is objective and is concerned with the intention of the person who put the object on the land. It further

The Evolution of Today's Modern Airport Research Paper

The Evolution of Today's Modern Airport - Research Paper Example The parameters that will be used in the assessment include the total number of operating airports at today’s date, the role of technology in the operating systems and how accidents play a role in limiting the efficiency of airport authorities or the concerned people involved in the operation of running airlines. The project will include charts and tables to demonstrate the evolution of airports. The project will also take into account how airports might evolve in the future times as well as decrease the level of risks associated with air travel. The two persons who earn all credits in developing the first airplane are Wright Brothers. From the first success the brothers focused to develop a method of pilot control. They emphasized that this would act as the key in order to solve the problems relating to flying. They started to experiment on developing powerful engines. With the help of the wind tunnel they developed designs on wings and propellers that were much more efficient than before. The pavement of runways is prepared in such a way so that can maintain maximum friction for the wheels. The surface of the pavements arte usually grooved so that the water flows into the grooves but the peaks between the grooves will still touch the tires of the airplanes. The regulation of air traffic so as to avoid exceeding traffic and maximum utilization of the available space is regarded as Air Traffic flow Management. The project will demonstrate critical thinking by describing how airport evolution could theoretically unfold in the future. One of the constraints that the runway faces is that only one airplane can utilize the space at the same time. Therefore it is of utmost necessity to utilize the runway effectively so as to ensure that optimal utilization of service is provided to the travelers. The effective operation of the Air Flow Traffic management will avoid collisions and can safely handle maximum airplanes at a certain

The Death of Ivan Ilych Essay Example for Free

The Death of Ivan Ilych Essay During Ilych’s appointment with the first doctor he consulted about his condition, he noticed that the doctor was a man who considered himself an expert in his turf and who looked down on everybody else as people who knew a lot less and whose lives would be affected by his own choice of moves, acts or decisions. In the role of the patient whose ailment was yet to be specifically identified, Ilych noticed that the doctor he visited – and those he subsequently went to, as well – personified the public official that he was. Having been serving as the examining magistrate of the town, Ilych was undoubtedly powerful and influential. He could summon any man, whatever his station was – rich or poor, educated or ignorant, successful or otherwise – to the court, and he could do with them whatever he wanted to do by the decisions that only he could make. He reveled in the control he wielded; he figured out complicated cases and readily saw them as simple knots, and he concluded countless of cases without emotion and using only objectivity, logic and his authority. The outcome of some cases destroyed lives, turned victims’ worlds upside down, ended professional careers, broke families, shut down businesses and shattered dreams of many people. Through it all, Ilych was the detached magistrate who could not care less what happened to any of the many participants in the cases he officiated. He was puffed up, callous and undeniably proud. The same arrogance could be found in most other characters in the story; Ilych’s colleagues saw nothing in his death but a definite signal of changes in the make-up of their elite circle. They were more concerned with what Ilych’s demise would mean to their respective posts. The same selfishness was demonstrated mostly by everyone. Even Ilych’s wife could not disguise her greed for what she would be entitled to as a widow. On the whole, the story is a sad depiction of how meaningless life can be when lived for the wrong reasons, purposes and goals. The happy bit of a part is brought about by knowing that before he finally drew his last breath, Ilych shook himself free of such wrong values and beliefs – he found out that love and concern for others are the things that genuinely lead a person to find happiness. Works Cited Tolstoy, Leo. The Death of Ivan Ilych. Kila, Montana: Kessinger Publishing, 2004.

Human Movement Essay Example for Free

Human Movement Essay Kinesiology, plainly put is the study of human movement and all aspects to it. It is the science of human movement. It is comprehensive in its outlook in that it looks at being part of the physical activity (the experience), class room study of the theories and concepts that make an activity qualify as physical (scholarly) and the professional practice connected with physical practice (Hoffman, 2009). It looks at the muscles-their make up and how they contribute to human movement, the skeleton-make up and contribution to human movement, and the brain in the same context as the previous two. It makes a practitioner of Kinesiology understand human movement from all angles – the why, what, when and which. Method: Since this study entails all aspects of the human movement, so to does its learning. The use of a high school football team was to allow sight of human movement in real time from a passive position. It brought in play the subjectivity of the human mind in the observational data collection aspect of the research. By its very nature football is a contact sport. It thus presented the research with the best tool to observe the different components that constitute human movement. The preconceived notions of the human mind would be make for interesting reading when tested against the scientific results. Since not all the three different components could be scientifically measured at the same time, the research was focused on the head. This is from the realization that head impacts result in concussions. This is an injury that has the very real possibility of ending ones career but also could end up in death. To best investigate the impact to head injuries, the research used the Head Impact Telemetry System (HITS). This is a wireless monitoring system capable to rapidly identify athletes who have sustained an impact to the helmet that has the potential of being injurious. It is made to produce real-time post impact data and transmit the results to a computer not more than 150 yd (137m) from the helmet via radio waves. When out of range, an onboard storage unit would record up to 100 hits and transmit when back on range. HITS allows for objectivity in the research. For Kinesiology, to qualify as a science, measurement must be precise and consistent. Head impact data was captured when a single accelerometer exceeded the preset 15g threshold. Data from 8 milliseconds pre to 32 milliseconds post impact was transmitted and stored. The dependent variables set were linear acceleration, rotational acceleration, jerk force, impulse and duration of impact. Results: From the data collected in the course of the season (68 sessions-55 practice days, 13 games), it became clear that, there were more impacts during games than during practice. The greatest number of knocks was experienced by defensive line players, offensive linemen, offensive skill players and defensive skill players in descending order. In ascending order, the location of helmet with most frequently hits was the top, side, back and front. Game situations resulted in higher linear acceleration than practice impacts. Top of the helmet hits had the greatest linear acceleration followed by front, back and side. Again, game time impacts caused more rotational acceleration than practice. The line players experienced harder hits than skill players in this category. It was also clear that most forceful hits were as a result of front then back then side and lowest top hit. Looking at head jerk, impact force, impact pulse and duration of the impact, the figures were higher during game times than practice. The offensive line and defensive skill players had an equal occurrence of head jerk but higher than the others. The line players had longer duration of impact, more impact impulse and force of impact than the skill players. Maximum head jerk and impact force was experienced as result of hits at the top followed by the front, back and side. For the duration of impact, the order was the same but in reverse role. Also noted, the harder a player was hit the higher the linear acceleration, maximum jerk, force and impulse. The same was true for a soft hit. Conclusion: From the research, this paper has been able to come to some conclusions as a result of the available data. Some of the conclusions justified the subjective view in the researcher at the beginning of the undertaking while some have resulted in the researchers’ change of perception. It was clear from the data that there were higher linear acceleration collisions in high schools than from statistics available about research done on colleges. This could be as a result of the kids wanting to impress. They clearly may not have and full knowledge of the consequences of their actions. In high schools the chance of a college scholarship, means one could have a greater chance of success in life as a result of the extra academic qualifications one acquired. The higher linear acceleration collisions have a higher concussive chance. This makes the high school football player more at risk as very few have compressive medical covers that would give them the kind of specialized treatment necessary should the worst happen. Schools by the nature of their medical cover can not to provide this. In high school, there were more top helmet impacts than in college. It meant a higher linear acceleration and also impact force magnitude. This was a very dangerous location. It exposed the boys to a higher risk of concussion and severe cervical injury. This could easily mean career ending injury, paralysis or even death. There was need for more effort to be put into coaching. They could help teach the boys proper tackling techniques and make them understand the advantage of keeping the head high and thus avoiding helmet contact. It could be that since the college players are more mature, they do not let blood to run into their heads. They are committed in their tackles and at the same time aware of what the consequences of their actions are if not watched properly. Since the boys in high school were still maturing, they were generally smaller in mass and height as compared to their college equivalent. The more reason why they needed to be taught well. In high school, the most dangerous positions were the Quarterback, running backs and wide receiver in decreasing severity. They had the highest linear acceleration impacts. These could be as a result of them been always in full flight (speed) and in open field. These is unlike their counterparts the offensive line and defensive skill players. These may have the highest number of hits on them but the impact is low. The reason could be because they were always near each other and they do not achieve full acceleration before getting hit. The guys who get hit all the time were line men. These guys were involved in every play in the field. Finally, in high school because of the small pool of players, some ended up playing more than one position. This increased the risk of injury. This research did raise some very pertinent issues. They need to have proper coaching in high schools should go along way in reducing the chances of serious injury in the field. Also, the better knowledge of head injury risks should make for better understanding of how to tackle and care for them should and when they occur. This research has given birth to invaluable knowledge for Kinesiologists.

Marbury vs Madison Case Summary

Marbury vs Madison Case Summary Brandon Huff This case took place on February twenty fourth, 1803. It was the first case in which an act of Congress was declared unconstitutional. That being said it was the first time, and the means by which judicial review was used. As the case name suggests the disagreement was between James Madison and William Marbury. It took place a couple of weeks before president Thomas Jefferson took office in 1801. Because of the Judiciary Act of 1801, and the Organic Act there was a multitude of courtship places open. President John Adams tried to fill as many as he could with Federalist party members as to oppose Jeffersons Democratic-Republican party. He wanted to make it hard for him to pass anything while he was in office. But since William Marbury was one of the last ones to have an appointment, the so called midnight appointments, he did not receive their commission. This happened because Jefferson took office and instructed his secretary of state James Madison to withhold the remaining commissions. When Marbury found out he wrote a writ of mandamus to the Supreme Court. He did this in the hope Madison would act and hand out the rest of the commissions. Marbury and his lawyer, former attorney general Charles Lee, went before the courts and stated that the signing and sealing of the commission completed the transaction and that delivering them was only formal. Even though Jefferson was very upset stating that he could not serve without the document. Despite this plea, however, the court agreed to hear their case Marbury vs Madison in February of 1803. This case was underway, but was quickly resolved. After hearing the case most people from both the Republicans and the Federalists agreed that it was a very insignificant case. By the time the case took place the people were agreeing the Jeffersons decision to reduce the amount of justices of the peace, and the Judiciary Act of 1801 was repealed. Also, Marburys term was already half over with by the time the case made it to the courts. In other words it seemed that there was no way Marbury would win this case. However, Marshall, the chief justice saw the problem facing him and came up with a brilliant solution. The solution he found the named a tour de force, and is still used today. He managed to establish all power to the court s the final arbiter of the Constitution. By doing this, he could effectively chastise the Jefferson administration for not following the law, while also protecting the courts authority on the matter. He reduced the case to three basic problems and questions. First, did Marbury have the right to the commission? Second, if he did, and his right had been violated, did the law provide him with a remedy? Third, if it did, would the proper remedy be a writ of mandamus to the Supreme Court? With these three questions Marshall effectively broke down the case to its simplest form. The result of the first two had the desired effect. He explained that by failing to deliver the commission the Marbury, the secretary failed in his duties and violated the law. Having established that Marbury was entitled to receive the commission he turned to the next question. Marbury had a right to the commission, and therefore by not receiving it was denied right. Because of this violation he could have argued that a writ of mandamus would be the right course of action, since the Judiciary Act of 1789 was still in effect, therefore he declared the the court had no jurisdiction to issue such a thing. He continued that it was inconsistent with Article 3 of the Constitution. With this statement, he surrendered the power derived from the 1798 statute which would have given Jefferson a technical victory in the case. By pointing this out he gained a very important power, judicial review. Through his masterful ideas and use the the Constitution through the law Marshall won the case. Even though Marbury only served half his term it had a much greater impact throughout history. We use judicial review to this day and it has been the cornerstone for a lot of cases since this one. Even though this decision has been very controversial it is a part of our system and we are used to it by now. It also fits well with our system of checks and balances run by the government. Through this very small incident in history it impacted the whole country. This case revolutionized our way of thinking in the courts. The courts have more power in this process and have been able to hear and change the outcome of many cases. This has helped shape our country into hat it is today and although it was been surrounded in controversy it is an undeniable fact of our life.

Just Do It For Me: The Roles and Responsibilities of A Teacher Essay

As new teachers leave the world of the University for the world of teaching, they often do not fully understand what is expected of them. The roles and responsibilities of a teacher can be vague and hard to understand when a new teacher is unwilling to ask questions of a mentor teacher, or the mentor teacher is unwilling to aid the new student. As Cathrine Le Maistre states in her paper, titled â€Å"Mentoring Neophyte Teachers: Lessons Learned from Experience† there is a much higher level of attrition after the first year of teaching than in any other year (2000). She believes that new teachers should be taught how to use their own minds, and not simply be given â€Å"manila folder of notes† (La Maistre, 2000. p. 84) and be expected to follow them. At first she believes that experienced teachers are unwilling to help a new teacher, but later discovers that there is â€Å"lot of sympathy for a newcomer needing help† (La Maistre, 2000.p.85). La Maistre portrays b eginning teachers as overly confident in their own teaching abilities when they first leave their Bachelor or Education program. However the realize later that they are not yet ready, and still have a lot of learning to do before they become an experienced teacher. While Le Maistre was on her co-operative teaching program, her mentor teacher had handed her notes that he had used to teach Chemistry for a long time. Le Maistre believes that this does not help her learn to be an independent thinker, or to learn to plan lessons on her own. I believe that her mentor teacher should have made a bigger effort to teach her to be more self-reliant, instead of the large envelope of notes; he could have explained to her the process of making her own notes and given her his notes as an example, ra... ...eachers. If teachers are not responsible for their actions and the way they teach their students, then nobody will be responsible for the fate of the child. Bacon’s writing suggests that he believes that certain roles in the child’s life, are the responsibility of the parent, and other members of the community; without these values, which include personality development and a sense of right and wrong, children would not be fully developed as people, and would have a harder time serving a higher purpose in society (2005) I agree with Bacon in that Alberta’s teaching system is more of a business plan, as it is even entitled â€Å"Three-Year Business Plan† (Bacon, 1995. P. 89) and seems to centre around the idea that children are mass produced objects that teachers are simply supposed to produce for the world, as if a school is little more than a factory for children.

The warmth of human emotion :: essays research papers

The Warmth of Human Emotion Heat and warmth are usually depicted as elements of comfort and security. This warmth is what people crave to achieve this comfort. In Evelyn Lau’s â€Å"Family,† the heat and warmth give deeper meaning in regards to human emotion. The contrasting images of ice and cold as well resemble the abstract human emotion in the short story. The elements are used in such a way as to satisfy the hunger of emotional warmth in regards to the characters Zoe and Douglas. As the story unfolds there is a sense of coldness surrounding the community. The setting stage for the action is in fact a community in a cold winter. Through warmth is how one reaches one’s own comfort level. It is noted to the extent that one must almost search for the warmth inside one’s self to achieve this comfort. In the case of Zoe she achieves warmth though emotional stability. Both Zoe and Douglas do search for this but by intention are both quite different. As the friendly relationship between the two progresses, it soon evolves into a hot and steamy relationship full of adultery and deception. Lam 2 Zoe in the case of the relationship is the one who seems to crave this warmth. It is soon noted that her attraction towards Douglas becomes almost too great for her to control herself. Even though she knows that the man she desires is a well-respected man with a wife and children, she feels compelled to satisfy her own desire, thus deeming herself as being selfish. Yet at this point, as she is acquainted with the wife, Ellen, she still thinks about the warm touch of Douglas’ hand and how she is drawn to his warmth. As Zoe is left alone by herself, thoughts of sexual depictions come into her mind. As cold as she feels she pictures Douglas and his Wife in a cuddling scenario in the master bedroom. At this point she feels somewhat jealous of the fact that Ellen is his wife instead if herself. By occupying her mind with images of Douglas â€Å"wrapp[ing] his arms around his wife, her stomach and, her breasts† (Lau 1153), Zoe feels even more compelled to satisfy her desire f or Douglas. Her craving for Douglas’ emotional warmth becomes too unbearable for her as she watches the dead animals hung up in the organic-foods market. She â€Å"resist[s] the urge to lean forward and stroke her fingertips down the grain of their feathers and fur, towards the belly warm as the belly of a sleeping man† (Lau 1154).

Pepsi Sales Bubble with Limited Edition Soft Drinks

Week 5 Case Assignment MRKT 5000 PepsiCo: â€Å"Pepsi Sales Bubble with Limited-Edition Soft Drinks† Case Summary: Pepsi and their partner, Suntory, are using limited-edition soft drinks to boost market share in the $30 billion Japanese beverage market and keep sales bubbling despite a cola war with Coca-Cola and fierce competition for space on store shelves. No new product is a sure thing, but the Japanese market is particularly challenging.Of the 1,500 beverages launched there every year, only the tiniest percentage survives the introductory period because the Japanese convenient stores are small and they make room for only the products that will sell off the shelves quickly. Another reason is because the Japanese consumers crave novelty limited-editions products that are for specific seasons, regions, or reasons. Given, the competitive environment, the pressure from retailers to make new products perform, the speed with which consumer tastes change, and the cost of launchin g a new soft drink, Pepsi and Suntory are being careful not to overuse their limited-edition strategy.Key Marketing Issues: Line extension – Development of a product that is novelty, but closely related to their existing product line to meet different customer needs, to reach different target markets. Aesthetic modification – Changes to the sensory appeal of a product. Pepsi changed with berry-flavored Pepsi Blue and Ice Cucumber. Product differentiation – Creating and designing products so that customers perceive them as different from competing products.Pepsi differentiated itself by being offering the Ice Cucumber only during the summer and by limiting the Pepsi Blue. Personal Case Analysis: Case Questions: 1. Pepsi and Suntory cap their limited-edition soft drink introductions at four per year. What effect is this cap likely to have on the new product development process? By Pepsi and Suntory offering their limited-edition drink introductions at a cap of fou r per year it will have their consumer’s excited anticipating the next introduction, versus offering them more a year and their consumers getting bored quickly.What we have to remember is that the Japanese market does not respond the same way as the U. S does. The Japanese market, wants novelty and limited-edition and that’s what Pepsi and Suntory is going to give them. When Pepsi and Suntory set out to tap this widespread interest in variety by marketing limited-edition soft drinks, they started with berry-flavored Pepsi Blue. In the United States the Pepsi Blue remained on the market for two years. In Japan, the entire production sold out the same product within a few weeks.It’s a great marketing plan to allow their limited-edition soft drinks stand out and not overuse their limited-edition strategy. 2. How important is product quality when a limited edition soft drink like Ice Cucumber sells out in a matter of weeks? Product quality is important, but not as i mportant as ensuring that the product meet the needs of the consumers. Consumer needs are most important. Consumers spread the news by use of technology and word of mouth, which is significant for any successful marketing strategy.Another thing that’s important is the scarcity and seasonality, as mentioned in the textbook these two added to the appeal of high demand. 3. What criteria would you suggest that Pepsi and Suntory use when screening ideas for new limited-edition soft drinks? The most important criteria I suggest that Pepsi and Suntory use when screening new ideas for new limited-edition soft drinks is making sure they match product offerings to customer’s needs, make sure they have effective and consistent branding, good timing is necessary, effective promotions, and sufficient distribution.I would use the previous technique they used before by taste testing many possibilities, then choosing a flavor, creating samples and waiting for responses by focus groups . This will give consumers something to look forward to every season. Recommendations Works Cited Pride, W. and Ferrell, O. , Marketing, 16th ed. Copyright 2012, Cengage Learning

Long distance trade across Afro-Eurasia

Long distance trade really increased in Afro-Eurasia from 500c. e. to 1500c. e. Some of the reasons for the increase included the introduction of camels, transportation with boats, and transportation on the silk roads. Some of these trade routes were easier to transport stuff more efficiently, but they all were used. Firstly, camels were introduced in about 300c. e.. This was a big upgrade from the donkeys because camels could go up to ten days without drinking water. This made trade easier since camels could make the trek across the Sahara and didn’t need much in return as far as water goes.At one point there were up to 5,000 camels used in the transportation of goods across the Sahara. The camels made it so the Sahara was no longer a barrier for trade from north and south of the Sahara. Transportation over water took a major role in transporting goods. People were no longer just trading valuable goods because it was worth the trip, with boats they could haul a lot of cargo s o they could haul items for the middle and lower class. With boats they could haul enough cargo for mass markets and a bunch of different items such as wood and heavier things that camels or donkeys couldn’t carry.Most of the wood could be taken places by the Sahara where they couldn’t get trees to grow to build houses. Lastly, the silk road was a major part of trading because it wasn’t all about just the goods, they got a lot more other things from the different people trading with them. With the silk roads increasing, it allowed little villages to turn into bigger city/states that were mainly based on trade. They could make a lot of money from taxes by charging people that came on the roads through there city for passing.The silk roads were first mainly based off of silk coming out of China, plus gold and spices getting traded for the silk. Most of the goods being traded were of high value, since it was difficult going so far on foot so it had to be worth it i n the end. These topics are why the trade really increased from 500c. e. to 1500c. e. Some of these reasons were due to transportation with camels, transportation with boats, and transportation on the silk road and how all of these helped spring the trading routes in action. These allowed traders to trade more freely and carry more goods efficiently Long distance trade across Afro-Eurasia Long distance trade really increased in Afro-Eurasia from 500c.e. to 1500c.e. Some of the reasons for the increase included the introduction of camels, transportation with boats, and transportation on the silk roads. Some of these trade routes were easier to transport stuff more efficiently, but they all were used.Firstly, camels were introduced in about 300c.e.. This was a big upgrade from the donkeys because camels could go up to ten days without drinking water. This made trade easier since camels could make the trek across the Sahara and didn’t need much in return as far as water goes. At one point there were up to 5,000 camels used in the transportation of goods across the Sahara. The camels made it so the Sahara was no longer a barrier for trade from north and south of the Sahara.Transportation over water took a major role in transporting goods. People were no longer just trading valuable goods because it was worth the trip, with boats they could haul a lot of cargo so th ey could haul items for the middle and lower class. With boats they could haul enough cargo for mass markets and a bunch of different items such as wood and heavier things that camels or donkeys couldn’t carry. Most of the wood could be taken places by the Sahara where they couldn’t get trees to grow to build houses.Lastly, the silk road was a major part of trading because it wasn’t all about just the goods, they got a lot more other things from the different people trading with them. With the silk roads increasing, it allowed little villages to turn into bigger city/states that were mainly based on trade. They could make a lot of money from taxes by charging people that came on the roads through there city for passing. The silk roads were first mainly based off of silk coming out of China, plus gold and spices getting traded for the silk. Most of the goods being traded were of high value, since it was difficult going so far on foot so it had to be worth it in t he end.These topics are why the trade really increased from 500c.e. to 1500c.e. Some of these reasons were due to transportation with camels, transportation with boats, and transportation on the silk road and how all of these helped spring the trading routes in action. These allowed traders to trade more freely and carry more goods efficiently

Buying of Private Brands and Manufacture of Brands

Johanson and Burt article provides an analysis on recent decades’ trend of private labeled brands in European retail outlets—the trend is also gaining pace in North America.The authors are specifically interested in finding similarities and differences of purchasing processes of private brands verses those owned by independent manufacturers. Private brands are hereby taken to mean good, usually foodstuffs that bear retailers name. Johanson and Burt highlight find that initial introduction of these brands into retailers’ shelves was marked with low quality and low prices.However, continued trade of these products has gradually been companied by improved quality to an extent of private brands becoming part of mainstream retailing business. For instance, private brands constitute of 40-50 percent of merchandise sold in British retail outlets (Johanson & Burt 2000). This is in consideration that competitive pressure in retailing industry has sent participants out loo king for ways to increase profit margins.Private brands have also been mentioned as sources of more variety of merchandise and therefore consumer choice at respective outlets (Bass & Binder 2008). Players in the industry have therefore embarked on competing on the provision of low priced private brands, as well as increasing these brands’ loyalty in their already existing customer base.The purchasing of own private brands comes with greater responsibilities on companies and therefore complicate individual retail outlets’ operations. This is in consideration the on other brands, retailers are used to just ordering merchandise from respective manufacturers, but the new approach require retail management to be involved in every step of product development.For instance, retailers have to bore the responsibility of designing private brands, looking for manufacturers (or processors in the case of foodstuffs) and transporters to individual stores, as well as dealing with non sold items.The authors expressed fear that preoccupation with the above processes could derail retailers from their traditional occupation of buying and selling of merchandise and therefore suffer through decreased profit margins, especially because of the extra costs involved.However, private brands have the advantage of the greater amount of market information held by respective retailers. Indeed, shopping chains are more likely to undertaking deep research on merchandise that would fetch most profit margins as private brands (Mattsson 2008). Secondly, the heavy market powers held by private owners are more likely to attract discounts from manufactures and other businesses involved.Many are the companies that scrabble for contracts for manufacture or processing of private brands. Johanson and Burt (2000) have mentioned that success in private brands depend on three forms of integration within individual retail chains.First is vertical integration, which means coordination between retail chain and individual store outlet—this is important in developing efficient processes of moving private brands to from low demand to high demand territories.Second is the horizontal integration which comes to play when the retail chain has many stores that need to interact with each other. Efficient integration between different stores in the same chain and stakeholders is therefore central to successful private branding in retail stores. Johanson and Burt have did, in their article find integration as what has caused British chains to reap higher revenues through private brands.ReferencesBass, A. & Binder, S., 2008, Retail Space Invaders, Available At:  Ã‚  Ã‚  Ã‚  Ã‚   http://www.brandchannel.com/papers_review.asp?sp_id=775Mattsson, A., 2008, Global Retailers Increase Private Brand Goods, Available At:   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   http://www.intertek- etlsemko.com/portal/page/cust_portal/ITK_PGR/ABOUT_INTERTEK_ETL_PG/  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   OUR _NEWSROOM_PG/UPDATE_NEWSLETTER_PG/Update_2002/SUM02_  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   global_retail_article

Power Politics Essay

â€Å"†¦what is happening to India today is not a problem†¦the issues †¦are not canses. They are huge political and social upheaval that are convulsing the nation. †   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Those are the exact words that Roy (24) had used to describe what is happening to the world that is beyond the realm of common human understanding: globalization led on and operated by â€Å"experts†.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   And just how will a common human understand when every time they try to, at the end of the day, they are relegated to being â€Å"just a citizen† who are, to experts, are â€Å"too emotional† and just lack the ability to eventually understand when explained to (if the experts even try to do the explaining part).   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   It is the phenomenon characterized by experts who have acquired technical knowledge on certain matters take the matter into their own hands—not wanting to be questioned or contradicted and seemingly not encouraged to do their tasks with sympathy. They believe that they have all it takes to do it all, and be all, for all. The usual behavior of an arrogant little child who thinks he knows all he needs to know and thus scoffs at any questioning remarks on how he does his tasks, sneers at any suggestion or idea unlike his own, or flares up at any tap on his shoulder that gently reminds him that he is not of possession of every knowledge yet; a kind of behavior that is often times not tolerated.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   And that is what needed to be done. This arrogance should be broken down. And this could not be accomplished by mere taps on the shoulder anymore. A sterner reminder is needed; a reminder that even the too emotional and comprehension-challenged common citizen still has a say on how he lives his life—or at the very least, has the natural right to be made to understand.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Therefore, the author urges the humanity to speak, and speak loud, now or forever be made to hold their peace. Works Cited Roy, Arundhati. Power Politics (year of publication). 24-33.

Business Process Workflow Management Business Essay

Business Process Workflow Management Business Essay Business process management is important for both existing and new businesses. BPM is also known as Business Process Reengineering. It is a set of inter-related tasks that help companies maximize their present business processes and cope with future operational and organizational changes. An efficient business process saves and makes money for an organization. Workflow, in its very basic sense, is an implementation of the answers to the questions that arise in a business process. Workflow answers the questions, who? What? And When? in a business process. It is the movement of documents or tasks through a work process. Business process workflow management is an essential element in organizing a variety of business tasks and processes so that the business can be benefited as a whole. Workflow management systems range from the basic activities of a business to thousands of complex features. Workflow management helps business managers perform a lot of varying functions depending on the needs of the organization. Different businesses have different workflow management needs to perform varied functions for them. Some businesses need workflow management for organizing data available on the net; some need them for managing various business transactions whereas some need them for organizing and segregating all the documents of an enterprise. Workflow management is helpful to all kinds of business irrespective of their size. It helps them define and spot various processes that will help increase efficiency in the long run. Business process workflow management helps to define, create, execute and manage various processes within the organization itself and enhance business-to-business transactions to maximize productivity. It facilitates changes in the enterprise that are needed for its betterment and maximization of output and profits in the minimum time possible. It also helps an organization in spotting existing inefficiencies by keeping a constant check on their emplo yees’ productivity. BUSINESS PROCESS MANAGEMENT JOURNALS Business process management is implemented to improve the effectiveness and efficiency of an enterprise by automating its business processes. The key factor involved in choosing a BPM solution is to choose one that will fit the organization in all situations, as conditions governing a business tend to change with fluctuations in market conditions. It is not feasible for an organization to change its BPM as and when situations change. Business re-engineering can mean serious trouble especially when applied by people who do not understand it. There are examples of thousands of organizations that were running into losses but subsequently, achieved remarkable profits due to well-managed BPM projects. The key to the success of these companies lay in applying BPM to their key business processes. Business process management journals play a key role in making businessmen aware of the prevailing business conditions and how to ad apt to these changes by applying the right re-engineering and process change projects. BPM journals are the premium channel for beginners, practitioners and researchers to acquire leading edge information related to current developments in BPM concepts, practices, tools and technologies. It is a helping aid for students studying BPM related areas and consultants who assist organizations in managing processes. They also provide useful articles that focus on quality and relevance.

300 W Essay Example | Topics and Well Written Essays - 500 words

300 W - Essay Example The third initiative involves creating proposals for several new courses, including ones on such topics as Hallucinogenic Literature, Women’s Scientific Literature, Space, Film, and Literature. The fourth initiative is the creation of at least one new position in the option. We would like to be able to search for a faculty member who can teach in the areas of women’s, scientific, and nature literature. Finally, we would like to create a scholarship for students to be funded by current full professors in the department. In order to allow the initiatives to run more smoothly, we have assigned certain committee members to the four of them: Initiative 1: Dan Jenkins and Audrey Smith; Initiative 2: Sue Osborne, Kara Jenkins, and Molly Maguire; Initiative 3: Holly Golightly and Jane Eyre; Initiative 5: Dan Jenkins. All members of the committee will work on the fourth initiative. As a head horticulturist, I have been assigned the task of ensuring that all the company managers implement a series of changes intended to improve our company and increase profits. These changes involve two areas: plant breeding and plant