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You could be private, but a certain degree of formality and objectivity is anticipated in an educational essay. We recognize our writers, and consequently, we might by no means threat their reputation by hiring just anyone. All of our writers should first present proof of their skills. When you’re totally happy along with your paper, and it matches all your requirements, we launch your cash to your author, and it’s as easy as that. Interested clients can simply get the necessary info and particulars that they need from our web site. It's time to stop stressing out about your essays. By offering us the entire details of the project, we can immediately assign certainly one of our experts and have the contents delivered on or earlier than the set deadline. The balance between different researchers’ and writers’ analysis of the topic and your own remark will range with the subject and the nature of the query. Generally, it is important to back up the factors you want to make out of your expertise with the findings of other published researchers and writers. Some students' essays amount to catalogues of factual material or summaries of different folks's ideas, attitudes, philosophies or viewpoints. Some students find it best to put in writing a provisional introduction, when beginning to write an essay, and then to rewrite this once they have finished the primary draft of their essay. To write a provisional introduction, ask yourself what the reader needs to know to be able to observe your subsequent discussion. Then you would possibly need to consider working with a gaggle of article writers quite than hiring one if you’re on a price range. They may be useful in bringing the cost down for you. View our weblog and get to know more about us and the type of writing service that we can give to you. You might realize that a author does not provide a good deal of examples, but quite provides a basic concept of what a good essay should be to you. So be sure to read over the pattern and see what you think. A dependable specialist will complete your task before the deadline. However, even an experienced author must be deliberate and thorough to be able to write a nicely-constructed essay. An essay assesses the energy of your important pondering and your capacity to place that considering right into a persuasive written type. Essay Mama guarantees its clients that we will live up to their expectations and criteria. At our firm, we provide good high quality essays at low costs in order to promote extra to our large variety of clients. We may help you with your essays as all stages in your schooling to the best of standards via experts that may know exactly what is being seemed for in your writing. Then add cash to your Edusson steadiness which isn't yet paid to the writer, once that is done, your author will begin drafting your paper. You can communicate with your writer all through the complete course of too. Whether you just need slightly assist or a totally researched and written essay, we are able to provide this service. Think of Edusson as your individual personal tutor, we’re right here to help you along the way in which and help put collectively that essay you typically simply don’t have the time for. Get walked by way of your hardest problems and learn how to solve them from skilled writers. All of the papers you get at Samedayessay.com are meant for research functions solely. They usually are not imagined to be submitted for educational credit. After we have received your order, we are going to match you to a author from our pool who can work greatest in your paper given its topic and the author’s availability. All you need to is await the paper to be submitted to you. Thanks to our safe buyer space, no one will find out you had writing help unless you select to tell them. We won't share your personal details along with your writer or any third events. You can talk with the writer on a no-name foundation. Native speaker Add this desire to your “best available” or “advanced” category to have your assignment accomplished in perfect English with the utilization of skilled educational vocabulary. This option will add 30% to the worth of your assignment.

Pro Essay Writers

Pro Essay Writers Correct paper details are very necessary to get the specified outcome. We ask for project title, doc sort, deadline, academic level, description, citations and attachments which might be required so that you simply get precisely what you need. The finest corporations know the importance of perfection. They provide you with correct data associated to your essay topic. The greatest essay writing firm will at all times proof-learn the essay, and make sure it is error-free. If you end up in this place, do not permit the scenario to drift; try to act swiftly. Discussing your worries along with your tutor and/or friends, or just writing them down, will allow you to clarify why you would possibly feel caught. A few college students can get so anxious about an task that they find themselves unable to write down anything in any respect. Such a mode is ok for personal letters or notes, however not in an essay. You could be private, but a certain degree of formality and objectivity is anticipated in an educational essay. We recognize our writers, and consequently, we might by no means threat their reputation by hiring just anyone. All of our writers should first present proof of their skills. When you’re totally happy along with your paper, and it matches all your requirements, we launch your cash to your author, and it’s as easy as that. Interested clients can simply get the necessary info and particulars that they need from our web site. It's time to stop stressing out about your essays. By offering us the entire details of the project, we can immediately assign certainly one of our experts and have the contents delivered on or earlier than the set deadline. The balance between different researchers’ and writers’ analysis of the topic and your own remark will range with the subject and the nature of the query. Generally, it is important to back up the factors you want to make out of your expertise with the findings of other published researchers and writers. Some students' essays amount to catalogues of factual material or summaries of different folks's ideas, attitudes, philosophies or viewpoints. Some students find it best to put in writing a provisional introduction, when beginning to write an essay, and then to rewrite this once they have finished the primary draft of their essay. To write a provisional introduction, ask yourself what the reader needs to know to be able to observe your subsequent discussion. Then you would possibly need to consider working with a gaggle of article writers quite than hiring one if you’re on a price range. They may be useful in bringing the cost down for you. View our weblog and get to know more about us and the type of writing service that we can give to you. You might realize that a author does not provide a good deal of examples, but quite provides a basic concept of what a good essay should be to you. So be sure to read over the pattern and see what you think. A dependable specialist will complete your task before the deadline. However, even an experienced author must be deliberate and thorough to be able to write a nicely-constructed essay. An essay assesses the energy of your important pondering and your capacity to place that considering right into a persuasive written type. Essay Mama guarantees its clients that we will live up to their expectations and criteria. At our firm, we provide good high quality essays at low costs in order to promote extra to our large variety of clients. We may help you with your essays as all stages in your schooling to the best of standards via experts that may know exactly what is being seemed for in your writing. Then add cash to your Edusson steadiness which isn't yet paid to the writer, once that is done, your author will begin drafting your paper. You can communicate with your writer all through the complete course of too. Whether you just need slightly assist or a totally researched and written essay, we are able to provide this service. Think of Edusson as your individual personal tutor, we’re right here to help you along the way in which and help put collectively that essay you typically simply don’t have the time for. Get walked by way of your hardest problems and learn how to solve them from skilled writers. All of the papers you get at Samedayessay.com are meant for research functions solely. They usually are not imagined to be submitted for educational credit. After we have received your order, we are going to match you to a author from our pool who can work greatest in your paper given its topic and the author’s availability. All you need to is await the paper to be submitted to you. Thanks to our safe buyer space, no one will find out you had writing help unless you select to tell them. We won't share your personal details along with your writer or any third events. You can talk with the writer on a no-name foundation. Native speaker Add this desire to your “best available” or “advanced” category to have your assignment accomplished in perfect English with the utilization of skilled educational vocabulary. This option will add 30% to the worth of your assignment.

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Every every so often, I would write a really good essay, but principally I skated by with B’s and A-minuses. Rest assured that admissions officers do, in reality, read your essays. Also, admissions officers view them as an important part of your application. No matter how certified you're, you can kill your probabilities with a foul essay. On the opposite hand, if you're minimally certified or even when one thing fall bellows the minimal, like your take a look at scores, the essay could be your chance for redemption. The answer to this question will, in fact, differ depending upon whether you're employed for your self or a company. If you're employed for your self, you should think about charging anyplace from $15.00 per web page to $forty.00 per web page, relying upon a wide range of components discussed under. Over time, as you achieve more experience in the enterprise, you will be able better price projects so that you receive a good wage. You’ll be surprised how much this will improve your writing abilities (and how many people will think you’re a extremely sage particular person, when all you’re principally doing is spying on them). Everyone will attempt to talk you out of selecting a job with so little safety, so it's better just to keep it to your self, and prove all of them wrong later. Some authors make a top level view plotting out what is going to occur in each chapter, before they sit down to write down the e-book. It lets you practise and develop transferable skills which might be priceless to you not only while you’re a pupil but also if you graduate and have to put in writing in an expert function. There are instances when it helps to know how many words per web page you're writing. While a basic guideline is one web page is 500 words or 250 words , this can be a ballpark figure. It covers the title web page, basic essay construction, essay outline, your conclusions, citations, and so on. Here is a list of 35 most interesting persuasive essay topics and ideas. Feel free to use them whereas writing your personal essay. By utilizing these three options to extra precisely outline your writing, the phrases per web page calculator should present a greater estimate on what number of phrases you should write to fill a web page. In the wrong way, it may give a extra accurate estimate of what number of pages you could have created should you only know the word rely. The truth is the variety of words per page is determined by a variety of components such as the kind of font, the font dimension, spacing parts, margin spacing, and paragraph length to call a couple of. In order to put in writing plausible dialogue, you need to listen to the conversations of the people round youâ€"then try to imitate them! So my recommendation is always to attempt to preserving quiet, pay attention only, and let other folks to do the talking for a change. That implies that one of the best essays are about surprise, “You probably think it’s one way, but in reality, you need to consider it this other means.” See tip #3 for extra on this. Every story is about battle and alter, and the truth is that essays are about conflict and change, too! The distinction is that in an essay, the battle is between different ideas, the change is in the way in which we should understand these concepts. You can learn my ten best tips for having enjoyable while writing an essay that earns you the highest grade, or checkout this presentation designed by our associates at Canva Presentations. Stop trying to write an excellent essay (or perhaps a “good-sufficient” essay). The reviewers get cash by directing you at a website. Buyessayonline.org critiques from customers on the Internet are principally unfavorable. Use tip #four and write 5 authentic sentences that could be turned into an essay. You don’t have to stay in one place and write from beginning to finish. Give your self the liberty to write as if you’re circling round your matter rather than making a single, simple argument. Then, when you edit, you can also make certain every thing strains up appropriately. As you analysis your essay matter, seek for this story of surprise, and don’t start writing till yow will discover it.

Essay Writer For Hire At Professional Essay Writing Service

Essay Writer For Hire At Professional Essay Writing Service If all those causes satisfied you to purchase an essay on-line then congratulations, you’ve made the best alternative. There is one other obstacle in ordering essay on-line, you could be caught and came upon by your professor. Many couples underestimate the importance of relationships during studentship considering it to be relationships without engagement or obligations. Couples of this age are beginning to realize the concept of morality and the way it works in families. They are experiencing strong feelings which might turn into the idea of sturdy and happy households in future. This makes studying insomnia meaningless because you spend evening doing assignments and can’t study anything new in the morning. Instead, write aninterestingessay, write an essay you think is fascinating. And whenever you’re finished, return and edit it till it’s “good” in accordance with your teacher’s standards. Every every so often, I would write a really good essay, but principally I skated by with B’s and A-minuses. Rest assured that admissions officers do, in reality, read your essays. Also, admissions officers view them as an important part of your application. No matter how certified you're, you can kill your probabilities with a foul essay. On the opposite hand, if you're minimally certified or even when one thing fall bellows the minimal, like your take a look at scores, the essay could be your chance for redemption. The answer to this question will, in fact, differ depending upon whether you're employed for your self or a company. If you're employed for your self, you should think about charging anyplace from $15.00 per web page to $forty.00 per web page, relying upon a wide range of components discussed under. Over time, as you achieve more experience in the enterprise, you will be able better price projects so that you receive a good wage. You’ll be surprised how much this will improve your writing abilities (and how many people will think you’re a extremely sage particular person, when all you’re principally doing is spying on them). Everyone will attempt to talk you out of selecting a job with so little safety, so it's better just to keep it to your self, and prove all of them wrong later. Some authors make a top level view plotting out what is going to occur in each chapter, before they sit down to write down the e-book. It lets you practise and develop transferable skills which might be priceless to you not only while you’re a pupil but also if you graduate and have to put in writing in an expert function. There are instances when it helps to know how many words per web page you're writing. While a basic guideline is one web page is 500 words or 250 words , this can be a ballpark figure. It covers the title web page, basic essay construction, essay outline, your conclusions, citations, and so on. Here is a list of 35 most interesting persuasive essay topics and ideas. Feel free to use them whereas writing your personal essay. By utilizing these three options to extra precisely outline your writing, the phrases per web page calculator should present a greater estimate on what number of phrases you should write to fill a web page. In the wrong way, it may give a extra accurate estimate of what number of pages you could have created should you only know the word rely. The truth is the variety of words per page is determined by a variety of components such as the kind of font, the font dimension, spacing parts, margin spacing, and paragraph length to call a couple of. In order to put in writing plausible dialogue, you need to listen to the conversations of the people round youâ€"then try to imitate them! So my recommendation is always to attempt to preserving quiet, pay attention only, and let other folks to do the talking for a change. That implies that one of the best essays are about surprise, “You probably think it’s one way, but in reality, you need to consider it this other means.” See tip #3 for extra on this. Every story is about battle and alter, and the truth is that essays are about conflict and change, too! The distinction is that in an essay, the battle is between different ideas, the change is in the way in which we should understand these concepts. You can learn my ten best tips for having enjoyable while writing an essay that earns you the highest grade, or checkout this presentation designed by our associates at Canva Presentations. Stop trying to write an excellent essay (or perhaps a “good-sufficient” essay). The reviewers get cash by directing you at a website. Buyessayonline.org critiques from customers on the Internet are principally unfavorable. Use tip #four and write 5 authentic sentences that could be turned into an essay. You don’t have to stay in one place and write from beginning to finish. Give your self the liberty to write as if you’re circling round your matter rather than making a single, simple argument. Then, when you edit, you can also make certain every thing strains up appropriately. As you analysis your essay matter, seek for this story of surprise, and don’t start writing till yow will discover it.

Why Profits Of Product Industry Are So High Finance Essay - Free Essay Example

As technology has advanced, retailers were able to improve their profit margins despite the prevailing competitive environment. They are well aware of their customers buying patterns and behavior. They know how to satisfy the needs and wants of their customers while saving a sufficient amount of profit margin for themselves. The reason why product based industry is so very well able to understand the psyche of their customers and use it as their own advantage is the availability of sufficient tools and theories to understand the market mechanism and its related variables in detail. They are able to devise business strategies in accordance to their goals and objectives, and implement them effectively. If we glance at the service industry in the very same fashion, it is clearly visible that they are not as comfortable with their customers as product based industry. Though they are available with tools and theories to understand their market as well but it certainly is not in as much detail as product based industries. 1.1 Pricing for Banks Pricing is one of the chief variables of strategic marketing and it has the most significant and direct impact on the sales revenue of any organization, and even then there are a very few conceptual researches making precise suggestions about setting prices. According to a research, pricing of services has been even given lesser attention than product pricing. But since service is becoming gradually more important part of the economy, the need to be aware of more about the pricing of services has developed; banking being the most important. There are two pricing challenges unique to service pricing that services are intangible and irreplaceable. (Rob Docters, 2004). Finch identifies some other including inseparability of production and consumption, heterogeneity and perishability. (J.Howard Finch, 1998) Banking being more complex than other services makes it more interesting and to an extent more troublesome as well. Pricing banking services is an art in itself. Iuliana Cetine ( 2010), in her research says that for a bank the price is one of the fundamentals of the marketing mix. The prices ought to be in conformity with the other Ps (product, placement, promotion) and they have to not be taken as a merely financial problem, where they are calculated by adding a margin of profit to the estimated costs; pricing is much more to it. Depositing and lending are two core operations for a bank, pricing these deposits and loans can significantly affect the overall performance of banks; but a research shows that banking executives are not very much able to handle pricing so well. Talking about lending in particular, banks usually are not able to convert their goals and objectives into an effective pricing strategy. Many banks still rely on ancient ways of pricing and handling loans. They have acquired technology for risk-management purposes but acquiring technology for pricing is something banks still have not yet paid attention towards. (Iuliana Cetine, 2010) Frank Rohde, who is a chief marketing officer at Nomis Solutions, claims in one of his interviews to FST that pricing process of retail banks is fundamentally broken. He talks about the US banks and banks all over the world, mentioning about how banks price, he says that pricing executives come up with pricing strategy without any knowledge about the volume and profitability; profitability teams further come up with different sets of rates with a pure subjective judgment about the pricing behavior of the consumers and market fundamentals. They lack of information and proper analysis as they lack tools essential for these purposes, they are not able to set appropriate targets. Even if they do, they are unable to understand the reasons of deviations from the set targets and how exactly can they correct their policies. Pricing technology is necessary to understand the pricing mechanism properly. Pricing instead of taking as a side operation should built as a core competency by the ban ks. It directly influences the targets and revenues of the banks. Mr. Rohde further claims that the basic root of the credit crisis is that banks have not been able to translate their knowledge of market demand and profitability into a practical pricing strategy. (Rohde, 2008) 1.2 Pricing theories with respect to granting Loans As mentioned earlier, depositing and lending are two core areas of banking. This research will primarily focus on the lending part of the banking operations. It will take into account all the pricing strategies banks have been using in the past and the strategies that are still in practices with regard to the pricing of loans. It will identify the areas which are crucial for devising effective pricing strategies and the areas where these strategies lack. It will further identify aspects in which these strategies have affected and still affecting banks till present day. Banks may include retail banks, commercial banks, investment banks, community banks and much more. This study will be focusing more towards the working of retail banks. Retail banks work with consumers and small business enterprises. Investment banks being vast subject in its own will be completely excluded from this research. There a number of theories devised for pricing of banking products and specifically f or granting loans as well. Nora Mihail in her research identifies cost plus profit, taking the cream, price depending on competition, price depending on value and price to penetrate as basic theories for banking products including lending. (Iuliana Cetine, 2010) These terms are self explanatory; Cost plus profit calculates all the relevant costs and further adds a margin of profit to it, taking the cream is for high quality newly introduced products to take the cream demand, price depending on the competition takes the competitors prices as a base criteria, price on the market checks for the already settled prices at the market, price depending on value is based on the value of the service perceived by the customers whereas price to penetrate is charging a low price in the start to gain a substantial share in the beginning. (Iuliana Cetine, 2010) Traditionally flat-rate pricing has been in practice by most of the banks. In flat-rate pricing strategy all customers obtain the loan at the same pre-decided rate set by the bank. As the article published by Bench Mark Consulting International says that flat rate is used by the banks which lack technology to design a sophisticated policy and therefore use a flat rate to to keep it simple (King, 2007). The problem with flat rate loan is that high credit quality borrowers can get loans at cheaper prices because of the regular use of risk- based pricing methods (mentioned in detail later) whereas lower credit quality loans find this rate cheaper and this leads to a very risky equilibrium which prove to be futile for the bank. There is a clear line between the banks who use a thoroughly planned systematic approach to loan pricing and those who just go by the market. Thomas A. Hannagan in his study points out certain questionable practices of the banks. The first one he pointed out is the omission to add any costs related to the risk of the loan leading bad credits to obtain loan at a cheaper amounts. Another practi ce he questioned is baseless assumptions about the costs bank incur to originate and maintain existing borrowers and the third one is when lenders estimate a very large earning from a credit than it actually is. (Hannagan, 2004) Theorists often talk about risk-based pricing when it comes to pricing bank loans. Risk based pricing, in simple terms, is charging higher to the risky entities and lesser to the lower risk entities. It keeps in line, the loan price with the anticipated loan risk. As mentioned by KANSAS on its official website that this method allows the lender to obtain a level of return that is in accordance with the taken risk and it follows the principle of financial theory of risk and return. (KANSAS, 2010). Managers of known banks claim that, despite tough economic conditions, they are able to increase volume by following the risk based pricing. They instead of avoiding risk are opting for a suitable combination of risk and return; this can help them grow. Risk Base d Loan pricing can help in better risk management but there are certain drawbacks or in better words, limitations of risk based pricing. As Robert Phillips says that undoubtedly charging higher for higher is a sensible as well as profitable idea but this obviously is not final in pricing complexity. Risk-based pricing does not take a number of factors into account, one of which is the price sensitivity of customers into consideration. (Phillips, 2005) Bankers usually like this design in which lenders have better understanding of the available pricing options and the respective price is reached quickly. Lender can know in advance about the fee that will be charged to them and they can further look at the benefits of growth in total relationship with the bank. Hannangan says that can also use this loan pricing system to cross sell other fee based services of the bank. This gives rise to Relationship Based Pricing. (Hannagan, 2004) With the passage of time different non-banking f inancial institutions entered the place which was once the territory of banks. Banks faced a tough competition but did not lag behind. A basic rule of marketing any product or service is a differentiating factor. Relationship with the customer was a factor that banks could use as their differentiating factor to compete. Banks generally are likely to have long relationships and associations with their customers. This can build a loyalty factor among customers as well. Relationship pricing strategy takes the relationship with the customer as the basis to set a price. It usually takes into consideration, customers loyalty time, the total amount of business he provides, the frequency and type of transactions he does etc. (Relationship Pricing, 2010) A research on relationship banking supports this type of pricing by adding that the progress of bank-firm relationship can lead to benefits for the lender as well as borrower in terms of cost reduction or increased revenues and reduced ra tes. (Fredriksson, 2007) This kind of pricing takes into account all the services that a particular customer is availing. As mentioned by Thomas Hannagan, this pricing system can let lender receive benefits from the indirect ways such as deposit accounts. He states an example in which a borrower negotiated for a low-rate loan by guarantying to maintain a certain level of deposits in the bank which can help bank improve its return ratios. (Hannagan, 2004) Both the parties can negotiate for mutual benefit. SAP, a German software corporation providing software to support businesses globally, elaborates in its industry briefing about the pricing of banks. According to SAP banks have prospects to perk up their profitability by optimizing their price structure. (SAP, 2009) Bank instead of working on the price they need to sell at should focus on the price customers are willing to buy at. Simple pricing models only take monetary aspect of the transactions into account but advance models take all non price factors to give a true picture of rates and volume. Price optimization can help banks to come up with rates according to their growth strategy. If a bank plans to increase its profits without affecting volume, price optimization model comes up with a rate that bank needs to offer a particular chunk of customers and achieve its goal. Similarly if a bank intends to augment its volume with significant profits, the model calculates a price consumer intends to spend for a product in any area of business; it also shows how the pricing is balanced among loan products to maintain the overall strategy intended by the bank. (SAP, 2009) Pricing optimization allows executives to pull pricing as a core strategic driver of performance. Pricing should not be taken as a secondary function. Pricing should be treated as a core proficiency, it can be used a tool which can quickly and significantly influence the required results of the fiscal year. (Rohde, 2008) Banks can further use what-if analysis to alter the recommended strategy according to what is more feasible and comfortable to the suggested targets. Banks and other non-bank financial service providers who were relying merely on risk assessments have started employing value based approaches to pricing credit. The competitive environment in which banks are working in, value based pricing can help banks to continue with profitable growth. (David Vidal, 2009) A paper identifies certain structural guidelines to implement value based pricing; the steps researcher mentioned are identifying the factors that influence customers willingness to pay, define pricing segments along the structure identified, quantify ability to profitability change your pricing by measuring price elasticities and implementing the selected value based pricing approach using price optimization models. (David Vidal, 2009) Customer Loyalty is something that is extremely important for all the banks; it can be considered as one of the most valuable assets of a bank. Taking into account the aggressive environment, retaining customers is becoming increasingly difficult. Girish P B in his article says that retaining and increasing good business with a current profitable customer is more cost effective than targeting a new customer. Selection of a good pricing strategy can help banks retain profitable customers. (Girish, 2010) Moreover as mentioned earlier as well, pricing strategy has a direct influence on revenues and banking targets of a bank. A suitable pricing strategy can help bank increase its revenues, achieve targets, improve business ratios, increase business effectiveness, amplify its volume, improve on profitability, enlarge its customer base, and plenty of other factors important for a business. All these variables, their influencing variables and their relationship will be comprehended further in this study. INDUSTRY BACKGROUND Banking industry is the backbone of any economy. It is considered fundamental to economic growth. Banking industry alone can affect the entire economy, if banking industry of an economy is not working well; it will directly impact the working of the whole economy and vice versa. Banks in simple terms are described as financial institutions which accept deposits and issue loans. Banks extend loans to corporations and individuals to invest, handle savings and handle transactions. Though banking industry has evolved over time in economic, financial and technological aspects, the loan component of the banking has not advanced as much as the other services provided by banks. Banks have been able to handle their loans very well. Banks which extended credit have encountered loan defaults while other banks did not extend sufficient credit to perform well. Some banking executives and theorists claim the pricing component of the loans to lack. Banks cannot effectively price their loans ; some do not take all the pricing components into account while others which do, are unable to comprehend their behavior. Product based industries are available with sufficient pricing strategies to cater their needs. They are able to implement their strategic goals and objectives and excel in every dimension; as they can effectively translate their business strategies into pricing tactics. Banking professionals also have pricing theories for their assistance which have improved with the passage of time but despite focused considerations banks have not been able to perform up to the mark. This clearly indicates that either the pricing strategies bankers are available with are not enough or they lack in some key areas which still need to be addressed in order to completely understand the key influencing variables. Research Aim The aim of this research is to comprehend the pricing strategies and key influencing variables in pricing of loans, so that the banks are in a position to develop better performing and effective pricing strategies that alignment with their strategic business plans. Research Questions: Research question 1: In what aspects can pricing strategy be important for the banks with respect to granting loans? Research question 2: What factors are taken into account by Banks while devising their pricing strategy? Hypothesis Poor loan pricing strategy is the key factor due to which banks are unable to achieve their strategic business objectives Existing pricing theories cannot help banking loans to perform up to the mark Objectives Comprehend the strategies that banks use for pricing their loans Indentify and elaborate on the aspects that can be influenced by pricing strategies banks adopt for pricing their loans Identification of the most suitable loan pricing strategy and suggestion for further improvement in the weaker areas of existing loan pricing models and theories. METHODOLOGY Business researches, depending on the nature of a research, can usually be classified into three basic categories which are exploratory, descriptive and causal research. Exploratory research is carried out in the beginning stages of decision making when the decision circumstances are vague and management is very unsure about the nature of the problem. Descriptive research is carried out when the management knows about the problem but not completely aware of the entire situation. (Zikmund, 2001) This type of research answers who, what, where and how questions. Causal study is carried out when the problem is very clear, specific and sharply defined. The cause and effect relationship among the variables is identified. (Zikmund, 2001) This study will fall under the causal category of research. The problem of the study is clearly defined and the hypothesis are stated which would be defended further in the research. The problem area is the loan pricing and its causal relationships wit h other variables will be identified to further identify and discuss the areas where current loan pricing strategies lack. It may have a little tinge of descriptive category as well when the pricing strategies that banks have used in the past or are still using will be identified and elaborated upon. This research will primarily be based upon secondary data sources. Different studies of different authors from different corners of the globe will be thoroughly studied and scrutinized in order to get hold of the subject and get a complete understanding of the subject matter. All the direct, indirect, moderating and intervening variables will be identified, a theoretical framework will be designed identifying the relationship among the variables and their significance; they will be studied in detail to reach justifiable conclusions. Dependent variable is the variable of primary interest to the researcher. The researcher analyses the dependent variable to get his answers. Here in this study it may be the volume of the loan, the profitability or the effectiveness of the strategy (this will be dealt further in detail). The independent variable is the one which influences the dependent variable. In this case it may be the interest rates, economic repercussions, loyal relationship etc. A moderating variable has a strong effect on the relationship of direct and indirect variable. The intervening variable is a surface in time when indirect variable starts influencing and the time when its influence is felt. All the relevant literature, studies, theories will be examined. The empirical evidences and regressions run in other applicable studies will also be taken into account to deduce the relationship among variables. The objectives of the research will be kept in mind while examining other studies in order to stay focused. Hermeneutical text analysis will be used in the study to analyze and discuss the strategies used by banks for pricing their loans. Hermeneutic s is a research technique which is followed by an interpretive pattern on text scrutiny. Hermeneutics is widely used in social sciences including researches in economics and business. Hermeneutics is a method of research which allows the researcher to interpret the texts in its background and draw a meaning accordingly. In order to understand something properly, one needs to take it in context and one need to have knowledge about it, and hermeneutics allows the researcher to combine both of these necessary elements to gain complete understanding of the relevant text. Thus hermeneutics makes use of the blend of information and contexts to generate fresh facts and gain additional understanding in research (Cole Avison, 2007); as in order to draw legitimate and justifiable conclusions, it very important to know about the social, political, economic and historical aspects of an event. Hermeneutics comprises of five concepts: the hermeneutic cycle, the hermeneutic horizon, fusion of horizons, rejection of author-intentionality and critique (Mir Prasad, 2002) A research on hermeneutics says that Hermeneutics means the theory of interpretation, i.e. the theory of achieving an understanding of texts, utterances, and so on (it does not mean a certain twentieth-century philosophical movement) (Forster, 2007) Hermeneutics is the research method in the field of text analysis which offers the researcher to interpret texts in their context and therefore derive meaning. As knowledge about something needs both information and context, hermeneutics enable to combine both to gain understanding. In social sciences the historical, political, economic and social backgrounds of phenomena have to be analyzed carefully to draw correct and legitimate conclusions (Mir Prasad, 2002). The major philosophy and concept of hermeneutics is its cycle. The cycle states that the part can only be understood from the whole and the whole can only be understood from the parts. (Mir Prasad, 2002) This means that in order to get the complete understanding of the parts, one need to know about the context and the whole scenario and in order to understand the whole scenario, one need to have a complete understanding of the parts. The social and cultural aspects are also taken into consideration. Not only the research subject is what the analysis will be based on but a separate analysis of the context is also required. While studying loan pricing, not only the directly related variables are taken into account, the environment in which those variables work has also to be taken into account to get an enhanced understanding of the working of actual variables. Timescale The way this research will be carried out is suitably planned; expected time for each part of the study is also determined. Things will take place exactly according to the pre-determined plans as this will help us give appropriate time to each section and as well as finish the study on time. In order to work in a systematic manner, keeping the time constraint in mind, the analysis part of the report is divided into four sub-parts, relevant data collection, analysis of the data collected, further analysis and final deductions. As this study is based on secondary data, analysis and data collection are the cornerstones of this study. Therefore, these stages will be carried out with utmost care. Following table shows how the time divided among different stages of the research: Sr.no. Task No of Weeks 1 Literature review 5 2 Analysis Relevant Data Collection 4 3 Analysis of Data Collected 4 4 Further Analysis and Data Collection 5 5 Analysis Final Deduction 3 6 Final Report write up 4 7 Final Presentation write up 1 8 Presentation Preparation 1 Though the planned will be followed strictly, still a room for delays is kept in mind. Some tasks (most likely analysis and literature review) may require extra time depending on the situation. If such things happen which is not very likely, we can use the room kept for delays or we can reduce time from other stages if they can be completely early without any compromise with the quality of work. Resources This study is not very costly to conduct, since it is relying on secondary sources for data. No primary activities will be carried out at any business locations. Access to Business and Marketing Journals is the major resource needed for this research. Access to quality data is major requirement and something that will significantly influence the quality of this research work. Moreover a computer with an online access to articles is all what is needed.

The Chicago Riots Act Of Violence And Destruction

Most people can feel bad for the people of Baltimore with the furious nature from April 18, 2015 - May 3, 2015. It’s really easy to feel a lot of compassion for the people who’ve suffered from police brutality, poverty, and injustice; even if you’ve never experienced either. Burning and looting a CVS store would be a lot harder to understand and would hardly seem to have anything to do with protesting the actions of the Baltimore Police Department. President Obama decried the Baltimore riots as â€Å"senseless act of violence and destruction.† Baltimore Mayor Stephanie Rawlings-Blake also seemed disheartened. â€Å"We worked so hard to get a company like CVS to invest in this neighborhood,† she said, â€Å"this is the only place that so many people have to pick up their prescriptions.† Why would anyone burn down the only CVS in their neighborhood? The main reason, I purpose, is most likely the same reason that poor people in these cities across the country burned â€Å"their own† neighborhoods in the late 1960s: They did not experience those places as their own. Then, like now, police brutality was a precipitating cause of the violence, but it was the long-term experience of the indignities of the ghetto that gave shape to the riots. Then, like now, media outlets compared the rioters to savages who had run wild and needed discipline. Rioting, to these bystanders, was not proper political protest but the criminal actions of poor people who merely wanted to grab what they could for free. ThisShow MoreRelatedThe Rebellion Of The Mid 1960s1479 Words   |  6 PagesRebels with a Cause During the mid-1960s, various racially driven riots descended upon Northern urban centers and blanketed the cities with violence and destruction. 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The Childhood Of Mother And Dad Essay - 1218 Words

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Comparison of Health Care Spending of United States With OECD Countrie

Question: Discuss trends in data concerning spending and determine if rates are higher or lower. Discuss the impact of technology and its relationship to spending versus health outcomes in the United States. Answer: The performance of United States in various measures related to well being of the individual. It ranks at the top among the top countries in the Better Life Index. The average household net disposable income per capita is 39531 USD a year. It is more than the OECD average of 23938 USD a year. But there is disparity among the richest and the poorest. The top 20% of the population earn eight times approximately than the bottom 20% (Oecdbetterlifeindex.org, 2015). From the 2014 data, it is evident that the health care system is the most expensive in the world. The health care spending of United States remains the highest than the OECD countries. Health care spending of United States accounted for 16.9% of the GDP in 2012. This is the highest share amongst the OECD countries. In 2012, 48% of the health care spending of United States was financed publicly. It is below the average of 72% in the OECD countries (oecd.org, 2014). As per the data of 2010, the health care expenditure of 2012 is 15.3% of the GDP in United States. On the other hand, in the OECD countries the expenditure in health care is less than 10% of GDP and does not exceed 11.3 %. The health care spending of United States has shown a slow trend due to the rise of price of the products of the pharmaceutical and the hospital sectors. The slowdown has been predated by the crisis in the economy. The slowdown has decelerated further by 2% in the year 2011 and 2012. The lower rate of gro wth of United States is higher than the average of the OECD countries. It is lower than the European countries as there has been significant reduction in the health care spending of the of the OECD countries. A downtrend has been noticed in the spending of the pharmaceutical sector of the OECD countries (OECD Health Statistics 2014 How does the United States compare?, 2014). The pharmaceutical sector of United States has shown downtrend after it has shown years of strong growth. The growth in the pharmaceutical sector has reduced by 1.1% in the year 2012. It was mostly due to the pricing effects which was a result of the loss of patent protection for some of the highly selling drugs. This has resulted in the increase in the share of the cheaper generic of drugs available in the market (OECD Health Statistics 2014 How does the United States compare?, 2014). The trend of health care spending in the year 2006 has been lower than the 2011 and 2012. The rise in the price of the products of the hospital industry and the health care industry has been the major reason behind the rise in spending. There was significant growth in the health care spending in almost all the OECD countries since 2008. The growth in the health care sector was fixed at 4% per annum but after 2008 the health care spending in the country has seen a sharp decline. It grew at only 0.2% in between 2009 and 2011. This was a result of the economic downturn in the country. Amongst the OECD countries, the decline was starkly seen in the decline of the health care spending in Greece and Ireland by 11.1% and 6.6% respectively in between 2009 and 2011. The health care spending also slowed in Canada and United States (OECD Health Statistics 2014 How does the United States compare?, 2014); (oecd.org, 2014). The OECD countries have universal health coverage for a set o health services. But the health scheme of United States varies (Health at a Glance 2013 OECD INDICATORS, 2013). This has increased the expense on health care services in United States. In United States, 15% of the population was uninsured in 2011 in United States. This has increased the out of pocket expenditures of the population in United States. In the OECD countries the life expectancy rate continued to increase from 65 in 2011. But the additional years are lived by the people with some chronic diseases. For e.g. quarter of the people of the age group of 85 years suffer from dementia (Health at a Glance 2013 OECD INDICATORS, 2013). The health care spending in United States has been increasing starkly than the other sectors of the economy. The introduction of new technology in the health care sector has increased the expenditure of the health care sector. Sophisticated imaging technology is used in United States and the MRI techniques are highly costly. Among the other OECD countries, United States spends the most in the technology used in the health care sector. United States is far above than the OECD countries in the use of technology (A, 2015). Technology, administrative expenditure, hospital costs and choice of lifestyle and the chronic conditions has resulted in the rise of the health costs. Installation and implementation of the electronic health records is considered to be a costly affair. The use of advanced technology has adverse effect on the health care spending of the country. Other areas of concern of the health care spending are the rise in the administrative expenses and the increase in the hosp ital costs. There has been rise in the administrative regulations in United States which has burdened the hospitals to overcharge their patients. The rise in the prices of the medicines has also raised the health care spending of the country. In 2010, the health care expenditures was $814 billion. It was 31.4% of the GDP of the country. The cost of the hospital care in the country will increase rapidly. The major health care spending of the country is done in curing the chronic diseases in the country. The chronic conditions of the disease fall into 20% of the health care spending of United States (A, 2015); (Cms.gov, 2015). The various factors that are discussed above have resulted in the rise of the health care costs in United States than the OECD countries (Norbeck, 2013). The health care costs are above the gross domestic product, growth of the population and the rate of inflation. Use of advanced technology has been a major factor for the rise of the health care costs (Norbeck, 2013). References A, W. (2015). The impact of technology on health care cost and policy development. - PubMed - NCBI. Ncbi.nlm.nih.gov. Retrieved 23 January 2015, from Cms.gov,. (2015). National Health Expenditure Data - Centers for Medicare Medicaid Services. Retrieved 23 January 2015, from Health at a Glance 2013 OECD INDICATORS. (2013) (1st ed., pp. 9-50). Retrieved from Norbeck, L. (2013). Who's To Blame For Our Rising Healthcare Costs?. Forbes. Retrieved 23 January 2015, from OECD Health Statistics 2014 How does the United States compare?. (2014) (1st ed., pp. 1-3). Retrieved from oecd.org,. (2014). OECD Health Statistics 2014 How does Canada compare?. Retrieved 23 January 2015, from

The Application of Eugenics Practices

In sociology, a bio-social environment can largely benefit from the applied science of eugenics. In other words, eugenics supports the study of modifying or boosting the genetic make-up of any sample of a population.Advertising We will write a custom essay sample on The Application of Eugenics Practices specifically for you for only $16.05 $11/page Learn More In most cases, the human population is the major target in the application of eugenics practices. It is also imperative to mention that eugenics is a broad social philosophy that attempts to improve the productivity and genetic wellbeing of certain individuals, while lowering the productivity of some individuals by modifying their genetic make-up. It is definite that eugenics has been a subject of great discourse and controversy since the time it was developed and adopted. During the first few decades of the 20th century, eugenics had attained high popularity especially in the western world. It had been recognized as a formidable social movement. For instance, institutions, influential individuals as well governments were already propagating and advocating the practice of eugenics before the mid 20th century. Although the identification and understanding of certain features and compositions of genes have been facilitated in the study of genetics, there are still no definite and approved scientific methods that can be used to evaluate traits that may finally be useful. However, eugenics has been moderately applied in boosting body defense against diseases such as Cholera and Malaria. In terms of genetic diversity, it is worth to mention that policies that promote eugenics are likely to interfere with the natural diversity of genes among various populations. There is a wide pool of scientific evidences which have demonstrated that vulnerability towards certain ailments could be rife especially among populations with modified genes. For instance, individuals whose genes have been incapacitated find it difficult to adapt effectively against prevailing environmental conditions. Needless to say, when undesired genes are eliminated in the process of eugenics, the diversity of genes portfolio is equally reduced leading to unbalanced population in terms of various personalities needed to supplement society. Individuals and corporate bodies who support the practice of eugenics argue that the process of eliminating genes may not necessarily impact a population negatively because it as slow program that can be reversed whenever undesired consequences are noted.Advertising Looking for essay on social sciences? Let's see if we can help you! Get your first paper with 15% OFF Learn More They also reiterate that when a particular program on eugenics is adopted, any unwanted consequences can be noted in advance and therefore controlled accordingly. Additionally, they observe that in case of any significant reduction in gene diversity, then it will take remar kably long period of time with negligible effects. Therefore, there is no cause for alarm over the practice of eugenics. The autism rights’ movements have also entangled themselves in the controversies surrounding eugenics. When genes are predisposed among individual with autism, it is definite that the rate of autism can be reduced. However, autistic movements argue that there is no need of lowering the rate of autism using eugenics because it is an integral component of brain diversity. On the same note, the Down syndrome’s advocacy groups also purport that the latter condition is part and parcel of neurodiversity that should not be interfered with at all. Finally, it is vital to mention the relevance of heterozygous recessive traits in relation to the practice of eugenics. There are scenarios when it is practically impossible to eliminate single-gene mutations. It is against this backdrop that genes with heterozygous recessive traits may be difficult to eradicate du e to myriads of carriers that are attached to them. Therefore, eugenics is a scientific attempt in gene mutation that has not achieved complete success. This essay on The Application of Eugenics Practices was written and submitted by user Wendell Vaughn to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Service Delivery System Essay Example

Service Delivery System Essay Example Service Delivery System Paper Service Delivery System Paper The Lewis Partnership is in my opinion a very well organised company. Through their description in the first edition of their Occasions Magazine the reader gets in a world of dreams hopping to be there and to have the possibility to see it with the own eyes. The description is fantastic and you become the wish to be there and to know personally such a loving place. The employees describe the organisation as excellence as a culture, a work ethic and a way of life and a unique and very special place. The two most important managers Chris Lewis and Mark Lewis illustrate their both hotels as the first choice for all occasions. They want the costumer to be the King and they want to spoil the clients so that they spend an unforgettable time in the hotel. By offering luxury and elegance, by giving only the best service and by realizing the wishes of the costumers they show that they have a very well designed Customer Benefit Package. The clients appreciate very much the services offered by the hotels. This is shown with the example of the couple who chose the Moat House Hotel to celebrate their wedding. The couple was very pleased by the flexibility of the hotel manager. They were even allowed to change pictures and to put some own ones to adorn the rooms. The fact that this couple chose this hotel again for their first anniversary and for the naming ceremony of their first child shows that they were very satisfied with the service offered by the hotel. In the magazine they also express the careful choose of their providers of foods, flowers and coffee. The Lewis Partnership remarks also the high quality of their restaurants and point out the 2 AA Rosette standards. The winning of some awards is also a sign for the good quality delivered in the hotels. (Occasions Magazine / First Edition) 2. What is a Service Concept and why is it important to such a company?  The service concept of a company is the sum of the facilities and the deals that a company offers to their costumers. These depend on the point of view of the company by which the organisation wants the costumers, their employees and the stakeholders to perceive it. The point of view of the company depends on the initial vision that the creator of the company had when he or she started with the business. In the case of the Lewis Partnership they started with the idea of transforming the manor house into a pub and a small restaurant. After the vision they created the mission, a very difficult task because it is not easy to design and to change the mission once it is created. Later on when they took over the Swan Hotel they applied the same mission to this second business changing only some specific hotel own details. The mission is the way of doing things and the way that they wanted to be perceived by their environment. They decided to develop a place where people can enjoy holidays, a business travel or a simple dinner. They worked hardly over years and this way they build up on this idea. Step by step they expanded. They transformed the pub into a small restaurant. They worked very hard and they had big difficulties due to the lack of experience. But the business worked always better and later on due to the increasing demand of the costumers they decided to transform the restaurant into a hotel. After an extensive research they started the project. Due to the importance of having qualified personnel they employed an experienced team of professionals. The costumers were so satisfied with the service that the Manor house has been repeatedly named the most popular civil wedding venue. The well going Moat House Hotel and the opening of the Swan Hotel were the result of taking exceptional care of the costumers; they adapted the needs of the costumers and innovated their business on an ongoing basis. Another very important task is to be a good leader. The bottom line for all leadership efforts is customer satisfaction. Continued patronage ensures companys success. The supervisors have some contact with customers because they are working leaders, but there are the employees of the service team who handle the bulk of the customer contacts. That is why the importance of satisfied employees is so important to provide good service to the costumers. Desired behaviours only will take place when each leader and their respective managers and supervisors start modelling these behaviours to those they manage. When employees see their leaders actually leading by example, they feel good about their work and are more motivated to satisfy their guests. Guests and customers in general feel good when they deal with companies who seem to treat their people well. (www.hotelexecutive.com). In the case of the Lewis Partnership managers and the rest of the staff have a very good relationship. The employees have the possibility to be rewarded by themselves with the AboveBeyond awards. Management and rest of employees work together they built a strong team and the work atmosphere is very good. It is also important to point out that the services sector has grown steadily in the last 20 years. People not only want to be in a nice hotel and to pass there some days for holidays or business. They want to get more for their money. The competence is always harder and only satisfied clients choose the same hotel twice. The surroundings and the installations of a hotel are very important but you will not reach a second visit of a client if you do not offer a very good service. The Swan Hotel has a three stars category and the Moat House a four Starts category and this is also an important reason to deliver a good service to customers. Of course hotels with fewer stars should also give a good service but when a person books a table or a room in a four stars hotel he has a higher service expectation. (www.moathouse.co.uk) (www.theswanstafford.co.uk)  3. What features of a service delivery system appear to make this company successful in delivering quality service to their customers? A service delivery system is a mix of capabilities provided through resources. A good service delivery system depends on the coordination and effectiveness of all the characteristics around the service provided. In the case of a hotel the management has to answer many key questions and take many decisions to create a Costumer benefit package. They have to answer questions like: what wants the costumer, what are his needs, which are his preferences. The management needs to design procedures and to teach the staff on them to reach a high satisfaction by the costumers. A very helpful way for employees to follow the procedures is creating standard operating procedures, where each procedure is fixed step by step. It is also very important to measure the results to evaluate their effectiveness and to make improvements with the feedback of the environment. What is a Costumer benefit package? It is a combination of tangibles and intangibles that comprise a service. (Class Notes March 2004) For example: Why is a Costumer Benefit Package so important? Because of the upward trend in the business service sector over the past 20 years and also because competitive edge starts with a solid Costumer Benefit Package. It is vital to develop the CBP because it is a very useful tool for service providers to clarify what they do and do not offer through their services also because it helps to define service providers responsibilities to customers. In todays service oriented economy, it is important that companies develop a strong CBP to stay competitive. The management should keep in mind that there are many factors to take into consideration while designing an appropriate CBP for their company. (www.freequality.org) According to the GAP model, the personal needs of the costumer are the most important for the hotels. Especially GAP 5, which is; expected service contra perceived service is a force for the Lewis hotels. This is where they have the chance to impress the customers, and according to themselves, they certainly do. From the first step they take into one of the two hotels, they are meet by a staff member and taken care of. The whole stay is also carefully planed where the customer gets the opportunity to choose exactly what he or she wants in his or her room. You can say that the service and quality is reliable (The Lewis Partnership Magazine).

Innovation, Entrepreneurship and Management Essay

Innovation, Entrepreneurship and Management - Essay Example Implication of Current Global Financial Crisis on Innovation of Firms Since innovation relies on resource allocation in terms of research and development, it is likely to be affected by current global financial crisis (Nakagawa,pg.258). A closer scrutiny of various European firms has revealed a significant change in innovation investment amidst the economic crisis. A survey conducted in 2009, revealed significant shifts in innovation investments across various firms in Europe where innovation investment and expenditure in firms declined from 40.2 percent to 10.6 percent (Filippetti and Archibugi,pg.2). The reduction in innovation investment and expenditures was attributed to direct effects of global financial crisis and recession. The economic crisis and recession reduces the short-term willingness of firms to engage to invest in innovation due to adverse macroeconomic environment that firms operate within (Archibugi, Filippetti and Frenz,pg.2). The mode of financing channels for Eur opean enterprises has been through bank loans and stock and bond market. In fact, most European banks have reviewed and tightened their money supply regulation due to global financial crisis (Fasnacht,pg.73). ... Most firms rely on profits and extra revenues for their research and development initiatives. Since the global economic meltdown is directly related to earnings of companies, any slight reduction in companies’ profits can affect their innovation approaches and incentives (Savona, Kirton and Oldani,pg.140). All business sectors and companies in Europe have felt the effect of the ongoing financial crisis in varying degrees thus leading to deterioration of their revenues and profitability. The reduction in financial results of European companies is linked to reduction in consumerism, export cut back or reduction and shifting demand in domestic consumers. Cash flow and increased profitability and revenues are crucial for the survival of companies in relation to engagement in innovative activities. Robust and increased cash inflow in terms of profitability and increased revenues provides the safest protection of companies to engage in innovation. Research and development initiative s in European firms have hence been affected by the ongoing global recession due to the fact that their commitments to innovation have been pegged on success in revenue and profit growth. On the other hand, the ongoing financial crisis and economic turmoil has not affected the commitment of other European companies to innovation. This is particularly evident in high performing businesses that continue to invest in innovation amidst the economic turmoil (Heinrich and Betts,pg.34). Although other firms and businesses have panicked and reduced investment on research and development, some high performing firms have remained calm and are continuing to invest in innovation even though there has been pressure for such companies to reduce capital expenses (Shahzad, Ullah and Azam,pg.6). The

Should the United States go to war in 1917 Essay

Should the United States go to war in 1917 - Essay Example All of these reasons should prevent the United States from entering the war. The first reason not to go to war would be Germany’s degree of threat. Germany has a low level of threat level towards the U.S. Germany’s fight is not with the U.S. If the U.S. went to war over a country that is non-threatening, it would only waste our resources to fight real threats on U.S. soil. It is true that German submarines killed American citizens. However, these American citizens were on British vessels. Warnings have been issued for American citizens to stay off of British ships. If the U.S. went to war with every country that killed American citizens as a by product of war, it would be the U.S. against the world. Charles Schwab, president of Bethlehem Steel, one of the world’s largest arms merchants, took a profitable trip to London. There, he secured orders from the British government for millions of artillery shells, as well as ten 500-ton submarines. Though the construction of such foreign vessels broke the law, Bethlehem proceeded with it and the Wilson administration did not stop them. (Dwyer) Unless the Imperial Government should now immediately declare and effect an abandonment of its present methods of submarine warfare against passenger and freight-carrying vessels, the Government of the United States can have no choice but to sever diplomatic relations with the German Empire altogether (Bass). This alone could be a strong enough message. This and stronger warnings for Americans to stay off of British vessels could save lives. Going to war would only put American lives at risk for another country’s fight. Democracy is a precious thing. If the U.S. goes to war, they will jeopardize this precious gift our forefathers gave us. The only reason to go to war would be the threat of losing our way of democracy. Germany does not threaten it. The only threat is the people who want to go to war. The