...Executive Summary The Republic National Bank of Dallas is the leading lending institutes in the Dallas area and in all of Texas. In 1977 the current marketing director for RNBD was asked to assess the effect of offering a new type of account, an interesting paying account that allows for negotiable orders of withdrawal called a NOW account. The NOW account originated in the New England states in 1972 and have grown to be a sizable amount of all accounts held in the that area. With 50 months of data available to see how the NOW accounts have influence banking and the traditional checking accounts in the area, it was time for RNDB, a leader and innovator in retail bank accounts in the Dallas area, to consider the potential of offering and what effect it would have on the business. Analysis shows that a 100% cannibalization of RNBD’s current retail checking accounts would cause a loss of close to $6 million dollars annually. At a 44% cannibalization, which was seen in Massachusetts, a market most similar to the Dallas area, would result in a loss of $2.6 million. The recommendation for RNBD includes determining a breakeven point for an account balance at approximately $1,800 and focus on conversion of current customers at that level or above to avoid losing any of their current customer base. Situation Analysis & Decision Problem The situation at hand is whether Republic National Bank of Dallas should jump into the NOW account fray and offer NOW accounts along...
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...Republic National Bank of Dallas NOW accounts Case 1 Decision Problem: Republic National Bank of Dallas (RNB) მარკეტინგის ოფიცერს, რუთ კრუსენს სთხოვეს შეეფასებინა ზეგავლენა NOW ანგარიშების შემოღების შემთხვევაში კომპანიაზე: 1. დაედგინა მოგებაზე ზეგავლენა რაც ექნებოდა NOW ანგარიშების შემოღებას 2. რეკომენდაცია გაეწია NOW ანგარიშების დანერგვის სტრატგიისთვის კრუსენს უნდა გადაეწყვიტა ღირდა თუ არა NOW ანგარიშების დანერგვა, შემდგომ მისი ზეგავლენა ბანკზე, ამისთვის მას უნდა გაეთვალისწინებინა კომპანიის მდგომარეობა, მისი ბაზრის წილი და თვითონ ბაზრის ცვალებადობა (კონკურენტუნარიანი, კონსერვატიული თუ ლიბერალური). ამ მომენტისთვის RNB იყო ლიდერი, მაგრამ NOW ანგარიშების არ შემოღების შემთხვევაში ამით შეიძლება სხვას ესარგებლა და დაეკარგა პოზიცია, მარკეტინგული სტრატეგიის გადაწყვეტილებას იყო სწორედ ეს, შესულიყო პირველი თუ ეცდია სხვისთვის, შეესწავლა და მერე შესულიყო. Key information: * იმ ბანკების წილი უფრო დიდია ამ ტიპის პროდუქტის მიხედვით, სხვადასხვა შტატების მიხედვით ვინც პირველმა დაიწყო NOW ანგარიშების შეთავაზება * NOW ანგარიშების დანერგვა მოახდენს ჩეკის ანგარიშების კანიბალიზაციას, რომელიშიც ამ მომენტისთვის RNB ლიდერობს. * NOW ანგარიშების ბალანსი არის მაღალი ცხრილის მიხედვით, რაც საბაბს გვაძლევს ვივარაუდოთ რომ მომხმარებელი მაღალი ბალანსით უფრო გადმოვა ამ ანგარიშზე. ასევე აღსაღნიშნავია რომ მინიმალური ბალანსის მოთხოვნა NOW ანგარიშებისთვის არის მაღალი. * საწყის ეტაპზე ხდებოდა უფასო NOW ანგარიშების შეთავაზება. კომერციულმა ბანკემბა შესვლისას იგივე ტაქტიკა არ გაითვალისწინეს...
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...| Argentina | Central Bank of Argentina | Australia | Reserve Bank of Australia Australian Prudential Regulation Authority | Belgium | National Bank of Belgium | Brazil | Central Bank of Brazil | Canada | Bank of Canada Office of the Superintendent of Financial Institutions | China | People's Bank of China China Banking Regulatory Commission | European Union | European Central Bank European Central Bank Single Supervisory Mechanism | France | Bank of France Prudential Supervision and Resolution Authority | Germany | Deutsche Bundesbank Federal Financial Supervisory Authority (BaFin) | Hong Kong SAR | Hong Kong Monetary Authority | India | Reserve Bank of India | Indonesia | Bank Indonesia Indonesia Financial Services Authority | Italy | Bank of Italy | Japan | Bank of Japan Financial Services Agency | Korea | Bank of Korea Financial Supervisory Service | Luxembourg | Surveillance Commission for the Financial Sector | Mexico | Bank of Mexico Comisión Nacional Bancaria y de Valores | Netherlands | Netherlands Bank | Russia | Central Bank of the Russian Federation | Saudi Arabia | Saudi Arabian Monetary Agency | Singapore | Monetary Authority of Singapore | South Africa | South African Reserve Bank | Spain | Bank of Spain | Sweden | Sveriges Riksbank Finansinspektionen | Switzerland | Swiss National Bank Swiss Financial Market Supervisory Authority FINMA | Turkey | Central Bank of the Republic of Turkey Banking Regulation...
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...OPEN LETTER TO HIS EXCELLENCY THE PRESIDENT OF THE REPUBLIC OF SIERRA LEONE VOLUME XX FROM THE UINITED STATES Dear Mr. President: It has been a year since I started communicating with you through this medium and ironically Volume XX, the first year anniversary production, is being sent to you from the United States of America, at a time when our beloved Nation is in all aspects submerged and immersed in Ebola. I intend to objectively provide hope to the hopeless, in the current desperate system in which the Nation entrusted its health and safety to a government which has proved to be unworthy of the Nation’s trust. Just as when during the bloody senseless civil war, I was stationed in the United States and together with Sulaiman Tarawalie contributed with a political commentary, to the fight against the rebels, in giving hope to the hopeless, through a programmme,” Africa My Africa”, broadcast on Radio Democracy. At the end of the programme I signed off as the Voice of the Voiceless, a name of which I am very proud and more so since it has now been adopted by many others. I will bring the latest information on how it is being done in the United States and the American effort being made to help us in West Africa. For instance 3,000 American troops have been ordered into the fight in West Africa by President Obama, most of them medical professionals, not to provide security, but to be more involved in the medical intricacies of the fight. They are fully embedded in Liberia...
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...Timeline of Architecture in Texas BY: SM Early settlers brought to Texas their cultural values and traditions. These values and historical civilization features were reflected through the settlers’ survived architectural achievements. Texas architecture compromises diverse structures and legacy from the Spanish colonies to the European expenditures to the Anglo pioneers’ log cabins. The architecture of Texas through the centuries has indeed outlined the cultural history and gave the state a unique Texan identity. Texas architecture can be organized into six periods: Indian, Spanish colonial-Mexican, Republic-antebellum, Victorian, and Early twentieth century Modern [1]. The earliest Indian-Native American, nomadic or Indigenous people were divided to several tribes. The Coahuiltecan and Karankawan lived in the coast of south Texas and the Trans-Nueces, were not organized did not have permanent habitations. Jumanos and Patarabueyes lived in Trans Peco, built homes from mud and sticks. The Apaches and the Comanches, relied on hunting for survival. So their culture was based on moving very often to various places in Texas. They used tepees for shelters, easy to assemble or disassemble for transportation. The caddos lived In Northeast Texas, an agricultural people. They assembled round, thatched shelters, and mounds. Some of their shelters were about 50 feet in diameter. The Pueblo tribe used animal skin or fur and adobe to build their abodes. They made the adobes...
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...Proxy and the Saudis 14. Poppy’s Web 15. The Handoff 16. The Quacking Duck 17. Playing Hardball 18. Meet the Help 19. The Conversion 20. The Skeleton in W.’s Closet 21. Shock and . . . Oil? 22. Deflection for Reelection 23. Domestic Disturbance 24. Conclusion Afterword Author’s Note Acknowledgments Notes Foreword When a governor or any state official seeks elective national office, his (or her) reputation and what the country knows about the candidate’s background is initially determined by the work of local and regional media. Generally, those journalists do a competent job of reporting on the prospect’s record. In the case of Governor George W. Bush, Texas reporters had written numerous stories about his failed businesses in the oil patch, the dubious land grab and questionable funding behind a new stadium for Bush’s baseball team, the Texas Rangers, and his various political contradictions and hypocrisies while serving in Austin. I was one of those Texas journalists. I spent about a decade trying to find accurate information on Bush’s record in the Texas National Guard. My curiosity had been prompted by his failure to adequately answer a question I had asked him as a panelist in a televised debate with Ann Richards during the 1994 gubernatorial campaign. Eventually I published three books on Bush and his political consigliere, Karl Rove. During Bush’s presidency, many other...
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...Municipal Bond Market Development Edited and with an introduction by: Priscilla Phelps, Senior Finance Advisor, Research Triangle Institute November 1997 Environmental and Urban Programs Support Project Project No. 940-1008 Contract No. PCE-1008-I-00-6005-00 Contract Task Order No. 06 Conducted by Research Triangle Institute Sponsored by the United States Agency for International Development Office of Environment and Urban Programs (G/ENV/UP) COTR Sarah Wines Finance Working Papers Table of Contents Tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . v Figures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . v Part I: Municipal Bond Market Development in Developing Countries: The Experience of the U.S. Agency for International Development . . . . . . . . . . 1 Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 The Changing Situation of Local Governments and Their Financing Options . . . . . 4 Defining Municipal Financial Market Development . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Strategic Context for Municipal Bond Market Development at USAID . . . . . . . . . . . 8 Technical Summary of Municipal Bond Projects . . . . . . . . . . . . . . . . . . . . . . . . . . 10 USAID Experience...
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...Contents • 1 History o 1.1 Early history 1.1.1 Wright Amendment o 1.2 1980s–90s o 1.3 2000s 1.3.1 Repealing the Wright Amendment 1.3.2 2008–2009 o 1.4 2010s 1.4.1 AirTran Airways acquisition 1.4.2 2011–present • 2 Corporate identity o 2.1 Advertising • 3 Corporate affairs o 3.1 Headquarters o 3.2 Employment o 3.3 Impact on carriers o 3.4 Lobbying Texas rail • 4 Destinations o 4.1 Top served cities o 4.2 International service • 5 Airline partnerships o 5.1 Codeshare agreements • 6 Fleet o 6.1 Current fleet o 6.2 Fleet history o 6.3 Livery o 6.4 Special liveries • 7 Products and services o 7.1 Southwest experience o 7.2 In-flight entertainment o 7.3 Evolve interior • 8 Rapid Rewards • 9 Incidents and accidents • 10 Controversies • 11 See also • 12 References • 13 External links History Early history Southwest Airlines Boeing 737-200 wearing the original airline colors when landing at San Antonio in 1975 Southwest Airlines traces their roots to the March 16, 1967 incorporation of Air Southwest Co. by Rollin King and Herb Kelleher to provide service within the state of Texas.[2][3] Kelleher believed that by providing intrastate service within Texas, the airline could avoid federal regulation.[8] Three airlines (Braniff, Trans-Texas, and Continental Airlines) started legal action which was not resolved for three years. Air Southwest prevailed in 1970 when the Texas Supreme Court upheld Air Southwest’s right to fly within Texas.[9]...
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...ANTEBELLUM TEXAS. In the drama of Texas history the period of early statehood, from 1846 to 1861, appears largely as an interlude between two great adventures-the Republic of Texas and the Civil War.qqv These fifteen years did indeed lack the excitement and romance of the experiment in nationhood and the "Lost Cause" of the Confederacy. Events and developments during the period, however, were critical in shaping the Lone Star State as part of the antebellum South. By 1861 Texas was so like the other Southern states economically, socially, and politically that it joined them in secessionqv and war. Antebellum Texans cast their lot with the Old South and in the process gave their state an indelibly Southern heritage. When President Anson Jonesqv lowered the flag of the republic for the last time in February 1846, the framework for the development of Texas over the next fifteen years was already constructed. The great majority of the new state's approximately 100,000 white inhabitants were natives of the South, who, as they settled in the eastern timberlands and south central plains, had built a life as similar as possible to that experienced in their home states. Their economy, dependent on agriculture, was concentrated first on subsistence farming and herding and then on production of cotton as a cash crop. This meant the introduction of what southerners called their "Peculiar Institution"-slavery.qv In 1846 Texas had more than 30,000 black slaves and produced an even larger number...
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...1. ABOUT THE INDUSTRY STRUCTURE AND DEVELOPMENT Changing economics and business conditions, evolving consumer preferences, rapid technological innovation and adoption globalisation are driving corporation to transform the manner in which they operate. Companies are now focused on their core business objectives such as revenue growth, profitability and asset efficiency. There is an increasing need for highly skilled professionals in the market to help corporation transform their business, optimise operation and drive innovation by leveraging technology. However enterprises are reluctant to expand their internal it department and increase cost. These factors have led to increase cost. These factors have led to the increase reliance of corporation on their outsourcing providers and are expected to drive future growth for outsourced technology services. According to the global tech market outlook for 2012 and 2013, an independent report published by Forrester research Inc. in January 2012 and purchases if IT consulting, system integration services and IT outsourcing by global business and governments are essential to grow by 6.3% in calendar year 2012 when in US dollars. Corporations are increasingly turning to off shore services provider for higher quality, cost competitive technology solution. as a result , off shore service provider have become critical to the operations of many enterprises and they continue to grow in recognition and sophistication . In view of this, the...
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...severe and often fatal disease is also affecting thousands of innocent people across our world. Never has the medical community had to deal with such an outbreak. Not only do the medical professionals not know how to treat and handle afflicted patients, they are unable to contain this virus that is spreading at a violent speed. This report will discuss the following issues surrounding Ebola: Historical Occurences, Countries Currently Affected, How the Virus Spreads, Current Level of Infection, Response to the Crisis and Canada’s preparedness for a mass epidemic. Historical Occurrences of Ebola Ebola virus disease, or Ebola haemorrhagic fever first appeared in 1976, in Nzara, Sudan and Yambuku, Democratic Republic of Congo. The epidemic in the Democratic Republic of Congo was one of the deadliest outbreaks with 318 cases and a case fatality ratio of 88%. In that specific case, the disease was spread through close personal contact as well as the use of contaminated needles and syringes in hospitals. The disease then proceeded to spread to a village near the Ebola river, from...
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...South China Sea Oil Dispute International Business Law – BUL 6850 South China Sea Oil Dispute Introduction The South China Sea dispute is a territorial wrangle among certain Asian countries. The rivalry dates back to the Sino-Japanese War of 1894 (Roberts & Buszynski, 2015). The interest by these countries is the suspected oil potential of the region and fishing grounds. China claims the majority of the area covering hundreds of miles east and south of its southern province of Hainan. Other countries involved in the dispute include Taiwan, Vietnam, the Philippines, Malaysia, and Brunei, all part of the Association of Southeast Asian Nations (ASEAN) (See Appendix 1). The United States (U.S.) is an interested entity in the dispute based on the enormous number of commercial goods that pass through the sea each year (Dutton, 2014). This study will utilize the outcome of historical resolutions taken to resolve the dispute and analyze the conflict. Conducting a thorough analysis of this dispute is significant because it will set a good precedence for other existing global territorial disputes. In addition, finding a working solution for the dispute will benefit the ASEAN member countries through stability and other interested entities, such as the U.S., who rely on the South China Sea for trade. This paper will propose an International mediation alternative to the South China Sea oil dispute that will promote joint utilization of the natural resources within the territorial...
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...The Rise of Emerging Markets in Mergers and Acquisitions Developing countries are gaining strength and influence T he rise in the number of mergers over the past five years has been dramatic. Unlike previous merger waves, however, companies in emerging markets are playing an increasingly important role. Indeed, while the number of majority acquisitions increased globally by 6 percent, acquisitions of established companies by emerging firms grew at an annual rate of 26 percent. Although their motives differ from traditional M&A activity, it is clear that, in the near term, emerging competitors present a potential threat to companies in developed countries. Mergers and acquisitions have become a staple of newspaper headlines. Although most M&A activity is initiated by companies in the developed world, a recent A.T. Kearney study of global M&A reveals that a paradigm shift is occurring: Beginning in 2002, deals between developing and developed countries grew at an annual rate of 19 percent— far in excess of the industry average and four times faster than deals conducted within either developing or developed countries alone (see figure 1 on page 2). While not large in absolute terms, this rate of growth indicates how rapidly the developing world is catching up in the M&A business. In fact, the study found that companies from developing countries such as China, India, Malaysia, Russia, the United Arab Emirates and South Africa are snapping up established...
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...San Jose Pili National High School San Jose,Pili,Camarines Sur A Research paper in Fulfillment of the Requirements in English 10 Submitted to: JAEL P. OLAÑO Subject Teacher Submitted by: CHARISH JOY B. BAYOT 10-EINSTEIN March 2016 HISTORY OF VICES IN TEXAS The history of vice in the U.S. state of Texas has been an important part of the state's past and has greatly influenced its development. Vice activities, such as gambling and prostitution, have historically been a significant facet of both the state's culture and its economy. Law enforcement organizations have traditionally defined vice as including prostitution, gambling, alcohol and narcotics, and pornography. These activities, though always controversial, represented major influences in the state with some enterprises at times holding legendary status. The legal status of the individual activities has fluctuated substantially over time. Additionally during some periods individual communities and public officials have been accepting of many of these activities, even when they were illegal, because of corruption, because the activities were seen as inevitable, or often because the activities were economically important. Early Texas and the Republic of Texas Before the arrival of the European settlers in Texas, the plant peyote (peyotl in Nahuatl) had become a popular hallucinogenic among tribes in the Rio Grande Valley as well as parts of West Texas and Chihuahua. Tribes in the area included the Carrizo...
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...| | | | | | This article appears in the Nov. 14, 2003 issue of Executive Intelligence Review. Wal-Mart Is Not a Business, It's an Economic Diseaseby Richard Freeman and Arthur Ticknor(See also ``Wal-Mart Collapses U.S. Cities and Towns,'' Nov. 14, 2003; ``Wal-Mart Eats More Manufacturers, Jobs,'' Nov. 21, 2003; Wal-Mart Family Trust--The Real Beast of Bentonville, Ark., Jan. 23, 2004.)The Wal-Mart department store chain, which employs 1.3 million people at 4,700 stores worldwide, and in 2002 became the largest corporation in the world, is levelling economies of the U.S., industrial nations, and the Third World.Wal-Mart is a driving force behind the decadent Imperial Roman model of the United States. Unable any longer to reproduce its own population's existence through its own physical economy, the United States has, for the past two decades, used an over-valued dollar to suck in physical goods from around the globe for its survival. Wal-Mart is both the public face and working sinews of that policy. It brings in cheap pants from Bangladesh, cheap shirts from China, cheap food from Mexico, etc. Workers who produce these things are paid next to nothing.Not since the days of the British East India Company as the cornerstone of the British imperial system, has one single corporate entity been responsible for so much misery. At the core of its policy, Wal-Mart demands of its suppliers that they sell goods to Wal-Mart at such a low price, that they can only do so by outsourcing...
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