The, Capital One, And Bowsart

The, Capital One, And Bowsart
Hey guys, hope you're all enjoying your placements. They sound great! I mentioned last week that
the Network sent out a newsletter for artists to submit their artwork for three desired, upcoming
events: Bridgepoint, Capital One, and Bowsart. We extended the deadline because we were not
receiving enough submissions. Bridgepoint is only open to members of the Network, but Capital
One is open to artists and other non–members. Thus far, we have received much more submissions
for the Capital One event. Location is key. Capital One is set in a corporate building and can
generate more cliental. My task was to transfer each artists' submission from the website into a
document for the board. An artist can submit up to three images for each event. For example, only 8
pieces of artwork are selected by a jury to be showcased at Bridgepoint and CapitalOne. I went
through each submission, uploaded each of their images, and inserted a description for the artwork,
which included, the artists name, title of the piece, size by inch, and the medium. I then imported
this information into an excel spreadsheet for our records to note payment and membership
information. I viewed a range of fascinating artwork ranging from oil paintings, watercolour, acrylic
on canvas, sculpted canvas, photography etc. Later on, an artist came by to the office because she
required assistance submitting her artwork online. My LSS was happy to help take photographs of
her paintings. I edited the pictures
... Get more on HelpWriting.net ...

The Importance Of Natural Capital On Human Capital
Natural capital is interconnected with human capital in that human capital depends upon natural
capital for survival. Human capital relies on clean air, groundwater, surface water, food, soil for
crops, minerals from the soil, crops themselves, fuels, fibers, materials to build with, ocean fisheries,
climate control and regulation, and so much more. Many of the goods and services provided to
humans by natural capital go unnoticed and as a result, natural capital is taken for granted.
Additionally, natural capital also depends upon human capital for survival. Natural capital relies on
human knowledge, skills, experience, education, and capabilities so that it is enhanced and not
destroyed. For instance, rural Dewitt farmers use the soil to plant crops such as corn, beans, and
wheat. They also use the land for baling hay. When there is a drought, the farmers rely on
groundwater that natural capital provides to water their crops. An inexperienced farmer may do the
same crop year after year. Whereas an experienced farmer knows that to keep the soil full of
nutrients and prevent soil erosion, they must rotate the crop from corn to beans and vice versa, as
different crops provide different nutrients to the soil. The education and experience that a farmer has
about the land and its use, could be the difference of natural capital being enhanced or destroyed.
Natural capital depends on social capital for resource productivity and sustainability. Social
awareness and lifestyles that

Selecting The Appropriate Kind Of Finance For A New Venture
Figure 4: Selecting the Appropriate Sort of Finance for a New Venture Source: Paul Burns, 2014
3.4 Human Capital
It is universally accepted that human capital is of vital importance in any discipline of business.
Knowledge and experience can be an invaluable source of business idea and they relate to the
knowledge motives for internationalization. Education and training can alert people to the problems
and deliver the skills to overcome those (Paul Burns, 2014). That is why the founder of Lush
recommend that entrepreneurs should constantly reading business books and meeting people (Mark
Constantine, 2009).
Actually, human capital is related to financial capital in the means that education and track record
increase the credibility with financial backers. Based on my personal experience, investing in human
capital will help new ventures to avoid many real foreseeable business problems.
3.5 Social Capital
Social capital is the ability to get on with people. It is built on relationships with customers,
employees and suppliers and this is the core of entrepreneurial approach to doing business (Paul
Burns, 2014). Also, it is the personal touch that distinguishes entrepreneurs from managers of large
firms. Networks can, therefore, yield up partners or methods of bootstrapping resources. It is
connected to the previous social ties driver for internationalization.
In order to face the challenges of internationalization, entrepreneurs should develop the capability to
manage the

Key Differentiation Factors Of Capital One And Other Mass...
Page Break What distinguishes Capital One from the many other companies that use and exploit
information in their interactions with customers? How is this strategy different from other mass
customisation strategies?
Key differentiation factors of Capital One in terms of using and exploiting information
Capital One's information–based strategy (IBS) was more attractive as the company became
synonymous with mass customization and the Information Revolution
Capital One use information system to assess the credit risks of customers while other companies
rely on personal experience and judgments
Capital One tries to produce customized products for customer segment while other banks use "one
size fit all" policy
The founders of Capital ... Show more content on Helpwriting.net ...
Why:
1. Trusted data source – Do not use FICO scores, run own tests–refer to graph
2. Information technology – independent IT support, largest Oracle database
3. Organization structure – less hierarchy levels. Suitable for cross–functional operation.
What are the consequences of an information–based strategy for expansion into different segments
of the credit card industry and into other industries?
Information–based strategy (IBS) allowed Capital One to achieved competitive advantages in credit
card industry. And it is mainly relied on information and data gathered. The following discussed the
consequences for expansion into different segments of the credit card industry.
Three customer groups
As what the other credit card companies do, Capital One also categorized their customers into 3
groups (prime, super–prime and sub–prime) for better collecting the information and data and
building statistical models. The cardholders are categorized by using a system called "horizontal
accounting". The company is then able to provide the products and services that matching the
specific customer profile. However, it may be considered that the risk for customers

Section One Capital Project
Section 1 Capitol Project
Deborah Kirk
University of Phoenix
HCS 517
Debra Vaughn
April 25, 2016
Many healthcare organizations set goals and objections and write mission statements that reflect the
way they want the public to see how healthcare is provided. This is done to guide how their
healthcare providers practice daily. In order to meet these goals and objects it is necessary to have in
place processes and procedures to ensure the results will be what is expected which is a positive
patient experience and outcome. In order for our organization to reach this goal there is a coaching
and execution package that will provide step–by–step processes and procedures to ensure that
everyone is doing the same thing at the same time ... Show more content on Helpwriting.net ...
® This coaching and execution package will start by teaching the meaning of the principles. The
Nine Principles™ of service and organizational excellence instills what everyone within and
associated with the medical center believe to be the best experience possible. The first principle is to
commit to Excellence. Any type of change within an organization requires buy–in from all staff
starting at the top of the executive chain. The second principle is to measure the important things.
This would be measurement of what the strategic goals have set in place and allows the medical
center to keep up with the progress on a monthly basis rather than quarterly. The third principle is to
build a culture around service. In order to increase patient or in this case veteran satisfaction all
employees will need to learn the process that has been tested and laid out by the Studer Group®.
The process teaches that the process should be the norm and it should become "hardwired into the
organization's process." This will require the medical center to put in place scripting for how to
communicate. The scripting of behaviors, establishment of teams, teaching service recovery, and the
development of performance standards will also enable to medical center to perform excellent care.
The fourth principle is to create and develop leaders. The Studer Group® places great emphasis on
developing leaders. So much so that they will provide instructional training to the

Long Term Investment Decisions
Long–Term Investment Decisions (Course title)
(Date)
Introduction Long term capital decisions involve choosing how to finance long term projects. For a
movie rental company, such decisions would include opening new shops in new markets or buying
new machinery that would improve the firm's technology. Before making such decisions, a firm has
to do an analysis of the returns that the new project would bring against the cost outlay of the
project. There are several ways of doing such an analysis. They include the payback period, net
present value, internal rate of return among others. The main aim of conducting this analysis is to
determine whether the expected returns meet a certain predetermined benchmark, usually higher
than the risk ... Show more content on Helpwriting.net ...
One of the greatest advantages of forming a major is that blockbuster would enjoy the economies of
scale as a result of operating as a larger company. Economies of scale occur as a result of reduction
of average costs as a result of increased output. In addition, the merger can help blockbuster achieve
diversification. For example, blockbuster can merge with firms that provide a different service from
what it offers. By doing so, block buster will obtain access to knowledge and expertise that may help
the firm gain competitive advantage. However, the advantages of forming a merger depend on a
number of factors. Specifically, the success of a merger depend on the scope of economies scale
created, effects on monopoly power, and the effects on cost. However, due to the threats,
blockbuster chooses to pursue its expansion plan by capital investment. Capital projects are long
term investments that are made to build on, or improve a capital intensive project. A project that is
capital intensive requires the input of considerable amounts of capital especially financial and labor
to start and run. They also require a lot of planning and resources. There are a number of ways that a
firm can finance capital projects. Before determining the best way to finance capital projects, a firm
should seek to determine the costs, the viability of the investment and the stream of returns from the
investment.
Despite the advantages of forming a merger, there are a lot of

How Globalization And Technology Changes Have Impacted The...
1. Assess how globalization and technology changes have impacted the corporation you researched.
Nike, Inc., is one of the leading designer's, marketer and distributor of athletic footwear, apparel,
equipment and accessories for a variety of sports and fitness activities. The company's headquarters
is near Beaverton, Oregon founded by Bill Bowerman and Phil Knight, who set out to reinvent
athletic footwear. They wanted to improve upon one pair of running shoes called Onitsuka Tiger.
Nike were more than distributors; they joined forces to design ideas and create better footwear
(Vogel & Garcia, 2012). The beginning of Nike's innovation stirred up a creative vision for a
company with more than globalization and technology. The company decided to embed
sustainability with finance and product teams taking a greater role in the development process.
Later, labor practices in factories were emplaced so that potential vulnerabilities from outside
competition is detected. The business reorganized to align more closely with the consumer's ideas.
This lead to the Code of Conduct becoming an important part of the innovations and technology
Nike would use to cross international borders. While the corporate responsibility committee was
formed to manage the supply chain and operational guidelines. The committee set long–term
environmental goals, and jointly published the findings of worker surveys with the Global Alliance
(Vogel & Garcia, 2012).
Nike's journey was to maintain the

History Of Capital One Financial Corporation
I also chose Capital One Financial Corporation. I chose this because i use this bank myself and
wanted to learn more about it as it seemed to be very successful and a possible good investment.
Capital One's (COF) history is shorter than different banks. It was founded in 1994. This was when
Signet Financial Corp. branched its credit card business into a different section named Capital One.
The new corporation was led by Richard Fairbank. Capital One was a monoline credit card
organization in the mid 1990s. Capital One constructed a solid credit card business. This procedure
paid off but if the credit card business were to decline it would mean disaster for them. Capital One
expanded into retail banking in the late 1990s and mid 2000s. It ... Show more content on
Helpwriting.net ...
I chose this mainly because similar to Abbott laboratories they have a very long history, they were
founded in 1923. It was founded by Merrit J. Osborn. Early on they had some problems but because
of an infusion by investors they managed to produce their first successful product Soilax. By 1928
they entered the equipment business for dispensing their Soilax into dishwashing machines. In 1933
they nearly failed again but because of employees taking a pay cut and giving up a month's salary
they were saved. But then they were confronted with a new problem when Calgon Corporation
made a better dishwashing detergent called Calgonite in 1934. But they convinced the Calgon
corporation to allow them to be the sole distributer of Calgonite and then when Calgon stopped
producing it they ripped them off and made super soilax. They were sued but Calgon lost so
everything was fine. In 1948 they introduce their first dishwasher rinse additive. In 1957 the
company goes public. In 1961 they purchase Klenzade Products, Inc. In 1964 they purchase Magnus
Chemical Company Inc. In 1978 Fred T. Lanners, Jr., becomes the first non–Osborn to head the
company. In 1979 they buy Apollo Technologies, Inc. In 1983 Apollo is shut down. In 1987
Company sells its consumer products division and purchases lawncare servicer ChemLawn for $376
million. In 1992 ChemLawn is sold to Service Master L.P. for $103 million. In 1994 Kay Chemical
Company, maker of cleaning and sanitizing products for the fast–food industry, is bought. In 1997
they buy Australia–based Gibson Chemical Industries Limited for $130 million; they enter the
commercial car wash cleaning products sector. In 1998 GCS Service, Inc., provider of repair
services for commercial kitchen equipment, is

Australi An Australian Resident
According to S. (6) of ITAA 1936, an Australian resident is a person who resides in Australia and
whose home or domicile is in Australia, or a person who has been in Australia continuously or from
time to time for more than one half of the income year, unless of course the person can prove that
their usual place of abode is situated outside of Australia and the person does not have any intension
of taking up residence in Australia. The cases like Levene vs. IRC and Lysaght vs. IRC suggest that
there are many other factors to be considered while determining a person's residency rather than just
seeing the duration of a person's stay in Australia. Such factors include the purpose of a person to
visit Australia, the individual's behavior ... Show more content on Helpwriting.net ...
Section 8–1 provides a deduction when assessable income is produced with the help of borrowed
funds or when a business is carried on with these funds.
In Steele's case 1999, High court considered that the interest is deductible before the commencement
of income generating activities.
In this case, the interest of Carl and Jill is not private or domestic in nature. The purpose of incurring
the income for both of them is only one.
Hence, Carl and Jill are carrying on a business for generating income so they are allowed certain
deductions under Section 8–1.
2.) Issue: Which method will be applied; cash or accrual basis of accounting if Carl and Jill are
carrying on a business for taxation law purpose.
Law and application: The decision of choosing the most appropriate method i.e. cash or accrual
depends upon the circumstances of the entity/business as well as its relative income. The case
clearly says that Carl and Jill are carrying on a trading business. The accrual method of accounting
is considered to be the most appropriate method of accounting for income earned from trading
activities. Carl and Jill are into the business of buying and selling of gardening tools which is trading
and should therefore account for income under the accrual method. Moreover the facts of this case
appear to be close to the facts in the case of J.Rowe V FCT.
Conclusion:Thus, accrual method of accounting will be the most appropriate for Carl and Jill's
business.
Case Study 2

Terrorism Is Defined As The Calculated Use Of Violence...
Terrorism is defined as the calculated use of violence against civilians in order to attain goals that
are political or religious or ideological in nature. "History shows, furthermore, that terrorism was by
no means the exclusive domain of the revolutionary left and that it had been exercised at least as
often by the extreme right fascist, or proto–fascist movements" (Laqueur 10). Terrorism dates back
as far as we can remember, but it has been so spread throughout history and not always active that
the idea was frequently ignored. As it pops up again and again throughout history people have a,
"tendency to regard it as a new phenomenon" (Laqueur 7), because it would be so inactive for long
periods of time. The Taliban rose up from Mujahedeen groups that came from villages in southern
Qandahar and refugee camps in Pakistan. "Hit operations, military ambushes, bombings, secret
kidnappings, and terrorism became a routine part of some Mujahedeen groups" (Nojumi 26). These
tactics eventually led to the Taliban taking control of the Afghan government. The political rise of
the Taliban was regarded as a phenomenon. While in control the Taliban created a Transit Treaty
between Pakistan and Afghanistan. Under this treaty an illegal smuggling network was established.
This illegal network created an artificial system that could never establish a stable national
economy. "The poor economic condition of the country and the unstable economic condition would
cause further political

Capital One
Capital One Financial Corporation
1. How is Capital One's use of IT different from other mass customization strategies? Capital One
uses IT through its information–based strategy (IBS) to "record, organize, and analyze data on the
characteristics and behaviors of their customers," as stated by CEO Richard Fairbank. Their
philosophy was to exploit information by constructing scientific models that could be used to both
assess the creditworthiness of potential cardholders through FICO scoring, and to customize product
offerings for existing ones. This was done through data mining, sorting, customizing offers and
marketing campaigns, and then analyzing this data to see what campaigns worked – for what reason
and what ... Show more content on Helpwriting.net ...
Behavioral interviews, case interviews, and standardized tests were used to find raw talent without
focusing on prior industry or marketing experience. These four things are what separates Capital
One from its competition, and will sustain their competitive advantage in the future.
3. What are the consequences of Capital One's IT strategy for expansion into different segments of
the credit card industry, and into other industry's? The immediate consequences of their expansion
strategy proved the efficiency of their statistical modeling to inhibit Capital One from taking any
missteps into industry's that are either saturated or do not allow enough growth in the future. Capital
One considered expanding into auto insurance and auto financing, but fierce competition, low
margins, and stringent regulation kept them from pursuing this immediately. (Capital One did
recently acquire Summit Acceptance Corporation – an auto financing company that focused on the
sub–prime market). Next they looked at the energy and telecom industries, but consumer energy
usage patterns are available publicly which kept them from exploring this option further. America
One was created which resold blocks of calling time enabling Capital One to gain a foothold in
telecom. An ancillary effect of Capital One looking to broaden its horizons into other industries will
promote other companies to review their current IT systems to see where their inefficiencies lie, so
they can

Capital One Financial Corp: Setting and Shaping Strategy...
Capital One Financial Corp:
Setting and Shaping Strategy
Strategy
Capital One Financial Corp's strategy is to develop and market products and services to satisfy the
demands of a competitive and ever–changing marketplace by utilizing information technology for
mass customization which will deliver the right product to the right customer at the right time and at
the right price.
Such a strategy requires the employment of talented people and a flexible culture promoting
innovation to help identify, develop and market products and services. Capital One's information–
based strategy, or IBS, serves as the strategy to improve operations in every aspect of the company.
IBS technology enables Capital One to provide more valuable ... Show more content on
Helpwriting.net ...
Departments were encouraged to work closely with each other, which promoted information
sharing. This loose coupling benefited Capital One's explorative initiatives in finding completely
novel ways of doing things, rather than doing the same things better than the competition. Capital
One's IBS capabilities aligned with its internal functions enabled it to differentiate its credit card
product offering from the existing competitors. In so doing, it attracted the lowest risk applicants
creating a completely new super–prime market segment.
Due to the explosive success of the credit card divisions, it would be very easy to support the
Summit Acceptance Corporation initiative. The IBS capability was easily applied to the credit
sector, and one would deduce that this competitive advantage would be successful in other credit–
based markets. Even though Capital One was in a position to easily leverage its existing IBS
capabilities into products not previously considered, it would be difficult to support the America
One initiative. There was a lack of synergy with Capital One's existing operations, and the
telecommunication market was a drastically different industry.
Alternatives
Even though Capital One experienced rapid growth and success in the credit industry due to its
superior IBS capabilities, it is clear that the company's strategy is lacking exploitive competencies.
Systems

Capital One Case Study
Case questions 1. What is their business strategy to grow profitably and compete over the long term?
* Get customer data from whatever sources are available, loading it onto our systems and analyzing
it * Put together products that will appeal to different types of people, by testing whether hypotheses
are right, looking at the result of these tests, modifying the hypotheses and testing again, and so on *
It is all centered around understanding and analyzing information * Capital One can address a much
wider group of potential credit card customers, offering credit facilities to individuals who
traditional card companies regard as high risk * To do so, it Aggregates as much data as possible on
customers – from ... Show more content on Helpwriting.net ...
* I think these investments are justified because the information technologies/systems that used in
Capital One is obviously useful for its success and other company can use its strategy as a

Drama GCSE Unit One Theme: Capital Punishment Essay
Guilt:
For the first performance, the stimulus was the word 'guilt'. I had to enact one of three people in a
line–up and reiterate the sentence 'relax, it'll be over soon.' Our story line consisted of a line–up with
3 suspects; one being guilty of sexual assault. This associates to the stimulus as only one character
involved was guilty, but because of the circumstances, us as the other characters also looked guilty,
it was the audience's task to then deduce that Kyle was actually culpable of the crime.
As one of the suspects, I had to appear intimidating so I frowned and stared forebodingly at the
audience. When I repeated the sentence, I declared it forcefully and rudely to also suggest that I was
angry. In terms of body language, I had ... Show more content on Helpwriting.net ...
The space we included then almost contrasted this idea of power and superiority as Stephen's
distance reinforced the idea of vulnerability, exposing his fear and apprehension of being near the
criminals.
We also used a climax in our performance to build up the tension for the audience. Stephen asked
each of us one–by–one to step forward and repeat the line, as he prolonged his answer as to who he
believed to be the guilty suspect. This conclusively built up the tension for the audience as with the
aforementioned use of dramatic irony, they already knew who it was and subsequently had to wait in
anticipation to see if Stephen would select the correct person.
I believe our performance related to the chosen theme because it showed characters who felt guilty
just purely under circumstance, a character that was genuinely guilty of the crime and those that
didn't feel guilty at all.
Intonation:
Intonation is the level of stress you place on certain words which ultimately effect/ change the
meaning of what is being said.
The stimulus for this performance was the phrase 'Let him have it'. I had to say the phrase three
times; each of which consisting of a different meaning. Our performance contained three different
story–lines, all comprising the phrase 'let him have it' with an altered meaning. The first time
entailed two children playing a video game, and shouting the

Integrated Reporting And Its Impact On International...
Integrated Reporting
Introduction
Integrated reporting is a new method to focus on various aspects of an organizing and can be rapidly
gained international recognition. In this paper, I will focus on its definition, function, effect,
valuation and framework.
A. Definition and Explanation
According to the International Integrated Reporting Council (IIRC), the Integrated reporting () is
defined as "is a process founded on integrated thinking that results in a periodic integrated report by
an organization about value creation over time and related communications regarding aspects of
value creation. An integrated report is a concise communication about how an organization's
strategy, governance, performance and prospects, in the context of its external environment, lead to
the creation of value in the short, medium and long term." (Integratedreporting n.d.)
The primary requirement of integrated reporting is treat value as beyond financial terms – a non–
current overdue development offer that approximates 80% of organization is typically in intangible
assets. Unlikely methods of long term success that connecting firm relationships with stakeholders,
building a base of loyal customers and dealing with environmental risk, etc., integrated reporting
keeps analyzing non–current strategy and predicting documents, including strategy, the environment
in which it would deliver and how the organization has and will. The International Integrated
Reporting Framework acknowledges that

Capital One Corporate Structure
Capital One is a banking company that is focused on credit cards and consumer loans. The company
also has some minor international operations in Canada and the UK, primarily in the credit card
business. The company breaks down its business as follows. Credit cards are the major source of
income, accounting for $10.4 billion in revenue, or 64% of the total revenue for the company.
Consumer banking accounts for 31% of the revenue, commercial banking a further 10% of the
revenue, and the company has negative revenue on "other" businesses. The credit card business is
the most profitable, generating $2.277 billion in profit, or 70% of the company's total net income.
Consumer banking accounted for 25% of total net income, while commercial banking accounted for
16% of total net income.
The company has recently made moves to build its retail banking business and its credit card
business. In 2012, Capital One completed the purchase of ING Direct USA, a deal that added $80
billion in deposits to the company's balance sheet. It then added HSBC's US credit card business.
This move added $28 billion worth of credit card assets to the company's portfolio. These
acquisitions were substantial in nature – $9 billion for ING and $31.3 billion for HSBC (No author,
2012). They indicate that the primary focus for growth at Capital One is to build on its core
businesses. Such expansion of its two largest businesses indicates that Capital One is more
interested in focus there than in expanding

Capital One Reflection
During my tenure at Capital One, I have been consistently appreciated for my 3 key strengths:
leadership, problem–solving and ability to navigate & influence the broader organization. Through
the years, I have shown steady professional growth pushing myself to learn new skills and take on
broader responsibilities. Earlier this year, I was promoted to a Sr. Manager role with the scope to
manage DA support for all of Partnerships Vertical M&A organization. In my limited span as Sr.
Manager, I have taken initiative to set strategic direction for my team with a focus towards
innovation. I have been an advocate of our company's ethos to dream, disrupt, & deliver innovative
products. I played a small role in stimulating innovation within Decision

The Field Of Strategic Human Capital
In order for an organization to be most effect they have to look internally at their organizational
behavior and assess what is most important to them and creates a culture surrounded by the value
and beliefs of the leadership employees and customers. In order to better do that one must look at
the importance of its employees and how they feel about the company directly affects the
productivity and performance therefore becoming human capital. In addition to including the
employees into decision making regarding events that affect them and the company. Furthermore,
the structure of the culture set by management dictates directly the success of implementing the
values the company and its employees hold. At time organizations find they fall of the path of
direction in which they want to set the culture so changes have to be made throughout the
organization in order to improve and restructure to meet the new values of the company.
Robert E. Ployhart says it best when stated in (PLOYHART, R. E. 2015) the field of strategic human
capital and the field of organizational behavior need each other, they just don't know it. To better
emphasis in order to optimize the competitive advantage for organizations that comes from human
capital organizations have to enhance their employees attitudes towards the company and create a
culture that best fits the organizational goals. A company's human capital asset is the collective sum
of the attributes, life experience, knowledge,

In consumer lending, every product is evolving in the same direction as credit cards–toward large,
national–scale consolidators replacing local, face–to–face lending. That evolution has happened in
credit cards. It 's well under way in auto finance, mortgages, and home equity. Its coming more
slowly in installment lending. So consumer lending, a major part of the asset side of banking, is all
flowing toward national consolidators like Capital One. –RICHARD D. FAIRBANK,
CEO AND CHAIRMAN, CAPITAL ONE FINANCIAL CORPORATION '
United Kingdom, the Hfs Group, to strengthen its Global Financial services (GFS) subsidiary in the
British market. As of April 2005, it possessed sufficient liquidity ($21 billion) and capital ($9.2
billion)4 to ... Show more content on Helpwriting.net ...
© 2005, ICFAI Business School Case Development Centre. No part of this publication may be
copied, stored, transmitted, reproduced, or © distributed in any form or medium whatsoever without
the permission of the copyright owner.
Between 1994 and 2004, the company grew at an annual compound rate of 29 percent/ both in
terms of its EPS and the number of customers. In 2004, its earnings were $1.5 billion, and the EPS
was at $6.21.8 At the end of 2004, the company and its subsidiaries held 48.6 million accounts and
$79.9 billion9 in managed loans outstanding, which grew by 12 percent ($8.6 billion) over the
previous year (see Exhibit 1). It had 17,760 employees in March 2005. The bank offers
7,00010variations of its MasterCard and Visa cards, each one is customized to appeal to different
customer preferences and needs by combining product features such as different backgrounds and
colors, along with varied annual percentage rates, credit limits, fees, and rewards programs. Capital
One 's pricing strategy is based on the risk level of its customers. It offers platinum and gold cards to
its preferred customers with excellent credit history and a wide range of secured and unsecured
cards to customers with limited or poor credit history. The company also provides a range of
consumer products like auto finanCing, mortgage services, credit insurance, and home–equity loans.
Customizations of credit cards at Capital One are made with the support of its

Origin Of Successful Enterprises Can Be Observed Among...
Q5: What kinds of successful enterprises can be observed among China–born immigrants in the
GTA, and how can these enterprises be described? The types of effective businesses in the study that
could be observed among China–born immigrants in the GTA were skilled, specialized or useful and
functional personal or home related services and businesses. For instances, the practical and skillful
of HAC home services, real estate brokerage, fast printing of Chinese business cards and fast food
advertisings, accounting consulting, dating services, immigration consulting, Chinese supermarket,
and hair salon. These businesses or services in the study were realistic, workable and valuable to
most homes and households or personal applications in GTA. Implication of this finding was that
most of these first generation China–born entrepreneur immigrants' enterprises were small family
business or personal skilled trades. They focused on practical and useful home or household and
personal businesses which were tied to the challenges of raising funds for startup. These China–born
immigrants were new and first generation immigrants in Canada, and they had no families, relatives
or networks in GTA (Guo, 2013; P. Li & Li, 2013). As the first generation immigrant entrepreneurs
with limited networks and resource, China–born immigrant entrepreneur raised their capital for
startup merely from their personal savings or family loans (Azmat, 2013; Guo, 2013). The study
findings were consistent

Capital One Organizational Structure Essay
EXERCISE 1: Organization Operating Model and
Enterprise Architecture Maturity
Organization: Capital One (Financial–Education–Challenge Corporation)
Capital One Financial Corporation is an American bank holding company specializing in credit
cards, home loans, auto loans, banking and savings products.
CapitalOne was founded in 1988, 29 years ago and it is the eighth–largest company in the United
states. It's primary business deals with retail banking, Credit cards, Loans, Savings. Unlike other
diversified financial services firms, Capital One began as a "monoline", meaning the vast majority
of its business was in consumer lending, particularly credit cards. While many other monolines were
acquired by larger, diverse banks. Capital One expanded ... Show more content on Helpwriting.net
...
Today most of the companies work on stage 2.Stage 2 provides technology standards, application
consolidation, cost effective, reliable, reduce risk; while stage 1 has no application standards, lots of
legacy systems, short–term solution, poor server utilization.
Capital one closely monitor valuation measures to limit downside risk.
Capital one actively manage tactical allocation policy, their stock selection process emphasizes
intrinsic value, innovation, and durable competitive advantages.
Loss avoidance is a key to long term investment success. Capital One seeded certain risks profitable,
to be exploited with sound research, while other risks are inherently unprofitable and should be
avoided.
Capital One has shifted all emerging reports to one reporting problem, which makes them to
effectively manageable, standardize and manageable.
In most of the companies, the Enterprise Architects work along with the CIO to make and enforce
platform decisions.
Though standardization is good , but it has some cons. Also. Business would have to work with the
acceptable technology standards as seeded functionality may not always work to sustain the
business

Capital One 's Marketing Strategy
Capital One has a long history of creating long standing relationships with their customers. They
have achieved this through a complex marketing strategy, This strategy has propelled them forward,
allowing for them to conquer feats unlike any other companies. Although this strategy has faced
both its ups and downs, meaning it has undergone a multitude of changes throughout the years.
Capital One's marketing strategy has created both successes and failures, but with it's growing
nature will continue to strive for excellence, as shown from previous accounts.
Richard Fairbank and Nigel Morris, both diligent entrepreneurs, started laying the bricks for their
eventual successful company, Capital One, in the late 1980's. They both worked in the Virginia–
based "Signet Bank". Fairbank started noticing trends in the financial industry that he felt Signet
was missing out on. These opportunities were in the credit card industry. He, as well as all of Signet
Bank knew that the credit card industry was very risky, but Fairbank was ready to take a chance in
this, what can be, highly profitable field.
Signet Bank almost had to cut the credit card venture do to losses in profit from some real estate
problems during the first couple years of the credit card launch, but being the idea champions they
were, Fairbank, along with his partner Morris, both put their heads together and saved the day for
Signet Bank. They made their credit card more personal and gave out highly competitive

Capital One Personal Statement
I understand Capital One is seeking motivated interns with strong leadership, problem–solving, and
communication skills. As a highly involved engineering student, I would be a perfect candidate. I
am currently studying petroleum engineering with a minor in finance and have become very
interested the use of quantitative analysis to make business decisions.
My education and work experience have been great preparation for a career in this field.
Engineering, by nature, requires strong analytical and problem solving skills. Even outside the
classroom, I have learned to look at a situation and break it down systematically. Sometimes when a
direct solution is not possible, an optimal alternative or repurpose is appropriate. For example, I
worked

The Established Rules For The Doric And Corinthian Orders...
In Book 4, Vitruvius writes on the established rules for the Doric and Corinthian orders, and
explains the differences and peculiarities.
Chapter I: The Origins of the Three Orders, and the Proportions of the Corinthian Capital
In chapter 1, Vitruvius writes of the proportions of the Ionic, Doric, and Corinthian columns and the
similarities and differences. The three architectural order by its capital are Doric, Ionic, and
Corinthian. Corinthian columns, apart from in their capitals that has the same proportions as in the
Ionic order, but the height of the capitals taller than the Ionic capitals that give it a slimmer
appearance. In Corinthian style two thirds are added capitals, that gives a slender appearance to the
length of the columns. Corinthian columns are composed either of the Doric proportions or uses the
Ionic, and the Corinthian order does not have any peculiar arrangement for its cornices or other
ornaments. The Corinthian order may be arranged with a frieze decorated with sculptures that is
accompanied with dentils and coronae. The Corinthian order may include mutules in the coronae
and guttae with the architraves as the triglyph system of the Doric style or as the Ionic style.
Doric was the first to have rules for their symmetry to tolerate large sums of weight, and also to a
satisfactory appearance of beauty. They measured a man 's foot and compared this with his height,
finding that the foot was one sixth of the height, and they applied the same principle

The Case Interview What is a case interview? The Case Interview What specific skills does it
assess? How to prepare for a case interview? An interactive example. What is a "Case Interview"
anyway? The Case Interview Simulation of a business problem. Similar to what our associates
encounter every day. Series of open–ended questions. They're designed to stimulate your
conceptual, quantitative, analytical and – most importantly – creative abilities. The Case Interview
There are several types of cases. Each is designed to assess different skills. Classic Case The Case
Interview Should an organization add capacity? How should an organization react to a new
competitor? Should an organization enter/exit a ... Show more content on Helpwriting.net ...
The Case Interview How many subscriptions do we need to sell to break even? Profit (contribution
margin) = £25 per subscription Magazine content development = £1 million per year Breakeven =
£1 million/£25 = 40,000 subscriptions Given you need 40,000 subscriptions to breakeven, do you
move forward? What about marketing costs? The Case Interview Your company has expertise in
direct mail solicitation so you decide to use that method to market your new magazine. Each piece
of mail costs £0.50. You are able to achieve a 2% response rate. How much does it cost you to sign
up a subscriber? Cost per subscriber calculation The Case Interview Cost of mailing/response rate
= Cost to sign up one subscriber £0.50/2% = £25 per subscriber Another way to calculate cost per
subscriber: Assume you mail offer to 100 people Costs = £50 (£0.50 x 100 people) Responders = 2
(2% of 100) Cost per responder = £50/2 or £25 How will this affect your breakeven calculation?
New break even calculation The Case Interview Old contribution margin Marketing costs New
contribution margin New contribution margin = £25 – £25 = £0 Ouch! What can we do to make this
venture better? Some possible considerations: The

Sierra Leone Civil War Research Paper
The Effect of Civil War on the economic developmental of Sierra Leone
Sierra Leone, a country that lies on the west coast of Africa, faced a gruesome war that occurred
from 1991 to 2002. The civil war generated consequences that the people of Sierra Leone and its
economy are paying for. Sierra Leone's economic development and progress after the post–civil war
became an interest to me because Sierra Leone is where my family originated from. I personally can
relate to the war and the consequences it brought upon my family because I was born outside of
Sierra Leone during the time of the civil war. The civil war that transpired resulted in the
displacement and relocation of my family. As a result, we were relocated to the United States in
2001. Because of my personal interest in the Sierra Leone conflict, I would like to investigate the
aftermath of the war on the economy and the people.
Background History : The decade long civil war in Sierra Leone was ignited by its diamond
resources. The diamonds that were native to this land ... Show more content on Helpwriting.net ...
In Besteman's ethnographies, South Africa face the challenges of transforming its self after dealing
with apartheid. In reality , I had expected more data on the post–war Sierra Leone , only because it
has been a decade since the conflict ended. I believe that my frustration stems from me being
originated from Sierra Leone. I would love for this country to pick up in terms of macroeconomics
and microeconomics. But I now understand how detrimental civil wars are. My study shows one of
the few concept discussed in class of African. It represents the most common problem the majority
of African countries are facing , which is their corrupt government. The development for majority of
African countries would be more of a constant growth if the government systems were firm and

Capital One Diversification Strategy
For the threat of new entrants, the financial market in United States is fiercely competitive. The
threat of new entrants is not serious for some companies that have been famous for a long time.
Capita One continued to seek technological innovation and adopt the diversification strategy, they
stick to running business including credit cards, auto loans, family loans, savings, personal credit,
insurance and so on. According to the data on MBAlib website, by the end of 2017, the credit card
loan balance of Capital One was 97 billion 100 million dollars, which is the third place in the U.S
credit card market. The companies in the first and second is 141 billion 800 million of Morgan and
133 billion 300 million of Citigroup. The revenue of credit card accounts for 62.8% of the total
revenue. ... Show more content on Helpwriting.net ...
and have great competitive advantages (118). So, it is very hard for new financial institutes to be
threatening in the financial market. The success of Capital One will not be threatened by the rise of
new companies due to their diversification strategy. Even if an industry is threatened, the other
businesses of Capital One can still get profits. For U.S. bank, they do not need to worry about threat
of new entrants. They have many loyal customers who already found suitable products and they
have good faith records in U.S. bank. Even if new companies try to give up a certain amount of
profits to give a more attractive interest to customers, we believe most customers will still choose a
safer and more reliable bank and stay with U.S.

Capital One Case Study Essay
Read the Capital One Case materials. 1. What is Capital One's business and who are their
competitors?
Capital One's business deals with a bank financial servicing company. They specialize specifically
in banking, credit cards, home loans, auto loans and savings products. Capital One was founded by
Richard Fairbank and Nigel Morris in 1988. Fairbank highly focused on the marketing and
customization of credit card use and information. The company is very analytical and is very
technological when gathering data information. They were basically put together centering around
the idea of technology within the company itself. Some of their direct competitors would be against
Bank Of America, American Express and ... Show more content on Helpwriting.net ...
This was a success and was a high profit for capital one. This lead to their improvement of customer
relationships since they had vast information of them and had technology that could easily access
and identify their customers through a digital fingerprint.
This company focuses on personal information from their customer base to make decisions and
access which one of them will be able to pay them back after a loan. One of the ways capital one has
access this information is through the post office's file and other checking agencies as well. Capital
one basically takes information from any pertinent source that can provide then with reliable data. 4.
List and describe the information technologies used to support their strategy?
Information–based strategy
– company focuses on high credit risklow credit risk
– this helps them comprehend their customer's data and to make sure that their choices are made
with those people who are actually going to pay them back
– their information–based system collects and analyzes the information which helps them market to
their customers as it attracts various aspects of customer's needs
Data Warehouse & Mining Infrastructure
– this is to support their information based system while having shared communication between
different branches
– Their offices in UK and US can have clearly make accurate decisions since

Case Memo: Loan Processing at Capital One Essay
Case memo: Loan Processing at Capital One
Executive summary Capital One was founded on the vision Richard Fairbank and Nigel Morris had
regarding the potential profitability that could be made from customizing credit card products based.
"Capital One now is one of the largest issuers of master card and visa credits in the world."
Recently, due to a new marketing campaign, Capital One predicts an increase in demand for fund
loan approval. Based on the current levels of capacity, the loan department will not be able to
accomplish their targeted goal of 700 applications per month. Our proposed plan is aimed at
accomplishing a higher level of utilization and capacity through modifications on the current loan
approval process. Since ... Show more content on Helpwriting.net ...
Furthermore, the need to recall certain customers increased the overall process duration. As a result,
many potentially qualified customers are lost due to self–withdrawal. Second, we've concluded the
underwriting process is the bottleneck of the entire operation. Currently, it takes an average of 40.5
minutes per application to be put through. By comparing the inflow and outflow numbers, the
yield/throughput results to .33. Two factors contribute to the low yield rate. 1) As mentioned earlier,
14.6 of the 100 inputted applicants withdrew their applications due to the process duration. 2) Of the
remaining applications, 52 of the 100 inputted applicants were rejected because they were not
qualified. Lastly, looking into the quality assessment procedure, no additional work value is added
to the application. However, accurate information is vital before the application is passed through.
The two associates in this step create a supply constraint for the overall process. This is evident in
that the implied utilization measures 1.08, meaning the two associates cannot complete all tasks.
After identifying the problems of Capital One's, our group has created several solutions to increase
utilization and capacity to process 700 applications per month.
First, we reassign the last two duties of the underwriters to the workflow associates and the

Managing Business Strategy And Growth
MANAGING BUSINESS STRATEGY AND GROWTH
1.0. Introduction
Small business enterprises form special economic component of a given country. As such the
strategies should be put in place to ensure their proliferation and continued generation of profit to
the owners and revenues to the government. Small businesses are also source of employment for
most individuals who are unlucky to be employed by the multibillion corporate and other middle
level companies and organizations. Management strategies are plans that are put in place by either
government or the business owners to ensure that their businesses are being driven towards growth
and enhanced profitability. The strategies put in place are usually well researched and organized in
steps and stages that can easily be followed to ensure the development of the small firm and their
continued existence. This paper will be looking at a small business firm, analyze its intellectual
capital resources and come up with recommendations and proposals that will help to boost the total
growth and profitability of that particular business firm. The paper will look at into the strategic
intents of the business firm, document and designate the intellectual capital resources required by
the business venture in order to grow. The competitive advantage position of the venture will be
analyzed according to the resource based theory and give recommendations that will improve the
chances of the successfulness of the identified small business firm

Hayeks Contribution to the Business Cycle Essay
Hayeks Contribution to the Business Cycle
Friedirch August von Hayek was born in Vienna on May 8, 1899 and died on March 23, 1992, in the
city of Freiburg in Breisgan in Germany. Hayek was a central figure in 20th–century economics and
he represented the Austrian tradition. After Hayek served military service, he became a student at
the University of Vienna where he got his doctorate in law and political science. In 1923–4, Hayek
visited New York and then returned to Vienna where he continued his work. Hayek became the first
director of the Austrian Institute for Business Cycle Research in 1927. He also gave some lectures in
England at the London School of Economics in 1931. In England, he participated in such debates as
monetary, ... Show more content on Helpwriting.net ...
He showed how sudden injection of credit into economy could cause changes in the relative prices
between goods and lead to overinvestment that cannot be maintained. "When money and credit vary,
it sets up a train of events which draws resources into places where they would not normally go. In
particular, an increase in credit stimulates investment" (Butler, 8). Thus, Hayek shows that it is a
response to the false signal of new credit being created, and therefore this investment cannot be
maintained.
Hayek concentrates on the initial disturbance that starts a cycle. It is used to create new bank credit
in the shape of unwarranted advances to enterprises. He considers money (credit) as a factor to
explain the cycle theory.
The elasticity of the money supply (MV) is what allows and facilitates the disequilibria of business
cycles. By expanding the currency, malinvestments in capital are generated, which are not
productive enough to be maintained (Haney, 681).
Having said this, Hayek makes two points here. He talks about "voluntary saving" and enterprisers'
anticipation of rising prices. The former is concerned with the changes in capital structure brought
about by changes in the volume of money. It is the difference between "voluntary saving" and the
creation of new credit currency by banks. In particular, Hayek describes the self–reversing real
effects of credit expansion. He states

Capital Punishment Is The Process Of Sentencing One
Capital punishment is the process of sentencing one to death for committing an extreme crime. The
death penalty is known to have been used as far back as the Eighteenth Century B.C within the code
of Hammurabi also known for the phrase "an eye for an eye, and a tooth for a tooth". Capital
punishment has evolved and stayed the same in many places around the world, which has been seen
as morally wrong in many regions that has created a worldwide argument. While I personally
believe that no one in this world has a right to take another person's life, it is and will stay a personal
opinion and belief onto whether it is right or wrong.
Around one third of countries around the world are known to have a legal set of laws that allows
capital punishment. Surprisingly the United States is one of the countries with the most confirmed
executions every year. A number count of most confirmed executions per country was done in 2013
in which the U.S ended up at the fifth position ("International Perspective"). Only a total of 6 names
were given which were China, Iran, Iraq, Saudi Arabia, United States & Somalia, which were the
countries with the highest number of executions. Now you ask yourself why in the world would the
U.S be in a top 6 list with such names as those, the only answer to that is that we as a society still
stoop extremely low. Now some might say that we are extremely different and more civilized than
those countries, while the answer to that is no we are not. Within the

Financial Analysis And Funding Plan
Group Capital: Financial Analysis & Funding Plan
Since the economic crisis of 2008 and the collapse of financial institutions, entrepreneurs are
clamoring for alternative financing choices and investors yearn for investment options with the
potential for greater returns. With this in mind, the President and Congress enacted the Jumpstart
Our Business Startups (JOBS) Act of 2012 to grow entrepreneurship and provide investors with
opportunities to fund private companies in exchange for equity. The partners at Group Capital, a
Securities and Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA)
registered broker–dealer, lamented that the options available for innovation are minimal until they
discovered equity ... Show more content on Helpwriting.net ...
With this in mind, Group Capital will remain competitive, efficient and agile, and invest in
innovation in the processes while contemplating performance and productivity from the customer's
perspective (Swank, 2003). Numerous companies pursue reductions in costs, improvements in
speed, and enhancements in quality exploiting lean principles. With this in mind, there are several
techniques to achieve improved sustainability and profitability, including segregation,
simplification, and standardization (Heizer, & Render, 2012). By using the power of the crowd and a
robust online platform, Group Capital improves the capital raising model developing a less
cumbersome market approach and our projected costs reflect this benefit as demonstrated in figure
eight.
For this reason, the modification in focus is a seismic shift and represents a new way of transacting
and soliciting business. Group Capital understands the need for a marketing plan that will include an
aggressive digital advertising and social media campaign. Initially, Group Capital will focus on
recruiting and vetting appropriate entrepreneurs to sign up to include their ventures on the Group
Capital website. Through their existing relationships and prospecting activities, we plan to educate
and recruit qualified investors to fund the projects for equity in the ventures. In fact, Group Capital's
team of seasoned professionals will provide valuable advice to both

The Role Of Intellectual Capital Information On The...
Advanced Financial Accounting ACCU9AA
Student No.: 1931783
13 November, 2014
Coursework Essay
Why would companies choose to disclose Intellectual Capital information in the narrative sections
of corporate annual reports?
Word Court:
Page Court: 7
Introduction
The importance of Intellectual Capital information (IC) has been increased in the current economic.
It refers to intangible resources which create company value (Ashton, 2005). Human capital,
structural capital and relational capital are the main categories of IC (Meritum 2002). There are
some factors of the IC, such as employee knowledge and innovative capacities (Usoff, Thibodeau,
Burnaby; 2002). This is an "unrecorded value" of an company which is not shown ... Show more
content on Helpwriting.net ...
Analytical researches will based on the competition (Verrecchia, 1983; Darrough and Stoughton,
1990) and firm value (Hughes, 1986). On the other hand, Empirical research will be mainly focused
on the impact of the firm characteristics (Cerf, 1961). Elliott and Jacobson (1994) also claims that
there are three benefit of business information disclosure, the entity's interests, Non–owner
investors' interests and the national interest.
The first part of the essay will be focusing on three categories of IC. Then, it will be discussing the
relationship between IC and Market–to–book ratios. Next, it will be focusing on the future benefit of
voluntary disclosure.
Human Capital
Human capital plays a considerable role in the economic environments. It is not cash, assets, but it is
people, which are the critical differentiators of a business enterprise (Fiz–enz, 2000). It is an
organisation's possess individual tacit knowledge (Nelson and Winter, 1982). There are four factors
involved by human capital: genetic inheritance, education, experience and attitudes about life and
business (Hudson, 1993). All of these factors are intangible and can be invaluable. Human Capital is
a source of innovation and strategic renewal, such as improving personal skills, re–engineering new

process or just daydreaming at the office (Hudson, 1993). According to Figure 1 (Bontis, 1998),
Human Capital is about the intellect of human. It is an internal control and development

Capital Punishment : One Of The Least Enforced Forms Of...
Marco Ceballos
Shanna Munoz
English 1A 17744
November 3, 2014
Death Penalty
Capital punishment is one of the least enforced forms of punishments in California. The state
currently faces a large deficit and continues to hold inmates for life sentences. One hundred and
fourteen dollars are spent daily on each inmate in California. That is more than what most
Californians earn in a hardworking day at a minimum wage pay job. Thanks to inmate advocates,
Californians spend millions on inmates verse spending on education and health for the work class.
Capital punishment should be enforced in California more often to get rid of problems such as
prison overcrowding and reducing, the increase the state deficit, and as well as restore the victim's ...
Show more content on Helpwriting.net ...
According to death penalty.org, in California, "The reasonable expectation of an individual
contemplating a capital crime in California then is that if he is caught, it does not matter whether he
is sentenced to death–realistically faces only life imprisonment." Under such circumstances
California is unable to grow financially and flow funds to areas such as health care and education to
its working class. Education, is one of the areas greatly affected by the deficit, the prison
punishment system currently incorporated in California does not help the high rising deficit. Aging
prisoners sentenced to life contribute to the raising state debt. Rather than executing a prisoner after
the twenty year mandatory sentence prior to death, an average 34 year sentence would cost the state
and average of $1.598 million dollars per inmate. (Mountain news.com) That is twenty times more
than an average California minimum wage employee earns in a lifetime. Figures such as this rather
than deterring criminal minds from crime, give a financial motive to remain in prison for life. Due to
the large difference between living in and outside of the prison system most former prisoners often
return to their prison life because of the notion that they are well nourished and cared for within the
walls of a prison versus facing real life struggles such

Capital One 360 Business Report
Compare and Contrast Business Report
Dezurik & Capital One 360
Operations and Supply Chain Management
November 12th, 2013
Executive Summary
Company Overview
From an operations management perspective, we compared and contrasted Capital One 360 to
Dezurik. We looked at many different aspects of both businesses in relation to various operational
and business elements. We conclude that both corporations have significant differences based on
manufacturing versus service operations. Dezurik is a pure manufacturing company, which was
founded in 1928, while Capital One 360 is a pure service company that was founded in 2013.
Dezurik designs and manufactures valves for use in commercial ... Show more content on
Helpwriting.net ...
This can be shown in their manufacturing process. Dezurik has some valves that they are mass
producing all of the time. They also are able to take on project builds for custom sizes and designs.
These are two different segments of Dezurik which require two different business strategies. The
first strategy that Dezurik has is to be continuously producing their standard size valves. This is a
fairly straight forward operations strategy. Keep up with the demand for the valves, and at the same
time maintain an efficient product assembly line. The second strategy has to do with their special
product order segment. They do this in several different ways. The first is to complete the projects in
house, which shares the same as the previous strategy. The second strategy is to have one of their
teams build and complete their projects on site. This typically happens when they work on a project
with components that are too big to build in house. The business strategy for Dezurik is much
different. They want to become the largest producer of valves in the world. They do this by
outsourcing some of their components to China, which brings down production costs. They also
need to be certified to be sold in other countries around the world. They are trying to expand
internationally and build up partnerships and relationships with governments and companies from
around the world. In order to keep these relationships intact, Dezurik has a full

Capital as a Factor of Production and the Capital Theory...
1.1. Capital as a factor of production and the capital theory debates
Beginning in the mid–1950s and for the following twenty years or so, a debate concerning the
neoclassical treatment of capital turned apparent in the discipline. This gave rise to a series of
exchanges between scholars associated with Cambridge, England, and Cambridge, Massachusetts,
(US). This debate is broadly known in the literature as the 'Cambridge capital theory controversies'.
The relevance of this controversy lies in that the criticisms of neoclassical theory raised by
Cambridge (UK) concern both the theoretical illegitimacy of measuring 'capital' as a single
magnitude in value terms to determine prices and distribution, and the foundational premise
underlying the dominant supply and demand approach: the factor substitution principle. In the
controversies it has been shown that this principle cannot in general be posited to explain the
distribution of the social product in terms of supply and demand. This result, discovered by means
of the analysis of the relation between prices and distribution in economies with heterogeneous
capital goods, has been revealed as theoretically irrefutable, and, as this study will argue, concerns
the hard core of the neoclassical or marginal theory both in its traditional (capital measured in value
terms) and in its contemporary formulations (capital as a set of heterogeneous goods).
Capital as a single magnitude has been the treatment on which, under conditions

Blurryface Monologue
If you are part of the Skeleton Clique of the band Twenty One Pilots, you know who Blurryface is.
But for those of you who don't, Blurryface is your greatest insecurities. He is your depression. Your
anxiety. Anything that you deal with, he is that inner voice that tells you that you won't make it and
you aren't strong enough to survive. I'm a 15 year old teenager, who as I like to call it, is mentally
interesting. I have my own Blurryface. My own insecurities. I struggle with High–Functioning
depression and both General and social anxiety, so life is a struggle for me. And what makes it
hardest, is that inner voice that convinces me that I don't have what it takes to make it through this
life. That I'm not able to do this. It's that wall that ... Show more content on Helpwriting.net ...
It doesn't seem like it sometimes. It seems like there is no possible way anything can get better, but
if you focus on the minute, and make it to the next, you moved forward. You pushed back your
insecurities and you told your Blurryface "no". We've made it this far, we can go a little while
longer. One thing, is that I am in the process of building a support system of people who love me
and care about me. I am the luckiest person in the world to have the absolutely most amazing and
caring and loving friends you could ever ask for. If it wasn't for them, I would not be alive today. I
owe my life to them for sticking by me through this, and convincing me that it is worth it to live, it
is worth it to keep fighting every single minute. Every hour. Every day. Even if I cannot believe it,
I'm told life is pretty good sometimes. That life gets better. That life somewhere, somehow, has joy
and happiness and love. I don't have the pleasure of experiencing it right now, but I hope one day I
can and that you can also. As Tyler Joseph would say, "Don't give up. Push through the

The, Capital One, And Bowsart

Recommended

Recommended

More Related Content

More from Leslie Lee

More from Leslie Lee (20)

Recently uploaded

Recently uploaded (20)

The, Capital One, And Bowsart