Personal Statement High School Example Best Of S

Personal Statement High School
Example Best Of S
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Personal Statement High School Example Best Of S Personal Statement High School Example Best Of S

Argumentative Essay On Excessive Screen Time
Lately, the issue of excessive screen time is becoming increasingly important in pediatrics, and it has
become a major risk factor for many chronic conditions such as vision impairment, obesity, and
altercations to social behavior. While many parents realize that excessive screen time is harmful,
children are still spending eight to ten hours on their electronic devices. Not many parents realize that
proper regulation is also needed to keep their child safe from health risks. According to the National
Heart, Blood and Lung Institute, 28 percent of parents set TV watching rules, 30 percent set rules
about video game use, and 36 percent of parents set rules about computer use ( Reduce Screen Time ,
2013). This is a problem because 60 percent of children are constantly stumbling upon explicit content
every year, and their behavior shifts more negatively and aggressively (Lunsford, 510). I believe that
too much screen time can pose much harm to a child s health and well being. If we don t find ways to
limit excessive screen time than children will face many consequences that will ultimately harm them
as they grow older.
Screen time is any time spent using an electronic device such as a computer, T.V, phone, or video
game console. Many statistics have shown that an average adult spends nearly eight hours of screen
time a day while children spend eight to ten hours a day (Lunsford, 513). Comparing the two pieces of
data, children spend more time on electronics than many adults do,
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Starbucks Analysis On The Coffee Chain And A Brand That...
This Individual work is based on the case study Starbucks: Back to Basics? written by Sachin Govind.
The case reviews the success story about the coffee chain and a brand which changed the Americans
coffee and café culture. However, it also highlights that Starbucks had been facing some challenges as
well as having difficulties inside the company. Furthermore, some analysts expect that the corporation
eventually will destroy what they have built up and what have become to be known as their unique
characteristics. Some analysts believe that Starbucks have lost focus and track of the the expectations
of the market, which is reflected in dropping stock prices in particular, and in the fact that Starbucks
struggles to retain the same ... Show more content on Helpwriting.net ...
Starbucks sells hot and cold drinks, coffee beans, salads, hot and cold sandwiches, sweet pastries,
snacks, and items such as mugs and tumblers. Through the Starbucks Entertainment division and Hear
Music brand, the company also markets books, music, and film. Many of the company s products are
seasonal or specific to the locality of the store. Starbucks brand ice cream and coffee are also offered
at grocery stores (www.wikipedia.org)
Starbucks Mission is to inspire and nurture the human spirit one person, one cup and one
neighborhood at a time (www.starbucks.com)
Corporate strategy of Starbucks
Maximize market penetration
Provide a relaxing, attractive social atmosphere
Offer high quality products
Create a great working environment
Achieve profitability
Critical success factors of Starbucks
Customer service excellence
Product quality

Accessibility
Corporate social responsibility
Brand recognition
Success Strategy Implementation: the 4 Ps of strategy
PERSPECTIVE AND MISSION
PATTERNS OF ACTION
BUSINESS STRATEGY PLANS AND GOALS
POSITION IN INDUSTRY
Success Strategy of Starbucks could be classified as a Patterns of Action . While much of the
Starbucks expansion will likely occur overseas in high growth markets like China, it seems to me that
Starbucks will have to

Temperature And Solubility
At what temperature is more KCl able to dissolve: 40°C or 90°C?
90 C since with the KCl we found that the higher the temperature the more likely the substance is to
have greater solubility.
How is temperature related to the solubility of a salt? Explain your answer.
Solubility increases with temperature because the increase in kinetic energy allows the solvent
molecules to break apart the solute molecules that are held together by intermolecular attractions.
Which salt is more soluble, KCl or NH4Cl? Explain your answer.
NH4Cl since the data shows us that it requires less heat than KCl to fully dissolve.
Why is it important to not allow the test solutions to boil?
Because if it boils then some of the solvent will be lost

Essay On Non-Sided Perception
Can an expert or a non expert communicator change the attitude of an individual using a two sided
message?
Using messages that were either one sided or two sided conveyed by an expert and a non expert. The
aim of the study was to measure the change in attitude of individuals. Using healthy eating as the topic
of discussion. By using a questionnaire that is then scored by the participant on the semantic scale on
their attitude towards the messages. The results provided were insignificant this could be derived by
many possible reasons. As an overall conclusion from the evidence obtained remain inconclusive as
the results proved to be insignificant.
Attitudes are a primary factor which individuals are most likely to change on a day to day ... Show
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(2000); Holdsworth, Raymond et al. (2004), it was stated that having some form of knowledge of
healthy eating increases the chances of behaviours and attitudes changing. As experts such as doctors,
nutritionists, fitness gurus etc. have a better understanding of healthy eating providing a two sided
communicator expertise message. Than non expert communicators as they provide information based
on opinion.
Many individuals are more reluctant adhere to the messages provided by these experts. Therefore,
their attitude towards healthy eating is most likely to change regardless of their status in society. The
messages conveyed can impact on an individual through facts. Tesser, Martin and Mendolia (1995)
created a study thinking about a person who did something nice led that person to be evaluated more
favourably than when distracted from thinking, whereas thinking about a person who was insulting led
to more negative evaluations then when distracted. This is believed to change the attitude of an
individual through bias thinking. Which is a factor that influences the change in attitude of
individuals.
As the expert has prior knowledge and has enough sufficient information to encourage the individual
to change their attitude towards healthy eating. By providing them with non bias messages. However,
Forgas, 1995; Petty et al (1993) believe that when motives bias thinking, people actively try to
generate favourable or unfavourable thoughts. Biased thinking

WASP Stereotypes Of Southern Italian Immigrants
The United States was and is widely known as a melting pot . Common belief holds that America
welcomed hopeful immigrants from overseas, and provided them with opportunities that would give
them better lives for themselves and their families. While such a statement is technically true in
general, the issues in regards to prejudice and racism, is where the metaphor weakens for America as a
beacon of hope for immigrants. Many people today believe that Americans have always embraced and
encouraged the melting pot concept. However, WASP stereotypes of immigrants were the driving
force behind the quality of treatment received by immigrant groups. It was the group they hated,
which made it difficult for immigrants to be seen as individuals, let ... Show more content on
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They even created shrines within their homes for particular Saints, so they could pray properly in
absence of a church. The church and government gave the Southern Italians deep trust issues when it
comes to institutions and people outside of their family and village. The family became the most
important institution in Southern Italy, and this belief carried over with them to The United States. The
WASPs viewed the Southern Italians opposition to religious institutions as disrespectful and anti
religious. In the eyes of WASPs, the Southern Italians antagonistic attitude towards church was worse
than the fact that they were Catholics. A difference in religion was cause for dislike, but an absence of
religious practices, or so they thought, was immoral.
One of the biggest stereotypes depicting Southern Italians as immoral is the idea that they are all
affiliated with the Mafia. This WASP belief was formed based on a .0025% of truth. An extremely
small population of the Southern Italians engaged in organized crime. However, WASPs believed that
all organized crime was run by Italians, and that all Southern Italians were involved or connected with
the crimes in some way. The Italian way of closeness of family and exclusiveness of anyone who was
not family, helped confirm the WASPs theory of intertwined

Cat Breeds And The Sphynx
Think of strange and unusual cat breeds and the Sphynx is bound to come to mind even if you don t
know the breed s name! The Sphynx is often referred to as the hairless cat. Remember Mr.
Bigglesworth, Dr. Evil s cat in the Austin Powers movies? The Sphynx is not a truly hairless cat,
although it appears to be. The Sphynx s skin is often covered by a very soft peach fuzz. These cats
also are known for their wedge shaped heads and curious natures. Their skin is warm and soft to the
touch, feeling like a very fine leather. The Sphynx may or may not have whiskers. Because they do not
have coats to keep them warm, Sphynx cats tend to be very affectionate, often snuggling up to other
animals and people. If you get one of these cats, prepare to make room under the covers at night, as it
will probably want to curl up next to you. Its lack of a coat means no shedding and no need for
brushing. However, the Sphynx still requires plenty of loving care and maintenance. Body oils tend to
accumulate on their skin, while other cats absorb them in their coats. This means that the Sphynx
requires regular bathing. These cats also should have limited exposure to sunlight, as they can develop
a sunburn similar to that of a human. They also should not be exposed to cold temperatures because of
their lack of a coat for protection. In short, the Sphynx is not an outdoor cat. A common fallacy about
the Sphynx is that is hypoallergenic because of its lack of a coat. It is important to

Alzheimer s Disease And My Grandmother
Alzheimer disease touches me very deeply because my great grandmother died from it and me and my
mom helped a lot with her care and my grandmother is in the early stages of it too. It is more common
in people whose mother had it than if it the father had it which is the case from my great and
grandmother. Early in the disease, older people have difficulty remembering names and recent events
and later they demonstrate symptoms that include impaired judgment, disorientation, confusion,
behavior changes, and trouble speaking, swallowing and walking (Tabloski, 214, p.619). My grandma
has some of this symptoms specially confusion she is still pretty young but you sure can see the
symptoms now and then. It is important that the family is involved

Jesus Crucifixion
Anthony Liccione once said, Unto the Cross came death, and unto death came the Cross. This quote
relates to the poem, The Dream of The Rood because it talks about the story of how Jesus crucifixion.
In the poem states, It seemed to me that I saw a more wonderful tree lifted in the air, wound round
with light, the brightest of beams. This symbolizes that he has stumbled across the Tree of Life
mentioned in the Bible. Adam and Eve ate an apple off this tree even though God had forbidden it.
The tree the poem was glorious on one side with gems and beauty; however, the other side showed a
different face of Christ . The side of judgement and how mankind treated him and crucified him for
living a religion filled life. The poem mentions that the tree was cut down from the edge of the wood,
ripped up by my roots. ... Show more content on Helpwriting.net ...
The poem tells the story of what came next, They pierced me with dark nails; on me are the wounds
visible, the open wounds of malice; I did not dare to injure any of them. These stanzas explain the
nails being inserted into the hands of Jesus Christ; even though, he knew it was possible for him to
end the pain, he endured it insure that the people who followed him even in this moment would be
saved. Jesus hung on the Cross for many, many hours while people laid at his feet for repentance, just
as the man in the poem laid in front of the tree focusing on the sin that he had committed in his

Paleontologist Career Research Paper
I want to be a Paleontologist A paleontologist is a man or women who finds or studies dinosaurs or
fossilized plants and life. A paleontologists work environment is badlands, the artic or around the
world. To be a paleontologist you have to have a good diploma in science or geology. The average
payment of a paleontologist is $91,920. The future outlook of a paleontologist is geology and
excellent. This job stands out from other scientific jobs because you can find new species and why it is
important is it tells the past. Why we find these fossils is to find clues on what happened in the past.
Some similar occupations are geoscientist, geographer and hydrologist. These occupations are similar
because they are finding fossils and the past.

Beauty Is The Quality Of Beauty
What is Beauty? Greek Philosopher, Plato, once said: Beauty lies in the eye of the beholder. Everyone
has different points of view about what beauty is. Some people may perceive beauty as how someone
looks on the outside. Others may see beauty as being confident in your own skin. According to
dictionary.com, beauty is the quality in a thing or person that gives intense pleasure to the mind. For
me, beauty comes in act of kindness, in nature, and smiling faces. Beauty comes in act of kindness.
When I was in tenth grade, I got the opportunity to volunteer at a homeless shelter. So, my Saturday
mornings became occupied. My job there was to hand out personal hygiene items after the homeless
people have finished their ... Show more content on Helpwriting.net ...
I took a moment to look at the rich blue water as I heard the sound of the waves softly crashing against
the rocks. As I get in the water, I feel the power of the wave pulling me towards it pushing me further
and faster away from the sand into the deep water. I got the opportunity to see a dolphin jump out of
the water. I took hours looking at the horizon. As I stayed there look out into the horizon, the sun has
almost set just the tip is left to disappear into the water. The sky changed from blue to yellow and
orange to pink and purpl. I got to see the sky go from day to night. As I start walking back I took one
last glimpse of the sky I could see the bright and high moon. I could see the horizon with moonlight
reflection in the water. It is certainly easy to understand why nature is appealing. Beauty is in nature,
but it can also be in smiling faces. When I was in high school, I volunteered to make and hand out
food to those who were less fortunate. We first stopped at a shelter where people were sitting either
watching television, reading the newspaper, or just sitting and talking to a friend. We walked in and
put a box of sandwiches on a table, and started to hand them out. The people were very grateful and
said thank you with huge smiles on their faces. Watching those people smile, bite into sandwiches, and
drink their drink warmed my heart. Their smiles made me smile. Knowing that my time was used to
make someone s day more hopeful. I began

A Common Trope Within International Relations That Is Often
A common trope within international relations that is often discussed by analysts and average
individuals alike, is the inevitable decline of American power. Delving into this trope in his book, IS
THE AMERICAN CENTURY OVER?, Joseph S. NYE, JR, argues that the period of American pre
eminence in military, economic, and soft power resources is not over (116). In structuring his
argument, Nye first analyzes Europe, Japan, Brazil, and India and their potential role in challenging
America s ability to maintain an international order. Then, Nye turns his attention towards China, and
comparatively analyzes its military, economic, and soft power to that of the United States. Conversely,
Nye explores potential American responses to China s ... Show more content on Helpwriting.net ...
Within these terms, Nye contextualizes his argument. For example, Nye explains that though China s
economic and military power allow it to be a more of a potent threat than other challenger, it has a
host of domestic issues, ranging from an underdeveloped countryside to rapid industrialization (50).
Even if China were to overcome its domestic problems, which would translate to an increase in
Chinese economic power, a preponderant role for China in the world economy would not equate to a
Chinese hegemony. It s political and military actions would still have to account for the United States.
Through dissecting how any economic advantage China has over America is negligible, as it comes at
a price for it as well, Nye makes the argument that interdependence constrains China into working
with America in maintaining the international order, rather than working against it. As the United
States derives power from the dollar, much has been said about China s massive holding of dollars,
and how it could potentially use it as a bargaining chip in its relationship with the United States.
However, Nye claims that in the interdependent relationship between the nations, power depends on
asymmetries in interdependence (54). Thus, if China were to dump its dollars on world financial
markets, it could bring America to its knees, but it would also bring

Purpose Of Selecting A Program
The purpose of selecting this program is to deepen my studies in sustainability in detailed. Nowadays,
sustainability is a topic which research is still maturing, and designs are relatively new. The intent of
this study emphasises in ruralisation of current urban cities by creating an environment that would
allow the residents to benefit from its geographical and urban function stressing the creation of one
system. Cities in the US and around the world have developed significantly that much of the land has
transformed into Metro areas. In addition to 3 million people or greater living in these cities, people
have exhausted their options and had no alternative but to rely on high rise architecture. Many
architects and landscape architects, focus their careers trying to create sustainable cities but are still
limited by the maximum space they can utilise. Others emphasise the incorporation of biophilic
mediums to solve the problem, then again, these are very restricted to the site. As land in some
countries are finite and are reaching their maximum capacities, this will potentially become a problem
that must be solved. As innovative developments in these cities cease, buildings are stacked, rooms
miniaturised, and even expand to restricting areas to accommodate as many people as possible.
Families of four or more members settle in places where room sizes parallel those of an individual
living quarters in low density areas. These areas create an urban sprawl development that

Close USots In Casablanca
In the film Casablanca, there are many extreme close up shots and zooms, often focused on the facial
expression of characters. These close up shots show great details of characters face, which reveal the
emotion of a character. For example, when the engines of the plane is starting up, there are a lot of
close up shots that really demonstrates character s thinking processes. During the scene, Rick and Ilsa
looked toward each other, then Rick turned his head toward Victor, Victor turned to Ilsa and asked if
she is ready. After that, she had another look at Rick, responds with Yes, I m ready. Based on Rick s
facial expression, we can say that he is returning Ilsa back to Victor, and he has finalized his decision.
At the same time, Ilsa s face tells us that she is accepting this decision, but still not entirely ready for
the final farewell. Scenes ... Show more content on Helpwriting.net ...
These long shots continues without stopping, moving from a place to another, smooths out the story
by avoiding cutting scenes and thus creates continuity for the story. From the same scene where they
depart from the airport, when Rick announces that Victor and Ilsa will be flying and he will stay, Ilsa
was stunned. Scenes like this create amazing action sequences to help us to focus on the story, and add
extra punches to the movie.
Another good angle that is useful in analyzing this film is the characters roles and their development,
which changes over the course of a narrative. During the narration of Rick s story, his past was
revealed after Ilas s arrival at Casablanca, it is necessary to help emphasize what kind of person Rick
is and how different he was. Captain Louis also took an important role in this story. At the beginning,
he seems like a person who doesn t care about other people, only cares about himself, but as story
goes, he can t hide his feeling to befriend with Rick, finally escapes Casablanca together with

O-Blood Research Paper
I love to help as much as I can with anything possible. The biggest thing that i ve done to help my
whole community is donate blood. I love doing this because it can help anyone, since I have O blood
it can be donated to anyone. I always feel superior knowing I helped save a life and one day I know
someone is going to help me. It s the whole giving and getting back thing because it s not about
donation, it s about making a difference. My biggest self importance is helping people either
physically or mentally and this is one big way to help in both categories. The steps I took to
accomplish this is focusing on the lives I may help and looking at the differences I can make may last
a lifetime. I was inspired by learning in medical class that

The Four Flexibility Improvement Options
Paper Case Qs 1) The four flexibility improvement options presented to Kiefner vary considerably in
their cost and their potential effects on strategy and profitability for the company. The first option is
one of the more expensive, but would also lead to some of the most substantive changes in the actual
operations of Machine #4. At the same time, despite the fact that the specialization abilities of the
machine will be significantly enhanced, marketing estimates that only a seven percent premium could
be charged, and only on about thirty percent of the machine s output the expected level of use for
specialized runs under this plan. Switching to a one week changeover cycle, which s the second option
for the machine, is much cheaper and would have a higher yield than the first option, with a five
percent premium on all outputs of the machine if it were operated on this just in time basis. Even if the
changeover time could not be reduced, this would be preferable than an expensive change to the
machine that only affected thirty percent of output. It might be undesirable form a labor standpoint,
however, and this is a major strategic consideration for the company given the current atmosphere.
Cost and profitability enhancements should be weighed against the potentially costly labor issues that
might ensue, while at the same time it must be remembered that a return to competitiveness is
necessary in order to retain jobs. The third option is again expensive the most

Arlington National Cemetery Essay
Journal D Arlington National Cemetery is located in Arlington, Virginia and is home to over 400,000
graves. Service members who died while on active duty, retired members of the Armed Forces, and
certain veterans and family members may be buried there. Seeing the countless rows of headstones
allowed me to reflect upon the sacrifices made by our U.S. soldiers. I have a tremendous amount of
respect for every person buried there. Monuments, memorials and dedicated trees commemorating
individuals and significant events in our nation s history are interspersed throughout the cemetery
among the headstones of service members for whom Arlington is the final resting place. These people
shall never be forgotten. Walking beside the graves allowed me ... Show more content on
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On May 1, 1981 a jury declared Maya Ying Lin of Athens, Ohio as the winning memorial design. The
memorial s walls point to the Washington Monument and Lincoln Memorial. 58,267 names are
inscribed in chronological order of the date of casualty. I believe this depicts the war as a series of
human sacrifices and therefore they shall receive a special place in history. Each name is preceded on
the west wall or on the east wall by one of two symbols: a diamond or a cross. The diamond denotes
that the individual has been declared deceased. The 780 persons whose names are designated by a
cross were either missing or prisoners at the end of the war and remains missing and unaccounted for.
If a person returns alive, a circle, as a symbol of life, is inscribed over the cross. In the event an
individual s remains are returned or are otherwise accounted for, the diamond is superimposed over
the cross. Knowing this, I remain hopeful that some soldiers will return home alive. Walking beside
the wall and seeing the names inscribed allowed me to feel great pride in my country as these soldiers
gave up their life fighting for the people of America. The Vietnam Veterans Memorial will properly
commemorate each soldier for the rest of

The London Program Has Cut Congestion
The London program has cut congestion from the original cordon by 20 to 30 percent (70,000 fewer
cars per day), and by 14 percent in the western extension (30,000 fewer cars per day). There has been
a 6 percent increase in bus ridership and a 12 percent increase in cycling journeys into the western
addition during charging hours; and a 66 percent increase in cycling within the charging zone since it
was introduced (Transport for London, 2009). As private vehicle traffic has dropped, some road space
has been dedicated to transit and other purposes. Transport for London (TfL) announced that
construction‐ related delays and changing use of road space contributed to increasing traffic
congestion in the charging zone back to pre‐charging zone levels, but that the number of vehicles was
still significantly lower and that construction‐related delays would have been worse without the
congestion charging zone in place (Mail On‐Line, 2008). Many of these delays appear to be
temporary, although some alterations to roadways to promote alternative forms of transportation are
permanent.
Carbon dioxide emissions dropped 15 to 20 percent, and fine particulates and nitrogen dioxide
dropped 10 percent according to the Central London Congestion Charging Impacts Monitoring Sixth
Annual Report (TfL, 2008). This is especially important because London currently exceeds European
standards for nitrogen dioxide (NO2) and fine particulates (PM10). Transportation is the largest
sources of both,

The Disreputable History Of Frankie Landau-Banks
Setting always plays a major part in writing. An work is based around a conflict, that s just how
writing operates naturally; and since setting manipulates the conflict in a story, everything can change
simply due to where it takes place. A great example of this is The Disreputable History of Frankie
Landau Banks , where the plot develops around the setting in which it takes place. Due to the fact that
The Disreputable History takes place entirely in a boarding school, the conflict can change
unpredictably because the characters lives revolve around Alabaster Preparatory Academy . The main
character, Frankie, is a sophomore in high school that struggles with the fact that she s a feminist.
Many teenagers struggle in daily social life that includes going to school, no doubt. Though,
throughout the book ... Show more content on Helpwriting.net ...
For example, in the chapter A Sea Horse Frankie makes a decision and decides to sit at the senior table
alone. However, after it takes the seniors a while to arrive, she begins to feel uncomfortable; but she
believes that if she stands, it would make the entire situation more embarrassing: There was a part of
Frankie that felt what nearly what every teenager would have felt in that situation: embarrassed. She
wished she hadn t broken this stupid rule. She wished Matthew would come and rescue her. Or when
she thinks: Why on Earth could she have done such a dumb thing? This is a fairly common example of
man vs society , it s also a sign of the panopticon theory (the feeling of being watched even though
you aren t). The setting of a crowded lunchroom is what illuminates this conflict, this is because she s
sitting alone, yet she s surrounded by a lot of people. Frankie thinks that there is almost an unseen rule
not to sit alone at a lunch table; yet she does it anyway and in result she feels embarrassed and

Profile of a Hate Crime Offender Essay
Profile of a Hate Crime Offender
Sterilized from emotion, hate crime, also called bias crime, is those offenses motivated in part or
singularly by personal prejudice against other because of a diversity race, sexual orientation, religion,
ethnicity/national origin, or disability. Hate crimes are committed out of anger, ignorance, and lack of
knowledge of another s ideas and beliefs. There are many causes for an individual to commit a hate
crime. Also, many different profiles fit the description of a hate crime offender. There are ways to
prevent and control hate crimes, but they will always be present in society as long as every person has
the right to express his or her opinion.
The term ... Show more content on Helpwriting.net ...
Hate crimes are also known by other names. The most commonly employed of such terms is bias
crime, perhaps because it accurately emphasizes that such offenses often arise out of prejudice toward
another group of individuals. In addition, Howard Ehrlich (1990), director of the Prejudice Institute at
Townson State University has coined the term ethno violence to include acts that do not arise to the
legal standard of a crime, but contain an element of prejudice. These hate incidents may, for example,
include the use of ethnic slurs or the exclusion of members of targeted groups from social activities at
the workplace.
From a psychological perspective, prejudice refers to a negative attitude toward individuals based on
their perceived group membership for example, their race, religion, ethnicity, or sexual orientation.
Though as a form of discriminatory behavior, hate crimes often have an attitudinal dimension, the
relationship between prejudice and criminal behavior tends to be complex. There is reason to believe
that certain hate offenses result from some personal bias or hatred. In the extreme case, a hatemonger
may join an organized group in order to devote his life to destroying a group of people he considers
inferior.
At times, certain prejudices become narrowly targeted. Because behavioral scientists have

Analysis Of Ark Restaurant Corp, And Bj s Restaurant
I prepare this analysis for Ark Restaurant Corp, and BJ S Restaurant. Ark Restaurant and BJ s
Restaurants,Inc. are rivals in the eatery business. Beside the undeniable likenesses characteristic to the
foodservice business (giving great food services, and a welcoming environment to their different
clients), these two organizations are altogether different when seen through a monetary point of view.
To assess these two organizations, I have arranged a financial statements and figured also key ratios
that will be utilized to show and also further explain these crucial contrasts. As to their separate 2014
salary articulations, ARK Restaurants had the higher gross net revenue (24.6% contrasted with the
17.8% reported by BJ S restaurant.) and also book estimation of equity of shareholders value. Ark
Restaurants higher gross edge mirrors the more noteworthy proficiency with which it can transform its
investors cash into cash for the firm. This productivity is likewise demonstrated in ARk Restaurants
higher larger operating incomes margin (11.4% contrasted with the 8.7% by BJ S Restaurant.). The
larger operaing income additionally implies that ARK has similarly lower fixed cost, in this way
giving its management has more adaptability in deciding costs of their products. The flexibility that
ARK has in pricing gives an included measure of security for the Restaurant amid tough financial
times for Ark Restaurants. The operation cost also went ahead to demonstrate

Golden Ratio Essay
The relation between science and art has been long lasting. The first scientific discipline that comes to
mind is mathematics and specifically geometry. Before the scientific method of Bacon and the
Renaissance we, mankind, had geometry earth measure. Geo + Metry and the Egyptians used it in the
architecture of the Pyramids. Herodotus, the Ancient Greek historian wrote
This king divided the land . . . so as to give each one a quadrangle of equal size and . . . on each
imposing a tax. But everyone from whose part the river tore anything away . . . he sent overseers to
measure out how much the land had become smaller, in order that the owner might pay on what was
left . . . In this way, it appears to me, geometry originated, which passed ... Show more content on
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Green line From her hairline at the top of her forehead to the bottom of her upper foot.
Blue line Her height, as measured from the middle of the feet to the top of her head at the back of the
part in her hair.(Meisner, 2014)
The new knowledge of light, color and human anatomy prior to the 1700s along with the knowledge
of the ancients helped Renaissance, Baroque, and Rococo achieve a higher degree of artistry in their
works. The use of sfumato was one. Instead of stark linear definition of shapes, something is left to the
imagination by the hazy blurring of lines. It is said that the Mona Lisa displays this in the ds Vinci s
use of sfumato for the corners of the eyes and mouth of Mona Lisa to elevate the mystery of her
expression.(Phaidon, 2015).
Artists of the age became anatomists by necessity to reach a level of intuitive familiarity with the
characteristics of the human body to ensure accurate renderings. The Florentine sculptor Baccio
Bandinelli (1493 1560) wrote to a duke when seeking employment, I will show you that I know how
to dissect the brain, and also living men, as I have dissected dead ones to learn my art (Bambach,
2002)
Baroque

Trinity Monistic
Father, Son and Holy Spirit is a common phrase in the Christian faith. Who are these people and what
do they represent? These three people are separate people, but represent one God. The concept of the
Trinity creates a lot of debate, because some skeptics think that the Trinity is either Monistic or Pagan.
The Father, Son and Holy Spirit are three separate beings that represent one God, and this can be seen
in different passages in the Bible.
Is the Trinity Monistic or a Pagan grouping of Gods? The Trinity is not monistic because God does not
reveal himself in three different forms. The Trinity is three co existing eternal persons who exist as
one God. The Trinity is also not three separate Gods. The Father is the godhead of the Trinity ... Show
An example of this trend takes place in the book of Isaiah. Jesus states I AM several times in the
chapter. Jesus is making a strong statement that he is God. God is the Trinity, and Jesus is one of the
persons that make up God. In John 5:18 Jesus breaks the rules of the Sabbath, and calls God his own
Father. Jesus is making it known that he is the Son of the Father, and therefore, equal to God. The only
way Jesus could be God is if he is the Son of the Father. This passage shows Jesus place in the Trinity.
The most concrete example of Jesus being one with God takes place in John 10:33. Jesus states I and
the Father are one where Jesus is very clearly defining himself as God. Jesus is God along with the
Father and the Holy Spirit. Jesus proves he is a part of the Trinity by clearly stating that he is one with

Analysis Of Kellogg s A Cereal Company
Beginning in 1923, Kellogg s, a cereal company located in Battle Creek, Michigan, created PEP, a
whole wheat cereal. Significantly, in 1930, it became the first fortified cereal consisting of vitamins B
and D. According to Kellogg s official website, it became the first product to undergo food
fortification or adding of minerals and vitamins, using the spray method (par. 4). Prior to its
discontinuation in the late 1970s, the company focused extensively on sponsored advertisement.
Kellogg Company partnered with sponsoring radio networks, such as the The Singing Lady and the
Howie Wing , to benefit the food and entertainment industry.
Even though PEP cereal is no longer selling, one advertisement during its era of popularity brings up
controversial points. Mentioned in the previous paragraph, the classified ad seems to be of antique
value, dating back at to its early release during 1930s. The photo also features a husband just getting
off work, dressed in a suit, putting his arms around his wife. The wife is wearing typical housewife
clothing (heels, cooking apron, dress, and feather duster), returning the husband s embrace with a
smile. The picture also features a box of vitamins in the left lower corner, along with the couple s
conversation. The content seems to address a general public with a traditional viewpoint of gender
identity.
The purpose of the ad is to promote Kellogg s PEP vitamin infused cereal. The message conveys that
the added vitamins will enhance the

Anabolic Steroid Analysis
Anabolic steroids were first introduced in1932 and experiment was conducted on enhancement of
soldier s physical strength by Nazi Germany (Kam Yarrow, 2005). Furthermore, the synthetic steroids
initially developed for treatment of hypogonadism wherein insufficient production of testosterone in
testes delays the normal growth, development, and affects sexual function (National Institute on Drug
Abuse, 2006). The primary medical indication for anabolic steroids is to utilize in treatment for
delayed puberty and other disease. Synthetic steroids initially have been developed by scientist to
support in treatment of disease. Anabolic effects of steroids provides muscle build up and androgenic
effects of steroids consist of producing male physical traits. Many of professional athletes demand to
deliver highest performance in their chosen field. Therefore, synthetic steroid can provide additional
testosterone growth to help in improving the performance. Common adverse effects of synthetic
steroids include increase in sexual desire, mood fluctuations, testicular volume decrease, and acne.
Moreover, abnormal liver function and enlargement of breast in men have been noted as side ... Show
The performance of professional athletes is highly related to earning fame and establishing high salary
contracts. Designer anabolic steroid control act of 2014 has been endorsed in December 2014 for
effective management of regulation for anabolic steroids (GovTrack, n.d.d ). Furthermore, the world
anti doping agency publishes prohibited list every year to comprise the newly added designer anabolic
steroids. The anabolic steroid control act states that any drug or hormonal substance that is similar or
related to listed chemical structure will be considered as anabolic steroid. Use of anabolic steroid other
than medical needs should be considered as a

Black Death And The Black Plague
The Black Death, also known as the Black Plague, was one of the most deadliest diseases of all time.
This disease came to Europe around 1347 C.E, by merchants from East Asia. The Black Plague then
spread all across Europe, and killed over 25,000,000 people. The Black Death had its effect on many
things. The peasant and noble differentiation was realized to be bogus, the belief in religious
authorities came under question, and poor people actually benefited from the Black Death. After the
epidemic declined there were a few outbreaks of the disease later on, but that also came to an end.
Nevertheless, its impact lasted for centuries.
The Middle Ages in Europe was from 500 to 1500 C.E. The Middle Ages consisted of population
growth, developing existing ideas, and creating new ones. Before the Black Death spread to Europe in
1347 C.E, their was a massive increase in population. The population increased from 25,000,000
people to 75,000,000, between 950 and 1250 C.E. There was at least 80,000,000 people in Europe by
the time the Black Death struck. There were also many economic developments to support the people
living in Europe. Commerce, manufacturing and travel became more progressive, and many more
towns were built, as well as cathedrals and mosques. But the drastically increasing population became
to much to handle for the economy of Europe, that some people say the strike of the Black Death,
causing millions of deaths, was a blessing.
The origin of the Black Death was

The Fundamental Process of Turning Sugar in Energy
One of the most fundamental processes of life is the ability to turn sugar into energy. Our cells have
the ability to carry out this process both aerobically and anaerobically. Although anaerobic respiration
does not produce the amount of energy that aerobic respiration does; it is still a very important
process, because it allows cells to turn sugar into useable energy in the absence of oxygen. (Lab 15:
Fermentation Experiments: Background) This is done though a process called fermentation.
Fermentation consists of glycolysis plus reactions that regenerate NAD+ by transferring electrons
from NADH to pyruvate. (Campbell and Reece 173 178) There are many different types but we
happen to be interested in alcohol fermentation, which is carried out by bacteria and yeast. (Reiner) In
alcohol fermentation sugar is broken down and turned into carbon dioxide and ethanol. Knowing this
we can measure the amount of carbon dioxide produced and get an idea of how quickly the reaction is
running. (Campbell and Reece 173 178) Glucose is one of the most abundant carbohydrates on earth
and therefore is generally the sugar involved in fermentation. (Ophardt) It is a monosaccharide with a
six membered ring structure ( Simple Sugars: Fructose, glucose and sucrose ) Fructose and sucrose are
two other common simple sugars found in many of the foods we eat. Fructose is very similar to
glucose only it is made up of a five membered ring. And sucrose is a disaccharide; it is a combination

Asian American Ethnic Studies Essay
As the immigrant population currently projected to overtake latinxs and hispanics as largest group of
residents in the United States of America, Asian Americans have shown their will to survive in a way
that many groups have not, and that is by banding together in order to achieve the life they deserve.
Taking the overgeneralization of pan ethnicity and using it as a device for increased numbers and
support for the causes of a group of people who otherwise may not have much to do with each other,
is a testament to how vulnerable they must have felt as well as how successful they have managed to
be many aspects of progress. What I have gained from this course is the understanding that at the root
of ethnic studies and the Asian American community is the for us, by us sentiment that contributed to
the blurred lines between the different part of their communities as social, political and cultural,
structures, collectives and groups which came out of an obligation and necessity to protect those
immigrants and their future generations from a country which has always pushed European superiority
in all aspects of society.
The Asian American Community s Impact on Ethnic Studies Programs: A Look at AAPI s
Relationship with Schools as Social ... Show more content on Helpwriting.net ...
A quote like this really resonates with certain people, but the fact that it has been proven time and time
again that people are not equally represented underscores the odds stacked against certain
demographics within the systems which at their most ideal are meant to embody the best of those who
are a part of them, namely in this case, schools. Asian American students involvement with the Third
World Liberation Front (TWLF) in the fight for Ethnic Studies programs in California s Bay Area for
me, highlighted the influence Asian Americans could have on representation in their social

Whole Foods Markets
Abstract
This paper examines the published case study Whole Foods Markets, 2005: Will There Be Enough
Organic Food to Satisfy the Growing Demand? (Hitt, Ireland and Hoskisson, 2007, p. C534).
Although the published study addresses numerous aspects of Whole Foods Market s business as a
leading international retailer of natural organic foods, the analysis provided herein is focused on
Whole Foods Market s ability to meet future growth demands. This paper explores Whole Foods
Market s basic internal environment with subsequent application of Porter s Five Forces Model of
Competition followed by a related Strength Weakness Opportunities Threats (SWOT) breakdown...all
used to determine critical market success factors and looming challenges ... Show more content on
Helpwriting.net ...
Whole Foods has also invested in modern information systems which have enabled the company to
promote efficient communications (described in more detail below). With a well established and
accepted vision, mission and market strategy, Whole Foods organization appears cohesive and has
maintained its core business focus throughout its remarkable growth and expansion. Physical
Resources With 270 retail locations each ranging from 45,000 to 75,000 square feet, nine distribution
centers, five commissaries, nine regional bake houses and subsidiaries whose operations encompass
coffee production, seafood processing and produce field inspections, Whole Foods has substantial
capital investment in plant and property totaling over $1.6 billion (Whole Foods 1, n.d., p. 1) and
(MSN Money, 2008, p. 3). Whole Foods also boast a sophisticated distribution system with retail
outlets targeting affluent urban areas with higher income and education demographics. Technical
Resources Whole Foods has made significant investments in technology to support operations and
connectivity in all facets of its business units. In 2003, Whole Foods signed a 3 year multi million
dollar contract

Pompeii Research Paper
Every day natural causes contribute to the slow demise of Pompeii. For example, seasonal temperature
fluctuations damage ruins and artifacts, sunlight bleaches wall frescos, and torrential rains potentially
flood and collapse buildings. The interiors of buildings are vulnerable to dampness, especially the
walls and floors that house ancient artifacts, frescoes, and mosaics. Besides the effects of weathering,
inadequate excavation, restoration and conservation practices have contributed to the slow demise of
Pompeii (Amery 8). This paper examines the history of inappropriate excavation practices at the
historic site of Pompeii, which has brought further dilapidation of the city over the centuries. The
paper also considers the consequences ... Show more content on Helpwriting.net ...
The newly rediscovered city of Pompeii received significant attention during this era, as people
became interested to see the works of art displayed at the site. For the first time in 1764, Pompeii
received worldwide media attention from the discovery of the Temple of Isis, which attracted droves
of visitors to Naples. In 1771 visitors to the area increased, especially after the discovery of Via delle
Tombe, which contained the encased bodies of 18 women and children huddled on the temple s porch
(Amery 37). After 1860, significant work continued and the city was divided into nine topographical
regions so buildings could be identified and located on maps for easy access. To date, out of the 165
acres, two thirds of the area (110 acres) has been unearthed. The southwestern part of the city contains
the forum; it is the oldest part of the city that dates back to 6th century BC (World Heritage

How Does Smith Use Satire In A Modest Proposal
Jonathan Smith s A Modest Proposal uses certain literary strategies throughout his essay to portray his
opinions on the condition of the Irish Catholics. At first glance, his arguments and use of language
may seem quite ridiculous and even horrifying. However, his true intention does not seem to be to
convey a straightforward opinion. Instead, Smith employs a more ironic and satirical tone throughout
his writing in order to portray . Jonathan Smith expresses his thoughts in his writing with satirical
technique through his discussions containing exaggerated descriptions, economic reasoning, and
parodies of political messages. Smith s proposal is so distasteful that it would seem offensive;
especially during the time period in which it was written. However, this was done in order to show
how ridiculous and offensive the rich English Protestants seem with their abuses on Irish Catholics.
One such example of the mockery he uses is when he suggests that, this food will be somewhat dear,
and therefore very proper for the landlords, who as they have already devoured most of the parents,
seem to have the best title to the children, (Smith). Smith seems to be fully aware of how offensive he
sounds and wants to have his offensive plan associated with the rich in order to convey that the nature
of the rich is just as distasteful as ... Show more content on Helpwriting.net ...
His proposal is so absurd that his attempt to support it with practical reasons just increases its
absurdity and irony. He does this very frequently throughout his writing, such as in his discussion of,
the money will circulate among our selves, the goods being entirely of our own growth and
manufacture, (Smith). The irony in this is contained in the fact that he is averting from writing about
the more brutal consequences of using infants for food consumption and only focusing on the benefits
when the safety of people should be placed on higher priority than

Relationship Between Societies Of Today And The Environment
An interdisciplinary program presented is an investigation of the relationship between societies of
today and the environment they/we live in. In my focus particularly are societies of the Westernized
parts of the world. Their activities within, attitudes towards, values regarding and comprehensiveness
of the complexity of the environment they live and operate in. Consequently, my personal goal is to
gain a deep knowledge of the interconnectedness of human activity and alterations it does to the
environment. Equally, I also aim to understand how attitudes and values (towards the environment)
are passed from generations to generations. After successfully accomplishing studies, my goal is to
collaborate with the representatives of the younger generations to and promote awareness of their
deportment on the more global scale. Academically, my strategy is to pursue Individualized Major in
Environment and Society and to successfully accomplish Minor in Psychology withal. Environment
and Society as a traditional Major is offered at the University of California, Berkley and at the
University of Minnesota. To enhance the experience of the Individual Major, during the Junior and
Senior years at Emmanuel College, I aspire to attend Environmental Forum provided every spring by
Colleges of Fenway. As a capstone experience I foresee myself undergoing an internship in a locally
based Education Outreach Program2. On this matter, I would like to accentuate that driven by my
interest I am

Lydia Cruz-Moore
This case involves five employees from a nonprofit organization. One of the employees named Lydia
Cruz Moore complicated to another coworker named Marianna Cole Rivera via text message about
contacting an agency executive director about the fact that she is doing more than anyone else at the
organization. After Cole Rivera replied to Cruz Moore text message she then went onto her Facebook
and asked other coworkers to comment their thoughts about Cole Rivera s criticism about their work
and added that she about had it (O Brien, C. N. 2013). Employees started to exchange their frustration
about Cruz Moore s criticism. A director of HUB soon followed up with the Facebook post. Cruz
Moore commented on Cole Rivera s post stop with your lies about me , She then brought the entire
Facebook exchange to the executive director s attention (O Brien, C. N. 2013). The employees who
were involved were terminated for bulling and harassment of Cruz Moore. Cruz Moore had suffered a
heart attack as a result of this incident. The NLRB ruled that HUB violated the NLRA by discharging
the five employees, because the employees were engaged in protected concerted activities for the
purpose of mutual aid or protection under Section 7.167 (O Brien, C. N. 2013). Employers were
ordered to reinstate employees with back pay because the discharges were motivated by the employee
s protected concerted activity. 2. ... Show more content on Helpwriting.net ...
Agree or Disagree? I do agree with the decision of the National Labor Relation Board to reinstate the
employees. The reason been is because there was no reasonable business reason to terminate the five
employees. Also, there was no indication that the workers harassed Cruz Moore in disruption of a
policy that referenced race, color, sex, religion, age, disability, veteran status, or other prohibited

The Act Of 2001 ( Usa Patriot Act, Or Usapa )
After the 2001 September 11th attacks on the world trade center the nations homeland security
policies had to be reinforced. The awkwardly titled so as to unite and Strengthening America
Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA
PATRIOT Act, or USAPA) presented a plenty of administrative changes which altogether expanded
the reconnaissance and investigative forces of law authorization organizations in the United States.
The Act did not, in any case, accommodate the arrangement of balanced governance that generally
protects common freedoms despite such enactment. Authoritative recommendations in light of the
terrorist assaults of September 11, 2001 were presented not exactly a week after the assaults. President
Bush marked the last bill, the USA PATRIOT Act, into law on October 26, 2001. Despite the fact that
the Act made critical corrections to more than 15 imperative statutes, it was presented with awesome
flurry and went with little verbal confrontation, and without a House, Senate, or meeting report.
Therefore, it needs foundation authoritative history that regularly reflectively gives important statutory
understanding. The Act was a trade off form of the Anti Terrorism Act of 2001 (ATA), an expansive
authoritative bundle planned to fortify the country s protection against terrorism. The ATA contained a
few procurements incomprehensibly growing the power of law authorization and knowledge
organizations to screen private

Rainbow Six By Tom Clancy, And Rainbow Six, By Dmitry...
For many, high school is the last time one spends any large portion of time reading, discussing and
analyzing novels. This means that this is the last chance for these students to develop important
literacy skills. While literacy skills such as reading critically are important, the Ontario Ministry of
Education clarifies that Literacy is about more than reading or writing it is about how we
communicate in society. It is about social practices and relationships, about knowledge, language and
culture, (Ontario Ministry of Education 3). The novels read in school form a big part of learning about
these topics and developing compassion and understanding across society and therefore, should be
chosen carefully to maximize the development of students as citizens of the world. Rainbow Six by
Tom Clancy and Metro 2033 by Dmitry Glukhovsky should not be taught in schools because they
demonstrate values which do not promote cultural tolerance. They demonstrate negative attitudes
toward the marginalized communities, glamorize gun use and focus only on a man s view of the
world.
Rainbow Six follows a newly instated international terrorist fighting team called Rainbow. The two
field teams that make up Rainbow are entirely made up of men. Their head is John Clark. They live
with their families on a base that employs men and women in positions such as administration, utility
repair and housekeeping. Their first semi mission happens as some team members are travelling to the
base. A

Candide Essay
Candide Essay
Compare/Contrast of 2 Characters
Throughout the story of Candide, the author Voltaire uses many of the characters to portray important
things in life. The two characters that Voltaire used the most were Candide and Pangloss. Voltaire used
these two characters to represent a particular idea or folly that he had about the world. In the story
Candide, Voltaire is always portraying his own ideas by using the characters to illustrate his own
ideas. Candide and Pangloss represent the main idea of the story, which is Voltaire s folly of optimism.
Even though they both represent the main idea of the story Candide and Pangloss have many
similarities and differences.
Before getting into the comparison and contrasting here is a ... Show more content on Helpwriting.net
...
Pangloss is the teacher of Cunegonde and Candide. Pangloss is a philosopher and supposed to be a
very educated man. Pangloss teaches Candide all about this certain philosophy that he himself lives
by. Voltaire explains Pangloss s philosophy like this, Pangloss gave instruction in metaphysico
theologico cosmolo nigology. He proved admirably that there cannot possibly be an effect without a
cause and that in this best of all possible worlds the baron s castle was the most beautiful of all castles
and his wife the best of all possible baronesses. It is clear, said he, that things cannot be otherwise than
they are, for since everything is made to serve an end, everything necessarily serves the best end.
Observe: noses were made to support spectacles, hence we have spectacles. Legs, as anyone can
plainly see, were made to be breeched, and so we have breeches. . . . Consequently, those who say
everything is well are uttering mere stupidities; they should say everything is for the best(pg. 4) What
Voltaire is trying to explain here is that Pangloss thinks that everything happens for a reason and even
though it may be something bad, it happens for the best. Pangloss teaches this philosophy with a
strong emphasis and he really believes in it.
In comparing these two characters, Candide and Pangloss have many similarities. One of the main
reasons for this is because Pangloss is Candide s philosophical teacher and Candide

Attachment 1. Competitive Analysis. . 1.Who Are Our Major
ATTACHMENT 1
Competitive Analysis
1. Who are our major brand, product, generic, and total budget competitors?
Our major competitors are S.C. Johnson and company (3 different products), Gillette, White Labs, and
Inverness Corporation.
2. What are our competitors key strengths and weaknesses? Our competitors key strengths and
weaknesses are that they, for the most part, have a cheaper price for the same amount of product,
however, they don t offer all of the same benefits that we do.
3. What are our competitors key marketing capabilities in terms of products, distribution, promotion,
and pricing? Their price is cheaper and their distribution is much better due to better manufacturing
capacity.
4. What response can we expect from ... Show more content on Helpwriting.net ...
ATTACHMENT 3
Customer Environmental Analysis
1. Who are our current and potential customers?
What are the demographic, geographic, and psychographic characteristics of our customers?
a. Based solely on the fact that the shaving gel is considered high end, the customers of the products
are middle class and beyond women who shave regularly and want a gel that contains a moisturizer,
reduces irritation, and makes shaving easier
Who purchases our products? Who are the users of our product? Who influences the purchase of our
product? Are the needs of these groups different?
a. The main purchaser of our product is adult women over the age of thirteen who have gone through
puberty and have made the decision to shave their legs and underarms. Husbands and children will
influence the purchase of the product because of household income. The needs of these groups are not
different.
Who is financially responsible for making the purchase?
a. The woman who is purchasing the product is financially responsible. However, parents or spouses
could be financially responsible as well.
2. What do our customers do with our products? What needs do we satisfy?
In what quantities and in what combinations are our products purchased?
a. As of right now, our product can be purchased in a 5.5 ounce tube. However, once repackaging
happen our product could be purchased in a 5.5 ounce or 10 ounce aerosol can.
Do segments vary on their purchase and

Battle Of Chickamauga
The Battle of Chickamauga, fought September 19 20 1863, marked the end of a Union in southeastern
Tennessee and northwestern Georgia called the Chickamauga Campaign. With 16,170 Union and
18,454 Confederate casualties, the Battle of Chickamauga was the second disastrous battle of the Civil
War, ranking only behind the Gettysburg, and was by the deadliest battle fought in the west. With the
tenacious attitude of winning the battle, Braxton Bragg s Army of Tennessee defeated a Union force
commanded by General William Rosecrans in the Battle of Chickamauga, during the American Civil
War. After Rosecrans troops pushed the Confederates out of Chattanooga early that month, Bragg
called for reinforcements and launched a counterattack on the banks

Causes Of The 2008 Financial Crisis
The year 2008 was a horrendous year for most, in terms of money. The housing bubble deflated and
the steep drop in prices sent both institutional investors and average investors into financial turmoil.
There is quite a bit of controversy as what actually caused the housing bubble, but in this essay we
will be using the explanation given by John C. Coffee Jr. Here he identified various factors that
worked in tandem to subsequently cause the financial crisis of 2008. The first was the systematic
failure by what he termed a gatekeeper. Which he later defines as financial institutions that provides
verification for investors. In this instance the gatekeeper was the credit agencies who failed to appraise
the actual value of the mortgaged backed ... Show more content on Helpwriting.net ...
To begin with, the industry must ever vigilant of the issues of asymmetric information. While there is
no doubt that mortgages brokers did disclose the terms of their loans whether fixed or adjustable;
foreclosure and transparency may not always be synonymous. To say you have disclosed financial
information in a voluminous document written in esoteric financial jargon doesn t constitute financial
transparency. In addition, by the end of the mortgage crisis much of what would be constituted of due
diligence constituted only a credit check. Although consumer credit behavior can forecast a lot; it
doesn t necessarily give a holistic assessment of risk with the borrower. Another layer that added to
this complex financial meltdown involves the bundling of mortgages securities graded according a
uniform fashion, yet deriving its value from the underlying security (i.e. property on the borrower).
This lead to the bundling of assets that cross contaminated one another and created a toxic
environment for investing. Finally, we must ask ourselves if bailing out large financial institutions that
chose to take risk was a feasible solution. I personally would have liked to have seen a solution similar
to that which was implemented under the Regan administration to resolve the S L crisis in 1980s. As a
policy maker my approach would have been as follows: my first objective would have been to
stabilize the real estate market instead of providing an enormous pool of liquidity to bail out investors,
I would have targeted homeowners directly. Homeowners would have been able to get a third party
appraisal from which to reset their loans. The government would have paid off their loan and
refinanced at the new market value at a fixed rate, with the understanding that a capital gain tax of
10% would be applied to any equity beyond the new value at which the property was

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