I think there were many factors that led to the financial crisis.  There were both moral and cognitive theories.  In the moral failure the executives were caught up in maximizing their own profits instead of doing what was best for the company.  They received incentives to give out loans that they should not have morally given out.  The credit agencies were also a big factor in the crisis.  The rating agencies were rating bonds AAA or AA when they did not make the standards of being AAA or AA.  The people responsible for the crisis did not know what they were causing as an increase in housing ownership made people think there was a positive sign of the economy, when in reality it wasn't.   I believe everyone is a little responsible for the financial crisis.  The greedy CEO's were  looking to maximize their own salaries, Congress was loosening their loan requirements, credit agencies were not rating bonds at their appropriate rate, Fannie Mae and Freddie Mac lowered their standards to compete, and individual borrowers did not appropriately research their investments or know that they cannot afford all the loans they are getting. I tnink the financial crisis was brought on by more of well-intentioned individuals than greed.  I don't think people really understood the repercussions of their actions.  Nobody thought the housing market, one of the most reliable systems would fail like it did.  The underlying factor might have been greed as every mistake made was a step to the financial crisis. “Ryan Thurston” The credit crisis had many reasons for its cause, moral and cognitive. Morally there were executives that didn’t look at the best interest of the firms they worked for, but instead made decisions for their own salaries and benefits. Credit agencies also had a moral problem when it came to giving out their ratings. They were too generous in handing out AA and AAA ratings so that they get paid by the bond issuers. Cognitively, many people believed that everybody owning a home was a good thing and that the economy was doing great. Many executives and lawmakers believed the same thing.             There is no single person responsible for the credit crisis. But all the individuals and groups put together are to blame. Credit agencies giving risky risky ratings, uneducated borrowers, greedy CEO’s and other employees, and even Congress can be blamed for the crisis.             I don’t believe that we can blame just greed or ignorance for the actions that led to the crisis. It is both, but I do believe that it all started with just ignorance of what was being created. Then I think it developed into willful ignorance for most of the people involved with it, while others knew there was no way it would work in the long run and their greed let them continue it. “Caleb Howard” Major factors that contributed to the financial crisis: The executives trying to fatten their pockets by offering as many housing loans as possible and not taking into cons.

1. I think there were many factors that led to the financial crisis.
There were both moral and cognitive theories. In the moral
failure the executives were caught up in maximizing their own
profits instead of doing what was best for the company. They
received incentives to give out loans that they should not have
morally given out. The credit agencies were also a big factor in
the crisis. The rating agencies were rating bonds AAA or AA
when they did not make the standards of being AAA or AA.
The people responsible for the crisis did not know what they
were causing as an increase in housing ownership made people
think there was a positive sign of the economy, when in reality
it wasn't.
I believe everyone is a little responsible for the financial crisis.
The greedy CEO's were looking to maximize their own salaries,
Congress was loosening their loan requirements, credit agencies
were not rating bonds at their appropriate rate, Fannie Mae and
Freddie Mac lowered their standards to compete, and individual
borrowers did not appropriately research their investments or
know that they cannot afford all the loans they are getting.
I tnink the financial crisis was brought on by more of well-
intentioned individuals than greed. I don't think people really
understood the repercussions of their actions. Nobody thought
the housing market, one of the most reliable systems would fail
like it did. The underlying factor might have been greed as
every mistake made was a step to the financial crisis.
“Ryan Thurston”
The credit crisis had many reasons for its cause, moral and
cognitive. Morally there were executives that didn’t look at the
best interest of the firms they worked for, but instead made
decisions for their own salaries and benefits. Credit agencies

2. also had a moral problem when it came to giving out their
ratings. They were too generous in handing out AA and AAA
ratings so that they get paid by the bond issuers. Cognitively,
many people believed that everybody owning a home was a
good thing and that the economy was doing great. Many
executives and lawmakers believed the same thing.
There is no single person responsible for the credit
crisis. But all the individuals and groups put together are to
blame. Credit agencies giving risky risky ratings, uneducated
borrowers, greedy CEO’s and other employees, and even
Congress can be blamed for the crisis.
I don’t believe that we can blame just greed or
ignorance for the actions that led to the crisis. It is both, but I
do believe that it all started with just ignorance of what was
being created. Then I think it developed into willful ignorance
for most of the people involved with it, while others knew there
was no way it would work in the long run and their greed let
them continue it.
“Caleb Howard”
Major factors that contributed to the financial crisis: The
executives trying to fatten their pockets by offering as many
housing loans as possible and not taking into consideration at
what costs there may be to pay in the future for such acts.
Credit ratings for market securities were being flourished to
have the appearance of doing well beyond what they were
actually worth. Those that were doing the credit ratings were
benefiting financially by making inaccurate readings. Capital
regulations of banks were being quite lenient on the borrowers
by not requiring pertinent information to offer loans, such as
credit history and financial statements of the borrowers. By not
requiring such information, some borrowers were able to
acquire loans that they may have been unable to do so in the

3. past, which may have resulted in defaulting on these loans.
I believe that all parties are responsible for the financial crisis,
however, some more than others would be considered at fault.
First, I considered the capital regulations to be at fault due to
the fact that they were rewarding banks for taking the risks and
increasing the amount of mortgage securities. Also, they were
being careless with offering loans by not requiring pertinent
information from the borrower to ensure they were going to be
paid. Secondly, the borrowers could be considered the highest
at fault because they took advantage of the loans being offered.
Some borrowers probably should not have been borrowing due
to the fact that they knew they would not be able to pay these
loans back. Others fell for the bait that was being danced in
front of them and not considering the old saying of "too good to
be true."
I think greed was the biggest factor being played by all parties
involved because everyone was wanting to increase their own
wealth. Mistakes made could have been corrected at that time
had they not been more worried about wealth rather than
looking to how it would affect future outcomes.
“Nina Lindsey”
Assignments 1-3.rtfd/TXT.rtf
Assignment #1 ($25)
Visit a local restaurant that has a designated bar area and
complete your evaluation. This evaluation should include
objective observations as discussed in various chapters in your
textbook. NOTE: You are not required to consume alcohol or
food during your visit and will not be reimbursed for any
expenses.
Please attach a photograph of the exterior of the restaurant and
a take-out menu and submit with your completed assessment.

4. Please behave professionally and try to complete your
assessment conspicuously.
The evaluation is the one below :
Restaurant/Bar Visit Evaluation Project
Instructions:
Visit a local restaurant that has a designated bar area and
complete your evaluation.
This evaluation should include objective observations as
discussed in class.
You are not required to consume alcohol or food during your
visit and will not be reimbursed for any expenses.
Please behave professionally and try to complete your
assessment conspicuously.
Completed by: ______________________________________
Student ID: ____________________
Facility Name & Address:
_____________________________________________________
________________________
Date & Time visited: ______________________ Number of

5. guests _________ First time? ____ Yes ____ No
Question:
Point Received:
Maximum Score:
Exterior
Signage: Visible, well lit, and in good condition?
10 points.
Lighting: Maintained and appropriate?
10 points.
Parking Lot: Maintained and clean?
10 points.
Building: Maintained and clean?
10 points.
Windows: Clean and free of cracks?
10 points.
Main Entrance: Maintained and clean?
10 points.
Interior/Dining Room
Waiting area: Maintained and clean?
10 points.

6. Floors: Clean and in good condition?
10 points
Décor: Good condition and appropriate?
10 points.
Lighting: Maintained and appropriate?
10 points.
Safety: Exit signs well lit and visible?
10 points.
Furniture: Clean and in good condition?
10 points.
Music: Appropriate sound levels and style fits theme?
10 points.
Atmosphere: Temperature fine, heaters/a.c. functioning?
10 points.
Restrooms: Clean, odor-free and in good condition? Stocked?
10 points.
Staff: Properly presented, neat and clean appearance?
10 points.
Efficiency: Staff moving about and staying productive?
Helping others?
10 points.
Overall Service: Urgent, fast and friendly service delivery?
Attentive to needs of the guests?
10 points.

7. Summary:
_____________________________________________________
_______________________________________________
_____________________________________________________
_______________________________________________
_____________________________________________________
_______________________________________________
_____________________________________________________
_______________________________________________
(Continued…)
Question:
Point Received:
Maximum Score:
Bartender Services
Friendliness: Bartender was friendly and personable towards
guests?
20 points.
Service: Pouring method within operating controls and
followed correct recipes?
10 points.
Sales ability: Bartender offered menu or tried to sell
appetizers?
20 points.
Safety: Bartender using ice scoop at all times?
10 points.

8. Honesty: All drinks properly recorded immediately after
service?
10 points.
Honesty: Giving away free drinks by bar staff not observed?
10 points.
Sales ability: Additional drinks were offered at appropriate
times?
10 points.
Honesty: Bartender charged the appropriate amounts for all
dinks served?
10 points.
Laws: Bartenders observed all state liquor laws to the fullest
including over serving, identification checking?
10 points.
Laws: Current ABC liquor license current and posted in public
view?
10 points.
Cleanliness: Bar top and back bar were clean and organized?
10 points.
Cleanliness: Was unoccupied bar cleaned in a timely manner?
10 points.
Cleanliness: Empty glassware cleared in a timely manner?
10 points.
Organization: Bar seemed well organized and running
smoothly?
10 points.

9. Hygiene: Bartender not eating or drinking behind the bar?
10 points.
Appearance: Bartender dressed professionally with proper
hygiene?
10 points.
Summary:
_____________________________________________________
_______________________________________________
_____________________________________________________
_______________________________________________
_____________________________________________________
_______________________________________________
_____________________________________________________
_______________________________________________
___ / 360 = _____ %
___ / 360 = _____ % Overall Score:
Assignment #2 ($25)
For this project, you are to interview a meeting professional of
your choice. This means you are to contact a meeting
professional and request about 10 minutes of their time for an
informational interview. This can be done over the phone or in
person. Your project should be submitted in a question/answer
format. Before you begin, please have the following prepared:
Review the questions below so you are familiar

10. with what you are asking.
Research and create two – five questions to ask
(per #5 below) that will be specifically valuable to you.
Prepare your resume so that you can give it to the
person you are interviewing for feedback (you are not asking
for a job here, just feedback on your resume.) (I am happy to
review your resume before your interview and give my feedback
first if you would like to email it to me.) Follow the format
below noting that the questions are to be included in the
question/answer format.
State the Individuals name, company, phone
number and how long they have been in their current position.
Also include why you chose this person and how you contacted
them. Write out the questions below with the answers received.
(Point Value = 1-5)
What is a typical day in your job and what are your
duties/functions/responsibilities? (Point Value = 1-10)
What kinds of challenges do you deal with in your job? (Point
Value = 1-10)
Why did this type of work interest you, and how did you get
started? (Point Value = 1-10)
What jobs, education and experiences have led you to your
present position? (Point Value = 1-5)
Determine and ask two to five questions (which you create) of
your choice that may be of value to you specifically. (Point
Value = 1-10)
Would you mind taking a look at my resume and giving me
some feedback? (Point Value = 1-5)
Write a one page reflection on what you gained
from this experience, what may have surprised you and any
include any other valuable information you would like to share
about this experience. (Point Value – 1 – 15)
NOTE: CHOOSE A MEETING PROFESSIONAL, MEANING
SOMEONE WHO COORDINATES THE MEETINGS AND
EVENTS AT A SPECIFIC PLACE. EITHER A HOTEL, A
COMPANY, ANYTHING. IT SHOULD NOT BE A FAMOUS

11. PERSON. ALSO CREATE THE INTERVIEW SINCE YOU
WON’T ACTUALLY BE GETTING IN CONTACT WITH THE
PERSON.
Assignment #3 ($30)
Create a Risk Management Plan for your Trade Show. The Risk
Management attachment is an example from a previous student.
Do not copy verbatim - adapt to your trade show.
Purpose: To familiarize the students with the necessity of
planning for the safety and security of attendees
Attached is a Risk Management PDF as an example. Do not
copy it.
__MACOSX/Assignments 1-3.rtfd/._TXT.rtf
Risk Management
Risk Team Leads and Contact List
Stefania Gemignani: Lead Coordinator – (650) 555-1234
Sally Sue: Emergency Lead – (650) 555-5678
Jeff Deer: Technical Lead – (650) 555-9123
Tracy Crew: Disaster Lead – (650) 555-4567
Response Support and Contact List
Stefania Gemignani: Lead Coordinator/Support – (650) 555-
1234

12. Sally Sue: Emergency Lead/Support – (650) 555-5678
Jeff Deer: Technical Lead/Support – (650) 555-9123
Tracy Crew: Disaster Lead/Support – (650) 555-4567
Jessica Tea: Support – (650) 555-8912
Dean Smith: Support – (650) 555-3456
Cory Spell: Support – (650) 555-7891
Elizabeth Frank: Support – (650) 555-2345
Types of Risks
Emergency Response Plan

13. Accidents and Medical Emergencies
PRIORITY STATUS: HIGH
c reactions
Risk Preparations
Accidents and Medical Emergency Lead will be responsible for
ensuring all preparations are
made, monitored and status reported to lead coordinator daily.
management to go over their established
accident and medical emergency
procedures.
posted within event
management areas.
incident reporting, and proper
manners while attending to emergencies.

14. clear marked
dietary needs, and medical
conditions.
o Use collected data to notify appropriate team members and
facility staff.
-through twice daily to ensure facility and
environment have minimal
hazard and obstacles, and if any are found ensure proper
signage, labeling, and/or remove
from attendee access.
-attendee persons, unusual behavior,
change in health etc.
Actions if Risk Occurs
Accidents and Medical Emergency Lead will be responsible for
conducting response, working
with victim, and giving directions to response team.
communication device

15. member is given duty to notify EMS(911) ,
locate and deliver them to the
scene
reports
ith victim until EMS arrives
Technological Events
PRIORITY STATUS: MEDIUM
Risk Preparations
Technological Event Lead will be responsible for ensuring all
preparations are made, monitored

16. and status reported to lead coordinator daily.
procedures
old meeting with risk management team to go over plan
-to-date and running every
morning prior to registration
opening.
-Fi, firewalls, and security is running
day
end of day
documents and supplies to run
event without the need for computers if necessary
locations of power boxes and
generators

17. radius
ch support contact list for attendees
Actions if Risk Occurs
Technological Event Lead will be responsible for conducting
response and working with
supports.
o If computer system or part of the computer system crashes,
use back up hard
drives of cloud to restore
o Resort to hard copy documents and manual registrations if
necessary
o Contact IT for support
o Move all attendees to one open safe predetermined location
o Check power boxes and generators
o Response team members communicate and keep attendees
calm
o 1 response team member is given duty to obtain power outage

18. kit and first aid
kit.
o Communicate with facility staff for updates
o Have list of local bank branches and ATM in a 5 mile radius
available for
attendees
o Notify Facility management
o Contact proper supports to fix ATM
Disaster Events
PRIORITY STATUS: LOW
Risk Preparations
Disaster Event Lead will be responsible for ensuring all
preparations are made, monitored and
status reported to lead coordinator daily.

19. procedures
eather reports daily three weeks prior to the event
and each day during the event
within event management
areas.
st aid and CPR training
incident reporting, and proper
manners while attending to emergencies.
to give to all attendees.
Actions if Risk Occurs
Disaster Event Lead will be responsible for conducting
response, working with local response,
and giving directions to response team.
team via

20. communication device
calm
and ensure all alarms going
zones
4 response team members given duty to divide attendee list to
conduct head count
o They will notify Lead of anyone missing
o Lead will notify Rescue Authorities

21. Local, Provincial, and Federal Ordinances
Local Contact Numbers
City Information: 311
Emergency: 911
Hilton Riverside New Orleans Hotel
All emergency procedures will be followed and used to base all
additional plans. All additional rules and
regulation in regards to safety will be followed and adhered to.
City of New Orleans
All forms of communication done by the city will be monitored
and checked for any alerts that affect the
area and/or event attendee. In case of emergencies all laws and
instructions given by the city’s
emergency authorizes will be supported and followed.

22. Permits
None are needed for this event.
Fire Department
New Orleans Fire Department (NOFD)
There are no circumstance within the event that need permits
from NOFD but the event will do its part
to reduce risk by:
ities
Crowd Control
Use of security, stanchions, signage throughout the venue, clear
communication, and produced
schedules and procedures given to attendees will be down to
ensure overcrowding is minimal. If
deemed necessary local authorities will be called for further

23. assistance.