Online Banking Research Proposal Example | Topics and Well Written Essays - 3000 words

Online Banking - Research Proposal Example Several studies have been conducted to with an aim of showing trends in the adoption of internet banking among adults and different geographic areas. Online banking services and products include both wholesale and retail products. Wholesale products are generally meant for corporate customers while retail and fiduciary products are meant for consumers. Online banking has become a popular and safe way for individuals, institutions and organizations to stay connected with their bank accounts. Online banking is mostly preferred above over-the-counter-banking since it is cheap and it offers the flexibility that is desired by clients (Hossein, 2004). It however also remains a high-risk subject considering that frauds are more easily conducted online and over remote distances than when banking activities are conducted offline. While several studies have been conducted on online banking, there is a clear gap that needs to be filled; how do different gender relate to internet banking. This study is therefore aimed at finding how different sexes respond to online banking. Of great interest is the ratio of online banking users in terms of gender, the specific services that are preferred by each sex and for what reasons other services are not preferred. Today's internet banking has succeeded distance banking services that were conducted electronically during the early 80s. The term online banking was commonly adapted inn the late 1980s to refer to the use of keyboard, monitor and a terminal to access the electronic banking system using a phone line. It was in New York in 1981 that online banking services began. The city's major banks Chase Manhattan, Citibank, Manufacturers and Chemical offered home banking services by use of the videotext system. United Kingdom's first online banking service was established by NBS (Nottingham Building Society) in 1983. The online system was based on the Prestel system, a television set, a computer and a telephone system. The system allowed viewing of statements online, bill payments, and bank transfers (John, Levine & Carol, 2007). In order for bill payment and bank transfers to be effected, written instructions had to be first sent to the NBS who then updated the Homelink system of the intended transaction. Many banks today offer secure, fully functional internet banking for a small fee or sometimes even free of charge. As online banking

U08d1, u08d2, u08d3 Coursework Example | Topics and Well Written Essays - 750 words

U08d1, u08d2, u08d3 - Coursework Example The Sun is not  massive  enough to ever evolve into a black hole; it will end its life in about 4.5 billion years as a white dwarf  star. But, in case if the Sun's mass was suddenly collapsed into a black hole then Earth's orbit then if a one  solar mass  black hole were to suddenly replace the Sun at the center of our solar system, the orbits of the planets would not change. This is because the physical laws that determine the orbital motion of the Earth depend only on the actual mass of the Sun, and not on whether it is distributed within a sphere (like the Sun) or at a point (like a black hole). 2. "There are 1011 stars in the galaxy. That used to be a huge number. But it's only a hundred billion. It's less than the national deficit! We used to call them astronomical numbers. Now we should call them economical numbers." —Richard Feynman, American physicist, Nobel Prize Laureate When we think of an astronomical number – we probably think of a sum thatâ€℠¢s almost beyond human comprehension. We probably refer to huge numbers as astronomical because of the vast and seemingly infinite universe. But the universe may not be as big as it seems when compared to something like the national debt. This quote has been said towards the backhanded critique of government. Furthermore,  we can say that there are at least 100 billion galaxies in the universe and each galaxy containing around 1 trillion stars. That’s 1 x 10^23 or 100 sextillion stars in the universe. Hence this comparison is done against the size of the national deficit. It's a good point, and economics can provide some slightly more familiar analogies to people grappling with large numbers than trying to contemplate entire galaxies. The important point here is not that high finance is catching up with the sciences; it’s that the numbers we encounter everywhere in daily life are growing steadily larger. While the consumer was busy saving, the Federal U. S. governmen t was piling on debt at a much greater pace. In fact, during Q2 of 2008 Washington accumulated debt at a 24.4% annual rate! Therefore, even though households and state and local governments have hopefully begun to learn their lessons; D.C. still managed to increase the overall level of non-financial debt in the U.S. to a record $35.45 trillion.† 3. Picture of the week How are the stars formed within the nebula? What is causing these dramatic pillars? What thoughts and reactions do you have to the pictures and their descriptions? All stars are formed from nebulae (the plural of nebula). Nebula is a term for a cloud of gas, and stars form from gas. Many nebulae or stars form from the  gravitational collapse  of gas in the  interstellar medium. As the material collapses under its own weight, massive stars may form in the center, and their  ultra violet radiation ionizes  the surrounding gas, making it visible at optical  wavelengths. Star formation  is the process b y which dense parts of  molecular clouds  collapse into a ball of  plasma  to form a  star. These eerie, dark pillar-like structures are actually columns of cool interstellar hydrogen gas and dust that are also incubators for new stars. The pillars protrude from the interior wall of a dark molecular cloud like stalagmites from the floor of a cavern. They are part of the "Eagle Nebula" M16, a nearby star-forming region 7,000 light-years away in the

Pollock, Gottlieb and Newman Essay Example | Topics and Well Written Essays - 500 words

Pollock, Gottlieb and Newman - Essay Example Varese’s music on the other hand emphasized timbre and rhythm where he group certain rhythm into a new definition of music called â€Å"organized sound†. Unlike Cowell who emphasized harmony and rhythm in his music, Varese treated music as a mere grouping of noises, which are sound we do not like, into a group that would make it pleasing to hear. The example of this was electronic music of which Varese was considered as the father, which was basically an assembly of industrial noise that became aesthetically pleasing to hear due to its arrangement and organization. The motivation of his music is organization to achieve musicality while Cowell was rhythm and harmony. The whole text of the quotation was â€Å"Where do we go from here? Towards theatre. That art more than music resembles nature. We have eyes as well as ears, and it is our business while we are alive to use them† (Cage, 1957 pg. 12). This quote embodied how John cage regarded theatre, performance or c oncept-driven works/compositions. He explored and encouraged the concept of indeterminism in his works which allows the appreciation of music not just those elements selected and prepared by the composer. This is reflected in his various works in theatre, performance and concept driven works as well as the number of devices he used to emphasize randomness in music. One of his notable works that reflects the indeterminism and the removal of personal preference is his 1952 composition titled 4†²33†³ where it was performed without any sound. .

Nick in the opening chapter of The Great Gatsby Essay Example for Free

Nick in the opening chapter of The Great Gatsby Essay Nick Carraway is the narrator of The Great Gatsby. He begins the novel by talking about himself: he says that he is very tolerant, and has a tendency to reserve judgment. The opening paragraphs teach us a lot about Nick and his attitude toward Gatsby and others. Nick introduces himself to us as a young man from the Midwest who has come East to learn. He tells us that hes tolerant, inclined to reserve judgment about people, and a good listener. People tell him their secrets because they admire and trust him. If you read closely, youll see that Nick has an uncertain feeling toward Gatsby, almost as if he himself (who knows the story and its ending) doesnt know what to expect. From the novels opening paragraph onward, this will continue create tension in Nicks narrative. He both loves Gatsby and is critical of him. He hates Gatsbys crass and vulgar attitude, but he also admires the man for his aspirations. Specifically, Gatsbys romantic readiness, and his extraordinary gift for hope.The reader realises that Gatsby presented, and still presents, a challenge or opposition to the way in which Nick is accustomed to thinking about the world. It is clear from the storys opening moments that Gatsby is not quite how he appears on the outside. Despite being vulgar, Nick describes Gatsbys personality as gorgeous.The novels characters are obsessed by class and privilege. Its the high-class lives that intrigue the common man, an idea which continues today with the footballers wives culture. Our first view of Tom Buchanan shows a powerful man standing in riding clothes with his legs apart on his front porch. The riding clothes are a classic symbol or high-status. Tom exploits his status. He is horrible, completely lacking positive aspects. His wife describes him as a big, hulking physical specimen, and he seems to use his size to dominate others. The fact that Daisy chooses to comment on his size rather than personality insinuates that there is nothing good about his personality to comment on. We are ushered into the living room with its frosted wedding cake ceiling, its wine coloured rug, and its enormous sofa on which are seated two women in white. They are Jordan Baker and Toms wife, Daisy Buchanan. Fitzgerald controls the whole scene through his use of colours. White and gold suggest a combination of beauty, cleanliness, innocence and wealth. Underneath this picturesque surface there is something wrong. Jordan is bored and unamused.  She yawns a few times. There is something slightly unpleasant about the atmosphere. The telephone rings, and Tom is called from the room to answer it. When Daisy follows him out, Jordan Baker confides to Nick that the call is from Toms woman in New York. Daisy Buchanan stands in contrast to her husband. She is frail and shy, and actually doesnt seem completely shallow. She laughs at every opportunity. This makes me wonder if its an awkward laugh, perhaps she doesnt feel she belongs there? Though she remarks that everything is in decline, she does so only in order to seem to agree with her husband. The visual purity of Daisy and Jordan stands in contrast to their actual decadence and corruption. Nick arrives home, and gets his first glimpse of Gatsby. Gatsby is standing on the lawn, stretching out his arms toward the dark water in a curious way. Nick believes that he can see Gatsby trembling. As Nick looks out at the water, he can see nothing except a single green light, minute and far away, that might have been the end of a dock. Bibliography -F Scott Fitzgerald, The Great Gatsby Ch. 1

Reread the exchange between Charlotte and Elizabeth about marriage. :: Free Essay Writer

Reread the exchange between Charlotte and Elizabeth about marriage. How does this section of the novel provide a foundation for the novel’s central messages regarding marriage? In Jane Austen’s novel ‘Pride and Prejudice’ one of the main themes through out is marriage. In the exchange between Elizabeth Bennett and her friend Charlotte Lucas in Chapter six two main views on marriage are bought to the forefront. Charlotte gives the view that marriage is more of a necessity so that women can have financial stability, whereas it is evident that Elizabeth believes marriage should be a union of two loving people and a lasting emotional situation. Charlotte’s view is that she will marry Collins because she needs to hold her situation financially and socially, and not because of any mutual feeling of love between them. She thinks that it is neither necessary nor beneficial to know some one well or to particularly like some one before you marry them. ‘Happiness in marriage is entirely a matter of chance’ says Charlotte. She then also says ‘I should think she has a good a chance of happiness as if she were to be studying his character for a twelvemonth’. By saying this, she is implying that it doesn’t matter how well you know someone before you marry him or her, as it will make no difference to whether or not it is a happy marriage. Charlotte even goes a step further and states that people ‘always continue to grow sufficiently unlike afterwards to have their share of vexation’ meaning that it might be worse to know someone well before marriage. This interpretation is affirmed when Charlotte says ‘It is better to know as little as possible of the defects of the person you are going to spend the rest of your life with’. The view that Charlotte puts forward in Chapter six was a common opinion held in the late 18th and early 19th century. Many women who were part of the middle classes were often not sent to school and so didn’t usually learn a skill that they could use to make a living. Consequently, as they were women and so were often not left much, if any, inheritance when their parents died, women found that they must marry in order to have money and to keep their place in society. Charlotte takes advantage of her situation to marry purely for money and not for love, this is what many women did and what society encouraged. Elizabeth’s views are a contrast to Charlotte’s. Elizabeth believes that to have happiness in marriage there must be love.

Steam-powered Boilers

Boilers are closed containers where a fluid is heated to generate steam above the atmospheric pressure (Steingress, 2001 5). Thus, they are often called steam-powered boilers since the steam they generate is utilized as a source of energy such as electricity. Boilers have two primary parts. These are the compartment for fuel combustion and the other compartment for evaporation of water to produce steam (Prasad). The steam produced then, leaves the water compartment and is used for various purposes (Steingress, 2003 4).The main materials for boiler construction can be carbon steel, stainless steel, brass or cast iron. These materials are used since they are not flammable and they are good conductors of heat. Inside the boiler, combustion of fuels such as wood, coal, natural gas or oil, generates the heat needed to turn water into steam. History of Boilers Pneumatica was the first steam machine ever produced in the history of mechanics. This steam engine was the first employment of wat er generated into steam to produce power. It was invented in the 1st century by a Greek mathematician and inventor named Hero of Alexandria.In the Middle Ages and Renaissance period, Italian architect and inventor Giovanni Branca designed the first boiler. The boiler discharges steam, which in turn, struck the blades of a wheel thus, causing it to rotate. Later, in the year 1785, Scottish inventor James Watt redesigned the previous boiler. He introduced the use of spherical and cylindrical vessels heated from below by open fire to generate steam. This design is what makes up the modern-day boiler (Prasad). Applications of Boilers Boilers have various purposes. Nevertheless, most of its applications are in the field of energy generation for further functions.One good example is the use of boiler in the first steam engine produced. Thomas Savery built this steam engine made of two copper vessels, which are alternately filled with steam from a boiler. The said engine was used for pumpi ng water out of mines (Prasad). Other useful applications of boilers are boiler feed water deaerator, external combustion engine, fossil fuel power plant generator, and ship propeller power generator. There are still other uses of boilers especially in the industry; however, these applications are specific for each type of boiler.There are two major types of boilers: fire-tube boilers and water-tube boilers. Fire-tube Boilers The fore-runner of a fire-tube boiler was invented by Oliver Evans in America. Evans built a boiler consisting of cylindrical casings where one is inside the other and the region between them containing water. The fire and fuel in this type of boiler are inside the cylinder thus allowing an increase in steam pressure (Prasad). Fire-tube boilers, compared to water-tube boilers, have low steam production rate. However, this type of boiler has a high steam storage capacity.Fire-tube boilers usually utilize solid fuels; nevertheless, liquid fuels can also be used u pon adaptation of the device. One hazard of fire-tube boilers is that they are sometimes explosive (Prasad). In fire-tube boilers, the boiler barrel is almost completely filled with water with a small space above to enclose the steam that is produced. The source of fuel is a furnace, which is cooled by water around it, to prevent overheating which may cause explosions. Fire- tube boilers are also known as smoke-tube or shell boiler and fire pipe.Boilers of this type are typically used for steam locomotives and for heating buildings in stationary engineering fields. There are several kinds of fire-tube boilers that differ only in the way the flu gasses, which provide the heat, are transported in a variety of tubes. These types are Cornish boiler, Lancashire boiler, Scotch marine boiler, locomotive boiler, vertical fire-tube boiler and horizontal return tubular boiler (Shonas Wreck Guide). Water-tube Boilers This type of boiler was introduced later than its counterpart. It was invente d by George Herman Babcock and Stephen Wilcox in 1867 (Prasad).Unlike fire-tube boilers, water-tube boilers have high steam production rates. However, they have less storage capacity than fire-tube types. Water-tube boilers are characteristically used in high-pressure applications because the narrow pipes of this type can endure pressure despite their thin walls. Furthermore, water-tube boilers have less risk of explosions since the water used is only minimal. In water-tube types, the water flows through tubes, which are heated externally by gases. Steam is then collected into a drum located above the tubes.This type is also inexpensive in a sense that the water is just circulated inside the tubes. The water is heated then turned into steam and again cooled to water upon accomplishing its purpose. Water-type boilers also have different classifications, which are D-type, O-type, A-type, flex-tube boiler, Babcock and Wilcox boiler, Stirling boiler, thornycroft boiler, and yarrow boile r (Prasad). Safety Precautions Since steam boilers are pressurized vessels, it has a risk of explosion. Boiler explosions are damaging since they are boiling liquid expanding vapor explosions.In this case, the pressure exceeds the capacity of the vessel and thus, explodes into destructive steam, not to mention the furnace that may add to the explosion. Furnace explosions may also occur in boilers. It is thus advised that maintenance and regular inspection of the boiler be done. One well-known explosion took place in the steamer â€Å"Eclipse† on January 27, 1865. In this disaster, 27 were killed and 78 were wounded (Hewison 1). Therefore, hazards of boiler explosion can certainly be disturbing. Maintenance and regular replacement of defective or weak parts of the boiler should be done regularly.Works Cited â€Å"General Ship Layout†. Shonas Wreck Guide. 17 April 2008. Hewison, Christian H. Locomotive Boiler Explosions. David and Charles. 1983. Prasad, Vishwanath. â₠¬Å"Boilers. † Microsoft Encarta Online Encyclopedia. 2007. Microsoft Corporation. 17 April 2008. Steingress, Frederick M. Low Pressure Boilers. 4th Ed. American Technical Publishers. 2001. Steingress, Frederick M. , Harold Frost and Darryl Walker. High Pressure Boilers. 3rd Ed. American Technical Publishers. 2003.

C. Wright Mills and His Understanding of the Cold War/Wwiii

Yunlong Li November 11, 2012 C. Wright Mills and His Understanding of the Cold War/WWIII Authors and historians have attempted to understand what caused and perpetuated the Cold War for decades. Although it is not a simple answer with simple component reasons, this brief essay will seek to explain to the reader a few of the main reasons why the Cold War transpired as it did and what mechanisms kept it going. As a means of understanding the Cold War, the author of the essay has reviewed the writings of C.Wright Mill with relation to this topic as well as various other authors who have been cited and referenced in the below analysis. Before delving into the subject matter and trying to understand what caused and perpetuated the Cold War, it is worth first pointing out some of the factually incorrect information that surrounds many common approaches to the Cold War. The first, and perhaps most prominent of these faulty points of view, is that the Cold War was thrust upon the United Stat es by a dangerous and overly aggressive Soviet Union after the conclusion of World War II.This view is faulty due to the fact that both superpowers that emerged after the Second World War were inherently distrustful of the other. Furthermore, it can be seen that the power structure that emerged put both actors on a collision course with respect to the fact that the economic systems championed by both the United States and the Soviet Union were inherently against one another.As such, it can be understood as a self-fulfilling prophecy that both sides would come into conflict with each other (Goertzel 243). In this way, it can be understood that it was not either necessarily the fact that the United States or the Soviet Union was actively aggressive that ensured that the two powers would come at odds with one another; rather it was their inherent differences in political systems, ideology, economics, and the fact that they were both superpowers intent on dominating the world system.Per haps the most interesting idea that Mills put forward was the idea of what ultimately kept the peace between the United States and the Soviet Union during periods of extreme pressure and stress that occurred during the Cold War. Mills claimed that a hierarchy of power elite were the true actors behind the scenes that worked to ensure a full confrontation between the two superpowers would never translate into an actuality (Marino 29). These power elite†, as Mills called them, were the executive branch (president of the United States), top Pentagon military leaders, and the corporate rich. Although this view definitely bears some truth, the fact of the matter is that such an oversimplification does not factor in to account the key players in the Soviet Union that also sought to keep the conflict from coming to a head to head confrontation. Mills goes on to state that one of the largest reasons that would precipitate World War III would be the fact that both sides were in such a dire state of preparedness for such a conflict.This particular view is interesting due to the fact that many authors have listed this preparation as one of the reasons that the two sides did not actually come to blows (Warner 174). Although hindsight is of course perfect, Mills seemed to believe that the process of preparing for such a conflict would mean that the two sides would be left with a type of self-fulfilling prophecy as well as a broad range of advanced weaponry which would guarantee that the two would come to blows in the form of a Third World War.More specifically, Mills saw the advent of new weapons systems and the way in which the military industrial complex continued to push for an escalation in the conflict as proof positive that the momentum for all out war was definitely evident. Many authors claim that Mills particular view of the way in which the Soviet Union and the United States would come into conflict as a result of the tensions created by the factors that ha ve been listed was not the result of the fact that he truly believed this to be true but due to the fact that he was attempting to agitate political change within the United States.Mills, although a prolific writer and well known intellectual, was also a member of the movement known as the â€Å"New Left†. This particular movement subscribed to the view that the military and key elements of the power elite had entirely too much power over the way in which policy decisions were being made and the common man/electorate was less and less important in determining the future of the nation.Accordingly, authors have attempted to show that rather than showing his true position on the Cold War and what might occur as a result of the political actions that were taking place at the time, Mills instead sought to create a movement for change within the current political structure by engaging academics and intellectuals in realizing that the current course could only lead to conflict and d estruction of all systems equally.Yet another alternate view states that the true allure and appeal of the Cold War was a solidifying effect for American and Soviet leaders. As they were able to present to their people and electorates that an existential threat existed outside of their own system, they were able to elicit levels of patriotism, belief, and economic efficiency/utility that would not have otherwise been able to be realized (Saull 1124).As a result of the fact that the leadership of both systems recognized and valued the importance that such a bi-polar view of the world effected on their populations, both sides were no doubt at least partially interested in keeping up the appearance of sudden confrontation as a means to manage their people and direct the overall efficiency of their economies. All of the guess work and alternate theories deserve their place; however, just because the theories of MAD and the deterrence that other strategic decisions that were made by both sides encouraged more level heads to prevail during this chilled conflict.Merely due to the fact that a theory is old and has been tested and measured thousands of times does not require that a new theory should be put in its place (Roberts 1476). Accordingly, although many of Mills points bear analysis, it would be premature and reckless to put these theories in place of the time-tested and proven theories that have for so long helped to define the logic of why the United States and Soviet Union were able to keep the peace between themselves during the turbulent years surrounding the Cold War.What is important to understand from the preceding analysis is not whether C Wright Mills or any other theorists were correct; rather, understanding the different ways that these theorists and philosophers/political intellectuals saw the interplay between these superpowers and the subsequent conflict or lack of conflict it predicted helps the researcher to both understand and appreciate the d iffering levels of thought that helped to nuance and develop our current understanding of the conflict surrounding the Cold War.In this way, trying to prove or disprove C Wright Mill’s views with relation to whether or not he was ultimately correct in the way he categorized and defined unique developments between these two superpowers becomes of secondary importance to attempting to understanding the causal historical factors that helped to develop the world view he works to give to the reader. Works Cited Goertzel, Ted G. â€Å"The Causes Of World War III: Thirty Years Later. † Sociological Forum 4. 2 (1989): 241. Academic Search Complete.Web. 7 Nov. 2012. Marino, Noel. The arms trade. Detroit: Greenhaven Press, 2009. Roberts, Geoffrey. â€Å"The Cold War As History. † International Affairs 87. 6 (2011): 1475-1484. Academic Search Complete. Web. 7 Nov. 2012. Saull, Richard. â€Å"Social Conflict And The Global Cold War. † International Affairs 87. 5 (201 1): 1123-1140. Academic Search Complete. Web. 7 Nov. 2012. Warner, Geoffrey. â€Å"The Cold War In Retrospect. † International Affairs 87. 1 (2011): 173-184. Academic Search Complete. Web. 7 Nov. 2012.