Embedded Essays

Inserted Essays Inserted Essay Inserted Essay Paper II Section : II Embedded Systems INDEX No 1 2 3 4 5 6 7 8 9 10 Toggle Port LED Simulate Binary Counter at Port Generate postpone utilizing TIMER_0 Stepper Motor (clockwise/Anticlockwise) Generating square wave at port pin Generating Triangular wave at port pin Sine wave age utilizing look-into table Microcontrollers imparting over a sequential connection Read change status from I/p port and show at o/p port Using Input Capture Pin (ICP), measure beat width show at o/p port Topic Date 6-9-2010 9-9-2010 17-9-2010 24-9-2010 8-10-2010 15-10-2010 15-10-2010 29-10-2010 22-11-2010 24-11-2010 Page 02 03 04 06 07 09 10 11 13 15 Sign Practical †01 Toggle Port LED Aim : Write a program in installed C programming language to on the other hand ON/OFF LEDs associated with 2 distinct ports. Segments Used: i)AT90S8535 Micro controller ii)LED? S iii)Ground Code: #include void main(void) { DDRA = 0xff; PORTA = 0x00; DDRB = 0xff; PORTB = 0x00; while(1) { delay_ms(100); PORTA = 0x01; PORTB = 0x00; delay_ms(100); PORTA = 0x00; PORTB = 0x01; }; } Output: Mithibai College:- MSC COMPUTER SCIENCE PART II 3 Down to earth †02 Simulate Binary Counter at Port Aim : Write a program utilizing inserted C to reenact a double counter. Segments Used: i)AT90S8535 Micro controller ii)LED? S iii)Ground Code: #include void fundamental() { DDRA = 0xff; PORTA=0x00; while(1) { delay_ms(100); if(PORTA == 0x80) PORTA = 0x01; else PORTA += 1; } Description: First proclamation an unsigned roast variable (unsigned whole numbers are utilized to build the scope of numbers the variable can hold) is instated to 0x01 . port A has been set to this variable . „+? perator represents bit increase activity . we are incrimenting the bit of led_status to one situation of paired number when the one at lsb scopes to the msb (0x80) of the variable we reinitialize the variable to 0x01. The Delay given is of one milli second so the bit shifts after each one second(1000ms) . Yield: Mithibai College:- MSC COMPUTER SCIENCE PART II 4 Practical †03 Generate defer utilizing TIMER_0 Aim : Write a program utilizing inserted C to create postpone utilizing TIMER0. Segments Used: i)AT90S8535 Micro controller ii)LED? S iii)Ground Code: #include int timeCount = 0; interrupt[TIM0_OVF] void timer0_ovf_isr(void) { TCNT0 = 6; if(++timeCount == 1000) { PORTA =PORTA ^ 0x01; timeCount = 0; } void main(void) { DDRA = 0x01; PORTA = 0x01; TCCR0 = 0x02; TIMSK = 0x01; #asm(sei); while(1); } Description: A variable timecount is instated to 0. In the primary capacity the LSB of PORTA is picked for yield and it is set to 1. At that point the TIMER COUNTER CONTROL REGISTER (TCCR0) is instated so that partition by 8 (CK/8)clock source is chosen again the â€Å"timer intrude on veil is set to empower the timer0 counter. #asm† is a low level computing construct guidance „sei? represents set empower hinders to empower all the intrudes. Finaly ainfinite while circle. At that point the capacity with keword hinder is made. This capacity will be called naturally when the timer0 flood intrude on happens. This capacity returns nothing, since it isn't called by any capacity and you cannot pass anything to work for a similar explanation . The timer0 is instated to 6 in this capacity . As we have picked ck/8 framework as referenced above and the clock recurrence is 4 Mhz that? s why 4/8 Mhz so 500 Khz(0. Mhz) will be the powerful recurrence so for one tick of counter 1/0. 5 smaller scale sec are required(1/freq. = time) that equivalents to 2 smaller scale secondes. A clock can tally 256 that? s why aggregate of 256*2 that is 512 miniaturized scale seconds are required . So to make it a round figure I. e. 500 microsecs we Mithibai College:- MSC COMPUTER SCIENCE PART II 5 need to preclude 6 ticks of counters that is the reason we set clock (TCNT0 =6) to 6 with the goal that it ticks from 6 to 256 henceforth ticks successfully for multiple times (250*2 = 500). also, covers 500 smaller scale secs ,when timecount is augmented up to 1000 (1000*500 miniaturized scale secs = 0. secs). What's more, drove flips after 0. 5 secs. Yield: Mithibai College:- MSC COMPUTER SCIENCE PART II 6 Practical †04 Stepper Motor (Clockwise/Anticlockwise) Aim : Write a program utilizing i mplanted C to recreate Stepper Motor(Clockwise/AntiClockwise). Parts Used: i)AT90S8535 Micro controller ii)LED? S iii)Ground iv)STEPPER MOTOR Code: #include unsigned roast motorStatus = 0x01; void main(void) { DDRA = 0x0f; DDRB = 0x0f; #asm(sei); while(1) { PORTA = motorStatus; PORTB = motorStatus; delay_ms(200); motorStatus

Fallacy Spotting Essay Example | Topics and Well Written Essays - 250 words

Misrepresentation Spotting - Essay Example An intrigue to pity or dread otherwise called the Galileo contention, implies an expert has been enduring that he/she may lose misfortune his/her home because of some brokenness. Under various circumstances person bring out to the intrigue to pity or dread feeling. Dread of God and dread of psychological oppression produces request to pity or dread in the human brain. At the hour of allure to pity or dread, various types of thinking strike a chord of the arguer alongside contradicting party. Feelings have been influencing human conduct in an extremely improper way, which is additionally unsafe for the future (Rainbolt and Dwyer 1-446). In this way, engaging the feelings like pity or dread is unidentified power made by the arguer, it contrarily influence the adversaries without knowing the genuine explanation, regardless of whether he/she will give up to the arguer (Walton 1-55). Pity or dread is an extremely solid just as powerful feeling, which made the rival vulnerable and at a state of time adversary is compelled to surrender the

Psychology and Social Situations Essay Example for Free

Brain research and Social Situations Essay Giving motivator to people to set up a carpool framework or take the transport rather will persuade them to turn to these goals despite the fact that it has been ineffective. The administration and different associations that battle against overdependence on private vehicles which add to overwhelming traffic ought not expect that basically requesting that the individuals share rides and take transports so as to reduce the quantity of vehicles out and about will work. Individuals ought to be given impetuses in holding fast to the solicitations of concerned associations, for example, free toll or transportation stipends for the individuals. Associations and foundations focused on a particular area should allow representatives with free rides on transports that will take them to and from work ordinary. This permits people to comprehend that sharing rides and taking the transports will spare them the admission and decrease burdens brought about by substantial traffic. 2. From this specific circumstance, we may derive the difference of information and capabilities showed by kids. Singular contrasts additionally cause contrasts on the pace of execution inside the study hall, with the end goal that there are those that exceed expectations and the individuals who come up short contingent upon the psychological resources. Assignments are given by educators not exclusively to fortify learning and present the succeeding exercise, yet in addition to allow kids to get up to speed and experience accomplishment through locally situated exercises that permit them to learn at their own pace. Youngsters who are distinguished to be the least accomplishing in class consider their opportunity of pulling up their evaluations by investing more energy in their assignments and exceeding expectations through them. This is a similar motivation behind why fantastic entertainers don't invest more energy in their schoolwork, since they as of now include experienced accomplishment inside the homeroom setting. 3. Giving prizes is a decent method of persuading youngsters and fortifying learning. There are different types of remunerations that instructors will have the option to utilize including substantial prizes. Albeit solid articles are considered as remunerations, they ought to be given with some restraint. Instructors should search for different types of remunerations, for example, gestures of recognition and acclamations, exclusions from school work or exercises, and different kinds of non-substantial prizes. The threat of using solid articles as remunerations is that youngsters won't have the option to become familiar with the benefit of keeping up attractive learning conduct in class. Each move that they make will rely upon the nearness of a substantial prize consistently. For this situation, attractive learning practices are not strengthened and supported all through the learning procedure, and kids will possibly decide to perform well and display great conduct when they see that there will be substantial prizes made accessible for them in the wake of doing as such. To address this circumstance, scholarly establishments ought to consider setting norms and rules on how educators ought to give rewards, focusing on the need to decrease the utilization of solid items yet rather using non-substantial prizes that make accentuation on innate changes and show on alluring learning conduct and superb learning exhibitions. B. Mental Disorders 1. The arrangement of irregular conduct originates from the need to properly decide the clinical and expert techniques and methodologies that will be actualized so as to address issues related with the assortment of anomalous conduct. The arrangement of anomalous conduct, especially the DSM-IV built up by the American Psychiatric Association or APA, is used so as to give an away from or picture of the sort or kind of conduct displayed by a person. The DSM-IV uses five tomahawks that are used to sort conduct, setting them into a profile that gives data on the elements of specific practices. Using characterization frameworks, for example, DSM-IV, albeit advantageous likewise has blemishes or weaknesses, strengthening the trouble of surveying and arranging conduct. For example, since the DSM-IV uses five tomahawks in sorting conduct, it turns into a restricted methods for understanding the elements of conduct. Grouping conduct into five classifications doesn't generally verge on unwavering quality and legitimacy since conduct won't generally meet all the standards of every classification. 2. At the point when one is determined to have mental or mental scatters, this implies there is something nonstandard and strange about an individual’s perspective and conduct. Having a turmoil imply that an individual’s life, especially his working, is affected by its belongings building issues and challenges en route. The conclusion will highlight potential causes, regardless of whether the turmoil is brought about by natural elements, ecological elements, and such, which influences one’s capacity to work effectively, associate with others or become coordinated into society under ordinary conditions, and so on. Subsequent to being determined to have a mental or mental issue, it will likewise imply that an individual should look for proficient assistance so as to decide the base of the issue and clutter and recognize potential arrangements so as to determine them. 3. Maybe it is smarter to be wrongly analyzed as having a psychological issue regardless of whether one really doesn't than the reverse way around in light of the fact that all the while, the individual will even now have the option to invalidate the analysis while clinical experts will have sufficient opportunity to find the injustice of their determination. One won't lose anything by being misdiagnosed as mentally or intellectually debilitated, maybe simply time and exertion in demonstrating the misdiagnosis of clinical experts. Then again, in the event that one is wrongly analyzed as not having a psychological issue, he will pass up on the opportunity of being given proficient assistance and help with regards to how he will have the option to vanquish the issues achieved by his mental or mental issue. In the wake of being analyzed without mental scatters regardless of whether truth be told, one is mentally or intellectually transformed, it won't be dealt with appropriately fuelling the chance of one’s disease or turmoil deteriorating, while simultaneously, strengthening the impacts that it may bring towards one life. Passing up the opportunity of being dealt with will disregard â€Å"damage control† permitting the disease or confusion to increase perhaps prompting a state wherein clinical experts won't have the option to give and suggest treatment properly.

Case Studies Bus Law Essay

1. How did the court verify that the offer was adequately unmistakable? The proposal of the Wells Fargo Business Credit, Inc. was submitted to Nebraska Beef as a letter. At the point when Nebraska Beef occupied with tolerating a credit extension from Wells Fargo they went into a composed credit understanding that illustrated the provisions of the credit extension and the over-advance which contained extra and dynamic expenses for each extra over advance (the sum over the underlying credit limit). With every one of the three over-advance credit extensions or advances of cash that Nebraska Beef took out with Wells Fargo, a formal composed revision to the first credit understanding was given. In this way despite the fact that there were no new settled upon terms, it is an adequately clear understanding in that Nebraska Beef confirm their affirmation of extra charges through these three past advances and further they recognize receipt of data expressing these extra expenses. Actually it was expressed for the situation that â€Å"an offer might be induced completely or incompletely from words verbally expressed or composed or from the lead of the gatherings or a blend thereof.† For this situation unmistakably the direct of Nebraska Beef shows an affirmation of extra charges dependent on their past advances and the related expenses. In the May propels, Wells Fargo just charged indistinguishable extra expenses from were set up in the third headway and afterward toward the month's end (23rd) they sent a letter that Nebraska Beef recognizes getting; delineated the expansion of the progression expenses. Nebraska hamburger kept on taking advances all through May and in such manner the offer was adequately positive as well as a one-sided contract existed (a guarantee for execution). 2.How did Nebraska Beef demonstrate its acknowledgment? The Nebraska Beef at last occupied with an a concurred agreement or ‘acceptance’ of the terms through their move of getting to or making assets through the over-advance program and along these lines made Nebraska Beef subject to extra expenses through the arrangements of the extra revisions. Nebraska Beef acknowledges by utilizing the cash offered through the over-advance by Wells Fargo and proceeding to take numerous choices of the over the credit line-propels. This is ‘accepting’ the provisions of the agreement since they practiced their entitlement to the assets and in doing so ‘accept’ the conditions of the development which incorporate extra charges. Section 14: Register.com, Inc. v. Verico, Inc. Case Concept Review: 1.Why did the court presume that Verio acknowledged the details of the legend? For this situation the court decided that Verio got day by day notification of the states of the legend. This suggests Verio acknowledged the provisions of the legend at any rate after his underlying use, since he kept on getting to and utilize the information sometime later of the notification. Despite the fact that the underlying use delivered terms after he got to the WHOIS information and was possibly unconscious that the register had conditions for the utilization of the information until after he got it, Verio confesses to monitoring the conditions after the principal use and kept on getting to the information a few times each day and over and again was sent the notification of the provisions of the conditions from there on. Thus, when these terms were prove after the underlying exchange, each exchange from that point would be dependent upon the states of the information and its utilization and Verio by proceeding to get to the information is dependent upon these conditions. By just proceeding to utilize and secure the information, Verio is tolerating the provisions of the legend. The conditions were given recorded as a hard copy and Verio kept on utilizing this administration along these lines, his activities show acknowledgment of the terms. 2.In another segment of the sentiment, the court expressed that there was no motivation behind why Verio be required to â€Å"click† acknowledgment of the terms? In view of the material introduced above, for what reason do you accept that the court didn't force a â€Å"click† prerequisite? It seems just as a ‘click’ necessity would have kept the case out of court, in any case, as showed in the material and the data gave over, the outcome would not have been unique. Basically, I accept the court didn't force a ‘click’ prerequisite in light of the fact that the term warnings are sent to the organizations making the information requests and after the information is gotten notices for terms of the adequate utilization of the information are given recorded as a hard copy to the organizations. In this manner, by getting to and tolerating the information, the activities of the business exhibit an acknowledgment to the laid out conditions and subsequently no ‘click’ is required. Utilizing the information has certain arrangements that are illustrated in composed notification and organizations tolerating the information are liable to agreeing to these arrangements. There is a proposal to give the information arrangements for use and acknowl edgment to get the information and conform to their composed satisfactory use strategy. ~No click vital. Section 15:Louisa W. Hamer v. Franklin Sidway, as Executor, and so on. Case Concept Review: 1. What did the nephew guarantee? The nephew vowed to shield from drinking and smoking, swearing, and playing a game of cards or billiards for cash until his twenty first birthday celebration in return for an installment of $5000 from his uncle. The $5000 was to be paid to the nephew by the uncle after he turned twenty-one, in the event that he abstained from the entirety of the above activities during the timeframe preceding turning twenty-one. For this situation the nephew stayed faithful to his commitment and his legitimate execution of the understanding was recognized by the uncle in a composed correspondence. 2. For what reason was the nephew’s guarantee adequate to qualify as thought? The nephew’s guarantee was adequate to qualify as thought on the grounds that with the goal for there to be thought, there must be drawback. For this situation, the court decided that there was burden to the nephew since he needed to surrender his entitlement to unreservedly take part in smoking and drinking and in promising to do that he is expressing he is surrendering this privilege and tolerating the offer and in executing the acknowledgment he can’t smoke or drink which is something he had not been officially committed to do (along these lines comprising an inconvenience). He reserved a privilege to drink, smoke, swear or play a card game or billiards for cash and he was served a drawback by surrendering this privilege and going into the concurrence with his uncle to do without these alternatives. The other component in thought would be the lawful advantage that is picked up. This happens when something is gotten that the gathering didn't have a previous lawful option to get. For this situation the adjudicator found that the uncle (who made the guarantee to pay) was profited â€Å"in a legitimate sense.† The courts additionally expressed that â€Å"it is sufficient that something is guaranteed, done, shunned or endured by the gathering to whom the guarantee is made as thought for the guarantee made to him.† Additionally, the uncle composed back recognizing that the nephews guarantee was satisfactorily executed per the conditions of the understanding and per the nephew and uncle’s understanding, the nephew was qualified for the whole of cash vowed to him ($5000).There was recognized and settled upon, full execution of the guarantee. The case was genuinely clear once it was set up that in truth thought was met for the situation.

Statistics for managers Term Paper Example | Topics and Well Written Essays - 2000 words

Measurements for administrators - Term Paper Example A few experimental investigations have featured the impact of desires on client satisfaction. The by and large end drawn from these examinations is that desires impact consumer loyalty, and the impact can be sure, negative or non-existent. But it can be reasoned that the positive just as the negative impact of desires on consumer loyalty is negligible. We accept halfway that desires is such an intricate idea, that it is difficult to accomplish dependable and substantial measures, and incompletely that desires as an idea doesn't impact the arrangement of client satisfaction. We propose that desires be excused from consumer loyalty estimation instruments in the future. We express that apparent quality is one of the essential drivers of consumer loyalty. A few exact examinations bolster these viewpoints. We concur with Gronross (1993,p.â 61) that it doesn't appear to be conceivable to make autonomous estimation of client desires ... It appears to be substantial, at any rate in specific circumstances, to create estimation models dependent on client encounters of value only. Cronin and Taylor (1992) and Liljander and Strandvik (1992) take a similar view. Initial, a trial where the connections between desires, saw quality and consumer loyalty were contemplated, utilizing the system from the Swedish and American consumer loyalty index. Second, a consumer loyalty study, utilizing the strategy for the new European consumer loyalty record (ECSI). The reason for existing is likewise to feature in the case of purchasing conduct, portrayed by a lot of applicable item classification attributes (value, intricacy and sign worth), has any impact on the connection between saw quality and consumer loyalty, and provided that this is true, how solid this impact is. Do some purchasing

MT Bank - Understanding Whats Important - Free Essay Example

MT Bank Table of Contents Abstract History Industry Assessment SWOT Analysis Strengths Weaknesses Opportunities Threats Stakeholder Analysis Financial Analysis BCG Matrix Recommendations.15 Works Cited16 Tables Table 1 Top 50 Commercial Banks (USA) Table 2 FDIC Ratios Table 3 MT Competitors Figures Figure 1- Loans to Assets Ratio Figure 2 Asset Growth Figure 3 Loan Growth Figure 4 BCG Matrix..14 Abstract For my final project I have chosen to examine MT Bank. It will be of importance to examine the industry as whole, perform a SWOT analysis, and review financial statements. Through examining each of these factors a clearer understanding of how MT Bank operates in the commercial banking industry will be generated. Thereafter, a conclusion will be drawn on how MT Bank should pursue their future in the banking industry. History MT Bank was founded in 1856 in Buffalo, NY as the Manufacturers and Traders Bank by Pascal Pratt and Bronson Rumsey. By the end of this decade the bankà ¢Ã¢â€š ¬Ã¢â€ž ¢s ownership increased from 13 founding stockholders to over 145, all of which received a primary dividend of four percent. Fast forwarding to the beginning of the twenty first century MT Bank began acquiring not only land and buildings throughout Buffalo, NY but also other banks. The 1970à ¢Ã¢â€š ¬Ã¢â€ž ¢s ushered in a new ear for MT Bank, this began with the hiring of a new chairman and CEO; Robert Wilmers. Currently, Wilmers is still the CEO of MT Bank and has been able to perpetuate the tradition of long standing success. Through continued success MT has been able to acquire other banks and expand its reach into Pennsylvania, Virginia, and Washington DC. By 2011 the bankà ¢Ã¢â€š ¬Ã¢â€ž ¢s assets reached nearly $80 Billion making it the 24th largest bank in the United States. Industry Assessment The industry that MT currently operates is the commercial banking industry. The commercial banking industry has seen much change over the past century, this change has predominately occurred from government intervention. The basic aim of government regulation is to ensure that firms are able to be competitive while also preventing market failures. These include natural monopolies, excessive competition, and economic rents. To help with this overall goal the government tends to regulate in two facets; economic and social. An economic regulation deals with the government having a direct or indirect control over the firms in an industry. This is beneficial because it limits markets with monopolies from raising prices too high which would result in unfair payments made by their customers (Conte Karr, 2001). The social aspect of government regulations is seen in antitrust laws. These are laws that prohibit practices or mergers that would ultimately lead to the degradation of competitio n. These regulations play an important part in commercial banking because they are directly correlated to preventing market failures (Conte Karr, 2001). Commercial banking is defined as a financial institution that provides services, such as accepting deposits, giving business loans and auto loans, mortgage lending, and basic investment products like savings accounts and certificates of deposit (Commercial Banking, 2014). As of September 2013 there are currently 539 commercial banks with assets over $1 Billion. Of the 539 commercial banks the top 20 banks currently hold 31% market share and the top 50 banks hold 41% market share. Furthermore, the top 20 banks currently hold 59% of totals assets and the top 50 banks hold 70% of all totals assets (Census, 2007). In the commercial banking industry market share and total assets have become the major focus. This most closely aligns with the mantra of the maturity stage of the industry life cycle, firms in this stage are concerned wit h market share. Potential new entrants find these markets unattractive because of high barriers to entry and first mover advantages. Table 1 Top 50 Commercial Banks (USA) Top 50 Commercial Banks (USA) 1 JPMORGAN CHASE BK NA/JPMORGAN CHASE CO 2 BANK OF AMER NA/BANK OF AMER CORP 3 CITIBANK NA/CITIGROUP 4 WELLS FARGO BK NA/WELLS FARGO CO 5 U S BK NA/U S BC 6 PNC BK NA/PNC FNCL SVC GROUP 7 BANK OF NY MELLON/BANK OF NY MELLON CORP 8 CAPITAL ONE NA/CAPITAL ONE FC 9 STATE STREET BTC/STATE STREET CORP 10 T D BK NA/TD US P C HOLD ULC 11 HSBC BK USA NA/HSBC NORTH AMER HOLD 12 BRANCH BKGTC/BBT CORP 13 SUNTRUST BK/SUNTRUST BK 14 FIA CARD SVC NA/BANK OF AMER CORP 15 FIFTH THIRD BK/FIFTH THIRD BC 16 CHASE BK USA NA/JPMORGAN CHASE CO 17 REGIONS BK/REGIONS FC 18 GOLDMAN SACHS BK USA/GOLDMAN SACHS GROUP THE 19 UNION BK NA/UNIONBANCAL CORP 20 RBS CITIZENS NA/RBS CITIZENS FNCL GRP 21 NORTHERN TC/NORTHERN TR CORP 22 ALLY BK/ALLY FNCL 23 BMO HARRIS BK NA/BMO FNCL CORP 24 KEYBANK NA/KEYCORP 25 MORGAN STANLEY BK NA/MORGAN STANLEY 26 MANUFACTURERS TRADERS TC/MT BK CORP 27 CAPITAL ONE BK USA NA/CAPITAL ONE FC 28 SOVEREIGN BK NA/SANTANDER HOLDS USA 29 DISCOVER BK/DISCOVER FS 30 COMPASS BK/BBVA COMPASS BSHRS 31 BANK OF THE WEST/BANCWEST CORP 32 COMERICA BK/COMERICA 33 HUNTINGTON NB/HUNTINGTON BSHRS 34 DEUTSCHE BK TC AMERICAS/DEUTSCHE BK TR CORP 35 WELLS FARGO BK S CENT NA/WELLS FARGO CO 36 FIRST REPUBLIC BK/ 37 FIRST NIAGARA BK NA/FIRST NIAGARA FNCL GROUP 38 BOKF NA/BOK FC 39 BANK OF AMER CA NA/BANK OF AMER CORP 40 CITY NB/CITY NAT CORP 41 SYNOVUS BK/SYNOVUS FC 42 FIRST TN BK NA/FIRST HORIZON NAT CORP 43 FIRSTMERIT BK NA/FIRSTMERIT CORP 44 ASSOCIATED BK NA/ASSOCIATED BANC-CORP 45 EAST W BK/EAST W BC 46 FROST BK/CULLEN/FROST BKR 47 COMMERCE BK/COMMERCE BSHRS 48 FIRST-CITIZENS BTC/FIRST CITIZENS BSHRS 49 SILICON VALLEY BK/SVB FNCL GRP 50 BARCLAYS BK DE/BARCLAYS DE HOLDS LLC (FRB, 2014) Mention previously the goal of regulation in the commercial banking industry is to provide a competitive market, this prevents total dominance by a few firms. However, the banking industry is associated with high barriers to entry for new banks because of the regulatory restrictions associated with charters and high costs of capital. High barriers to entry are also associated with markets that are unfavorable to enter because established firms have an exponential advantage. As shown from the previous empirical evidence this industry is highly concentrate in both market share and total assets. In an attempt to reduce barriers to entry the Riegle-Neal Interstate Banking and Branching Efficiency Act was passed. This act changed interstate banking laws for both bank holding companies and individual banks. BHCs and individual banks were given the ability to merge with other banks located in different states. In theory this greatly reduced barriers to entry, however, in pr actice it potentially help top banks become larger and more dominant. SWOT Analysis The SWOT analysis of MT bank will help to evaluate the institutions strengths, weaknesses, opportunities, and threats. Following the conclusions of the analysis will allow for recommendations that leverage MT Banks strengths to take advantage of potential business opportunities. Additionally, this conclusion will allow for a better understanding of operational weaknesses to contest threats to prospective growth. Strengths MT bank has garnered much strength since its founding in 1856. It has grown into one of the countries thirty largest banks with roughly $80 billion in assets. In addition the bank boasts 700 branches and ATMs in 1,500 different locations greatly extending is banking power (MT Bank Corp, 2014). Its growth can be attributed to the acquisition of banks in upstate New York, eastern Pennsylvania, Washington D.C., and the Baltimore region. Market dominance in these select regions has allowed MT to not only create a competitive advantage but also sustain an advantage. Another key strength to MT Bank is the services the bank can offer. To this point we have only mentioned MTà ¢Ã¢â€š ¬Ã¢â€ž ¢s role in the commercial banking industry. However, MT offers services in retail and investment banking. Weaknesses Not only has MT Bank created a competitive advantage in the areas it serves, it has also created a customizable approach to banking that customers love. However, the scope of coverage is limited to eight states which ultimately means the bank has a relatively small to negligible service area in comparison to other banks. MT Bank service area can be seen in above picture. This scenario could sway potential new customers to choose another bank which has a greater physical presence throughout the United States. Opportunities In recent years MT bank has created many opportunities that have positively affected the companyà ¢Ã¢â€š ¬Ã¢â€ž ¢s position. Since 2006 MT has acquired over 130 brick and mortar banking locations, many of which are outside the state of New York. Along with the purchase of physical brick and mortar locations MT Banks has purchased other commercial banks such as Wilmington Trust. and Hudson City Bancorp (Rochester, 2014). This was a strategic move that has allowed MTà ¢Ã¢â€š ¬Ã¢â€ž ¢s total assets to increase greatly over the past five years. Since the year 2005, which is a significant year, MT has increased their total assets by nearly 50% (MT Bank Corporation, 2014) Lastly, MT Bank is not only located in the United States but has a location across the border in Toronto, ON. According to bank President Mark Czarnecki, à ¢Ã¢â€š ¬Ã…“à ¢Ã¢â€š ¬Ã‚ ¦our understanding of cross-border commerce, along with decades of experience serving Canadian businesses operating in the U.S., makes Ontario an ideal location for MTs first international commercial bank office (MT Bank, 2010).à ¢Ã¢â€š ¬Ã‚  This branch will not only allow MT to serve a large number of US-based companies operating Canada but will allow MT to differentiate itself from the competition. Threats Since the financial crisis of 2008 à ¢Ã¢â€š ¬Ã¢â‚¬Å" 2009 banking laws and regulations have become more stringent. Regulatory compliance poses an undoubtable burden on MT Bank. Regulatory compliance is also positively correlated to higher cost. One such regulation is Dodd-Frank Act, this act has mandated that banks need to keep higher ratios of capital on hand. Therefore, this limits MTà ¢Ã¢â€š ¬Ã¢â€ž ¢s ability to expand into other regions. Secondly, MT Bank faces other external threats such as the loss of their sustained competitive advantage. This loss can occur because of their small geographical coverage area. Other banks, through acquisitions and mergers, could open branches in similar locations. Thus, this would decrease their market share and potentially make them less valuable. Stakeholder Analysis The stakeholder analysis aims to evaluate the stakeholders of MT Bank. The stakeholders can be broken down into three major groups; Customer both potential and current, investors, and management. Following figure, the interest/power grid allows us to plot current and potential customers in the quadrant à ¢Ã¢â€š ¬Ã…“keep satisfied.à ¢Ã¢â€š ¬Ã‚  The customers of MT Bank are responsible for driving profits without them the bank would be forced to close its doors. The group of investors and management can be grouped into the quadrant labeled keep informed. Keeping investors and especially management informed allows the company to make the best possible decisions. Financial Analysis Table 2 FDIC Ratios Ratio Measures of Bank Performance Identification of Variable What the Variable Measures Loans-to-assets ratio Liquidity and risk. The higher the ratio, the greater the amount of the bankà ¢Ã¢â€š ¬Ã¢â€ž ¢s total portfolio that is subject to default risk Return on Assets (ROA) The bankà ¢Ã¢â€š ¬Ã¢â€ž ¢s profitability. Low ROA may encourage risk taking by the bank. High ROA may indicate high-risk lending to increase profits Asset growth from previous year Risk of growth Loan growth from previous year Risk of growth Salary expenses per employee Managementà ¢Ã¢â€š ¬Ã¢â€ž ¢s control of expenses Interest on loans and leases to total loans and leases (interest yield) The average income of loans. High yields might indicate that the bank is originating high-risk loans. Interest and fee income to total loans and leases (interest fees to loans) Income. The addition of fees to the variables may catch firms that are loading up on fee income. Operating expenses to total expenses Managementà ¢Ã¢â€š ¬Ã¢â€ž ¢s control of expenses. Higher expenses are assumed to be indicators of loose control. (FDIC) The success of any bank depends on several factors which involve many different aspects of the balance sheet. The FDIC has created (Table 2 FDIC Ratios) to help explain the performance of a bank in regard to the balance sheet. Although the entire list is used by the FDIC to ensure a thorough understanding of a bankà ¢Ã¢â€š ¬Ã¢â€ž ¢s performance, not all of these ratios and years are able to be used due to a lack of information. The areas that we will examine in our financial analysis are the total loans to assets ratio, the asset growth from the previous year, the loan growth from the previous year, and the return on assets. To aid in this analysis we will compare MT to the average US bank, and the average New York bank. Figure 1- Loans to Assets Ratio (Mergent Online) (FDIC) The total loans to assets ratio helps to explain the bankà ¢Ã¢â€š ¬Ã¢â€ž ¢s liquidity and risk. The higher the ratio the more likely a banks is to default. Figure (Figure 1- Loans to Asse ts Ratio) upon comparison shows that MT is more likely to default. Although this is an improbable scenario, MT Bankà ¢Ã¢â€š ¬Ã¢â€ž ¢s loan to assets ratio is the riskiest The asset growth and loan growth from the previous year are two ratios that deal with the overall risk of growth. The figures of (Figure 2 Asset Growth Figure 3 Loan Growth) show this comparison. During times of economic prosperity, such as the recovery and peak stage of the economic business cycle, MTà ¢Ã¢â€š ¬Ã¢â€ž ¢s loans and assets increase greatly. However, during downturns in the economy, such as a recession or trough, MTà ¢Ã¢â€š ¬Ã¢â€ž ¢s loans and assets decrease. Furthermore, over the long run MT Bank has experience the best overall growth in loans and assets from the previous years. Figure 2 Asset Growth (Mergent Online) (FDIC) Figure 3 Loan Growth (Mergent Online) (FDIC) 1 Lastly, we examine MTà ¢Ã¢â€š ¬Ã¢â€ž ¢s return on assets. This ratio helps to explain the bankà ¢Ã¢â€š ¬ â„ ¢s profitability. Low ROA may encourage risk taking by the bank and high ROA may indicate high-risk lending to increase profits (FDIC). MT has experience an average ROA of 1.20%, for the banking industry a ROA of slightly higher than 1.5% is optimal (Loth, 2009). BCG Matrix The above BCG Matrix analyses MT Bank and its four closest regional competitors. From the data we can see that that MT is ranked in the à ¢Ã¢â€š ¬Ã…“question markà ¢Ã¢â€š ¬Ã‚  quadrant. It has both a small overall market share and relative markets share. Businesses that are located in this quadrant require vast resources to grow, but whether they will succeed and move into the star quadrant is unknown. Table 3 MT Competitors MT Competitors BCG Matrix Brands Revenues (Billions) Banks Market Share Relative Market Share (RMS) Market Growth Rate MT Bank $4.35 5.18% 0.0738 6.52% PNC $15.30 18.23% 0.2595 12.50% HSBC $58.96 70.26% 1.0000 5.36% First Niagara $1.35 1.61% 0.0229 12.18% KeyCorp $3.96 4.72% 0.0672 0.51% However, of the five banks compared MT has one of the best market growth rates. Additionally, the poor placement of MT Bank on the BCG Matrix can be explained. Two of the banks, HSBC and PNC, currently reside in the top twenty banks nationally. As mentioned previously banks in the top twenty control 59% of total assets and 31% of the market share, thus, these two banks adversely skew the data. Furthermore, MT Bank is mid-market regional bank that competes on a regional (North Eastern States) level not on a national level. Figure 4 BCG Matrix Recommendations For MT Bank to remain successful they should concentrate on two areas of focus. The first area of focus should be on financial ratios. As stated previously, financial ratios are important in understanding the overall performance of the bank. Even though MT was one of the best performing banks through the Great Recession of 2008 they should strive to lower their loan to asset ratio. Their higher than average ratio can lead to the ultimate failure of MT. Secondly, the bank should focus of mergers and acquisitions to help maintain their competitive advantage. MTà ¢Ã¢â€š ¬Ã¢â€ž ¢s current small market size puts them at a potential disadvantage in comparison to their competition. Acquiring other banks would allow them further convey their idea of community banking. This gives customers the personal touch that many large commercial banks are not able to give. The examination of MT Bank versus its competitors at both a national and state level is important in understanding the banks s uccess. MT Bank has succeeded in out performing their competition through not only good economic times, but the same bad ones that have led to the failures of their competition. MTà ¢Ã¢â€š ¬Ã¢â€ž ¢s success is garnered in their mantra of à ¢Ã¢â€š ¬Ã…“community bankingà ¢Ã¢â€š ¬Ã‚  and their ability to exploit their competitive advantage (Throwback, 2014). Works Cited Census Bureau Homepage. Census Bureau Homepage. N.p., n.d. Web. 03 Mar. 2014. Commercial Bank. Investopedia. N.p., n.d. Web. 05 Mar. 2014. Conte, C., Karr, A. R. (2001). An outline of the U.S. economy. Washington, D.C.: U.S. Dept. of State, International Information Programs. FDIC: Statistics on Depository Institutions. FDIC: Statistics on Depository Institutions. N.p., n.d. Web. 05 Mar. 2014. FRB: Large Commercial Banks June 30, 2013. FRB: Large Commercial Banks June 30, 2013. N.p., n.d. Web. 05 Mar. 2014. Loth, Richard. Financial Ratio Tutorial à ¢Ã¢â€š ¬Ã…“ROAà ¢Ã¢â€š ¬Ã‚  Retrieved October 23, 2009, from https://www.investopedia.com/university/ratios/profitability-indicator/ratio3.asp MT Bank Corporation About MT Bank Corporation. MT Bank Corporation About MT Bank Corporation. N.p., n.d. Web. 05 Mar. 2014. MT Bank Corporation MT Bank Approved to Open Canadian Commercial Banking Branch. MT Bank Corporation MT Bank Approved to Open Canadian Comme rcial Banking Branch. N.p., 07 June 2010. Web. 05 Mar. 2014. Rochester Business Journal. MT Acquires Delaware Bank for $351 Million. N.p., n.d. Web. 05 Mar. 2014. Throwback Approach Keeps Wilmers, MT on Top. American Banker RSS. N.p., n.d. Web. 05 Mar. 2014.

Explicating Longfellows Christmas Bells - Literature Essay Samples

Henry Wadsworth Longfellow was a committed abolitionist who viewed slavery as an abomination and the Civil War as a just cause for the Union, as long as it resulted in an end to slavery and subsequent reconciliation between the North and South. â€Å"Christmas Bells† references the Civil War directly as a result of a personal attachment: Longfellow was stimulated to write the poem after his son was wounded during battle after enlisting against his father’s will. The legend is that Longfellow actually composed the poem on Christmas Day, 1863 although it would not be published until just a few months before the surrender of Gen. Robert E. Lee to Gen. Ulysses S. Grant. Publication took place in a literary magazine for children titled Our Young Folks. The speaker begins by announcing that on Christmas Day he could hear bells ringing out a tune that was a familiar holiday carol expressing goodwill to men and hoping for peace on earth. The narrator is really the only official character in the poem, although he remains unnamed and unidentified. One may assume he is intended to represent the thoughts and feelings of the poet, but the anxiety that he is feeling certainly seems to imply a greater universality. Not to be confused with representing the universal spirit of Man, however. Context does provide some clues as to identity of the speaker: he is alive during the Civil War and he is a Northerner and he is appalled by the idea that waging war for the purpose of protecting the institution of slavery. The opening lines of the poem set the stage: it is Christmas Day at a point in time when bells in the belfries of local townships and villages routinely rang familiar Christmas songs. The peal of the carols played on bells appeals to the narrator’s own personal perspective on the war and reflection on how so many bell towers across all of Christendom had been ringing out for the same desires and universal wishes. â€Å"Of peace on earth, good-will to men!† becomes the poem’s constant refrain and its most effective utilization of the parallel construction to lend it meaning coherence throughout. Indeed, this one single line is repeated no less than seven times and probably not by coincidence, the poem is also composed of exactly seven stanzas. And, yes, every stanza draws to a close with this refrain. The sound of bells ringing out carols of goodwill continue from night into day until they are first merely interrupted and then eventually drowned out by another familiar sound that has been heard ringing out by many Americans across their vast country: â€Å"Then from each black, accursed mouth / The cannon thundered in the South.† The war conducted on the battlefield has the effect of an earthquake ripping asunder half a continent and creating a division that brings on feelings of forlorn despair and hopeless despondency which inevitably forces the narrator to bow his head and accept at last the inescapable and undeniable truth that there is no peace on earth because, when all is said and done, â€Å"hate is strong, And mocks the song Of peace on earth, good-will to men! The rising thunder of war meant to end the abominable national shame of slavery has made an absolute mockery of those songs extolling the virtue and even the mere existence of peace on earth and goodwill among men. The narrator’s bitter awakening to the reality of what Christmas Day means in a country torn apart by war with one side actually willing to die to protect laws legislating bondage of others leaves him nearly broken. Just one heartbreaking step from raising the white of flag surrender and handing over the spoils of victory to everlasting despair, however, peals of the bells being rung again is louder than ever and a force greater than even the thunder of ammunition. As if by some Christmas miracle, right at the very moment before the Narrator hands over his white flag with an implicit acceptance of that the hatred stemming from his conquerors to the South truly is enough to cause songs extolling peace and goodwill to be viewed as mere mockeries forever more, he hears the bells ringing like they never have never run before on Christmas Day. It is monumental sound and profound in its meaning: a euphonious assertion that God is neither dead nor sleeping and eventually—with His help, one assumes—Wrong will fail and Right will prevail and there will be peace on earth with goodwill toward men. While the subject of the poem is whether peace on earth and goodwill to men is merely a hopeless dream constructed on the shaky foundation of oblivion to the true nature of man or is something genuinely within the grasp of the species, the only other well delineated character of the poem are those men of bad will who obstruct the move toward peace and serenity. This is a collective character rather than an individualized entity, of course, and that collective agency in charge of poisoning even the dream of good wood are expressly described as those firing off their cannons in the South. They are every soldier in gray uniform who flooded the Civil War battlefields in pursuit of the preservation of odious politicians using them as pawns in their bid to forever threaten not just the reality, but the very concept of peace and goodwill ever having the opportunity to nurture and grow in this still young country build on such noble sentiments liberty and freedom. About a decade after Longfe llow completed the poem, it was adapted into lyrics to accompany a tune that has that since become one of the familiar traditional Christmas carols heard throughout the holiday season. The title was slightly modified from the original to differentiate the song from the poem. â€Å"I Heard the Bells on Christmas Day† has since been covered by artists that include Harry Belafonte, Elvis Presley Bette Midler and the ska-punk band MU-330, thus succeeding in two noble distinctions: making Henry Wadsworth Longfellow one of the most successful Christmas carol lyricists of any American poet and proving that his narrator was right not to give up hope even in his darkest hour.