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The Plan †Creative Writing Paper

The Plan – Creative Writing Paper Free Online Research Papers The Plan Creative Writing Paper Part One â€Å"Forget it Josh† â€Å"What’s so difficult about it? All we have to do is get past them.† â€Å"And you don’t think that’s difficult? Jeez, sometimes I think you’re out of your mind.† Kevin paced around the room, wondering what to think. â€Å"What’s the problem? Why are you so uptight about this? We have Grant.† â€Å"Are you an idiot, Josh? Do you not remember what happened to my dad when he tried to pull this off? Josh thought for a moment, the skin on his forehead wrinkling like a pile of disregarded clothes. Then he gave up. â€Å"I have no idea what you’re talking about.† â€Å"God, you have the memory of an 80-year-old sewer rat. He was expelled from all public high schools in the area, it went on his criminal record, he lost almost all of his friends and look how it screwed up his life. He serves gas and cigarettes to Ginos on their way to loiter outside strip clubs.† â€Å"Hey, as my uncle Ted always said, ‘Don’t knock it ‘till you’ve tried it.’ Of course, he did die of food poisoning three years ago, but the point is, you never know if something is really that bad if you don’t put yourself in that position,† said Josh, trying to convince his friend. â€Å"All the more reason that we should try this.† â€Å"And end up like Uncle Ted? Josh, do you have any idea what the odds of slipping this past them are?† asked Kevin, franticly. â€Å"I have done my research and we are skating on thin ice with a skateboard if we go ahead.† â€Å"Dude, you’re over-reacting. It’s not that difficult. Trust me on this one.† â€Å"Josh, you are about as dependable as a bike with no handlebars. I have never trusted you before and I’m not about to start now.† â€Å"You and your metaphors,† muttered Josh â€Å"They’re similes, dumbass,† replied Kevin. â€Å"You see? You’re a brainiac! There is no way this mission could fail, what with your smarts and my looks and clever remarks. And mechanical skills too.† â€Å"Your looks and wit have nothing to do with this situation. It’ll all depend on my brains and, quite frankly, I don’t think there are enough of them. I can’t believe I’m even having this conversation with you!† â€Å"Oh, come on, Kevin. We both know that there is nothing in this town that the two of us can’t handle. I mean, do you really think it will be that hard to†¦Ã¢â‚¬  â€Å"Shhh!† interrupted Kevin. â€Å"Someone might be listening to us!† â€Å"In your bedroom?† said Josh. â€Å"Paranoid too. That could come in handy. I don’t know how, but it might.† â€Å"I am not paranoid, and if you start to call me Android, I will kick your ass,† Kevin said aggressively. â€Å"Whatever, Android,† mumbled Josh. â€Å"Stop it!† whined Kevin. â€Å"There is no way I am going through with this, and that’s all there is to it.† Part Two â€Å"Alright, I’ll do it.† After an excruciating three hours of convincing from Josh, Kevin had caved. Josh looked like he had just won the lottery. He let out a cry of victory. â€Å"Yes! I knew you would. It took a little more persuasion than I had anticipated, but I did it.† â€Å"Would you get over yourself?† Kevin said sarcastically. â€Å"We might as well start planning it out.† Josh brought out a pad of paper. The boys started in on their work. The next morning, Josh awoke to the sound of Nelly Furtado on his radio singing â€Å"I’m Like a Bird†, a song he hated almost as much as men’s field hockey. â€Å"No, no!† he shouted in a half-awaken state. â€Å"Shut up!† He reached over and slammed his fist on the oversized snooze button. He heard a crack. Oh crap, he thought. I broke my stupid, cheap alarm clock. Mom’s going to kill me. He half opened his eyes and saw that there was not even a scratch on his digital clock radio. He examined it further and saw that there was absolutely nothing wrong with it. He looked a little closer and saw that his clock read 8:30 am. â€Å"Eight-thirty!† he exclaimed. He jumped out of bed and threw on some pants and a tee-shirt reading ‘Chess Club ‘99’. â€Å"Why do I have Kevin’s shirt?† he mumbled to himself. He tore it off and grabbed another one. This one said ‘Your Mom Is Hot’ in red letters. â€Å"Much better.† â€Å"Josh let’s go! We’re going to be late for school!† shouted Kevin from downstairs. He must have been waiting for fifteen minutes, thought Josh. He didn’t feel badly though. Kevin had stood him up many a time en route to school. Josh grabbed his socks and raced down the stairs. â€Å"Thank God for Nutri-Grain bars† Josh said to Kevin as he grabbed a cereal bar. â€Å"I just have to put on my shoes and we can leave. How long have you been waiting here?† â€Å"About two minutes, and by the way, I think I broke your door when I came in. It made a huge crack when I closed it.† â€Å"That would explain the whole cracking thing,† replied Josh. â€Å"Let’s go,† said an anxious Kevin. Kevin always wanted to get to school on time, if not early. Today, it looked like his Mom forgot to wake him up on time. The boys grabbed their bags and headed out. â€Å"Ian changed my radio station last night. I woke up to Nelly Furtado.† Ian was Josh’s little brother. He loved to tag along with Kevin and Josh and whenever they were mean to him or shut him down, Ian always found some little way to get back at his older brother. Josh found this extremely annoying. It was a lose-lose situation. â€Å"I don’t mind Nelly Furtado† â€Å"I know you don’t. But I do,† said Josh, â€Å"Anyway, when are we going to do this stupid thing?† â€Å"We can’t talk about it in public, Kevin. I thought you were smarter than that.† â€Å"I didn’t say what it was,† Kevin defended himself. â€Å"Yet,† replied Josh. â€Å"To answer your question, I don’t know. We’ll get there.† Part Three â€Å"Now can anyone tell me what the difference is between a subordinate clause and a phrase? Anyone?† Mr. Grant’s English class. His voice was like listening to a continuous, low humming sound for an hour and a half. He always talked in the same dull monotonous way. After a while you learned to tune out in his class because all he ever did was talk and ask questions which no one paid any attention to. You just came in, sat down, copied down the homework and semi fell asleep. However, Mr. Grant was Josh and Kevin’s ticket to success. He was one of the nicer teachers at Newton High School. He was also gullible and not the sharpest knife in the drawer. They had tried extra hard to stay awake in his classes. This attempt crashed and burned the moment Mr. Grant started talking. Finally the bell rang, a wake up call for all students. â€Å"Alright, class, pack up and move on to your next class.† This was the cue for Josh and Kevin. They approached him nervously, hoping that he would not guess what they were up to. â€Å"Mr. Grant?† Kevin asked tentatively. â€Å"Could we talk to you for a moment?† â€Å"Certainly boys. But I must ask you, do you think that that shirt is appropriate for school, Mr. Evans?† Josh didn’t think that there was anything wrong with his shirt and was about to speak his mind when he felt a subtle elbow hit his ribs. He got the message. Any derogatory remark towards a teacher could damage their chances of getting the information they needed. â€Å"No sir,† he replied softly. â€Å"I’ll change it as soon as I get home, sir.† â€Å"Good. Now what was it you boys wanted to see me about?† â€Å"We were wondering about access to the boiler room sir,† Kevin proceeded. â€Å"Do you know if it is open to students?† â€Å"Maybe you should speak to Mr. Kijifusu about this. It would be more up his alley,† started Mr. Grant as he picked up his telephone. â€Å"No, no!† exclaimed Josh in a sudden panic. Yosoko Kijifusu was the schools chief caretaker. All the students hated him and the feeling was more than mutual. â€Å"Uh, we’ve already talked to him about it.† Kevin covered for his friend’s unexpected outburst. â€Å"He thought we should talk to you about it because, uh†¦Ã¢â‚¬  â€Å"You know more about water than he does,† blurted Josh. At this remark both Kevin and Grant looked confused, although Kevin looked more stunned and had turned a tint of green. â€Å"He said that?† asked a puzzled Mr. Grant. Kevin had lost all use of his tongue. â€Å"Yeah,† managed Josh, thinking that he had ruined the whole operation. â€Å"Well that was kind of him,† Grant continued as if nothing awkward had happened. â€Å"No boys, the boiler room is only accessible to caretakers and a selected group of staff. What do you need that room for?† he asked. Now that Kevin had regained his speech, he could respond to the question. â€Å"It’s for a Geography project. We have to find a place in the school and explain its geographical qualities,† said a now confident Kevin. â€Å"Well, you’re in luck. I am one of those selected staff members because my father was a plumber and I grew up around water.† The boys now knew why he had accepted Josh’s lame excuse. â€Å"You can borrow my key for this week if you like.† â€Å"That would be great, Mr. Grant,† said a relieved Josh. â€Å"Oh and by the way, sir, exciting lesson today.† â€Å"Glad you liked it, Mr. Evans,† said Mr. Grant sounding more dead than ever. The boys left for their next class with Mr. Grant’s key, talking about their performance. â€Å"I had no idea his dad was a plumber.† â€Å"It was just a wild guess?† â€Å"Yep.† â€Å"I was so scared.† â€Å"I know! Dude, you should’ve seen your face! It went green for a second.† â€Å"That was unbelievable. Nice job, Evans.† â€Å"You too, Young.† They shook hands and headed down the stairs. Part Four The halls of Newton High at lunch were as crammed as the 404 on a Friday at rush hour with a fire-truck blocking off all four lanes. It was hard to move at all, much less walk, which meant that no matter where you turned, you always slammed into someone trying to get somewhere. Groups of friends bunched up by their lockers, clogging the way for everyone. Teachers would try to go to their classes to prepare for their next lesson. The football team would barge through, making their way to practice. The science and environment clubs would be trying to get to the lab, or the outside garden. Then there were the innocent bystanders who were just trying to get to their lockers to get their books or lunches. Everyone thought that what they were doing was more important and that the other people should be the ones to move which, of course, kept people pretty well stationary until the bell rang and everyone went their separate ways. It was hectic. Everyone pretty well hated lunch brea k because of it, and if you were smart, you would get out of the building and go out or home for lunch as soon as possible. There was only one student in the whole school who didn’t have to worry about this mess. It was Trent O’Leary. He was the tallest, biggest, most muscular, best looking, most popular and quite possibly the meanest kid the school had ever seen. He was in his senior year and stood at 6’5, weighing 227 pounds, pure muscle. It was no surprise that he was captain of every sports team. He had thick, red hair, deep blue eyes and a faint Irish accent. Every girl in the high school swooned as he passed and when he spoke, even more so. He was the sweetest guy you could ask for around the ladies, with his smooth talking and his charming smile. However, around males it was a completely different story. He loved to show that he was dominant in every sense of the word. If you bumped into him in the halls, it was bad news for you. This is why people went out of their way to make a path for Trent O’Leary when he walked by. But if there was one aspect of life that Trent was lacking in it was brains. Sure, he was charming, funny and even a little sarcastic at times, but academically, he was horrible. Maybe it was because he didn’t try, maybe because he was just flat out stupid, but for whatever reason, he stank in school. He had no reason to fear for his athletic position though. It was common knowledge that he was once brought into the principal’s office to be told he couldn’t play sports anymore until he lifted his grades. When the news was broken to him, O’Leary decided to take matters into his own hands (and by matters I mean, of course, Principal Gordon’s neck) and tell the principal how strongly he felt about the subject. He did a fantastic job of convincing Principal Gordon to let him play on his numerous teams, for Gordon never mentioned the matter again. This was just one of many incidents that had proved O’Leary’s toughness. Sometimes he liked to bump into people on purpose just so that he could have an excuse to beat them up. Kevin Young seemed to be a magnet to O’Leary. As a result, Kevin got much tougher himself. He had always accepted this as part of everyday life. But when it started to happen more frequently, Kevin got bitter. There was no way of avoiding O’Leary and there was certainly no way of stopping these daily beatings with Kevin’s strength nor with the strength of Kevin and ten other averagely built guys combined. The only level at which O’Leary could be challenged was at that of the intellectual. So, with some excessive persuasion from his friend Josh Evans, Kevin had agreed to seize his revenge with a plot so original, crafty and, above all, daring that it had only ever been tried by one man before. This man was Kevin’s father who came out worse in the scheme. He was expelled from not only Newton High, but all schools in the residential area. He lost all r espect from former friends and comrades and he developed a small criminal record, which made it difficult for him to get a decent job. All of these facts made it even more daring than it was the first time around. The plan had to do with tampering with the water system and making O’Leary look like the biggest goof in the world, which was not against the law. At least, it wasn’t written in the school rules. The boys hoped and prayed that they could pull this off, because if they failed they would be doomed to a life of loneliness, guilt and solitude. Part Five â€Å"Can I come too?† asked a whiny little voice. â€Å"No, Ian! Leave us alone!† replied a harsh one. â€Å"I never get to do anything exciting,† said Ian â€Å"Ian, there are always people in life that aren’t going to want you to come with them. You should thank us for preparing you for that,† said a condescending Kevin. â€Å"Shut up Kevin. Nobody asked you.† â€Å"Ian,† Josh said. â€Å"Shut your ugly face and leave us alone.† â€Å"You’ll regret this, Josh. You’re going to pay big time for this one.† â€Å"What are you going to do, you little shrimp. You got nothing on me.† With that, Kevin and Josh hopped on their bikes and rode off into the darkness. â€Å"That’s what you think, Josh. Keep dreaming,† whispered Ian to himself. Josh looked around. There was no one in sight. He looked back to Kevin and nodded. Kevin opened the school door cautiously so that it didn’t make a sound. He crept inside as Josh caught up to him. The boys had a flashlight and a headlamp each and they were completely dressed in black. Making their way through the halls as silently as they could, they jumped at every noise they heard. These noises, however, were usually them scuffing their shoes on the ground. They found the staircase that led to the basement and made their way down. â€Å"I can’t believe I’m doing this,† mumbled Kevin. â€Å"Shhh!† They couldn’t afford to make any noise at all. Shining their lights on the doors of the basement, looking at the names of the rooms, they came across their headquarters: the boiler room. There must’ve been a million pipes in the tiny room, only one of which needed to be cut. â€Å"Which one is the one under his desk?† asked Josh. â€Å"I don’t know,† whispered a suddenly panicked Kevin. â€Å"You have the plans in your left jacket pocket, Kevin.† â€Å"Oh yeah,† replied Kevin. He pulled out the pad of paper that he and Josh had written the complicated procedure on. â€Å"It’s the one that’s seven pipes in from the window wall and nineteen in from the wall to the left of that. It’s the really thick one with the one-inch bolts.† â€Å"Found it,† whispered Josh. â€Å"Where is the wrench? We forgot the wrench! We’re screwed!† panicked Kevin. â€Å"Dude, calm down. I have the wrench in my hand. God, sometimes I wonder about your stability,† whispered Josh calmly. He then proceeded to loosen the bolts on the tube. It felt hot, meaning that there was hot water pumping through it at that very moment. This was good news for the mission. He got the nut just to the edge of the bolt so that any movement from above would take it right off and water would spurt up through the hardwood floor when he nearly fell off his feet. â€Å"Don’t take it all the way off!† Kevin had nearly screamed this last remark. â€Å"I know, doofus! Would you shut up? Someone’s going to hear us,† said Josh angrily. â€Å"Alright, I’m done. Let’s get out of here.† â€Å"I wholeheartedly agree,† said a relieved Kevin. They left exactly the way they had come, back up the stairs, out the side door to their bikes where they got on and rode off. Suddenly they heard someone shout, â€Å"There they are!† Thoughts raced through the heads of the boys as their legs raced around the pedals of their eighteen speeds. Voices behind them called out, telling them to stop. They didn’t stop. They didn’t even turn around to see who it was. Their legs flew like frightened birds as they steered in and out of corners as fast as they could, trying to outpace their enemies. Kevin’s wheel hit a twig in the road and he went flying. Josh turned around instantly to go back for his friend who waved his hand signalling for him to leave. â€Å"No way man. I got you into this, now I’m going to get you out.† â€Å"Just go!† shouted Josh. Now they could hear their pursuers in the background. Josh was getting frantic, wondering what to do. He picked up Kevin and put him on the handlebars or his bike. â€Å"What the hell are you doing?† asked Kevin as they rode off. â€Å"Trying not to get us caught.† The followers were within a block now. They were going slower and slower. Josh put all of his strength into every pedal. They were still catching up. Josh had no plan of defeat, though, and he turned a very sharp corner, which threw off the enemy completely. They finally arrived at Josh’s house, exhausted and nervous but nonetheless triumphant. â€Å"Did you get a glimpse of who they were?† asked Josh in between breathes. â€Å"Yeah,† replied an incredulous Kevin. â€Å"They were the cops!† Part Six Josh looked completely flabbergasted. All that time he had been running from the cops? Why wouldn’t they have taken a car? Probably because they didn’t want to let the intruders know that they were there. But how did they know they were there? That was the biggest question there was. How did they know? No one knew. Not parents, not siblings†¦wait a minute†¦Ian! But Ian didn’t know where they were going, did he? How would he know? Anyway, he wouldn’t have the guts to tell the cops. Maybe parents, but certainly not cops. Kevin was sitting on the couch, nursing a badly cut left leg. If the cops knew who they were, this would be bad news for their mission and, more importantly, horrible news for their future. â€Å"Do you think Ian tipped them off?† whispered Josh. â€Å"No. He wouldn’t know what was going on,† replied Kevin. He was dabbing a wet sponge on his leg. â€Å"Even if he did, he wouldn’t tip off the cops.† Kevin seemed pretty confident about this, which was not normal for him. It was probably because he was injured and in a sort of shock, but Josh let the subject rest for a while. â€Å"Whoever it was obviously didn’t know how serious this was,† he whispered after a minute or two. â€Å"Or they did know how serious it was and they wanted to completely ruin us.† â€Å"Well, the cops have your bike now and let’s hope they can’t trace it back to you,† said a worried Josh. Usually it was the other way around; Kevin was the worried one and Josh was the relaxed one. Josh couldn’t understand why Kevin was this laid back after this sort of incident. â€Å"Why are you so calm, man?† he asked. â€Å"I’m completely in shock. I tore up my leg, I lost my bike, I created a major scandal, I broke a bunch of laws, and there are going to be plenty of questions. It would be a miracle if I didn’t get caught and yet I don’t feel much like anything. I’m not by any means relaxed, but I’m more so than I would regularly be in this sort of situation.† â€Å"They’ve probably figured out what we did in there by now and tightened the nut again,† Josh said. It sounded like he was disappointed that he had run all that risk for nothing, and rightly so. â€Å"It’ll probably be better this way, though.† â€Å"How is it better?† asked Kevin. â€Å"Well, this way†¦Ã¢â‚¬  Josh started. Then he stopped and said, â€Å"I don’t know. All I’m saying is that things happen for a reason, and no matter what you do, Nature either agrees with you or disagrees and you better hope it agrees, because if it doesn’t, you’re pretty well screwed. Sooner or later, Nature will prevail.† â€Å"Those are some pretty wise words for a guy whose tee-shirts say ‘Your Mom Is Hot’.† â€Å"Yeah, well that’s better than ‘Chess Club ‘99’, pal,† laughed Josh. They may have been in an awkward situation, but they had been friends for a long time and whatever happened to them, they could always be themselves and have fun. Part Seven The house was practically empty. Only Ian was home playing his PlayStation when the doorbell rang. He ignored it, thinking it was Josh just being too lazy to get out his key. Then it rang again and it was once again ignored. It rang again, and finally Ian got the message. It was not Josh at all, he discovered. It was a police detective. â€Å"Can I help you?† asked the nervous little kid. â€Å"Yes. We received a tip from this address with regards to two teenagers breaking into a school late last night. Are your parents home?† said the officer. â€Å"No, actually, it’s just me here and, uh, I really don’t know what you’re talking about, so maybe you could come back later and talk to my† Ian was speaking in rapid fire. It was so obvious that he knew something about this that the officer stepped inside and sat down on the couch in the living room. â€Å"Son, I know that you know something,† said the cool detective. â€Å"And the quicker you tell us what it is, the quicker we can both relax. Now why don’t you tell me what’s going on.† When Ian had told the police about this, he had no idea what kind of offence he was laying on his brother and his friend. He had just overheard them talking in Josh’s bedroom. He never meant any harm to anyone. He just wanted to show Josh that he could do whatever he felt like doing, thus proving to be tough. Now, he felt like he had to get his brother out of whatever trouble he had gotten him into. As for Kevin, he could fend for himself. â€Å"Sir, it’s my brother’s friend. He came over one day and told Josh, that’s my brother, that he was going to get revenge on this bully at school and asked him to help out. Josh said that he would have nothing to do with Kevin’s plan and so Kevin called up someone else. That’s all I know, sir,† lied Ian. He felt like he had done a good thing for his brother. â€Å"And I have Kevin’s address too.† Ian went and got the address book for the detective and gave him that of Kevin Young. Ian had no idea what he was setting up for Kevin nor did he know that his brother would have been happy to take all of the blame for his friend. All he knew was that he and his brother were off the hook. â€Å"It was beautiful! I don’t think Trent O’Leary will ever move his desk again,† laughed Josh. â€Å"I never dreamed that I would ever, ever beat that oversized goon. Now I know that we can do anything.† Josh and Kevin had never looked so jolly in their whole lives. The look on their faces was one of pure mirth. The moment that the floor under the jock’s desk had erupted with water, they couldn’t help but burst with laughter. Fortunately, neither could anyone else in the class, which covered for them. Trent O’Leary finally knew what it was like to be the one everyone laughed at, not with, but at. His desk lifted a foot off the ground and he flew up into the air before landing right back down on the gaping hole in the floor, gushing with water. The water was warm, which made it a little more tolerable for O’Leary. Their plan had worked perfectly. â€Å"They didn’t even notice. I bet they looked for hours and couldn’t find anything wrong,† commented Kevin. â€Å"That was so sweet.† â€Å"I will never lose the image of the look on his face when he was three feet in the air!† beamed Josh. â€Å"Amazing.† â€Å"Who was right about this whole thing, Kevin?† asked a proud Josh. â€Å"I have to give credit where credit’s due,† said Kevin. â€Å"It was all you, my friend. Nature likes us, Josh. Nature agreed.† â€Å"You said it, man. Well put.† Part Eight â€Å"You did WHAT?† When Josh walked in the door to his house, Ian greeted him with the news that he had laid all the blame on Kevin. â€Å"First of all, how could you tell the cops about what we were doing? Do you know how stupid that was? I ought to beat the crap out of you! And secondly, why did you peg Kevin with all the responsibility? Do you know what’s going to happen to him now? He’s going to end up just like his father! You don’t know his father, do you? You don’t understand what he’s up against! He doesn’t have a chance! You are going to pay for this one, you little bastard! You are going to pay big time!† Josh yelled. Ian started to whimper a little. His whimpers then turned into sobs and tears streamed down his face. â€Å"Don’t cry to me. You’re not getting any sympathy from me so don’t waste your time.† Josh walked off in a mood so furious that it could only be described as indescribable. â€Å"I’m sorry, Josh!† sobbed Ian. â€Å"I just wanted to help! I’m sorry!† Josh reluctantly walked back into the room to comfort his desolate brother. â€Å"Hey, look buddy. We all make mistakes. We can’t help it. But you have to be careful what you say. It could end up destroying someone’s whole life, and that’s something you can’t get back. Sure, you screwed up. You’re only human.† Josh was now speaking in a soft, understanding voice. Then he snapped out of it a bit. â€Å"This whole speech doesn’t mean that I’m not mad at you, don’t kid yourself.† He walked off, still angry but a little more subdued. Kevin got home and saw a police car outside his house. He immediately dropped his books and ran in a blind panic. He didn’t get far, though, because there was another cruiser just down the street. They put him in the back seat and told him to wait there. He looked out the window and saw his mother in tears at the doorway of his house as a police officer explained what had happened. The officer came back to the car and they drove to the police station, which was a concrete box that had been hollowed out and put windows into the walls. They took him inside and put him in an isolated room, the kind with the fake mirror in it. They then came in and asked him questions like who was with him that night. He was loyal, of course, and said that he was with his cousin who lived in Idaho. He went on to say how he thought up the whole thing because O’Leary had bullied him. â€Å"It’s not like I pulled a Columbine on him. I never would. I never even had a toy gun as a kid,† said Kevin when he was asked if he realised how serious his actions were. â€Å"He wasn’t even hurt at all. He was just a little soggy.† They told him that he would have to stay there overnight in one of the cells. He was allowed one phone call and one visit. He called Josh and told him to come and see him. â€Å"Hey,† he said when he arrived. â€Å"Hey.† There was an awkward pause in which not a word was said. â€Å"Ian ratted us out, eh?† asked Kevin. â€Å"Yeah. Then he tried to get me out of it by saying that you asked me to do it and I said no,† said Josh. â€Å"I yelled at him for it and he cracked. He feels pretty terrible about it.† â€Å"He should,† Kevin said bitterly. â€Å"Once he starts feeling better I’ll kick the stuffing out of him for you,† promised Josh. Kevin nodded. A tear dribbled down his face. â€Å"Hey, man, you’re going to be fine. You can do this. We can do this. I can help, you know.† â€Å"But my Dad†¦Ã¢â‚¬  â€Å"You are not your Dad, Kevin. You are a completely different person. A stronger one. You know how to stand up for yourself, otherwise you wouldn’t have gone along with the plan. Even if you do get in trouble for it, we’ll always have the joy of looking back on O’Leary’s misfortune. That’s something no one can take away from us, alright?† â€Å"Yeah, I guess,† said Kevin as he wiped the tears from his eyes. â€Å"That was pretty cool, eh?† â€Å"Sure as hell was, man,† replied Josh. The guard came in and told them to wrap it up. â€Å"Say hey to my parents for me, will you?† asked Kevin. He was starting to break up again. Josh nodded that he would. Then he turned around and walked towards the door. â€Å"Hey Josh.† Josh stopped and turned back around. â€Å"Seems like Nature has mixed feelings about us,† said Kevin as he tried to smile. â€Å"No way, man,† Josh replied. â€Å"Nature loves us. You’ll see.† He grinned knowingly and walked out the door. The End Research Papers on The Plan - Creative Writing PaperTrailblazing by Eric AndersonHarry Potter and the Deathly Hallows EssayHip-Hop is ArtBook Review on The Autobiography of Malcolm XComparison: Letter from Birmingham and CritoHonest Iagos Truth through DeceptionEffects of Television Violence on ChildrenResearch Process Part OneAnalysis of Ebay Expanding into AsiaThe Effects of Illegal Immigration

Christian Expression Vocation Essay Example | Topics and Well Written Essays - 500 words - 3

Christian Expression Vocation - Essay Example Third, Christian vocation may connote gifts and leadership in readiness for lasting service. In view of this, Cooling (19-31) indicates an individual is self-conscious of his or her own gifts and capacities and to exhibit a fairly focused sagacity of the manner in which God wants these qualities to be employed to the advantage and betterment of the general world. Abraham is one of God’s servants who exercised utmost faith in the Creator by following all the commands of God. After the death of his father, Abram was instructed by God to abandon his homeland for another place where He would direct him (Eslinger 189-193). The faithful took his household of three including his wife Sara and Lot and followed God’s commands to what is today Israel-Palestine land. Despite the fortunes in the rich land, Abraham never built a home in this new environment but led a nomadic life, moving from one place to another to earn a living. The immense faith demonstrated by Abraham led him into securing his descendents the rich land. Additionally, God altered his name from Abram to Abraham and his wifes from Sara to Sarah. This is a clear manifestation of the strong faith he had in God. Few would agree to change their name in favour of a new beginning. According to Eslinger (192-207), God tempted Abrahams faith in Him by instructing him to offer his only son, Isaac for sacrifice. This event was imperative on two grounds: if the Isaac was sacrificed Abram would not have any heir to take over the land that God had assured Abraham. If Abraham successfully offered his son to God as sacrifice, he must have had faith in the coming back to life of the departed. Once God witnessed the seriousness of Abraham, in regarding the sacrifice of his son, He set forth and offered him a ram instead, to offer in the occasion.

Kellogg's Market analysis Essay Example | Topics and Well Written Essays - 1000 words

Kellogg's Market analysis - Essay Example This has provided a good opportunity to companies like Kellogg’s. Similar emphasis is being placed on products which can provide good nutritional values and energy and are easily portable. Jaffer (2008) points out that with such considerations gaining ground Kellogg’s has repositioned its K-bar as an energy bar. This bar was traditionally positioned as an alternative to its breakfast cereal line, but now it focuses on the consumer’s demand for more natural energy. The company recorded revenues worth $11,776 million during the FY2007, an increase of 8% over FY2006. The key areas in which Kellogg’s operates has been primarily divided into four major segments like North America, Europe, Latin America, and Asia Pacific. This helps the company in devising segment specific strategies for these geographical regions. For example, in India Kellogg’s launched an SMS advertising campaign to tie in with its offline advertising for corn flake brands (Media Asia, 2004). With use of mobile phones increasing and the growing number of mobile users in the billion strong markets, mobile branding is one of the innovative techniques that are being used by this American MNC. Being a leader in the business, the company has been able to take advantage of its strategic placement and alliance in different markets to successfully experiment with new initiatives. One of the key focus areas for Kellogg’s is the ‘Children segment’. This prompted the company to enter into a multi-year global relationship with Disney in 2002. Some of the st rengths and weaknesses of Kellogg’s can be summarised as follows; Strong Brand Identity: Having a glorious past of more than 100 years Kellogg’s is a well known brand in many parts of the world. The portfolio of product brands offering corn flakes, Keebler, Chocos, Pop-Tarts, Eggo, Cheez-It, Nutri-Grain, Rice Krispies, Special K, Murray, Austin, Morningstar

Hardware Components Essay Example for Free

Hardware Components Essay There are several types of hardware storage devices invented and designed to facilitate encoded and retrieved data storage in computers. Some of the examples of these storage devices include the ff. : the hard disk, floppy disk, RAM, CD ROM, and tape. Furthermore, these storage devices together with hardware component of clock speed play their distinct roles to determine the speed and speed rate of a computer (MSD, 2006). Body First, introduced in 1956 and developed during 1973, by the IBM company, the hard disk, or â€Å"hard disk drive† as mentioned, is one example of a stable and reliable secondary hardware storage device that efficiently facilitates speed. It functions as some kind of an optimal and purposeful storeroom which saves accumulated and encoded numeric and digital data, and it is also appropriate for running application programs on spinning magnet-plated platters that is performed by execution and command by the user. Hard disk drives were created for personal computer usage. It has features like audio playing, video gaming, video recording, etc (MSD, 2006). Second, the role of hard disks in determining the speed of a computer is very significant because with the use of hard disk, it can makes the access of files easier and faster as it runs or rotates. The bigger the platters or dishes used by the hard disk to run, the faster its speed and the smaller the platters, the lower the capacity of the computer to run, work, or access files faster. The number of disks in a specific computer may vary at a minimum number of 3 disks to a maximum number of 5 running disks revolving 60 per second. Most hard disk drives make use of removable cartridges while some do not. Most people create back up from the files they saved from the disk since the recent hard disk is created with such a sensitive feature. It can store data from 20 M up to 40 M (MSD, 2006). Third, a floppy disk coming in two sizes: 5 ? and 3 ? inches, is a detachable or unfixed storage device which is already obsolete. It is secondary as compared to the huge capacity of hard disk when it comes to data storage memory. The uses of floppy disks though, become popular for it is much cheaper than the cost of a hard disk. Moreover, it is more convenient to carry floppy disks wherever you go and save data for the use of backup purposes. Moreover, floppy disks make use of the delicate, magnetic and bendable disk which is film-like in color and enclosed in a protective plastic shield or case. The roles of floppy disks portray no role in determining the speed of a computer—speed is determined by the Central Processing unit and its memory rather. For practical reasons, hard disks are favored over floppy disks especially when the cost of the first (hard disks) becomes more inexpensive than the latter. Further, floppy disks are really essentially slower and more sensitive than hard disk that is why it is more prone to damage (MSD, 2006). Fourth, random access memory (RAM) is the primarily appropriate for storage of data that occurs in the computer’s memory and is stored directly at the computer’s Central Processing Unit (CPU). The two types of RAM are the SRAM and the DRAM. SRAM stands for Static RAM and the latter meaning, Dynamic RAM (DRAM). With the use of RAM, user can program the CPU to read, write, and locate data. The role of RAM is to carry out and execute calculations at high speed which is made possible by the said feature of RAM or computer memory that operates random to locate items or applications in the computer system (MC, 2008). Fifth, with the use of compact disks, the CD-ROM operates and exemplifies the use of read-only memory for sharing and sending applications like music files, games, and other multimedia files and desktop applications. The capacity of CD-ROM when it comes to data storage is up to 650 M. Recently, CD-ROMs tend to be much cheaper than other storage devices. CD-ROM is appropriate for expansion of one’s personalized computer system. In addition, CD-ROM does not play a role in determining the speed of a computer. In fact, user retrieves data slower than any other available data computer storage device in the market if the computer is not supported by CD-ROM’s â€Å"data transfer speed (MSD, 2006). † Sixth, tape is a thin strip of plastic, magnetic coated device used mainly for recording and it is known to be appropriate for secondary data storage or backup. Moreover, this tape is most appropriate for the purpose of calculations or â€Å"personal computing. † There is a no role that a tape plays in order to determine speed in a particular computer; further, data access is slower than expected together with its inconvenience for the required retrieval of data in orderly and chronological manner (MSD, 2006). Lastly, clock speed—as measured in megahertz (MHz), is the â€Å"speed of the internal clock of microprocessor. † Clock speed is appropriate for functioning in operation in the internal processing of a computer. The clock speed plays an important role in determining the speed of a computer and it affects the overall performance of the computer (MSD, 2006). Conclusion Several types of hardware storage devices are invented for data storage in computers: the hard disk, floppy disk, RAM, CD ROM, and tape. All mediums except for the floppy disks, CD-ROM, and tape play a role in determining the speed of a computer. These devices except for the other three are hardware components that determine the speed and performance of a computer.

Comparing the Role of Women in Taming of the Shrew and Twelfth Night :: comparison compare contrast essays

The Role of Women in Taming of the Shrew and Twelfth Night      Ã‚   Many critics have lambasted the female characters in Shakespeare's plays as two-dimensional and unrealistic portrayals of subservient women.   Others have asserted that the roles of women in his plays were prominent for the time and culture that he lived in.   Two works, Taming of the Shrew, and Twelfth Night, stand out particularly well in regards to Shakespeare's use of female characters.   After examining these two plays, one will see that Shakespeare, though conforming to contemporary attitudes of women, circumvented them by creating resolute female characters with a strong sense of self.        Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The Taming of the Shrew is one of Shakespeare's most famous plays, and has weathered well into our modern era with adaptations into popular television series such as Moonlighting.   For all the praises it has garnered throughout the centuries, it is curious to note that many have considered it to be one of his most controversial in his treatment of women.     The "taming" of Katherine has been contended as being excessively cruel by many writers and critics of the modern era.   George Bernard Shaw himself pressed for its banning during the 19th century (Peralta).   The subservience of Katherine has been labeled as barbaric, antiquated, and generally demeaning.  Ã‚   The play centers on her and her lack of suitors.   It establishes in the first act her shrewish demeanor and its repercussions on her family.   It is only with the introduction of the witty Petruchio as her suitor, that one begins to see an evolution in her char acter.  Ã‚   Through an elaborate charade of humiliating behavior, Petruchio humbles her and by the end of the play, she will instruct other women on the nature of being a good and dutiful wife.      Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In direct contrast to Shrew, is Twelfth Night, whose main female protagonist is by far the strongest character in the play.   The main character Viola, has been stranded in a foreign land and adopts the identity of her brother so that she might live independently without a husband or guardian.   She serves as a courtier to a young, lovesick nobleman named Orsino.   Throughout the play she plays as a go-between for him to the woman he loves.   In the course of her service, she falls in love with him.   Only at the end, does she renounce her male identity and declares her love for him.

Problems teenagers face Essay

Acquiring an Identity and establishing self-esteem are two of the biggest obstacles that teenagers face. As children mature, they view themselves in more complicated ways. By the time they mature into teenagers they are able to give detailed psychological descriptions of themselves. Consequently, they become more interested in understanding their own personalities and why they behave the way they do. During the period of adolescence, feelings towards oneself change. Nonetheless, as individuals become more and more confident their self esteem increases. Most teenagers go through periods when they are unsure of who they truly are. When they reach adulthood it is more likely that these young adults have a better sense of their real personality then someone who didn’t go through this struggle. This is mostly do to the fact that if you have this problem at some point you tend to study who you really are and in the end know yourself better. A child who is popular is much less likely to go through this issue. As children get older and begin high school there is an increased importance of friends. As teenagers begin trusting and telling secrets to their friends, their relationship gains a sense of loyalty and obligation. When a teenagers finds him or herself thinking like a someone else it develops into a friendship. If a strong bond occurs with someone normally of the opposite sex dating might occur. Dating is a very loose word which can mean many different things. It can mean going out in a group to have fun, going out in a group to get to know each other, or just two people going out to see a movie. After feelings have grown between two people they sometimes experiment sexually with each other. Most teenagers’ first practice with sex does not involve another person. Many young adults have sexually related fantasies about someone they know (or someone they don’t know for that matter). It is also fairly common for adolescents to masturbate. When many adolescents have reached high school, they have had some experience with intimate sexual contact, such as kissing, caressing, or sexual intercourse. In the 80’s it was common to become sexually active young, however now it seems as though that rate is slowing down. Judaism and many other religions look down on sexual activity or anything of that nature before marriage. Sexuality is only one of the main issues that high-schoolers face. Another main concern in a teenager’s life is school. The school day and the school atmosphere is much more treacherous then it was in elementary school. When they were younger children very few classrooms and they were â€Å"taken care of† by one or two teachers. In high school, children tend to have a different teacher for each subject. This puts a huge strain on kids.Also, in elementary school, children work with their teachers all day. Once they are in Junior high they need to learn how to manage their time alone. This can put a huge dent in people self esteem. Because they are so stresses their interest in other things may decline which only makes the situation worse. The only way to try to avoid this is to prepare ahead of time for it. That way you will expect it and be ready for the change. Another huge problem that teenagers face is alcohol and drug abuse. Alcohol, tobacco, and marijuana are big issues in many schools. Adolescents tend to experiment to fit in with their friends. Teenagers may see smoking or drinking a gateway to popularity. There are many more reasons as to why children try drugs, alcohol, and cigarrettes, but that is one of the immense reasons Establishing a sexual identity is another huge concern in the eyes of teenagers. Sexual identity mainly means who you are attracted to (Same/Opposite sex). People whose own sex appeals to them are called homosexuals/lesbian. People who are attracted to the opposite sex are called heterosexual. When most children enter high school they are spending most of their time with the same sex. An outcome to this would be that many adolescents begin to experience sexual feelings before they come close to anyone of the  opposite sex. This only means that their sexual development is beyond their social development. This isn’t always an obstacle but it is something all maturing teenagers face. Eating disorders is one of the most serious obstacles that teenagers face. Some adolescents, especially females, become so concerned about weight and their looks that they take drastic and dangerous measures to remain thin. The most common practice of this is causing yourself to throw up.This is called bulimia. Young women with a disorder called anorexia nervosa starve themselves to keep their weight low. These people view themselves as overweight when they are actually thin. Bulimia and anorexia nervosa are uncommon until one is a teenager and after one is 21. Their are many issues that teenagers face and they all, in one way or another, effect that child’s self esteem. Almost every aspect of maturing for a teenager can cause stress. It is a very sensitive and important time for all human beings.Every year more and more is being done to prevent the stress we face but there is still much more work to be done.

Internal External Strategies Essay

Tradeoffs between an internal and external growth strategy goes together in an organization. The internal organization which focuses on the internal growth of the firm look upon the comforts for the internal people and the facilities are provided internally for the employees. The employees are boosted up and they are encouraged from giving them bonus, over time etc. the internal growth of an organization helps it to groom itself completely but this sets a backward area. The internal growth comprises on the employees moral, the expansion of the organization, more opportunities are overwhelmed for the employees and they are trained in such a manner that they become sharp and confident and boast them in an orderly manner. As a result only the internal growth is focused and the external has to go through a tough time as the only focus becomes the internal growth and the cost is ignored. The production cost gets higher and the demand is affected which leads to a decrease in the sale of goods in the market (Clare & Stutely, 1995). On the other hand when the external growth is focused the budget and the cost are kept in view and the people are mainly focused on the output in the market. Cost cutting is observed and this even leads to the suspension of employees from their job. The cost of the product is kept in view and then decisions are taken to avoid any kind of disturbance in the demand of the product. This creates misconception among the employees and the owners and a huge gap is created among relations. Employees are not focused and not considered for increment. These are the tradeoffs between external and internal growth strategy (Triant, 2006). In international strategy external growth is focused as it is more profitable for them. In international trade only the cost and the demand is focused. Profit is only the motive of the international traders and therefore external trade strategy is the best approach.

Exhibition Review

Exhibition Review Introduction In this article, I will examine an ongoing exhibition, After Photoshop, at the Metropolitan Museum of Art. The exhibition has been running since September 25th, last year and will be closed on May 27th this year. The subs There are some photographs that I find quite appealing. One of them is titled 110 Junction. In this photo, a car is placed about 4 meters above a street and appears to be either in hot pursuit of another car not seen or pursued by other car/s that is/are not seen. This photo is dated 2010 and has been taken and manipulated using Photoshop software by Matthew Porter. There are a number of things which I like about the ingenuity displayed in this photograph – 110 Junction. First, the artist must have taken time to find the correct place on the road that would accommodate this manipulation. As we know, cars do not fly, at whatever speed they might be, when the road is flat. The flying action comes when a car at great speed is going over a hump. I al so like the fact that this artist has gone for a very huge hump that beautifully displays proportionality with the height above the road that the car is flying. It would not have made any sense if the car had been placed at this height above a flat road or over a very small bump. I greatly admire the angle at which the artist placed the car. It is right above the road moving in the correct direction as it could have if it was on the road. I find it humorous that the artist was not in the mood to violate traffic rules because, either intentionally or by chance, he took the original photograph when the green lights were on. Another photograph I find extremely nice to view is an untitled photograph of a young girl with the eyes of a puppy. It is not easy to notice that the eyes are not hers. The artist who created this photograph, Rebenstein, was airing his views on the debate on interspecies tissues grafting. This photograph speaks to us in volumes asking many questions. It helps us t o imagine how it could be to harvest organs for human beings from animals. It raises ethical questions and springs up animals welfare feelings. The photograph is an open invitation for a discourse about the future of human cloning. It scares me to imagine such a beautiful young girl in a puppy’s eyes – but the photo seems to be saying: ‘this is the future’.Advertising Looking for essay on art and design? Let's see if we can help you! Get your first paper with 15% OFF Learn More The Exhibition Organization The organization of exhibition is done well. The photographs have no particular order except of those that are from the same artists and particularly on the same theme. Such photographs are placed together. The photos are represented in Gallery 851 of the Metropolitan Museum Art. They are well lit and placed on walls painted with white paint. The exhibition room is spacious and lit from the roof. Overall Evaluation In general, the exhibition is a great work done by the Metropolitan museum. I find it quite appealing, especially in the manner in which photography is used to speak out our hopes and fears. The ability of Photoshop Software is shown and this exhibition indicates that photography can be used as a ground of communication on serious issues affecting our society. The combination of humor and seriousness in one photograph provides a viewer with a thoughtful and entertaining perception. I greatly invite any person wishing to have a pensive viewing to find the time for this exhibition. As already noted above, it is running up to May 27th this year.

GPA, SAT and ACT Data for Top North Carolina Colleges

GPA, SAT and ACT Data for Top North Carolina Colleges North Carolina has some impressive options for higher education, and the admissions standards for places like Duke and UNC Chapel Hill can be daunting. Most top-ranking schools have holistic admissions, so the final admissions decision takes into consideration things like your extracurricular involvement and application essay. That said, youre going to need high grades and strong test scores to get into most of the schools on this list. To see if youre on target for admission to some of North Carolinas top colleges, follow the links in the list below:   Appalachian State University Roughly two-thirds of applicants are admitted, and most have grades of a B or higher and standardized test scores that are average or better. GPA-SAT-ACT Graph for Appalachian State Admission Davidson College Fewer than a quarter of all applicants to Davidson will be admitted, and nearly all successful applicants had grades in the A range and above average standardized test scores. GPA-SAT-ACT Graph for Davidson College Admission Duke University Duke consistently makes my list of the countrys  most selective colleges.  Youd better have high grades and standardized test scores if you want your application to be taken seriously. In  2015, just 11% of applicants were admitted. GPA-SAT-ACT Graph for Duke University Admission Elon University Elon admits about half of its applicants. Most admitted students have grades in the B range or higher and SAT/ACT scores that are at least a little above average. GPA-SAT-ACT Graph for Elon University Admission Guilford College About a third of applicants to Guilford are rejected. The school has test-optional admissions, so dont worry if your SAT or ACT scores arent ideal. You will need a high school record that demonstrates your college preparedness. GPA-SAT-ACT Graph for Guilford College Admission High Point University High Point University is one of the less selective schools on this list, but youll still need solid grades and test scores to be admitted. A little over a quarter of all applicants are not admitted. GPA-SAT-ACT Graph for High Point University Admission Meredith College This womens college admits about 60% of applicants. Most women who get in have grades in the B range or higher and SAT/ACT scores that are at least average. GPA-SAT-ACT Graph for  Meredith College Admission NC State University About half of applicants to NC State get in, which means over 10,000 applicants receive rejection letters. Youre probably going to need above average grades and test scores to be admitted. GPA-SAT-ACT Graph for NC State Admission Salem College Salem is another womens college, and its admissions bar is similar to Meredith College. A little over a third of applicants will not get in, and youll need grades and test scores that are at least average. GPA-SAT-ACT Graph for Salem College Admission UNC Asheville Youll want a GPA above a B and above  average SAT/ACT scores to be competitive at UNC Asheville. Dont be fooled by the schools relatively high acceptance ratestudents who dont qualify for admission dont tend to apply. GPA-SAT-ACT Graph for UNC Asheville Admission UNC Chapel Hill As the flagship campus of the UNC system, Chapel Hill is highly selective. Less than a third of all applicants will get in, and those who are admitted have grades and test scores that are significantly above  average. GPA-SAT-ACT Graph for UNC Chapel Hill Admission UNC School of the Arts Only a third of applicants will get into UNC School of the Arts, but unlike other schools on this list, your grades and test scores may not be the most important part of your application. Successful applicants need to have strong non-numerical measures such as auditions, portfolios, and resumà ©s of relevant experiences. GPA-SAT-ACT Graph for UNC School of the Arts Admission UNC Wilmington UNC Wilmington is a moderately selective public university. Over a third of applicants wont get in, and those who are admitted typically have above average grades and SAT/ACT scores. GPA-SAT-ACT Graph for UNC Wilmington Admission Wake Forest University Wake Forest is one of the more selective colleges to move to test-optional admissions, so you dont need to worry about your SAT and ACT scores. That said, you probably will need high school grades up in the A range. GPA-SAT-ACT Graph for Wake Forest Admission Warren Wilson College As a work college, Warren Wilson is not for everyone, and the admissions process is largely about identifying students who will be a good match for the schools ethos. Roughly four out of every five applicants are admitted. Successful applicants tend to have grades in the B range or better and above average standardized test scores. GPA-SAT-ACT Graph for Waren Wilson College Admission

Critically analyse and assess the trend towards globalization of the Assignment

Critically analyse and assess the trend towards globalization of the banking system and its impact on domestic banks. Identify a - Assignment Example The changes include demands from new trends as well as components within the internal organization that are being redefined. Definition of Research Problem The concept of banking is one which is based on national needs, as well as regional elements which are associated with various groups of individuals. However, globalization is beginning to change the internal and external environment while altering products and services offered by those who are a part of banking. This is now leading to several problems, specifically because of the different needs in various parts of the world. Currency exchanges, cost of living relationships, lending channels and basic operations are now being altered, specifically because of needs that are associated with different regions of the globe. The changes are now leading to alterations in market value and many banks which are either making changes domestically or which are becoming dependent on foreign investments and stocks for new opportunities with b anking (Cetorelli, Goldberg, 2008: 14). The research problem defines the problems which are occurring with global transfers as well as how this is redefining the services, products and transfers that are within various banking systems. Literature Review The concept of global banking is one which is now only beginning to surface as a way to work with the corporation of banking systems. In the past, there were basic services and products which were offered specific to the currency of a location. The services and products combined attributes of banking according to one’s culture, capital flows and the financial firms within a specific country. The changes today are now based on an expansion of services and products to help nations in various regions across the world while offering new products and services for changes with global banking. The concept of global banking systems includes the options of lower cost of capital, improved allocation and investments with property rights and institutions. The banking systems are incorporating micro-financing as well as basic services and products which can transfer across borders. Many in other countries are using this as one of the first methods for financing within the country (Mishkin, 2008: 135). The main capabilities for banking systems to establish at a global level come from the enhanced technology which doesn’t define the borders or other applications which are a part of the system. Information processing, telecommunications and other options are providing banks with new alternatives for going overseas. This is combined with the investment opportunities which are continuing to arise for those that are in the different countries. The financial technologies are one of the investments that are leading the way with those who are looking at global expansion from domestic relationships. However, this also limits the products and services which are available and defines a different type of system and sets of services which can be available overseas. Most that are transitioning into this are still experiencing barriers for entry with the government as well as with different needs that are from the technology and the expectations within a given country (Berger, 2007: 1955). Limitations to the Banking System While there are specific aspects that are related to technology, most are finding that this transition is one which is too new to offer complete security

THE COLLAPSE OF THE HALIFAX BANK OF SCOTLAND, AND THE SUBSEQUENT Essay

THE COLLAPSE OF THE HALIFAX BANK OF SCOTLAND, AND THE SUBSEQUENT RESPONSE OF THE UK AUTHORITIES - Essay Example HBOS formation took place in the year 2001 as a causal resulting from the merger of both Halifax and the Bank of Scotland. The former’s position towards mortgages and the latter’s bravery in corporate lending that was to create a balanced Big Five Bank. In the year 2001, it had a total assets summing to 275 billion pounds, much bigger than that of its ultimate rescuer Lloyds and approximately three-quarters as big as Barclays and the Royal Bank of Scotland (O’sullivan & Kinsella 2013, p. 9). This report will highlight the four areas in which this new banking force sowed its destruction seeds. These four areas include aggressive expansion; deluded management; failure of internal controls; and reluctance to heed to the warnings of the FSA, and even allowing the shortcomings of the regulator. The key to the growth of HBOS, as per the findings of the commission, was in accepting of more risks across all the division of the group. The strategy was to ensure a new cultures in the higher echelon of the banking system. This culture was brash and underpinned by the belief that the growing market shares were as a result of a special skills category possessed by the HBOS and lacking to the competitors. The culture effects became even more corrosive when joined with the absence of corporate self–knowledge within the organization top as time elapsed. Tellingly, in October 2007, as the alarm bells rung in banks all over the world, Cumming, the head of HBOS debt-fuelled corporate wing, remarked that people appeared to lose their nerves. They were panicking even to the days testing property environment (Veron 2010, p. 113). Cumming’s corporate division ended up with an impairment of 25 billion pounds, an equivalent to the 20pc of its loan book in 2008, and away out of balance with rival banks. But while the corporate book holes hastened, the rescue by the taxpayers and