Delayed Subjects in English Grammar

The No-Fear Legacy Essay - 1697 Words

The No-Fear Legacy ~Nicole and Dawn~ It all started on August 23, 2005. It seemed like it was just going to be another average day. Nicole had stayed the night at Dawn’s and now they were both walking down to the bus stop for school. Nicole’s blonde hair blew in the wind while her pink earrings clanked like a wind chime. They stepped on to the bus and prepared for the long ride. Nicole and Dawn started noticing clouds moving in from the ocean. They were moving faster and faster. Every second they got darker. They both remembered watching the news report that morning. It said to expect heavy thunderstorms. They didn’t really think about it and were soon stepping off the bus. They walked into their school, Lincoln Bay High, and headed†¦show more content†¦Nicole and Dawn knew they would need this. ~Kobe and LeBron~ About 900 miles away, Kobe and LeBron were facing the after effects of Hurricane Katrina. They waded through the deep water trying to find their homes. It was impossible. For all they knew, they were heading in the complete opposite direction. Kobe’s afro wasn’t much of an afro anymore. His blue eyes could have been mistaken for grey because he was so sad. Then something caught both of their eyes. Kobe’s sister had a bright pink truck and it was the only one in the neighborhood. They ran as fast as they could and discovered it was in fact Kobe’s sister’s truck. They ran in the general direction of the house. They found a way to get up to the second floor and prayed both of their families were their waiting. When they opened the door they saw nothing but a note that said they had to evacuate and had went inland. Kobe and LeBron started their long journey inland. The silence was interrupted when they heard a boat. They started yelling and splashing so they could try to catch the driver’s attention. The driver sped over and picked them up. He was part of one of the rescue teams the Red Cross had deployed throughout Miami. He asked where their families were and they replied, â€Å"They went inland.† He said he could â€Å"drive† them to the command center so they could try to contact their families. On the way to the commandShow MoreRelatedLegacies in Ozymandias by Percy Bysshe Shelley and When I Consider How My Light Is Spent by John Milto1334 Words   |  6 PagesIs Spent† by John Milton both consider a man’s legacy after death. However, both poems talk about a man’s legacy from very different perspective and come to their own conclusions. In â€Å"Ozymandias†, a traveler describes a broken statue of King Ozymandias (the Greek name for the Egyptian Pharaoh Ramses II) and the barren ruins surrounding the statue. Ozymandias believes that his legacy will last forever. 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Mckinsey Report July 2012 Free Essays

Day of reckoning for European retail banking McKinsey report July 2012 The dynamics of the global banking sector have been in flux since the beginning of the 2008. Irate creditors everywhere have called for more stringent regulation to ensure that that the interests of financial institutions are more closely aligned with those of their customers and shareholders. The global, European and national authorities have responded with vigour and the regulatory reform to which all banks, wholesale and retail, will be subject in the coming years will have an important impact on their bottom line. We will write a custom essay sample on Mckinsey Report July 2012 or any similar topic only for you Order Now The single biggest cause of a reduction in retail banks’ ROE will come from the global regulatory mechanism Basel III, which will place greater capital requirements on banks and more emphasis on adequate funding and liquidity. Furthermore, three important European regulatory instruments, the EU Mortgage Directive, the Markets in Financial Instruments Directive (MiFID II) and the Single Euro Payments Area (SEPA), Payment Service Directive, will also considerably diminish ROE. Finally, the implementation of new national regulation will create further downward pressure on ROE, though this will vary considerably from country to country. This report provides estimates on the impact on capital, revenues, costs and profit margins of all the relevant regulations on each product (both asset- and liability-based) in each of the four biggest European markets – France, Germany, Britain and Italy – which combined constitute 66% of the EU27 retail-banking market. ROE is the standard metric used and the report calculates the cumulative effect of all regulation as if it were all put in place immediately, using 2010 as the baseline year. The paper reaches some important conclusions. Firstly, with regard to national and continent-wide retail banking markets, ROE will fall from approximately 10% to 6% when all four markets are taken as a whole. Below is a breakdown of the effect in each of the national markets: Country France Germany Italy UK ROE Pre-Regulation 14% 7% 5% 14% ROE Post-Regulation 10% 4% 3% 7% Delta -29 -47 -40 -48 The impact in the UK is particularly caustic as national regulation is extensive. In terms of the effect of regulation on the different product offerings of retail banks, asset-based products are generally the harder-hit. In the UK and France, mortgages and small-business loans will be the most adversely affected. Similarly in Germany mortgages, personal and small-business loans will be the most negatively influenced. In Italy, the value of every asset-based product will be impaired. The disheartening truth of the matter is that across the board the ROE of asset-based products will fall below 10%, which is currently the estimated cost of equity for retail banks. On the other hand, liability-based products will prove more resilient. Deposits will become more valuable to retail banks as they are an advantaged form of funding and liquidity under new regulation. Geographically speaking, in France and Germany only investment products and debit cards will be negatively affected and in Italy most liability-based products will escape relatively intact. However, once again domestic regulation in Britain will play a role in reducing retail banks’ ROE, to the extent that all liability products in the UK will be adversely affected. An important section of the report discusses global systemically important financial institutions (GSIFIs). Such pecuniary establishments are considered too interconnected and universal to be subject to the new regulation imposed on smaller-scale retail banks. The Financial Stability Board has therefore proposed additional capital requirements for G-SIFIs, which will induce a further reduction of their ROE of anywhere between 0. 4 percentage points and 1. 3 percentage points depending on the institution. In addition, it will be obligatory for all G-SIFIs to prepare a recovery and resolution plan (RRP) that will provide a strategic map for authorities to wind down the bank in the event of dissolution. The Basel Committee on Banking Supervision (BCBS) is also developing new global rules on risk IT for G-SIFIs which are expected to be issued by the end of 2012. Such regulation will mean that these organisations will be subject to exhaustive supervision and many ad hoc requests, thus amplifying costs and absorbing management resources. The general conclusion of this paper is that it is improbable that banks across the board in Europe will return to pre-regulation ROE levels in the short to medium term. The UK will be particularly adversely affected due to its inflexible domestic regulation. Nevertheless, the paper proposes four mitigative measures retail banks can employ in order to cushion the blow of new regulatory forces on their ROE levels. The first is â€Å"Technical Mitigation†, which essentially involves improving efficiency of capital and funding. Secondly, â€Å"Capital – and funding-light operating models† seek to further improve funding efficiency and reduce risk-weighted assets (RWAs) by implementing changes to their product mix and characteristics and ensuring more vigorous pursuit of collateral and better outplacement of risk. Thirdly, and although they will be severely limited in doing so by regulatory authorities, banks can execute â€Å"repricing† in order to compensate the shortfall in ROE. The paper predicts more repricing in fragmented industries, which implies that the scale of repricing will be limited in the UK, a highly concentrated industry. Types of repricing include new fee-based pricing, modular pricing, partial performance remuneration and value-added packages. Finally, and perhaps most dramatically, financial institutions can engage in â€Å"Business-Model Alignment. Such restrategizing would involve two principle shifts. The first centres on a new, rigorous focus on ROE in retail banks, meaning greater investment in management systems and strengthening their resource allocation processes. The second important shift can be denoted as â€Å"Sustainable Retail Banking,† and comprises four key elements: expansion into new revenue sources, creation of advice for which customers w ill pay, reconfiguration and refocusing of the distribution system to render it leaner and simpler and cutting absolute costs by 20 – 30%. By exercising the above levers, retail banks can create a bulwark against the weight of new regulation and cushion the inevitable reduction in their ROE. Anticipatory forward-planning of mitigation measures is central in adapting to the new regulatory environment engulfing retail banking and will help banks that are fully committed to returning to pre-regulation ROE levels to achieve their post-regulatory reform potential. How to cite Mckinsey Report July 2012, Papers

Good Man Is Hard to Find free essay sample

According to Shakespere, All the worlds a stage, And all the men and women merely players. Some people, in their daily lives, do more intentional acting, or decieveing, than others. The terms Friday Muslim or Sunday Christian have been coined to describe people who appear to be devout to their religion when they attend their weekly religious gathering, but otherwise do not display any moral connections to it. These people put more importance on appearing as a good and richous person rather than actually thinkning, speaking, and acting according to the religious documents they claim to follow. Living this sort of life proved to be fatal for the Grandmother in Flannery OConnors A Good Man Is Hard to Find. The Grandmothers religious hypocracy caused her to corrupt the thoughts of her grandchildren, manipulate events onto a negative path, and ultimately cause the death of her and her family. Studies done by the National Child Study indicate that childrens views are larely shaped by caregiver/child interactions throught childhood(Measuring). John Wesley and June Stars mother and father seem to be very passive and quiet with thier views. In comparison, the Grandmother is outspoken, opinionated, and presents herself as a religiously knowledgable, and there for trustworthy, person. The children seem to have picked up on her racist views as their normally argumentitive resopnses are absent when she makes condesending comments about an ovbiously poor Negro child standing in the door of a shack(Oconnor) they pass on their trip. The impression of the grandmothers views into the children is also aparent when, rather than being appalled at her racist story about a suitor bringing her watermelon, this story tickled John Wesleys funny bone and he giggled and giggled(Oconnor). Also, June Star shows signs of the same materialistic shelfishness of the Grandmother when she states that she wouldnt marry a man that just brought her a watermelon on Saturday(Oconnor). The grandmother replies that she wishes she would have married him because he had died only a few years ago, a very wealthy man (Oconnor), as if wealth is the most important factor in deciding whom to marry. Nearly everytime the chirdren speak their comments reak of the condescending, corrupt influence of their grandmother. Had the Grandmother put more emphasis on actually practicing Christian values than just appearing to be a godly person she would not have had the relaxed attitutte towards lying which led her to her death. Fearing her cat ,Pitty Sing , might brush against one of her gas burners and accidentally asphyxiate himself(Oconnor), she sneaks the cat into the car. She knows that her son Bailey has good reason for not wanting the cat to accompany them on the trip and would not allow it, but this does not stop her. The Grandmother later tells a story to the children about a plantation she used to visit when she was younger. She believes he house to be a little way down a dirt road they passed on the highway. She begins to have a burning, almost childish, desire to revisit this landmark and so lies to the children. Knowing it will manipulate the children into helping her persuade their parents to visit the house, she tells them there was a secret:-panel in this house(Oconnor) which all the family silver was hidden in(Oconnor). As expected, the children begin whining untill their father, Bailey, agrees to make a one and only time(Oconnor) exception to the trip itenerary and visit the plantation. The Grandmothers deception leads to Bailey wrecking the car. The cat becomes statled leaps onto his neck, causing him to jerk the wheel in firght and lead the car into a ditch. Due to the Grandmothers lack of morals, the family is left helpless and injured on the side of a near abandoned road. As exzibited in devout priests, nuns, and missionaries, selflessness is highly valued in Christianity. The Grandmother would like for people to think of her as a selfless christian role model, but her actions prove her to be quite the opposite. Before the family sets out on the trip she attempts to manupulate them into going to Tennessee instead of Florida. She actually wants to go visit some old friends in her former home state, but she attempts to scare the family into changing their destionation. Had she not been so selfish, she would not have so clearly noted and remembered that The Misfit is aloose from the Federal Pen and headed toward Florida(Oconnor), and therefor would not have clearly recognized him when he stops to help the family later in the story. The Misfit made the decision to kill the family in order to cover his tracks only after the grandmother verbalized that she identified him. Her selfish attitude kept her from realizing that it was likely not in her families best interest to blurt out this realizatioin. It clearly shows that even in the most dire of situatioins no one elses well being was even close to the forfront of her toughts. The Gandmothers pattern of selfishness is not cohearent with her claimed Christian ties, and unwittingly led her and her family to be massacred. The politition who claims everyone should be green in order to save the planet but continues to travel in a private jet, The religious leader who preaches meantal purity and is found to have a drug habit, or even the parent who tells their child do as I say, not as I do; hypocracy in all forms has its victims. OConnor was known to be a devout Roman Cathloic and likely resented people who, like the Grandmother in this story, were good at pretending to be religious but had no actual commitment. Unfortuantly for the Grandmother her first selfless act came to late.