Pakistan Banks Ratios

What factors should Amerada management consider when evaluating the reposed strategy? . Calculate Marinade's debt-to-value ratio using both the book value and market value of the firm's equity. How does Marinade's debt-to-value ratio compare to that of other discount brokerage and investment service companies in Exhibit 4? In general terms, how does leverage affect the rockiness of a firm's equity? 3. Amerada has a short history of trading, so its beta cannot be computed precisely using its own historical data.Exhibit 4 provides some choices for comparable firms. Which of these firms do you think are appropriate to use as comparable to determine the beta of Marinade's planned advertising and technology investments? Why? 4. Using the stock price and return data in Exhibits 5 and 6, estimate the CAMP beta and Fame-French factor sensitivities for the stocks of comparable firms. 5. Estimate the weighted-average cost of capital for Marinade's proposed expansion. What risked rate do you us e?Are the cost-of-capital estimates similar using the CAMP and Fame-French three-factor models? Guidelines You may work on the case in groups of 3 or 4 students. Please hand-in one write-up per group. All members of the group should be prepared to discuss the case in class. State clearly any assumptions you make and provide enough information so that a reader can follow your analysis. I would expect the case write-up to be two to three pages plus supporting tables.

To Kill a Mockingbird – Dill Harris Character Sketch

Charles Baker Harris, who is commonly referred to as Dill, is a little boy in the novel, To Kill a Mockingbird and plays the role of a cardboard character. Dill is sincere friends with Scout and Jem and spends his summers with Aunt Rachel. Dill represents the naivety and innocence of childhood and is a very intriguing character. Dill appears to be younger than his actual age. In the beginning of the novel, Dill had a short stature and appeared to be four years of age, when in actuality, wassix years of age. â€Å"How old are you,’ asked Jem, ‘four and a half (Lee, Page 7)? ’† â€Å"‘Goin’ on seven (Lee, Page 7). † â€Å"‘Scout yonder’s been readin’ ever since she was born and she ain’t even started school yet. You look puny for goin’ on seven (Lee, Page 7). ’† The quotes from the novel are from a conversation between Jem and Dill when they met. Jem initially assumes that Dill is four and a half years because of his youthful appearance and petite body. Dill corrects Jem, stating that he is actually six years of age and is turning seven. Dill says in the last quote that he is quite small for his age. The quotes prove that Dill has a youthful appearance, small stature and appears younger than what he actually is. Dill also has white hair and a pair of blue eyes. â€Å"†¦ his hair was snow white and stuck to his head like duckfluff; he was a year my senior but I towered over him. As he told us the old take his blue eyes would lighten and darken†¦ (Lee, Page 8). † The quote from the novel is from the time when Scout is describing Dill’s hair and eyes. The quote is proof that Dill has white hair and blues eyes because this quote states that Dill’s hair was white with a duckfluff texture. The quote is also proof that Dill has blue eyes because the quote mentioned that Dill has a pair of blue eyes. Dill is of Caucasian race, given the fact that Dill has blue eyes. People of the Caucasian race are the only ones who can possess blue eyes. A positive trait that Dill possesses is his gift for storytelling and whimsical imagination. Dill would always make up peculiar stories about his life and share them with Scout and Jem. â€Å"Refreshed by food, Dill recited this narrative: having been bound in chains and left to die in the basement (there were basements in Meridian) by his new father, who disliked him, and secretly kept alive on a raw field peas by a passing farmer who heard his ries for help, Dill worked himself free by pulling the chains from the wall. Still in wrist monocles, he wandered two miles out of the Meridian where he discovered a small animal show and was immediately engaged to wash the camel. He traveled with the show all over Mississippi until his infallible sense of direction told him he was in Abbot Country, Alabama, just across the river from Maycomb. He walked the rest of the way (Lee, Page 140). † Another positive character trait that Dill possesses is his developed empathy for people. Dill desires fair treatment of every human being, regardless of race. â€Å"‘It was just something I couldn’t stand. ’ Dill said (Lee, Page 198). † â€Å"‘Dill, that’s his job. Why, if we didn’t have prosecutors—well we couldn’t have defense attorneys, I reckon (Lee, Page 199). ’† â€Å"Dill exhaled patiently. ‘I know all that, Scout. It was the way he said it made me sick, plain sick (Lee, Page 199). ’† â€Å"‘He’s supposed to act that way, Dill, he was cross—(Lee, Page 199)’. † â€Å"‘He didn’t act that way when—‘(Lee, Page 199). â€Å"‘Dill, those were his own witnesses (Lee, Page 199). ’† â€Å"‘Well, Mr. Finch didn’t act that way to Mayella and old man Ewell when he cross-examined them. The way that man called him ‘boy’ all the time an’ sneered at him, an’ looked ar ound at the jury every time he answered—(Lee, Page 199)’. † â€Å"‘Well, Dill, after all he’s just a Negro (Lee, Page 199)’. † â€Å"‘I don’t care one speck. It ain’t right, somehow it aint right to do ‘em that way. Hasn’t anybody got any business talkin’ like that—it just makes me sick (Lee, Page 199)’. The quotes from the novel are from a conversation between Dill and Scout after watching the trial of Tom Robinson for a while (Tom Robinson was a black man who was accused of sexually assaulting a white woman and was put on trial, despite the lack of evidence of the rape. The trial is unfair to Tom because the trial took place during the time when racism was prominent in the southern United States. The prosecutors and judges treated Tom disrespectfully and unfairly in the trial because he was black). In the conversation, it was shown that Dill was upset by the unfairness of the trial and the cruelty of the people towards Tom Robinson because he was black. Scout tries to comfort Dill, but Dill was far too upset by the injustice. In the last quote, Dill says to Scout that Tom shouldn’t be treated with disrespect because he was a Negro. The prejudice and unfairness of the trial reveals Dill’s empathy and desire for equal and respectful treatment of everyone, regardless if they’re black or white. This scenario in the novel causes Dill’s character to mature, such that he gains strong moral values like Atticus (Atticus is Scout’s father who is defending Tom Robinson and believes that black people should be treated equally and with respect, despite the fact that most of Maycomb’s citizens were racist). A trait of Dill’s that needs improvement is his naivety and his tendency to jump to conclusions without discussing his problems to anyone. Dill shows his naivety in the novel by running away from his parents because he believed that his parents didn’t love or care about him. Dill’s voice went on steadily in the darkness: ‘the thing is, what I’m trying to say is—they do get on a lot bettwe without me, I can’t help them any. They ain’t mean. They buy me everything I want, but it’s now-you’ve-got-it-go-play-with-it (Lee, Page 143)’. † The quote from the novel is from when Dill was e xplaining to Scout about why he ran away from his parents. Dill explains that he doesn’t feel loved by his parents because all his parents just do is give Dill material possessions to keep him occupied, instead spending time with him. What Dill really desires is not toys, but his parent’s time. Dill’s parents obviously love and care for Dill, but Dill is naive as to assume that his parents don’t. Instead of Dill discussing his situation with his parents or asking to spend time with him, Dill, with his naive mind, runs away from his parents. The fact that Dill ran away from his parents is proof that he is naive. â€Å"Jem gave a reasonable description of Boo: Boo was about sex-and-a-half feet tall, judging from his tracks; he dined on raw squirrels and any cats he could catch, that’s why his hands were bloodstained—if you ate an animal raw, you could never wash the blood off. There was a long jagged scar that ran across his face; what teeth he had were yellow and rotten; his eyes popped, and he drooled most of the time (Lee, Page 13). † â€Å"‘Let’s try to make him come out,’ said Dill. ‘I’d like to see what he looks like (Lee, Page 13). ’† â€Å"Our first raid came to pass only because Dill bet Jem The Gray Ghost against two Tom Swifts that Jem wouldn’t get any farther than the Radley gate. In all his life, Jem had never declined a dare. Jem thought about it for three days. I suppose he loved honor more than hid head for Dill wore him down easily (Lee, Page 13). † â€Å"‘You’re scared,’ Dill said, the first day (Lee, Page 13). † â€Å"‘Ain’t scared, just respectful,’ said Jem (Lee, Page 13). † â€Å"But Dill got him the third day, when he told Jem that folks in Meridian certainly weren’t as afraid as the folks in Maycomb, that he’d never seen such scary folks as the ones in Maycomb. That was enough to make Jem march to the corner, where he stopped and leaned against the light-pole, watching the gate hanging crazily on its homemade hinge (Lee, Page 13). †

Frederick Douglass

The American Slave In Sharon McElwee’s literary analysis of Frederic Douglass literary piece, â€Å"The Narrative of Frederick Douglass, an American Slave, by Frederick Douglass,† Sharon breaks down the different key elements in Douglass’ story that make it so outstanding. Frederick Douglass is famous for his speech given during a time where slavery was still considered acceptable and was used by most wealthy white. Slavery was not viewed as cruel, but a valuable business that could earn them money. Although Douglass was not alone, his speech stands out among the others who were fighting for their freedom. Sharon first notices the use of repetition that Douglass uses in his work. She claims that this theme of repetition allows the reader to focus primarily on the content, or message, rather than the literary structure that may sometimes be distracting. Douglass left little room for the imagination and made sure to reiterate and describe exactly what he was saying. She gathers from his works that Douglass wanted to get one main point across; that slavery is dehumanizing and an unfair practice that should be done away with. Because Douglass mentioned these two things numerous times, the reader is able to really connect with the purpose of Douglass argument. Douglass would use words with negative connotation repeatedly throughout his descriptions to help emphasize the fact that nothing good was to be associated with slavery. Sharon even notes that each sentence has a formula that Douglass used to help eliminate any outside thought. Before the semicolon, the first word of each section is the, the second word is an adjective that ends in -er, the third word is either he or she, depending on the subject, and the final word of each section is a verb ending in -ed. This formula makes for easy reading, and again puts the emphasis on the act, allowing the reader to feel they are watching this event unfold in front of them and are able to create their own image instead of some made up, un realistic image that represents a false meaning. Sharon believes that Douglass strongest point throughout his entire work was the incident of the innocent slave being whipped by his slave master for no reason. Sympathy always helps the reader to feel more connected and emotionally involved with the piece. Douglass describes how an innocent slave is beaten for every action he made, no matter if it was right or wrong. This also is made even more powerful by a continuation of repetition throughout his description. Sharon see’s strength in Douglass writing when he describes the beauty of freedom as a ‘glorious resurrection from the tomb of slavery to the heaven of freedom. ’ During this time, the dominant religion was Christianity, therefore Douglass made a spiritual connection with the majority of his readers by making biblical references to the joy of being a free man. Although Sharon sees that Douglass, who is a Christian himself, hates any Christian who owns slaves. Douglass does a good job of hiding this fact from his readers due to his knowledge that a vast majority of his audience would indeed be slave owning Christians. Sharon agrees that Douglass is regarded as one of the greatest anti-slavery works ever written in American history. Through his use of repetition, his emotional and spiritual connection, and his confidence, Douglass was able to get people thinking about right and wrong. His clever writing made it clear and easy for the reader to fully understand his message, leaving no room for doubt about the way Douglass feels about what is going on around him. No fancy tricks, no crazy words, just quick and to the point. The reader gets a up-close and personal look at the unfair treatment of slaves and is allowed to fully understand why slavery should be abolished. I agree with everything that Sharon mentioned in her critique. I would have liked for her to focus more on Frederic Douglass himself and really dig deep into the kind of person he was. I believe, as a reader, that if I felt more acquainted with Frederic I would have connected with her analysis even more. But, Sharon stuck to her job and did a critique on the literary piece and not the author! Frederick Douglass The American Slave In Sharon McElwee’s literary analysis of Frederic Douglass literary piece, â€Å"The Narrative of Frederick Douglass, an American Slave, by Frederick Douglass,† Sharon breaks down the different key elements in Douglass’ story that make it so outstanding. Frederick Douglass is famous for his speech given during a time where slavery was still considered acceptable and was used by most wealthy white. Slavery was not viewed as cruel, but a valuable business that could earn them money. Although Douglass was not alone, his speech stands out among the others who were fighting for their freedom. Sharon first notices the use of repetition that Douglass uses in his work. She claims that this theme of repetition allows the reader to focus primarily on the content, or message, rather than the literary structure that may sometimes be distracting. Douglass left little room for the imagination and made sure to reiterate and describe exactly what he was saying. She gathers from his works that Douglass wanted to get one main point across; that slavery is dehumanizing and an unfair practice that should be done away with. Because Douglass mentioned these two things numerous times, the reader is able to really connect with the purpose of Douglass argument. Douglass would use words with negative connotation repeatedly throughout his descriptions to help emphasize the fact that nothing good was to be associated with slavery. Sharon even notes that each sentence has a formula that Douglass used to help eliminate any outside thought. Before the semicolon, the first word of each section is the, the second word is an adjective that ends in -er, the third word is either he or she, depending on the subject, and the final word of each section is a verb ending in -ed. This formula makes for easy reading, and again puts the emphasis on the act, allowing the reader to feel they are watching this event unfold in front of them and are able to create their own image instead of some made up, un realistic image that represents a false meaning. Sharon believes that Douglass strongest point throughout his entire work was the incident of the innocent slave being whipped by his slave master for no reason. Sympathy always helps the reader to feel more connected and emotionally involved with the piece. Douglass describes how an innocent slave is beaten for every action he made, no matter if it was right or wrong. This also is made even more powerful by a continuation of repetition throughout his description. Sharon see’s strength in Douglass writing when he describes the beauty of freedom as a ‘glorious resurrection from the tomb of slavery to the heaven of freedom. ’ During this time, the dominant religion was Christianity, therefore Douglass made a spiritual connection with the majority of his readers by making biblical references to the joy of being a free man. Although Sharon sees that Douglass, who is a Christian himself, hates any Christian who owns slaves. Douglass does a good job of hiding this fact from his readers due to his knowledge that a vast majority of his audience would indeed be slave owning Christians. Sharon agrees that Douglass is regarded as one of the greatest anti-slavery works ever written in American history. Through his use of repetition, his emotional and spiritual connection, and his confidence, Douglass was able to get people thinking about right and wrong. His clever writing made it clear and easy for the reader to fully understand his message, leaving no room for doubt about the way Douglass feels about what is going on around him. No fancy tricks, no crazy words, just quick and to the point. The reader gets a up-close and personal look at the unfair treatment of slaves and is allowed to fully understand why slavery should be abolished. I agree with everything that Sharon mentioned in her critique. I would have liked for her to focus more on Frederic Douglass himself and really dig deep into the kind of person he was. I believe, as a reader, that if I felt more acquainted with Frederic I would have connected with her analysis even more. But, Sharon stuck to her job and did a critique on the literary piece and not the author!

Benefits of Using Hypnosis

The aim of this paper is to identify the benefits of using hypnosis in various fields. In order to do so, the paper will discuss the definition of hypnosis and its brief history. In relation to this, its affects towards an individual as well as the instances when hypnosis is used will also be given due consideration. Lastly, but most importantly, the benefits of using hypnosis will be emphasized in this paper. The succeeding paragraphs will further elaborate on these aforementioned points. Definition of HypnosisHypnosis comes from the Greek word â€Å"ypnos†, which means sleep (Russell). It is defined as a â€Å"social interaction in which one person responds to suggestions given by another person also known as the hypnotist for imaginative experiences involving changes in perception, memory, and the voluntary control of action† (Kihlstrom). Hypnosis is regarded as a scientific technique that is verified as an effective means to inflict accelerated human change. By usin g hypnosis an individual could inflict the changes that he or she wants on a certain person.These changes could even promote and encourage mental and physical wellness. Moreover, hypnosis is also especially studied by health care professionals, practicing therapists as well as individuals who are looking for ways to change their untoward behaviours and to change their lives for the better (The Empowerment Group). Brief History of Hypnosis Hypnotic relationship has been practiced for over 5000 years in Chinese medicine between healers and patients.Egyptians also practiced hypnosis through the form of Temple Sleep that was recognized by priests as a special healing as well as an enlightening state. The ancient Greeks also have their own form of hypnosis that is referred to as Asclepian dream healing. May prominent personalities in history have used hypnosis in order to propagate their views such as: Genghis Khan, Richard the Lionheart, Napoleon, Hitler, Churchill, Billy Graham, Mohamm ed, and even Jesus practiced hypnotism. Nevertheless, the high-profile practice of hypnosis took place in 1734-1815 with physician Anton Mesmer.He applied hypnotism in his theory of animal magnetism where he contributed an important paper in the practice of hypnotism that considers the relation of magnetic influences in the movement of sun, moon, and planets in the state of human health. This study of Mesmer started the propagation of hypnosis towards the end of the first half of the 19th century. Hypnosis spread as far as Italy, Spain, the rest of Europe and Scandinavia and even Brazil (UK Guild of Hypnotist Examiners).At present, hypnosis is practiced in many parts of the world. Application of Hypnosis and its Effects towards an Individual A typical hypnosis starts with the induction procedure wherein the person is asked by the hypnotist to relax and concentrate in focusing his or her eyes on a fixation point. The voice of the hypnotist will instruct the person on what to do. None theless, individuals could also have a positive response to hypnotism even if it is done while he or she is engaged in a vigorous activity.After the hypnotist directed the person of the primary procedure he or she would further suggest the patient for different imaginative experiences like extending ones’ arms or that when he or she opens his or her eyes the object in front of them will no longer be there. Furthermore, the patients may also be instructed by the hypnotist to disregard or continue a particular behavior (Institute for the Study of Healthcare Organizations and Transactions). An individual’s response to hypnosis tends to vary as it is based upon the differences of each person to another.This is due to the fact that hypnosis has large to do with the capability or talent of an individual to experience hypnosis rather than the hypnotic technique that was used. Majority of people are moderately hypnotizable but even though most people respond to hypnotism only few of them could actually attain the highest level of responsiveness or what is called as hypnotic virtuosos (Institute for the Study of Healthcare Organizations and Transactions). Benefits of Hypnosis The benefits of hypnosis could be seen in various aspects of an individual’s life.Hypnosis could be beneficial in someone’s personal life, working career, and even with regards to the physical and mental well-being of a person. In terms of ones’ personal life, someone who might want to quit smoking or start exercising to lose weight could undergo hypnosis in order for them to start doing these desirable actions and make it part of their everyday routine. A person could also learn to relax about the stressful work that he or she might have as well as start pursuing those career dreams that he or she aspires through the motivational aid of hypnotism.Even psychological and emotional problems like phobias such as fear of public speaking and shyness could also be addr ess through the use of hypnosis (Hypnosis School). Moreover, hypnosis has also been used by criminologists, psychologist as well as other mind specialist in order to guide and control the behaviour of a patient. Programs that involved intelligence or education-related skills have also result to hypnotism so that it could easily enhance the academic skills of their student like memorization and speed reading (All About Life Challenges).Lastly, what makes hypnosis a very popular form of therapy is the fact that it does not involve taking drugs or any kind of medication that could be habit forming. Being the case, a patient does not have to worry about serious side-effects as well as the expenses in such kind of treatment (All About Life Challenges). The discussions above show that hypnotism indeed has a substantial contribution in addressing the various problems that most people have to go through. Hypnotism tends to give solution to personal, psychological, medical, and even social c oncerns.The efficacy and importance of this kind of treatment is proven by the long period of time that it has been used. Being the case, it is not surprising that hypnotism give numerous benefits for the overall well-being of a person. Works Cited All About Life Challenges. â€Å"Benefits of Hypnosis. † 7 August 2008 . Hypnosis School. â€Å"The benefits of hypnosis. † 7 August 2008 .Institute for the Study of Healthcare Organizations and Transactions. â€Å"Hypnosis and Health. † 7 August 2008 < http://www. institute-shot. com/hypnosis_and_health. htm>. Russell, Michael. â€Å"Hypnosis: A Brief History. † 7 August 2008 < http://ezinearticles. com/? Hypnosis—A-Brief-History&id=200983>. The Empowerment Group. â€Å"What is hypnosis? † 7 August 2008 < http://www. hypnosis. com/whatishypnosis. aspx>. UK Guild of Hypnotist Examiners. â€Å"A Brief History of Hypnosis. † 7 August 2008 < http://www. hypnotherapy2empower. com/hypnosis_histo ry. php>.

PR FINAL PROJECT Research Paper Example | Topics and Well Written Essays - 750 words

PR FINAL PROJECT - Research Paper Example The industry further requires PR executives to work for long hours, including weekends, and even standing in the rain or snow to check in invitees while earning diminutive salaries that are not convenient (Brown 1). Given the intertwined nature of the entertainment industry and other industries, PR executives must be updated on what is taking place in the world generally. Intrinsically, it requires one to have passion for such a job to endure the shortcomings thereof and not just being interested in the glamour (Walker 1). PR Agencies hire staff to execute their various obligations to their clients, depending on the area of interest. One can be hired as an account representative in either a movie theatre, a film production company or by an entertainer as publicists. Publicists are engaged in managing and representing entertainer’s image before the eyes of the public. This is done by ensuring that Web sites, TV shows, newspapers, and magazines contain good press about the entertainer (Kennedy 1). An account manager for a film production company is responsible for the exploration and lurching of novel film coverage opportunities, the establishment and maintenance of a potent relationship with the media, and the creation of exciting campaigns that are integrated digitally (SAR 1). Movie theatre’s account representatives establish and uphold membership schemes and formulate initiatives that will urge people to visit the movie theatre habitually (The National Advisory Public Body for Theatres 1). PR departments for an entertainment company that does not outsource its public relations tasks may hire a candidate, who fulfills the criteria set out, to help answer journalists when they inquire about the company, represent the company in public appearances and interviews (Media 1). Having garnered sufficient experience in the field of PR, it is a lucrative job

Drug testing for public assistance Essay Example | Topics and Well Written Essays - 1000 words

Drug testing for public assistance - Essay Example On the other hand, the people who oppose the said notion are addressing the fact that the random drug testing is ‘scientifically and medically’ illogical. Aside from the fact that it was expressed to be ‘fiscally irresponsible’ (American Civil Liberties Union 1). On a personal note, both side present reasonable conjecture regarding the issue although as a citizen, I am in favor of the implementation of drug testing. There are different points that can be presented regarding the said point of view. Thus, the discussion is aimed to present the reasons for agreeing with the advocates of the issue and the reasons for disagreeing with the critics. One point is related to the fact that every citizen of the nation has his or her own responsibilities toward the community. Due to that fact that these people are in need of public assistance, on the basis of different reasons such as the lack of income sources, following the rules set up by the authorities can be considered as their duty. This view is even strengthened by the fact that the funds for public assistance are coming from the taxes of the citizen with stable source of income (Sachteleben 1). Another point that can be presented in favor of the drug testing is the fact that even the employees and workers who are screened for their jobs are being required to have drug test. This means that the said procedure is not meant to separate the group of people who needs public assistance from other groups in the community. For that matter, critics of the notion cannot use the reason that there is maltreatment or unjust regard towards the said group (Sachteleben 1).

Reconstitution against Renunciation Essay Example | Topics and Well Written Essays - 1250 words

Reconstitution against Renunciation - Essay Example â€Å"Male fashion of the 18th century was less varied than female fashion as it consisted of the same set of garments throughout breeches, waistcoat and just a corpse† (Bender, 2006). What follows are photographs with brief descriptions of eighteenth-century male fashion.It can be seen from the above photos that the waistcoat with a slit at the center back was opened at the bottom end. The front edge of the just a corps was curved slightly, with a narrow torso. Stockings were sometimes worn under the breeches, and the shoes were square-toed, with small buckles. The sleeve cuffs also reached up to the elbow. Curly wigs were worn, but compared with seventeenth-century wigs, these were shorter in length. Gentlemen were expected to always have the following accessories: the tricorn hat, walking sticks and, most importantly, the sword as a status symbol, sticking out from underneath the coat’s slit. As a further status symbol, the slit was necessary for riding a horse.Chang es in eighteenth-century male fashion noticeably become more pronounced, as evidenced by the above photographs. It can be seen that the waistcoat no longer sports the flaring bottom edge, paving the way for the eventual tailcoat, and can be buttoned only at the chest. There are lesser decorations, indicating the advent of the "new simplicity" that originated in England and had, by this time, swept all across Europe (Bender, 2006). Cuffs were smaller, and the wigs changed up to the point when they were altogether done away with.