Yes To the Bombing Essay Example For Students

Yes To the Bombing Essay Description : YES to the boming of HiroBody of Essay :The bomb was dropped for many reasons and President Truman was faced with a hard decision to drop the bomb. During World War II, the first atomic bomb was dropped on Hiroshima. If he dropped the bomb he would surely have killed an estimated 200,000 Japanese and the city of Hiroshima. Otherwise he would risk the invasion of Japan, which would cause even more causalities and even more Japanese lost lives. Truman thought of the military, political, and moral benefits and harms for dropping the bomb on Hiroshima. David McCullough said, If you want one explanation to why Truman dropped the bomb; it was done to stop the killing. We will write a custom essay on Yes To the Bombing specifically for you for only $16.38 $13.9/page Order now (Hunt, A9) My purpose is to inform that President Truman was right to drop the bomb. After the bomb was dropped, President Truman, We have used it in order to shorten the agony of war, in order to save the lives of thousands and thousands of young Americans. We shall continue to use it until we completely destroy Japans power to make war. If the Allies invaded mainland Japan, an estimated million or more would be invading Japan. The United States would resort to invading Japan as the last resort, knowing the possibilities of the large amount of casualties. The casualties in war are unavoidable and President Truman knew that the American people were basically sick and tired of the war. Many families were torn apart because of the war and everyone wanted to stop the madness. The atomic bomb was dropped for some political reasons as well. Most people wanted the war to end. They saw the Japanese as hated, cruel enemies who had brought the United States into the war with a sneak attack on the U.S. naval fleet in Pearl Harbor and slaughtered Chinese, Filipinos and others in their years of conquest. (Pincus, A01) The U.S. had lots forwards hatred for the Japanese from the attack of Pearl Harbor and hated the Japan even more because they prolonged the war as long. They killed thousands of US soldiers and put them into harsh camps. The United States wanted to demonstrate its power of its and show off the strength of a Strong Democratic Nation. Pressure was also on President Truman from this time because the entire nation was just sick of the war. Truman did what the nation wanted, and he made the war end quick as possible by dropping the atomic bomb on Hiroshima on August 6, 1945. The moral issues of the United States and Japan were horrendous at this time. The United States tried to kill the Japanese and the Japanese tried to kill United States people. The United States the wanted to end the war as soon as possible because it took to much time and resource David McCulough said, It was done to stop the killing (Hunt A9) Truman was faced with a hard decision and in the eyes of the majority of people in the American, he did the right thing. In conclusion, it was right that the bomb was dropped in order to save more American and Japanese lives in the long run in. Militarily, Truman knew the benefits from the bomb because it saved American lives and ensured the total surrender of Japan. Politically it showed the power of a strong democratic nation. Morally it was save as many lives and we could. Since we all live in a total interdependent world, where all actions could hurt or help other nations globally. Words/ Pages : 593 / 24

Dangerous Household Chemicals in Common Products

Dangerous Household Chemicals in Common Products Many common household chemicals are dangerous. They may be reasonably safe when used as directed, yet contain toxic chemicals or degrade over time into a more dangerous chemical.   Dangerous Household Chemicals Heres a list of some of the most dangerous household chemicals, including the ingredients to watch for and the nature of the risk. Air Fresheners.  Air fresheners may contain any of a number of dangerous chemicals. Formaldehyde irritates the lungs and mucous membranes and may cause cancer. Petroleum distillates are flammable, irritate the eyes, skin, and lungs, and may cause fatal pulmonary edema in sensitive individuals. Some air fresheners contain p-dichlorobenzene, which is a toxic irritant. The aerosol propellants used in some products may be flammable and may cause nervous system damage if inhaled.Ammonia.  Ammonia is a volatile compound that can irritate the respiratory system and mucous membranes if inhaled, can cause a chemical burn if it is spilled on skin, and will react with chlorinated products (e.g., bleach) to produce deadly chloramine gas.Antifreeze.  Antifreeze is ethylene glycol, a chemical which is poisonous if swallowed. Breathing it can cause dizziness. Drinking antifreeze can cause serious brain, heart, kidney, and other internal organ damage. Ethylene glycol has a sweet flavor, so it is attractive to kids and pets. Antifreeze typically contains a chemical to make it taste bad, but the flavor is not always a sufficient deterrent. The sweet smell is enough to lure pets. Bleach.  Household bleach contains sodium hypochlorite, a chemical that can cause irritation and damage to the skin and respiratory system if inhaled or spilled on the skin. Never mix bleach with ammonia or with toilet bowl cleaners or drain cleaners, as dangerous and possibly deadly fumes may be produced.Drain Cleaners.  Drain cleaners typically contain lye (sodium hydroxide) or sulfuric acid. Either chemical is capable of causing an extremely serious chemical burn if splashed on the skin. They are toxic to drink. Splashing drain cleaner in the eyes may cause blindness.Laundry Detergent.  Laundry detergents contain a variety of chemicals. Ingestion of cationic agents may cause nausea, vomiting, convulsion, and coma. Non-ionic detergents are irritants. Many people experience chemical sensitivity to dyes and perfumes present in some detergents.Mothballs.  Mothballs are either p-dichlorobenzene or naphthalene. Both chemicals are toxic and known to cause dizziness, headaches, an d irritation to the eyes, skin, and respiratory system. Prolonged exposure can lead to liver damage and cataract formation. Motor Oil.  Exposure to the hydrocarbons in motor oil can cause cancer. Many people are unaware that motor oil contains heavy metals, which can damage the nervous system and other organ systems.Oven Cleaner.  The danger from oven cleaner depends on its composition. Some oven cleaners contain sodium hydroxide or potassium hydroxide, which are extremely corrosive strong bases. These chemicals can be deadly if swallowed. They can cause chemical burns on the skin or in the lungs if the fumes are inhaled.Rat Poison.  Rat poisons (rodenticides) are less lethal than they used to be, but remain poisonous to people and pets. Most rodenticides contain warfarin, a chemical which causes internal bleeding if ingested.Windshield Wiper Fluid.  Wiper fluid is toxic if you drink it, plus some of the poisonous chemicals are absorbed through the  skin, so it is toxic to touch. Swallowing ethylene glycol can cause brain, heart, and kidney damage, and possibly death. Inhalation can cause dizzin ess. The methanol in wiper fluid can be absorbed through the skin, inhaled, or ingested. Methanol damages brain, liver, and kidneys and can cause blindness. The isopropyl alcohol acts as a central nervous system depressant, causing drowsiness, unconsciousness, and potentially death.​

Decision Analysis for the US Army Essay Example | Topics and Well Written Essays - 1000 words

Decision Analysis for the US Army - Essay Example Analytical decisions are undertaken when there is ample time to compare the facets, in order to choose the most profitable course of direction. The best module amongst the alternatives is taken (See appendix). In this case the supply of weapons is done from the highest bidder and of the best quality. Decision trees This is a tool that allocates data for decision making in form of tree in order to analyze the variable hence make the decision. The tool breaks down the data in logical and simple manner thus easy to understand. Any mistakes made in the data translate to the tree model. Each nodule of the tree represents an attribute, the branches corresponds to an attribute while each leaf assigns a classification. The module is very simple to use and interpret and it can handle both numerical and categorical data. The decision trees can be used for validation analysis as other statistical approach follows (Andrew, 2005). The simple illustration below describes the case of buying or maki ng weapons. A decision is made after thoroughly considering all the uncertainties involved then a decision is made. Cost factor can be used to make the decision and the manufacturing option would be adopted. Nonetheless, other factors need to be considered in real situation analysis e.g. quality, time taken etc. Illustration one: A variable is an element of a problem that is being predicted or determines it. They may change depending on the scope of the problem being analysed. Predictable variables are used to assess the certain conditions while unpredictable variables follow uncertainties hence probability is used. Variables are used in decision analysis to represent value or symbol of the actual attribute being determined. A variable denoted by Y may represent the cost estimates, overheads, revenues etc. When one value of a variable is related to another value of a variable, then the case is said to a correlation between the two variables. Correlation means an inter-relationship. A simple linear regression model is a statistical technique that explores the inter-relations between two or more variables. Linear regression tools have applied in many organisations to forecast for the observed variables. The military may want to determine whether there is a relationship between warring period and weapons use. To do so, the observed data is analysed and the simple line equation is used. Y=a+bx Y in this case represents number weapons used during war X variable shows the number the war reoccurs A and b are constants Table one weapons Time period lasted during the Wars 100000 1 year World war I 300000 1 year World war II 250000 2 years’ War in Afghanistan 85000 1 year War in Kuwait The equation is then extend to determine a and b i.e. 100,000= a+ 1b 250,000=a+2b -150,000= -b 150,000= b Then a=100,000-1b = 100000-150,000 = -50,000 If we were to determine the occurrence of world war III will take 3 years, then the number of weapons needed are: Y=a+bx = -50,000 + 150,000*3 =400,000 weapons The simple regression analysis can be determined by plotting a graph using the same variable to obtain the line of best fit. This can be then be used to forecast on future needs of weapon acquisition for the military. The relationship between the period the war takes the higher the number of weapons needed. The relationship is linear. This model works best when there are two variables under consideration. Scatter diagrams are used to analyze

Politics Essay Example | Topics and Well Written Essays - 4500 words - 1

Politics - Essay Example Succeeding the steamed powered mechanization of industry and transport is the electrification of industry, transport and home. Electricity is seen to be a radical technology in three ways: â€Å"First, it was closely related to scientific activity, as no technology had been before†¦The second characteristic of electrical technology was its generic nature. An example of this generic nature is the fact that electric power was used as an input for a range of industries, as well as playing an important role in the emergence of the chemicals industry which introduced completely new products and processes of production. Third, the generation of electricity used different inputs (steel and coal) from earlier technologies, thereby encouraging the growth of these sectors as well† (Simonetti,337-375). The rise of the two countries USA and Germany started in this revolution. â€Å"By the end of the nineteenth century, Britain had a well-developed educational system, a system of production based on family firms, a financial market developed around the financing of trade and large investments (joint stock companies), a strong patent system, and an empire of colonies that could serve as markets for its growing industry. The leading sectors of the economy consisted of a range of consumer goods industries, notably, textiles, metalware, paper, food, watches, and some producer good industries such as shipbuilding and textile machinery. Its industrialization and urbanization had begun before the emergence of the railroads† (Simonetti, 347). â€Å" â€Å"However, the situation was quite different in the USA and Germany. Following the completion of the Union after the American Civil War (1861) and the unification of Germany (1871), both economies had large domestic markets. In both cases, railroad investments were made to connect the different parts of the country, and both economies enjoyed the benefits of a continent-wide system of transportation by

Market analysis of Sodexo and food and facilities management services

Market analysis of Sodexo and food and facilities management services INTRODUCTION: Sodexo is one of the flourishing food and facilities management services. It believes in providing quality services is winning the customers heart and trust ;through which they have been successful in the market. The organization has more than 25 years old experience in the field of hotel chains, resorts and vacation villas. The organization contains the best and most efficient staff to provide quality service including laundry, housekeeping and food serving. According to Peter, customer service is defined as fulfilling needs and expectations of customers according to them (Whitman, 2001). Since quality assurance is the key to gain the trust of customers and to maintain the competitive edge it is important to have a quality assessment in hotels to know the standards of a hotel. (Bo Edvardsson, 2006) Edvardsson advised the concept of services should be viewed from customers approach because they are the main users of the services and best to judge it. Different customers have different demands and they may look at same thing with different views. People belonging to different cultures, religions have different perceptions, social behavior and preferences. Many researches are done on assessing the service qualities through customer satisfaction in several parts of the world; (Davidson, 2003), (ONeill, 1996), the Kano model (Preece, 2002), (Amy Wong Ooi Mei, 1991) etc. Literature Review: The theory and models designed to evaluate the service quality and potential gaps in quality in hotel industry are necessary. Hotels do market research to get full information about its target audiences and the environment. TQM Total Quality Measurement is a new management term introduced to execute the exceeding demands of the customers. Different hotels use different approaches to TQM according to the surroundings and competition. Measuring Service Quality: The actual evaluation takes place at the time of delivery, whether its beyond expectations are below expectations. The time when we service our customers is the moment of truth that gives the result. For instance the food delivered in the hotel gets its immediate feedback either by the verbal response or in written form by the customers. SERVQUAL MEASURING TECHNIQUE: SERVQUAL model which is also referred as the skeleton for measuring service quality. It basically evaluates what the customer demanded and what he got, the difference between the two. It includes five basic dimensions on which the customers assessed the quality he received and what he had in mind; Tangibles: the physical appearance and facilities of the personnel Reliability: ability to perform the desired service accurately and efficiently Responsiveness: Availability and willingness to help the customers Assurance: Knowledge of employees to gain trust and confidence Empathy: Caring, making customers feel special and cared. The advantage from this model is that it provides an immediate response of the customers after the service delivery which if not up to mark could be sent for improvement. For instance the responsiveness of the hotel staff is just a call away from ones room. On time assistance availability always adds up to the quality of services they provide. Today almost every hotel in the world has their feedback form based on the SERVQUAL model of assessing the quality of services. However there has been some criticism about the model, Brotherton and Booth implemented SERVQUAL strategy on a 4 star hotel and found out that customers viewed tangibles as the hygiene and cleanliness of the resources. The homogeneity in the dimensions of the model is said not to be appropriate in providing exact results. Knutson introduced LODGSERVE for service quality evaluation, Mackey developed REQUAL and etc. all the studies carried out on this topic indicates that certain dimensions are highly valued by the custo mers which mainly includes the interaction and physical quality. THE CHRISTOPHER NAD YALLOP MODEL: Christopher and Yallop suggest a four stage process model to measure the perceptions customers have when they receive the services; Identify the vital elements that are important to the customers and why Understand the importance attached behind it Investigate how successful the organization is in providing those elements Analyze from the collected data for improvements. The model basically suggests an inquiry set to investigate the expectations of the customers. It is important to know what the special or important requirement of the customers is and why is it so? Answers to this can help the organization earn customers trust and reliability. Then the organization needs to evaluate itself by seeing how well he fulfills those demands and how The answer to this can lead the organization to further improvement, analyzing the strengths and weaknesses of the organization in terms of customers perception. Especial rooms are designed according to the demands of the customers, the food menu contains a variety to serve all possible taste they could for vegans, Chinese or different people from different culture. THE PRUDENTIAL MODEL: (McCabe, 2001) Prudential model suggest how financial advice is also a way to meet the expectations of the customers and gain their satisfaction. It examines the perception of customers in terms of what they value most or what would make them value the most. Are there any possible changes that could be implemented in the organization? The charges in the hotel are reasonable and set according to the market equilibrium which should be acknowledged by the customers. The overall package of their stay; food, laundry, hygiene etc are the factors that the customers look for and expect it to be standardized. The hotel charges are kept such that if offers a complete package the customers with the room and other complimentary facilities like sports club, gym, swimming pool etc. THE ECR (EFFECTIVE CONSUMER RESPONSE) MODEL: The main theory of this model suggests that the companies should give continuous focus on the elements that are highly values by the customers. The preference of a certain service or product for instance if the room service is very efficient hotel should invest more in this department in order to gain more customers. Also an appropriate use of technology for efficient usage of resources to satisfy customers. BLUE PRINTING It is a common and very effective theory adopted by the hotel through which they ensure an effective service delivery. It defines the whole process of offering services in three stages; backstage, front stage and line of visibility. The whole struggle is to maintain service standards and to update the whole process with a backup plan. The front stage for instance is the interaction the staff has with the people. The reservation process, greeting the customers and introducing them to the hotel, parking the car, guiding them to their rooms with their luggage etc. Second and the third stage that is the invisible services that the hotel takes care off. Like maintain the reservations with updates and checking for the desired room and its availability. Taking care of the facilities and maintenance required for it. Process Redesigning It is important to set service target standards which are transparent to the staff to work on. The feedback from the customers should be analyzed and strategies should be redesigned according to the demands of the customers. Redesigning services reduces the services failure, enhance productivity and increase customer satisfaction. The process of redesigning first step is to eliminate the non value adding steps, shift the system to self service. The involvement of customers to co-produce the service can lead to progression. SSTs Self Service Technology is the form of customer involvement such that the customers avail the services provided by the suppliers to evaluate and give a response. It is a flexible and cost saving method but requires a lot of effort. Therefore the basic delivery process involves three stages; Introductory scene Delivering the core/main service or product. Conclusion of the drama This provides the hotel with the information where the hotel is lacking in customers eye. MEHRABIAN- RUSSELL STIMULUS RESPONSE MODEL This is a model that indicates how customers response to environment that surrounds the, Emotional or physical responses like anxiety, boredom or excitement. How different environments gives different responses of customers in different surrounding. How variety of factors can affect customers response. The surrounding, color scheme etc influence the customers. For instance the signs and symbols hanged for guidance in multi languages for the ease of the customers. All these models and theories incorporate the similar concept implied for customer satisfaction. Sodexo and other hotels in the world implied these concepts to maintain or improve their service standards because hotel business heavily relies on quality service. SERVICE QUALITY GAPS: It is important to identify the key gaps that exist in delivering the services to the customers and how they can be overcome. (Sargeant, 2008) The Knowledge Gap: it is basically the barrier in communicating the expectations and demands of the customers to the hotel staff. It could be overcome by having a strong market research by carrying out interviews or sampling questionnaire which should be repeated once a while. Management should be allowed to interact with the customers to know what they feel and expect. The management should make sure the feedback is implemented immediately and monitored constantly. The Policy Gap: it is the differences or restrictions made because of the policies. To overcome this gap it is important to use systematic processes to improve working methods. The goals, agendas and priorities based on customers demands and expectations which should be transparent to the employees. The Delivery Gap: it is the difference between the quality service delivered and the service itself. It is important to ensure that the performance of the customers and also that the customers understand the service delivered. For this the employees should be well trained to perform the required tasks more efficiently. Employees should be clear in what they have to deliver and do in more effective way. Consistent monitoring should be done to endure how well are they are performing; they should be motivated to work harder with incentives. The hotel should be updated in terms of technology. Advanced and cost effective equipments should be installed for better and quick services. This would also make a balance between productivity and demand. The customers should be educated enough o perform their roles successfully to gain customers trust. The Communication Gap: this occurs because of the communication barriers between the customers and the staff. To overcome this gap it is important to have transparent vertical integration in the organization such that the information can easily flow in. The managers should be able to identify the problems the staff is facing or their demands to produce better results. Employees should be involved in the basic functions of the organization. By rotating and recruiting the staff can lead to more efficient and motivated employees to provide better results. The Perception Gap: this occurs when there is a perception gap between the customers and the management and employees. It is important to show customers with some evident changes that the hotel is putting in efforts to meet their requirements. By tangibilizing the management can show their customers how concerned they are for their customers. The Service Gap: it is the collection of all the gaps which cause the services to get bad. It could be overcome by overcoming and monitoring all other gaps. It is important to provide the customers with the best service and make sure that they acknowledge it and are satisfied. By implying the theories and models according to the requirement of the hotel the management can meet the demands of the customers and gain their trust. The hotels should have a constant feedback system with immediate implementation to make the customers realize that they are important. By monitoring the work and progress of the staff the management needs to make sure that the staff is motivated enough and works with a team spirit. It is highly important for the hotel industry that the customers are satisfied and becomes loyal to the service it offers.

Abuse :: Essays Papers

Abuse â€Å"Brenda Spencer fired forty shots at San Diego school children, fatally wounding two and injuring nine others, neighbors later informed police that Spencer had repeatedly abused dogs and cats often setting their tails on fire† (Finch 1). The situation of Spencer of abuse at a young age and carried on through her adult life. â€Å"Domestic abuse is directed toward the powerless, animal abuse and child abuse often go hand in hand. Parents who neglect an animal’s need for proper care or abuse animals may also abuse or neglect their own children. Some abusive adults who know better than to abuse a child in public have no such qualms about abusing an animal publicly†(PETA). At an early age children are effected throughout their lives by images and situations, and are very fragile in their way of thinking. The emotional impact of right and wrong are very important to the children’s attitude. The harsh images children see when they are young, forces the child to react to images in different ways. The situation of abuse from parents or siblings to a young child can bring out rage, and anger to others or to defenseless animals. Parents have a strong duty to their children when they are at an age of not knowing how to control their actions, and still learning how to express their emotions in a positive way. There are many tips for parents to learn how to control their abuse towards their children. Many times children are not taught properly by their parents and then they impersonate their parents do, such as hitting to solve problems and hurting others to raise self esteem. The children need good role models to tell them what they see is wrong, or right. The Abuse children go through or see when they are young could lead to a child needing to visit a therapists throughout the course of their adult lives. The situation of Brenda Spencer exhibits how much of an impact t hat animal abuse has on their lives as an adult if the child isn’t corrected when they were younger. The impact of animal abuse shows many different situations of people that have been effected by this problem. â€Å"Alberto Desalvo, the self-confessed Boston Strangler who killed thirteen women had, as a youth, trapped dogs and cats in orange crates and shot arrows through the boxes† (Finch 1).

Bank Internship: National City Corporation

This past summer (2002), I was an intern in the Credit Department at the corporate headquarters of National City Bank located in downtown Cleveland. During my time as an intern I was able to put my classrooms knowledge and experience into practice dealing with real world situations. Let me give you an overview of what our department basically did on a day to day basis. We were what you would call the â€Å"number crunchers† of the building. Senior Credit Officers, Loan Officers, and Secured Credit Analysts would send numerous financial statements for various companies to our floor. These financials, with the attached project (I will explain the projects/assignment later) would then be assigned by our department head to specific analysts. We were then responsible for completing the desired task that the Officer had requested by a certain date and time. Analysts would gather as much information about the company as needed and perform the various tasks in order to get the Officer’s approval of the completed product. All in all, that is basically what the Credit Department did on a day to day basis, but this is just a brief overview. I will go into further detail throughout the remainder of the paper. On my first day at the internship, I was introduced to my supervisor and Assistant Vice President of Credit, Anita Swoboda (she interviewed me and gave me the job over the phone, so we had never met) and the rest of my coworkers on the 9th floor. After the introductions were made and I was situated in my new desk, I was instructed to go to a computer in the back of the office to learn the system that the department worked off of. The instructional tour took me through the database that I would be using on an everyday basis and showed me what everything the specifics of the system. The database was constructed like an Excel spreadsheet, but it was specifically made with equations for the different data entries. After I was fully acquainted with the database (it is called FAMAS), I was given my first assignment to complete. The slang term used around the office for these financial tables was â€Å"spreads†. The spreads were the end result of the data entered into FAMAS. I was given a set of financial statements from a specific company and my job was to enter the relevant data into the necessary categories and subcategories in the system. After all of the data was entered, I had to check to make sure that the balance sheet was in balance, the income statement provided the correct net income for the period ending, and the cash flow statement was in accordance to the company’s given data. If everything was in place and all of the data was correct, I then would print off the â€Å"output†. The output gave six pages of the summarized data that I had entered. Three pages were the replicas of the balance sheet, the income statement, and the statement of cash flows. The other three pages gave concise ratios and detailed reconciliations pertaining to the data. This, inevitably, was used by the Officer to make an accurate assumption about the stability of the company’s cash/asset/liability position. This was the most basic and most assigned project for the analysts in general. The next type of responsibility that I had was in the contents of what was called a Criticized Asset Sheet or CAC for short. These CACs were used by Officers when a company was underperforming according to National City’s standards for loan payments. These companies often times would have negative net income levels for more than one year, poor repayment practices in the past, and overall bad quality dealings with National City in general, just to name a few. The CAC required the analyst to do the assigned company’s spreads as well as a number of other pieces of financial analysis in order to give the Officer and the committee a better idea of where exactly this company stood and if it was beneficial to keep doing business with them. I was responsible for going through another database (I was taken through another step by step training session, this time with an individual) to get all of the pertinent information needed for the assessment. This new database allowed me to get detailed information on all of a company’s outstanding loans (i. e. what type of loan, when it matures, how much is outstanding, etc. ), the list of beneficiaries/individual signers on the loans as well as their financial commitment in the company, and the company’s past status on its old loans. After gathering the necessary information, it was my duty to input the data into a pre-designed word document and add verbiage to tell what each number represented (this is difficult to explain without showing you exactly what the sheet looked like). I would then send an updated copy of the CAC to the Officer (whoever it was that I was working with) and he would look over it to see if there should be anything else added and also to see if there were any mistakes that I had made. After looking over the sheet, the Officer would then send me a new copy of the CAC via interoffice email with his/her pdated section. Their section dealt mostly with notes from the last meeting, recommendations, developments, etc. which were relevant for the next meeting with the committee. I would then take this new copy and send it over to Secured Credit, where someone would derive an analysis on collateral determinants, cash flows summaries, etc. and that would then go into the CAC at the end. After I had collected all of the necessary items, I would put the CAC together with my section, the Officer’s section, the Secured Credit comments, and the spreads. I would then print out a copy and give it to the CAC secretary who would put it on the stack of other CACs to go down to the printing room for multiple copies. These copies would then be distributed to the various committee members when the CAC was due to be discussed. It was the committee’s duty to discuss the company’s situation with the Officer (the Officer was closely related with the company, meaning that he had gone to the location, spoken with the executives on several occasions, etc. to see if it was feasible or not to continue funding their outstanding loans or if they should be ended. The last responsibility I had as an intern at National City was the most detailed and the most important assignment that permanent analysts completed. Toward the end of my internship, it was noticed by my superiors that I could handle large workloads and put out excellent results. So, my supervisor decided that I should be taught how to do the main thing that permanent analysts d id on a regular basis. These assignments were called Credit Sheets. The Credit Sheet incorporated all of the things that dealt with the CACs and the spreads, but required an extreme amount of financial information and overall analysis. This sheet dealt with the loan structure, financial position of the company, statements from the CEO, industry and company analysis, future implications that may hinder the business’s performance and various other aspects of the overall picture company and its industry in general. These sheets were usually between 30 and 100 page reports and were done because a company was seeking new loans, extensions on old loans, or more borrowings. My duties were to gather all of the information that I could about the company and its industry. I would be in constant contact with the Officer so that he/she could give me any updated financial or company news in general and also so that I could let them know how my progress was coming along. I would then construct a broad industry analysis as well as a very detailed company analysis. It was also my job to provide a detailed financial analysis of the company including collateral trends, borrowing base, future commitments, 1, 3, and 5 year cash flow analysis, and projected future position. The sheet, again just like the CAC, would be passed between the Officer and myself, with him/her adding necessary information as necessary, until we were both confident with the content. The sheet would then be presented to the committee and it would be determined through discussion, whether or not the company’s request was valid according to the information presented and the committee’s feeling about the future of the company. I did also have other various responsibilities such as side projects for different people and whatnot, but basically, the things that I described above were my most important responsibilities. These duties, no matter how large or small, were an integral part of the corporation’s functioning as a whole. During my time as at National City, I, along with the two other interns and the new permanent employees, was required to take a Commercial Credit class. We would meet as a group one or two times a week with Anita, in a classroom setting, and go over the different topics we were assigned to read. There were five parts in all: Qualitative Company Analysis, Credit Risk Analysis, Cash Flow Analysis, Balance Sheet Analysis, and Case Studies. These areas were integral in the learning process of dealing with Commercial Credit in that it taught us what to look for when dealing with companies’ financial statements and allowed us to take a more in depth look at the financial process. It was an incredible learning tool because it allowed all of us to take what we were learning in the classroom and use it in a real world situation. I thought that that aspect was the best part of the internship in that it expanded on my current skills and enabled me to experience situations that cannot be taught merely in a college setting. The purpose of an internship, as I see it, is to make a person aware of the world that waiting for them after college and to give them a better understanding of what is out there in corporate America. Not only did this internship show me what could be waiting for me after college, but it also taught me a great deal about how a corporation works as a single unit. My job and status in the corporation was not looked down upon and I was not handed filing work or other types of â€Å"busy work†. I was being taught and molded in a way that was in accordance to how they train their ermanent employees. It was truly an incredible learning experience for me. The internship was very beneficial to my future professional career. I speak with employers now and they are thoroughly impressed with my experiences at National City. I have a superior knowledge of certain aspects of the financial world that has given me a leg up against the competition during the interviewing process as well as in conversations with professionals in the field. I feel more comfortable and confident with my skills and abilities than I have ever felt before. National City made me feel important and now that is the attitude that I carry around with myself. The thing that I enjoyed the most about my internship at National City was the fact that I was treated as an equal and important member of the corporation. Aside from the learning aspect of the job, I gained a sense of what it would be like to be an employee of a large company, such as a bank. I was given work that the permanent employees were doing and I was expected to perform within the same parameters. I also enjoyed the work setting in general. We worked hard, but it was a laid back atmosphere where you could really get to know the other people in the office. Plus, most of the people that I worked with were either fresh out of college or had graduated just a few short years back. There were also a few Ohio University College of Business alumni in my department which made for interesting and resourceful conversations. With all of things in mind, I cannot stress enough how much I enjoyed the fact that this job really taught me a lot. I know that I have already mentioned this, but the knowledge that I gained from my time at National City was priceless. I never thought that an internship could be so beneficial to me in the long run, but I was proven wrong in this case with flying colors. The internship, overall, was just an incredible experience for me and I am truly grateful that I was given the opportunity to prove my self while expanding on my skills at the same time. The College of Business has done a fantastic job in preparing me for my professional career in many ways. Many of the classes I have been required to take have given me a strong base of knowledge in particular areas of finance. I felt extremely prepared for this job when I first started just because of the fact that the finance and accounting classes that I have taken so far have taught me a great deal about the raw material in dealing with income statements, balance sheets, cash flow statements, etc. The course I took at National City was mostly a method of fine tuning my already present skills and also a means of allowing me to put my entire classroom learning to work in real world situations. The course that really prepared me the best for this position was the second business cluster (301i). In the cluster, I learned how to better my time management skills, work through tough situations, and gain more experience with interacting with other individuals (group work). I thought it was amusing that the permanent analysts were working on industry analyses for their projects and I was able to help them because of the fact that I had done so many of them in the cluster. I guess I really didn’t realize just how much I have truly learned until I experienced it first hand in a situation like the one I just mentioned. The introductory finance class given in the cluster (FIN 325) was also an important class that helped to prepare me for this job. I was introduced to the stock market on a more specific level and was taught about how to â€Å"analyze† the numbers (basically, what everything means). But, like I said, the overall knowledge that I gained from all of the classes I have taken here at Ohio University have been a huge benefit to my professional career. When I began my internship, I knew that I was prepared, but I didn’t know that I could be fully prepared for the task that was laid before me. To my relief, everyone around me was extremely helpful if I had any problems with anything and the Credit class also refreshed my memory about some of things that I may have forgotten over time. All in all, I was prepared enough to perform to the best of my ability and to add value back to National City. My overall outlook on my career and future has always been a concern of mine. I would always ask myself what kind of job of do I want to have when I graduate, where do I want to work, what will make me happy, etc. and it has always been hard for me to answer. To be honest with you, I never thought that I would want to work at a bank, to become a â€Å"banker†. But after experiencing a banking job first hand, I feel that it is something that I truly enjoy. I feel that banking is a great place for a finance major to start off in a career because it allows one to gain an understanding about the â€Å"meat and potatoes† of the financial world. Banking is a broad field to get into because there are so many aspects of it and so many different career paths to follow. I have interviewed with a number of companies to get a feel for what is out there for finance majors coming out f college and have found that it is mostly banking or sales. I know for a fact that I do not picture myself in a sales type position (life insurance, broker, etc. ) and that banking just seems to be the right fit for me. I have had the benefit of being able to take an in depth look at what the banking industry is all about and what it has to offer to myself i n regards to developing my professional career. I am happy to say that I am currently in the second round of interviews with National City for a Commercial Banking position. This is a position that I feel will be the most beneficial for me to begin at directly out of college. I feel that this position will give me the sound financial background that I need in order to advance in my career and develop into the professional that I have always strived to become. This internship was a great experience for me, one that gave me something more than just a paycheck. National City is an excellent corporation and deserves praise for its efforts in the internship arena. Please let me know if there are any other questions that you would like answered, for I may be able to explain myself better in spoken words (592-6294). Thank you.