Tuesday, December 31, 2019

Essay on George Washington Carver - 1242 Words

George Washington Carver was born into slavery January of 1860 on the Moses Carver plantation in Diamond Grove, Missouri. He spent the first year of his life, the brutal days of border war, between Missouri and neighboring Kansas. George was a very sickly child with a whooping cough, which later lead to his speech impediment, and he was tiny and puny. Georges father, James Carver, died in a wood hauling accident when he was bringing wood to his masters house one day. George was sick a great deal during his early years. In 1861, when George was one year old, raiders kidnapped him and his mother with horses from their home in Missouri. Moses Carver, Marys master, heard that a bushwhacker named Bentley knew Marys whereabouts along with†¦show more content†¦A few years later George decided to leave the Carvers and go on with his education. He set out and ended upon the farm of a family, Christopher and Mariah Watson, who became his foster parents. While under the Watsons care, G eorge attended the colored school of Neosho. From age 10, his thirst for knowledge and desire for formal education led him to several communities in Missouri and Kansas Later he moved to Fort Scott, Kansas to attend High school. In 1890, to Indiana, Iowa were he enrolled at Simpson College to study piano and painting. In 1891 he got admission in Iowa State University and gained his BS in 1894 and MS in 1897 in Bacterial Botany and Agriculture. Meanwhile he also took art and piano lessons. In 1894, Carver qualified for an opening, in Iowa, on the faculty as assistant botanist in the experiment station. Carver devoted special attention to bacterial laboratory work in systematic botany. He also collaborated with Dr. Pammell, an eminent botanist, on two publications: Treatment of Currants and Cherries to Prevent Spot Diseases, and Fungus Diseases of Plants at Ames. In 1985, Dr., as he was known as, George Washington Carver was sent a request asking him to accept the Chair of Agriculture at the Alcorn Agricultural and Mechanical College in Westside Mississippi. While in Mississippi George really learned about Jim Crowism through the peopleShow MoreRelated George Washington Carver Essay621 Words   |  3 Pages George Washington Carver George Washington Carver was born in Diamond Grove, Missouri during the spring of 1864 or 1865. Like many slaves, he was uncertain of his birth date. His mother, Mary, was a slave who belonged to Moses and Susan Carver. As an infant, slave raiders kidnapped his mother. The childless carvers reared George and his older brother, James. Growing up, George was captivated by plants. Many neighbors referred to him as the â€Å"Plant Doctor†. Since Carver was an African AmericanRead More george washington carver Essay500 Words   |  2 Pagesnbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;George Washington Carver nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;George Washington Carver was born during the civil war years on a Missouri farm near Diamond Grove, Newton Country in Marion, Township Missouri. Even Carver himself was uncertain of his own birth date. In early manhood he thought that he was born in the year of 1865. On other occasions Carver noted that his birth came â€Å"near the end of the civil war† orRead MoreFacts on George Washington Carver 576 Words   |  2 Pages Facts on George Washington Carver At the age of 14 George Washington Carver witnessed a black man being drug out into the streets to be hung and burned. At the time when African Americans were looked down upon George Washington Carver was a very successful with what he did in Ag and science. When George Washington Carver was a small child he was abandoned by his biological parents and left on the lawn of his adopted parents house. George Washington Carver had a rough childhood and he wasRead More George Washington Carver Essay1774 Words   |  8 Pages George Washington Carver was a African American scientist who showed many intriguing thoughts of nature throughout his life span of being one of the most dedicated scientist. George was born in Diamond Missouri, but his exact date of birth is not known by people. Never the less, one of the most remarkable inventors was born. Many people speculate that he was born sometime in January in 1964, while others believe he was born in June. George was born as a small and weak baby, and he had his firstRead MoreGeorge Washington Carver Difficult Path to Great Accomplishments565 Words   |  2 Pages George Washington Carver was born on July 12, 1864, during the Civil War, in Diamond Grove, Missouri. He was one of many children born to Mary and Giles, an enslaved couple owned by Moses Carver. Just a week after his birth, George was kidnapped along with his sister a nd mother. All of the three were sold in Kentucky, and among them the only who was located was infant George by an agent of Moses Carver, whom then returned George back to Missouri. Moses Carver and his wife, Susan, keptRead MoreBenjamin Franklin And George Washington Carver1958 Words   |  8 PagesConstitution or finding new uses for a farm product, they all come together to benefit the history of the United States of America. Benjamin Franklin and George Washington Carver were one of many to succeed in such progression. They helped shape the United States through their outstanding accomplishments in their innovative ideas and values. Franklin and Carver were both intelligent and prolific scientist and inventors. They often focused their works on what they stood for. Both men shared the profound valueRead MoreThe Ghost1265 Words   |  6 PagesNate and hunched her shoulder then took a seat in an old ladder-back chair. When I mentioned to your granddad that my schools biology department has launched a campaign to collect all known writing of George Washington Carver, he invited me to look through these old books. George Washington Carver was a botanist, Nate said, joining Will on the floor. Not a writer. He taught at Tuskegee Institute. He must have left behind some writings on farming, as well as documentation of his research,Read MoreAnalysis Of George Washington Carver s The Golden Door Of Freedom 1736 Words   |  7 PagesGeorge Washington Carver once said â€Å"Education is the key to unlock the golden door of freedom.† Freedom can be defined in various ways by different people. To many immigrants, America is often seen as that opportunity of freedom, the freedom to learn, the freedom to love, and even just the freedom to exist. In this paper, I will put into words the story behind a second generation female immigrant’s experiences. By using various articles and notes given in class, I will talk about her and her family’sRead MoreThe History of Art at Iowa State University Essay776 Words   |  4 Pagescampus public art collections in the United States. There are over 2,000 works of public art (George Washington Carver). The foundation of the contempora ry Art on Campus Collection and Program began during the Depression in the 1930s, when Iowa States President Hughes envisioned that, The arts would enrich and provide substantial intellectual exploration into our college curricula† (George Washington Carver). Who doesn’t love art? Every day you wake up and experience some sort of artwork; whetherRead MoreLeadership Management Paper W1 LDR 3001045 Words   |  5 Pagesyoung age, George Washington Carver took a strong grip on his destiny. This dynamic leader prevailed over getting born without a name into slavery, overcoming poverty, and prejudice to commit his life in helping others achieve a better livelihood. Through his actions, he was able to earn high levels of respect of self-worth, dignity, honor, and infinite achievement. Booker T. Washington was the first president and principal of the Tuskegee Institute in 1896. Booker T. Washington sent an invitation

Monday, December 23, 2019

A Comparison of Hamlet and Mcmurphy in One Flew over the...

A Comparison of Hamlet and McMurphy in One Flew Over the Cuckoos Nest It is suggested that in modern literature, the true element of tragedy is not captured because the protagonist is often of the same social status as the audience, and therefor, his downfall is not tragic. This opinion, I find, takes little consideration of the times in which we live. Indeed, most modern plays and literature are not about monarchs and the main character is often equal to the common person; this, however, does not mean the plot is any less miserable nor the outcome any less wretched. The first work I have chosen proves this fact. One Flew Over the Cuckoos Nest, a first novel by Ken Kesey published in 1962, is a contemporary tragedy describing†¦show more content†¦He was the logger again, the swaggering gambler, the big redheaded brawling Irishman, the cowboy out of the TV set walking to me a dare. The common theme in each plot is a rise against tyranny in defense of ones honor to defeat the evil repressor. Despite their different methods, it was the eventuality of revenge that drove Hamlet and McMurphy onward to the brutal end of it all. Although McMurphy disguises it with ignorance and Hamlet flaunts it in his wit, another striking resemblance is the aptitude of these two characters. A consequential parallel between them is also their use of this intellect to set and trap the other characters. McMurphy does this with interest in personal gain, as he often maneuvers the other patients into betting against him when unbeknownst to them, the odds are in McMurphys favor: He let the odds stack up, and sucked them in deeper and deeper till he had five to one on a sure thing from every man of them, some of them betting up to twenty dollars. Hamlet as well manipulates for personal gain, though his is not monetary. He plots to fulfill he need for absolute certainty; his, is a plot for information. Certainly, the best example of this, is the influence Hamlet uses on the play staged by the traveling theater company. His insistence the players perform The Murder of Gonzago, a show that eerily shadows the method used by Claudius himself

Sunday, December 15, 2019

Awareness and Adoption of E Banking in Pakistan Free Essays

Abstract: This study aims to understand customers’ perception towards adoption and awareness of electronic banking in Pakistan. The outcomes would help the policy makers to develop effective strategies for future outlook of electronic banking in a country. The results suggest that banks’ customers in Pakistan perceive electronic banking as a tool for minimizing inconvenience, minimizing risk of carrying cash and time saving. We will write a custom essay sample on Awareness and Adoption of E Banking in Pakistan or any similar topic only for you Order Now Customers further believe that electronic banking increases chances of government access to public data, increases chances of fraud and data losses. It reduces cost and save our precious time. There are also some limitations of e-banking as it requires skills to operate it and passwords can be hacked. This research paper discussed that people of Pakistan are well aware of electronic banking but they are not satisfied with the services provided by the bank and they also feel risk in that service that’s why they trust more on employees. It contains different demographics and their association with research questions. The results conclude that various customers segments do not differ in opinions towards benefits and risks associated with e-banking. This paper also includes recommendations in which it describes that what strategies the banks should choose to increase the satisfaction of customers Keywords: electronic banking; e-banking; customers’ perception; adoption; Pakistan, e-banking in Pakistan, e-banking, SMS banking, ATM I. INTRODUCTION The developments taking place in information and communication technology are increasing competition in financial institutions worldwide. Development of electronic distribution channels in financial industry has completely transformed the traditional bank–customer relationship in recent years. It has reduced personal contacts between the service providers and the customers (Barnes and Howlett, 1998). The scenario is further changed with increased competition among banks and non-bank financial institutions (Zineldin, 1996). Thus an enhanced understanding of why some people adopt one distributional channel and others do not, alongside an identification of the factors that may influence this decision is vital to investigate (Patricio, 2003). Thus, the deployment of advanced technologies is essential to achieve a competitive edge. In the world of banking, the development of information technology has an enormous effect on development of more flexible payments methods and more-user friendly banking services. Recently, the banking industry was highly affected by the technology evolution that transformed the way banks deliver their services, using technologies such as automated teller machines, phones, the Internet, credit cards, and electronic cash. In line with global trends, electronic banking in Pakistan has been undergoing many changes. Electronic banking is a term for the process by which a customer may perform banking transactions electronically without visiting a brick-and-mortar institution. Electronic banking refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer (PC) or other intelligent device. There are many benefits of e-banking as it provides easy way to monitor an account, we can shop, pay bills, buy items at auction, and transfer money from anywhere at any time, it reduces costs, it saves time, and vice versa. Objectives This study focuses on awareness and adoption of electronic banking in Pakistan. Our objectives of this research were to: 1. Check awareness of electronic banking in Pakistan. 2. Check why people are not aware of electronic banking. 3. Know if the people are aware of electronic banking then to how much extent. 4. Check whether banks of Pakistan are providing electronic banking or not. 5. To find the critical attributes that customers expect important while using electronic banking. 6. To find the key variables that affect customers’ evaluations towards risk associated with electronic banking. 7. To understand the relationship between demographic characteristics of customers and their perceptions towards electronic banking. 8. To present results and implications which are insightful to researchers and banks interested in electronic banking. This research is important because it tells bankers that how much people in Pakistan are aware of and adopt the electronic banking and to how much extend. It also tells them to improve their e-banking services in Pakistan. Electronic banking in Pakistan State-owned banks dominated the Pakistani financial market before 1990. The government introduced economic liberalization policies in 1991 when two smaller banks, Muslim Commercial Bank and Allied Bank were privatized. Since then, the government continuously advocated the privatization of existing state-owned enterprises and encouraged the private and foreign banks to setup their businesses in the country. Recent acquisition of locally owned Union Bank by Standard Chartered Bank indicates foreign interest in domestic financial market. According to State Bank of Pakistan (SBP) annual report (2005), there were 35 commercial banks, including 16 private banks (with 797 branches), 11 foreign banks (with 82 branches), 4 privatized banks (with 4,141 branches) and 4 public banks (with 1,543 branches), respectively. Electronic banking is an innovation in the series of technological wonders. Automated teller machine (ATM), telephone banking, internet banking, credit cards and debit cards, etc. have emerged as effective delivery channels for traditional banking products. In Pakistan, foreign banks took a lead by introducing ATM and credit cards in mid-1990s followed by domestic banks in late 1990s. Annual Report of SBP (2003, p. 110) explained this delay in electronic banking largely by regulatory hurdles, higher startup costs, an ongoing banking sectors reforms and lack of technical skills. The government also introduced Electronic Transaction Ordinance in 2002. This ordinance provides legal recognition to digital signatures and documentation. Thus reducing the risks associated with the use of electronic medium of business. At present, almost all commercial banks in Pakistan have setup their ATM networks, issuing debit and credit cards and have joined one of the two operating ATM Switch Networks. According to Kolachi (2006) Pakistani banks provide the following online banking services and products. 1. Enquiry, account statement enquiry, account balance enquiry, check statement enquiry, fixed deposit enquiry 2. Payment, funds transfer, credit card payments, direct payments, utility bills payments 3. Request, checkbook request, stop payment request, demand draft request, new fixed deposit request 4. Download, customer profile, statement download, other information and guidelines downloads. 4 Literature review Consumers’ perceptions towards adoption of electronic banking have attracted many researchers in recent years. Thornton and White (2001) who compared seven distribution electronic channels available for banks in US concluded that customers’ orientation such as convenience, service, technology change, knowledge about computing and availability of internet affected the usage of different channels. According to Hagel and Hewlin (1997) the Internet banking became very attractive to customers and lots of banks because the technology is being accepted by them and they can now understand and have information about the complex products. Nowadays banks are also facing a lot of competition and need a high market share and provide better services to its customers so that they can attract the new customers and old customers do not try to leave them. Howcroft et al. 2002) found that the most important factors that have encouraged consumers to use online banking are lower fees followed by reducing paper work and human error which subsequently minimize the human disputes (Kiang et al. , 2000). Byers and Lederer, (2001 ) concluded that it was changing consumer attitudes rather than bank cost structures that determines the changes in distribution channels; they added that virtual banks can only be profitable when the segment that prefers electronic media is approximately twice the size of th e segment preferring street banks. Decrease in percentage of customers visiting banks with an increase in alternative channels of distribution will also minimize the queues in branches (Thornton and White, 2001). Internet banking increases power of the customers to make price comparison across suppliers quickly and easily, which subsequently pushes the price and margins downwards (Devlin, 1995). Although, electronic banking provides many opportunities for the banks, it is also the case that the current banking services provided through Internet are limited due to security concerns, complexity and technological problems (Sathye, 1999: Mols, 1999). Risks associated to electronic banking Although internet provides many opportunities for banks but it is the case that current banking services through internet are limited due to security concerns, complexity and technological problems (Mols, 1999; Sathye, 1999). Hewer and Howcroft (1999) referred the term trust to measure a risk. While, Suganthi et al. (2001) viewed risk in context of security concerns and risk in context of trust in one’s bank. Finally, a number of studies also found trust and perceived risks have a significant positive influence on ommitment (Bhattacherjee, 2002; Mukherjee and Nath, 2003) and ultimately leads towards overall satisfaction (Rexha et al. , 2003). Reputation of a service provider is another important factor affecting trust. Doney and Cannon (1997) defined reputation as the extent to which customers believe a supplier or service provider is honest and concern about its customers. Tyler and Stanley (1999) argued that banks can build close and lo ng-lasting relationship with customers only if trust, commitment, honesty and cooperation are developed between them. Nancy et al. 2001) study found that customers’ complaint about computer logon time which are usually longer than making a telephone call. Further, the respondents felt that they have to check and recheck the forms filled online, as they are worried about making mistakes. Frequent slow response time and delay of service delivery causes customers to be unsure about the completion of a transaction (Jun and Cai, 2001). Min and Galle (1999) found crashes in operating systems and disruption of information access as common factors related to unwillingness to use internet channels for commerce. Liao and Cheung (2002) found that individual expectations regarding accuracy, security, transaction speed, user friendliness, user involvement and convenience are the most important attributes in the perceived usefulness of internet-based e-retail banking. Confidentiality of consumer data is another important concern in adoption of online banking (Gerrad and Cunningham, 2003). Customers fear about someone’s unlimited access to personal financial information. White and Nteli (2004) focused on why the internet usage has not been increased in UK as compared to internet usage for banking purposes? Results found that the customers still have concerns about the security and safety aspects of the internet. Lack of internet accessibility and a provision of documentary evidence for all transactions are found important hurdles in the development of electronic banking in Thailand (Jaruwachirathanakul and Fink, 2005). Laforet and Li (2005) found that habit of carrying cash, less accessibility of internet and documentary proof of financial transaction as important hurdles in adoption, in case of China. Lack of specific laws to govern internet banking is another important concern for users. It covers issues such as unfair and deceptive trade practice by supplier, unauthorized access by hackers. Larpsiri et al. (2002) argued that it is not clear whether electronic documents and records are acceptable as sufficient evidence of transactions. Another issue is the jurisdiction of the courts and dispute resolution procedures in case of using internet for commercial purpose. Dispute can arise from many issues. For instance, websites is not branch of the bank. It is difficult for the court to define location of branch and decide whether they have jurisdiction (Rotchanakitumnuai and Speece, 2003). Other risks associated to electronic banking are job losses, lack of opportunities to socialize and development of lazy society were mentioned by (Black et al. , 2001). Demographic factors Gender alone is not a significant factor, affecting adoption of technology in general (Gefen and Straub, 1997). However, Kolodinsk et al. (2004) found that married couples are more likely to adopt the new technology than either single males or females. Research has also linked age and adoption of technology, as young people are more likely to adopt technology (Lee et al. , 2002). Maturity in population in terms of knowledge, confidence and comfort in computer usage also increase influence towards online banking (Karjaluoto et al. , 2002). Increase in income and education have found positive effects on adoption (Lockett and Littler, 1997; Sarel and Marmorstein, 2003). Mattilia et al. (2003) indicated that young, educated and wealthy consumers are most likely to adopt internet banking in Finland. Mature customers prefer personal service and a printed receipt of their transactions. Mature customers also perceive internet banking to be more costly than paying bills over the counter. Methodology The study was conducted in Lahore city which is the second largest city of Pakistan and represents almost 20% of all branches network. Branches for survey were selected on convenience basis but after the permission of respective branch managers. Survey covered both residential and commercial areas. In this research data is conducted by using questionnaire as a data collection instrument, in which questions were asked starting from their command on computer and internet usage, following with the awareness of electronic banking and its types, about the benefits of e-banking and then some questions regarding their bank services and the security provide by these banks. The questionnaire includes close-ended questions and they were on liker scale of utilizing a five point categorical. IV. EMPIRICAL RESULTS There is â€Å"table † which shows gender wise association with research questions No. Question| Gender| | Total| P – values| | | | Male| Female| | | | | | | | | | | 1| Aware of electronic banking| 196| 200| 396| 0. 011| | 2| Your bank provides electronic banking facility| 190| 195| 385| 0. 000| | | | | | | | | 3| Aware of SMS banking| 196| 195| 391| 0. 036| | | | | | | | | 4| Aware of INTERNET banking| 189| 198| 387| 0. 010| | | | | | | | | 5| Aware of ATM card usag e| 193| 198| 391| 0. 054| | | | | | | | | 6| Aware of PHONE banking| 193| 199| 392| 0. 272| | | | | | | | | 7| Satisfied with the E-banking services provided by| | | | | | | bank| 192| 198| 390| 0. 08| | | | | | | | | 8| Satisfied with the security of E-banking provide by| | | | | | | bank| 191| 195| 386| 0. 068| | | | | | | | | 9| Want to use e-banking facilities in future| 194| 197| 391| 0. 000| | | | | | | | | Table shows the different questions and their association with gender. First question is about awareness of electronic banking. Total respondents who answered this question were 396 in which 196 were male respondents and 200 were female respondents. Its result shows that awareness of electronic banking is dependent on gender. Next question was answered by 385 total respondents from which the amount of male and female were 190 and 195 respectively. Its results show that providing e-banking services by banks were highly dependent on gender. Third one is about awareness of SMS banking which was answered by 196 male and 195 female respondents. Its result shows that awareness of SMS banking is also dependent on gender. Now the next question is about Internet banking awareness which was answered by 189 male respondents and 198 female respondents and its result shows that awareness of internet banking is dependent on gender. Next question is about awareness of ATM card usage. Total 391 respondents answered that question from which the amount of male and female were 193 and 198 respectively. It results shows that awareness of ATM card usage is not dependent on gender. Now there is a question about Phone banking awareness so total 392 respondents answered that question from which 193 were male and 199 were female and its result shows that phone banking awareness is not dependent on gender. Now the seventh question was asked by respondents about their satisfaction about e-banking services providing by their banks and total 390 answered that question and its result shows that satisfaction about e-banking services providing by banks is depends on gender. Now there is second last question which was answered by 191 male and 195 female respondents and its result shows that satisfaction about security of e- banking providing by banks is not depends on gender. Last question is about the using e-banking service in future and its results are highly dependent on gender. | | Aware of electronic banking| | | | | | | | | | | | | | | strongly| | | | | | | | | disagree| disagree| neutral| agree| strongly agree| Total| | Gender| Male| 13| 28| 46| 64| 45| 196| | | | | | | | | | | | Female| 31| 32| 53| 57| 27| 200| | Total| | 44| 60| 99| 121| 72| 396| | | | | | | | | | | | | | | | | | | | Now there is a table which shows the description of the question, â€Å"Aware of electronic banking †. It shows the amount of respondents from strongly disagree to strongly agree. The highest figures of people are agreed about awareness of e-banking. In male respondents 64 were agree which is 33% of total male respondents. Likewise, in female respondents 57 were agreeing about it which is 29% of total females. | | | High| | | Post| | | | No. | Question| Primary| School| Secondary| Graduate| Graduate| Frequency| P-values| | 1| Aware of electronic banking| 8| 7| 10| 195| 164| 384| 0. 000| | | | | | | | | | | | 2| Use debit or credit cards for| | | | | | | | | | online transactions| 8| 6| 8| 191| 163| 376| 0. 008| | | | | | | | | | | | 3| Aware of ATM card usage| 8| 7| 10| 193| 163| 381| 0. 030| | | | | | | | | | | | | Aware of PHONE banking| 8| 7| 10| 194| 161| 380| 0. 155| | | | | | | | | | | | 5| Feel risk about hacking of| | | | | | | | | | passwords| 8| 7| 10| 192| 161| 378| 0. 555| | | | | | | | | | | | 6| Satisfied with the E-banking| | | | | | | | | | services provide by bank| 8| 7| 9| 191| 163| 378| 0. 269| | | | | | | | | | | | | More trust on the bank| | | | | | | | | 7| employees with communication| | | | | | | | | | tha n E-banking| 8| 7| 10| 191| 163| 379| 0. 680| | 8| Want to use e-banking facilities| | | | | | | | | | in future| 8| 7| 9| 192| 163| 379| 0. 69| | | | | | | | | | | | In this table there is a demographic of education whose relationship with research questions is given in above table. No. | | | | | | | | | Age| | | | | | | | Question| | | Below| 20 -| 30 -| 40 -| 50 -| Above| Frequency| P-values| | | | | | | | | | | | | | | | | | | | | 19| 29| 39| | 49| 59| 60| | | | | | | | | | | | | | | | | | | | 1| Have full command on computer| | 91| 241| 30| | 16| 10| 3| 391| 0. 034| | | | | | | | | | | | | | | 2| Involved in banking transactions| | 91| 239| 30| | 14| 14| 3| 391| 0| | | | | | | | | | | | | | | | Awareness of usefulness of| | | | | | | | | | | | | electronic banking| | | | 91| 238| 30| | 16| 14| 3| 392| 0. 004| | | | | | | | | | | | | | | | | 4| Your Banks provides online technical| | | | | | | | | | | | assistance or 24 helpline| | 88| 240| 30| | 16| 14| 3| 391| 0. 002| | | | | | | | | | | | | | | 5| Use debit or credit cards for online| | | | | | | | | | | | transactions| | | | 90| 237| 30| | 16| 14| 3| 390| 0| | | | | | | | | | | | | | | | | 6| Aware of INTERNET banking| | 91| 238| 29| | 14| 14| 3| 389| 0. 443| | | | | | | | | | | | | | | | Aware of PHONE banking| | 91| 240| 30| | 16| 14| 3| 394| 0. 105| | | | | | | | | | | | | | | 8| It provides| easy| way| to monitor| a| | | | | | | | | | | | account| | | | | 91| 242| 30| | 16| 14| 3| 396| 0. 019| | | | | | | | | | | | | | | | | | 9| Feel risk about hacking of passwords| 91| 239| 30| | 16| 13| 3| 392| 0. 089| | | | | | | | | | | | | | 10| Have easy access to ATM machine| | 88| 240| 30| | 16| 13| 3| 390| 0| | | | | | | | | | | | | | | 11| Satisfied| with| the| E-banking| | | | | | | | | | | | services provide by bank| | 90| 240| 30| | 16| 13| 3| 392| 0. 47| | | | | | | | | | | | | | | 12| Satisfied| with| the| security| of| | | | | | | | | | | | E-banking provide by bank| | 89| 239| 28| | 16| 13| 3| 388 | 0. 004| | | | | | | | | | | | | | | 13| More trust on the bank employees| | | | | | | | | | | | with communication than E-banking| 90| 241| 30| | 16| 13| 3| 393| 0. 036| | | | | | | | | | | | | | Above table shows the relationship of research questions with age. In first question it is asked about command on computer. This question was answered by total 391 respondents from which from which 91 respondents had age less than 19. How to cite Awareness and Adoption of E Banking in Pakistan, Papers

Saturday, December 7, 2019

Red Sky at Morning free essay sample

Arnold owns a shipyard and is also insistent on joining the Navy. This factor of his absence plays a major role on Joshs development. Mrs. Anne Mrs. Arnold is Joshs mother and is in sharp contrast to his father. Mrs. Arnold is a strong southern women who does not display the same kindness to minorities. The absence of her husband, however, leads to her mental breakdown, another trying factor for Josh, half-way through the book. Amalie Amalie was Mr. Arnolds high school friend. She spoke kindly of his treatment of her throughout high school. She did and still does love Mr. Arnold and does not hold back in telling Josh so. Jimbob Buel Jimbob is a professional house guest, who has been bouncing between houses for quite some time. He spends several months with the Arnolds. Courtney Ann Conway Courtney Anne, or Corky, is Joshs girlfriend from Mobile. We will write a custom essay sample on Red Sky at Morning or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Paul and Lacey Paul and Lacey are the Arnolds house cleaners in Mobile. Upon being let go, Mr. Arnold gives them 500 dollars while Mrs. Anne later gives them ten. Amadeo and Excilda Montoya The Arnolds domestic help in Sagrado. In a rage, Joshs mother fires them. Victoria Victoria is the Montoyas daughter. When he is younger, Josh proclaims that he loves her, however years later she is not mentioned much because Joshs feelings for her may not be racially acceptable. Chango Lopez Chango was the bully in Sagrado. He constantly picked on Josh and the other kids with his gang of associates. However, after a near fatal stabbing he is transformed in to a devout Catholic and a friend of Josh. Viola Lopez Viola is Changos sister. She was very religious and the pride of her family and town for her studies. However her good-girl image may not be everything it seems. Tarzan Tarzan was one of Changos gang. After going crazy and stabbing Chango, he flees and hides in hills and abandoned buildings. Viola takes pity on him and tries to help him but he is captured and thrown in jail by the town sheriff. Marcia-An outgoing girl that resides in Segrado. Her open personality and unbashfulness often contrast with Joshs own personality. She quickly becomes one of Joshs good friends,and somewhat love interest. Steenie-The first friend Josh makes in Segrado. Steenie is a meaty boy with a quick toungue. His father is the only doctor in Segrado,and often runs around delivering babies. This being said, Steenie has a wide knowledge of anatomy and uses his knowledge to cleverly conince people to do things for him, or to just be funny. Chamaco Chamaco is the town sheriff in Sagrado. His biggest role in the story is his pursuit of Tarzan, which he does with much enthusiasm because it is some of the only police work he gets to do in Sagrado. Venery Ann and Velva Mae Cloyd The Cloyd sisters are the two beautiful shallow sisters in Sagrado. When they become pregnant, their father rushes into the school with a shotgun searching for the boy responsible. Mr. Cloyd Mr. Cloyd is the crazy and over protective father of the Cloyd family. He is a professional con man whose double jointed back allows him to fake getting hit by a car of a big company and sue for the insurance money. Romeo Bonino Romeo is the wise carpenter turned sculptor of Sagrado. Once a friend of Joshs father, Josh meets him by chance one day and he becomes a wise mentor for Josh throughout the book. He goes through a series of wacky but unimportant models. He sculpts boulders of people he admires. At the end of the novel the head of Mr. Arnold appears next to the other boulders he sculpted. Dr. Temple Dr. Temple is a psychiatrist. His wife drives their Rolls Royce and accompanies him on official visits. They came to Sagrado for the dry air to cure a supposed breathing illness of their son (that was all in his head). Several times, Josh calls Dr. Temple to treat his mother.