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Running Time:
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Third Degree Films
Staying In
Mike Quasar
All Sex
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Thrust 'til you bust in this internal extravaganza that has you filling up the hottest girls in the biz with loads of man juice! While you're fondling those perfect tits and getting the best blow job of your life, you might be tempted to let it fly when you reach the point of no return, but don't you dare! These girls are counting on you - they're into "Staying In!"
4 Scenes from Staying In 3
Will Powers Marilyn Moore
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Sci fi/Fantasy image by
Doris LettmannA picuter done during a long roleplaying session: Well, it´s a sort of ironic tragedy when you get slayed so near at the exit of the cave system. I wanted to play around with a sort of dramatic light so I tried out a new cg style and worked on this jeans blue colored digital canvas, which helped a lot with creating the highlights and a cave like atmosphere.
Published More than a year ago
Category Fantasy
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LETM1 antibody (70R-1752)
Rabbit polyclonal LETM1 antibody raised against the middle region of LETM1
Synonyms | Polyclonal LETM1 antibody, Anti-LETM1 antibody, LETM1, Leucine Zipper-Ef-Hand Containing Transmembrane Protein 1 antibody, LETM 1, LETM 1 antibody, LETM-1, LETM-1 antibody |
Specificity | LETM1 antibody was raised against the middle region of LETM1 |
Cross Reactivity | Human,Mouse,Rat,Dog |
Applications | WB |
Immunogen | LETM1 antibody was raised using the middle region of LETM1 corresponding to a region with amino acids MALKNKAAKGSATKDFSVFFQKIRETGERPSNEEIMRFSKLFEDELTLDN |
Assay Information | LETM1 Blocking Peptide, catalog no. 33R-5689, is also available for use as a blocking control in assays to test for specificity of this LETM1 antibody |
Western Blot analysis using LETM1 antibody (70R-1752)
LETM1 antibody (70R-1752) used at 5 ug/ml to detect target protein.
Host | Rabbit |
Method of Purification | Total IgG Protein A purified |
Molecular Weight | 60 kDa (MW of target protein) |
Form & Buffer | Lyophilized powder. Add 100ul distilled water for a 1mg/ml concentration of LETM1 antibody in PBS |
Concentration | 1 mg/ml |
Usage & Assay Information
Usage Recommendations | WB: 5 ug/ml |
Storage & Safety
Storage | Store at 2-8 deg C for short periods. For longer periods of storage, store at -20 deg C. Avoid repeat freeze-thaw cycles. |
General Information
Biological Significance | The LETM1 is a factor of the mitochondrial K+ homeostasis with a potential role in the Wolf-Hirschhorn syndrome. |
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2017 Native Plant Sale – Saturday, May 20th
Our Native Plant Sale will be back again in 2017 on Saturday, May 20th from 8am – 3pm!
We are still finalizing all of the details of the species and the prices for 2017. However, feel free to browse our 2016 plants here and our 2016 price list to get a general idea of our Native Plant Sale offerings. This is a one day only event and everything is first come, first serve.
Our popular pre-ordered Plant By Number Native Plant Flats will be back as well!
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Medusa Island
USA = $0.99 UK = Ł0.75 Amazon USA Amazon UK
Funny Poems Home | Love Poems | Famous Poems | Inspirational Poems | Funny Posters | Robert Burns
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Say Bazonka every day That's what my grandma used to say It keeps at bay the Asian Flu' And both your elbows free from glue. So say Bazonka every day (That's what my grandma used to say) Don't say it if your socks are dry! Or when the sun is in your eye! Never say it in the dark (The word you see emits a spark) Only say it in the day (That's what my grandma used to say) Young Tiny Tim took her advice He said it once, he said it twice he said it till the day he died And even after that he tried To say Bazonka! every day Just like my grandma used to say. Now folks around declare it's true That every night at half past two If you'll stand upon your head And shout Bazonka! from your bed You'll hear the word as clear as day Just like my grandma used to say!


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Archive for the 'countdown' tag
Word of the Day (from dictionary.com)… I stand corrected.
Word of the Day for Thursday, December 3, 2009
roborant \ROB-uh-ruhnt\, adjective:
1. Strengthening; restoring vigor.
1. A strengthening medicine; a tonic; a restorative.
I thought it was robo-rant [ROH-BOH-rant], and I thought it described that thing that hosts MSNBC's Countdown.
Keith Olbermann really, really needs a producer whose head doesn't reside in his ass
The Sultan of Smug is giddy to hear that Rahm Emanuel and David Axelrod agree with him that Fox News is "not a news organization." However, about 3 minutes later, he plays a clip from Fox News of Arlen Specter criticizing the GOP.
Hey Keithers, why do you rely on reporting from those non-journalists at that non-news organization to support your condemnation of the Republican party? If Fox News is such a shitty organization, why don't you go out and get your own scoops?– or better yet, interview a single person who disagrees with you.
Keith Olbermann plays "gotcha" with Sen. Chuck Grassley on the "individual mandate." Olbermann loses.
On Countdown tonight, the Sultan of Smug could hardly contain his giddiness in playing "gotcha" with Sen. Chuck Grassley (R-IA) about the "individual mandate" for health insurance. Here is the statement from Grassley that the Sultan played:
This is the first time in the 225-year history of our country that we have forced you as a constituent, any of our constituents, to buy a product. You know, you've been free to buy or not buy. But now for the first time you're gonna have to buy health insurance… I'm not a lawyer, but let me tell you, I've listened to some lawyers speak on this, and you know it's a relatively new issue, and I don't think we've ever had this issue before of having to buy something. And a lot of constitutional lawyers are saying it is unconstitutional or at least a violation of the tenth amendment. Now maybe states could do this, but can the federal government do it? So I have my doubts.
Keith immediately zings Grassley with, "You heard of insurance on cars, Senator Grassley? Mandatory insurance on cars?"
I am going to guess that not only is Senator Grassley obviously aware of mandatory insurance on cars, but that he is aware that proponents of the mandate may cite such laws as precedent– I think it's safe to assume that's why he included the caveat, "maybe the states can do it."
Guess what, Keith? The states can, and do, require auto insurance. The federal government does not, cannot and should not, for the reasons clearly stated by Senator Grassley.
Maybe if Keith Olbermann didn't assume everybody he disagrees with is some combination of retarded, evil and dishonest, he'd avoid failling into traps himself.
Then again, I guess it doesn't really matter– after all, not even Keith Olbermann watches Countdown with Keith Olbermann.
UPDATE: Here's the video–
QUESTION: What the hell are you talking about? ANSWER: You're a racist!
A perfect example of how much less thinking is required when you are permitted to repeatedly cry "racist!" without challenge.
UPDATE: More nuanced, trenchant commentary from the Sultan of Smug and the Kabuki Kid, via Hot Air.
The Sultan: "The line of racist attacks against the President, sometimes poorly disguised as birthers or deathers or whatever, is that what's in play here, principally?"
I don't think he's right about the birthers, but I can at least understand how somebody seeking the specter of racism might find it in the claim that Obama was born abroad. But "deathers"– which I am guessing refers to people talking about "death panels?"– really? Was the Sultan so enchanted by the parallelism of "birthers and deathers" that he didn't even bother to think through what the words actually mean? An accusation of racism is a powerful and destructive thing, even if it's just a shortcut to thinking. It's kind of disgusting how arbitrarily and recklessly Keith Olbermann brandishes it.
Then again, I guess it doesn't really matter– I mean, not even Keith Olbermann watches Countdown with Keith Olbermann.
Visit msnbc.com for Breaking News, World News, and News about the Economy
Not even Keith Olbermann watches Countdown with Keith Olbermann
Not even Keith Olbermann watches Countdown with Keith Olbermann. Because if he did, surely he would remember that protesters have indeed been called "political terrorists"– by none other than Keith Olbermann.
More MSNBC comedy here.
UPDATE: More hilariously highfalution sanctimony (via Hot Air).
Incoherence with Keith Olbermann
In one segment of "Countdown with Keith Olbermann," the host struggles mightily to formulate a single coherent question or statement when he is not spinning off on bizarre, impertinent tangents.
Sublimate is a great word, but he clearly doesn't know what it means so he probably shouldn't use it.
Countdown with Keith Olbermann
Created at Xtranormal.
Pop-Up Olbermann: A little fun with Countdown with Keith Olbermann
In the first four minutes of Countdown with Keith Olbermann, I point out a little hypocrisy, misinformation and a general lack of integrity from the Sultan of Smug.
Beginning at 1:30, most of the footage from St. Louis is video I shot personally. I wonder if Keith knows he's supporting terrorists by broadcasting their videos.


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From Wikipedia, the free encyclopedia
Mekhatria | |
Country | Algeria |
Province | Aïn Defla |
Time zone | West Africa Time (UTC+1) |
Mekhatria is a town in northern Algeria.
Coordinates: 35°48′N 0°19′E / 35.800°N 0.317°E
This article about a location in Aïn Defla Province is a stub. You can help Wikipedia by expanding it. |


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More Articles
- The Pretax Health Insurance Deduction for Employees
- Pre-Tax vs. After-Tax Medical Premiums
- Can I Choose Whether to Have My Health Insurance Deductions Pre-tax or Post-tax?
- Are Premiums for Health Insurance Paid With Pre-Tax Dollars?
- Does Taxable Income Include Pretax Health Insurance?
- Can You Claim a Deduction on Form 1040 for Health Insurance Contributions?
Pretax health insurance plans provide both employees and employers with a tax break, so it's practical for an employer to establish one. If you participate in your employer's pretax health plan, you pay your premiums with pretax money via payroll deduction. You can pay your premiums by payroll deduction on a post-tax basis with after-tax money instead.
Under the Affordable Care Act, starting in 2014, employers that offer health insurance and have at least 50 full-time employees must provide a comprehensive plan that pays no less than 60 percent of the health care costs. The plan must also be affordable, costing below 9.5 percent of an employee's income.
Cafeteria Plan
To pay premiums for prescription drug coverage and for medical, dental and vision insurance on a pretax basis, you must participate in your employer's Section 125 plan, commonly called a "cafeteria plan." In some states, employers that offer health insurance must do so under a cafeteria plan. If a cafeteria plan is not required, the state might encourage employers to establish one by offering them a tax credit.
Pretax Versus After-Tax
The key difference between paying for health insurance with pretax money and after-tax money is that the former is taken out of your wages before taxes are withheld, and the latter is taken out afterward. If your plan is pretax, you do not pay federal income tax, Social Security tax, Medicare tax, and, depending on your state, state income tax on your premiums. Your employer gets a tax break on its portion of Social Security and Medicare taxes.
Plan Change
Unless you have a qualifying event, such as marriage, birth or divorce, you generally cannot make changes to a pretax health insurance plan until open enrollment, which happens once during the plan year. For example, to change your plan from "preferred provider organization" to "health maintenance organization," or from individual to family, or to cancel the plan entirely, you must wait until open enrollment. If you pay for coverage with after-tax money, you can generally make changes at any time.
Paid Versus Paid Leave
If you go on paid leave, your payroll deductions for health insurance may continue through the end of the year, and your employer will continue to submit your payments to the carrier. To continue pretax deductions for the next year, you may re-enroll during open enrollment. If you go on unpaid leave, your payroll deductions will cease. If you want to continue your coverage, you may pay the premiums yourself with after-tax money.
Tax Filing Deductions
If you paid qualified medical and dental costs for yourself, your spouse or your dependents, you may be able to claim them on your federal, and, if applicable, state tax return. Under IRS rules, you can claim only the amount by which your total costs are more than 7.5 percent of your adjusted gross income. Unlike the expenses you claim on your tax return, a Section 125 pretax plan gives you a tax break on all your health insurance premiums. You may not claim a deduction for pretax premiums on your tax return since you already received a tax break through payroll deduction.
References (5)
- Upstate Medical University: Health Insurance Frequently Asked Questions (FAQs)
- University of California, Berkeley: Affordable Care Act
- National Conference of State Legislatures: States' Use of "Cafeteria Plans" to Provide Health Insurance
- Clackamas Community College: Section 125 Plan
- IRS.gov: Medical and Dental Expenses


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41 threats found
41 threats removed
Name | Redzed |
Description | Redzeds create a security breach in a computing system by granting outside access by unauthorized users. They can be used to take control over a computer and to download and install other malicious applications. |
Type | Adware |
Alias | W32_redzed@mm W32-gant_d@mm W32-redist-c |
How to manually remove Redzed guide. Only for ADVANCED users.
Check running processes on your system. Usually you can find Redzed process running. Use the Ctrl+Shift+Esc buttons combination to open system information window and click Processes tab. Scroll down the whole list and try to find the process named like Redzed. If you find Redzed process running, right click on it and choose "End Process". It will disable Redzed for the current Windows session, but remember that if you do not completely remove Redzed using next steps, then your PC will stay vulnerable to malware attack. Next steps are much more important in removing Redzed.
Prevent the malware from leaking or spreading your personal data. Adware usually uses the Internet to transfer all possible and important information you have. Some Adwares are not so "Active" and they can simply disable some Windows features and options. To disconnect your PC from the Internet you need to plug-off LAN cable (if you use LAN connection) or to turn of the Wi-Fi module (if you use Wi-Fi Internet connection). Most of (not 100%) Adwares can not access Wi-Fi module preferences. Turning off the Internet will disable Redzed from transferring any data from your PC.
The next step is very important in removing Redzed. After turning off the Internet and disabling Redzed process you will need to reboot your PC in so-called Safe Mode. Safe Mode is a Windows mode which allows you to start the System using only important applications and services. Safe Mode does not usually allow Redzed to load when the system boots (!!!but exceptions can appear!!!). Choose Restart in Windows Start menu and wait until the screen turns off.
After that you have to follow the next instructions according to the versions of Microsoft Windows you use:
Press the F8 key repeatedly when the first screen appears.
Select Safe Mode from Windows Advanced Options Menu and press ENTER.
Press the F8 key repeatedly when the first screen appears.
Use the arrow keys from Windows Advanced Options Menu in order to select Safe Mode and press ENTER.
Press and hold the Shift button when left-clicking the Restart button on Windows log-on screen.
Select Safe Mode from Windows Troubleshooting boot screen and press ENTER.
Having booted your PC in Safe mode you have to start cleaning your PC manually by deleting every file associated with Redzed one by one. Here is the list of all files associated with Redzed. Delete all files listed below using the Shift+Delete buttons combination. Always double check the file name as sometimes Adwares use very similar filenames as very important system files do and you can mistakenly remove important system file what will harm your system and you will not be able to boot your PC at all.
Please, remember that viruses are always progressing and sometimes new files can appear. If you are using our offline PDF guide on How to remove Redzed, please check if you have it's latest version.
We do not guarantee that Redzed has the same file structure at the moment of deleting.
After removing all files associated with Redzed that were listed above, reboot your system in normal mode and check if your PC works fine or you still have any troubles.
It it is OK – congratulations! You have made a great job!
If it is still NOT ok – use OSHI Defender to check your PC.
Similar threats | Redzed Php.redz |
Associated threats | Gen:variant.adware.graftor.275340 Adware.browsefox.ge Win.adware.kazy-8724 Adware ( 004dd9411 ) Gen:adware.browsefox.1 |
Virus files | Card_install.pif Mslg32.exe Winlg32.exe |
We have an answer
How does Redzed infect my computer?
I detected Redzed on my computer. What do I do?
What damage can Redzed do to my computer?
What are the main symptoms of Redzed?
Can Redzed spread to other computers?
Countries with the highest Redzed infection rates.
The first recorded appearance of Redzed
You have a question?
How does Redzed infect my computer?
Redzed is an Adware-type virus. The most common way a computer becomes infected with Redzed is when a user downloads free software or browser toolbars.
I detected Redzed on my computer. What do I do?
If you have OSHI Defender installed on your computer, it will detect and remove Redzed and all related files. First, restart your browser and then check the Home Page to make sure that you're still using your preferred search engine (Google, Bing, Yahoo, etc.), because Redzed replaces users' search engines with ones that display ads.
What damage can Redzed do to my computer?
Developed by large companies, viruses like Redzed are mostly legal products that hackers use to make money on the ads that Redzed displays on infected computers.
What are the main symptoms of Redzed?
High network activity
Unusual browser settings
Pop-up windows
Can Redzed spread to other computers?
As a rule, Redzed requires user interaction and cannot automatically infect other computers on your local network or by using the same USB-disk on additional computers. There may be exceptions, though.
Countries with the highest Redzed infection rates.
The first recorded appearance of Redzed
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ENVI offers a complete suite of image processing and analysis tools that let you easily extract pertinent information from imagery without spending valuable time and effort learning advanced image analysis techniques.
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Journal Article
Review: The Channel Islands War, 1940-1945 by Peter King
Reviewed Work:
The Channel Islands War, 1940-1945
by Peter King
Review by:
Bob Moore
The English Historical Review
Vol. 109, No. 434 (Nov., 1994), p. 1341
Published by: Oxford University Press
Stable URL: http://www.jstor.org/stable/574004
Page Count: 1
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A pear-shaped, somewhat froggy-faced comedic character player, Jon Lovitz gained initial fame as a regular on NBC's "Saturday Night Live." Lacking the mimetic virtuosity of some of his colleagues, Lovitz nonetheless emerged as one of the show's stars thanks to a number of hilariously broad characters including Tommy Flanagan of Pathological Liars Anonymous, the great Shakespearean ham Master Thespian, the Devil himself and a memorable impression of actor-playwright Harvey Fierstein ("I just want to be loved! Is that so wrong?"). Prior to "SNL," Lovitz had done some TV work--a guest spot on "The Paper Chase," a recurring role on the legal sitcom, "Foley Square"--and completed his contributions to several features: "The Last Resort" (1986), "Ratboy" (1986), and a cartoon feature, "The Brave Little Toaster" (1987). With his newfound success, Lovitz became a popular character player in features and a frequent guest on TV. His distinctive and theatrical voice is well suited to animation as both "An American Tail 2: Fievel Goes West" (1991) and his contributions to TV's "The Simpsons" and "The Critic" (for which he voiced the Siskel & Ebert-esque Jay Sherman for two incarnations, the original Fox series [1994-1995] and the Internet-based sequel in 2000) demonstrated. He also voiced Calico, Mr. Tinkles' short-haired cat servant in the animorphic and CGI-laden comedy "Cats & Dogs" (2001).
Lovitz's long friendship with actor-turned-director Penny Marshall led to roles in her films "Jumpin' Jack Flash" (1986), "Big" (1988), and "A League of Their Own" (1992). He was outstanding in the latter as Ernie 'Cappy' Capadino, the fast-talking scout who recruits Geena Davis and Lori Petty. His subsequent feature work has been uneven, but Lovitz landed a key supporting role in Tom Shadyac's "Liar Liar" (1997), starring Jim Carrey. The following year, he accepted a role on the NBC sitcom "NewsRadio." Lovitz was hired to fill the void left by the untimely death of former "SNL" co-star Phil Hartman, playing the obnoxious and insecure Max Louis until the show left the air in 1999. Woody Allen cast Lovitz to great effect as Benny Borkowshi, one of the doltish team of would-be robbers that populated the writer'director's light and amusing comedy "Small Time Crooks" (2000), and the comic played a money launderer dressed in Elvis drag for the misfire "3000 Miles to Graceland" (2001). He had other roles in lesser films, including "Rat Race" (2001) and "Good Advice" (2001), and was put to good use as Bette Midler's husband in the comic remakes of the thriller "The Stepford Wives" (2004).
Lovitz has remained personally and professionally close with some of his SNL castmates, appearing in various features alongside them, including the David Spade vehicles "Lost & Found" (1999) and "Dickie Roberts: Former Child Star" (2003), and Adam Sandler's "Little Nicky" (2000) and the animated feature "8 Crazy Nights" (2002).
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36 photos $10,000,000 26,192 acres Meeker, CO 81641 - Rio Blanco County Wakara Ranch - 26,192 acres (2,192 deeded) - 1/2 of a mile of fishing on the famed White River - Senior water rights capable of irrigating 800+ acres - New 5,093 sq. ft. custom home, two guest houses, two managers, homes, barn, cattle facilities, and several outbuildings - Trophy big game hunting for elk, mule deer, and antelope - 10 miles from Meeker, Colorado Easily qualifying as one of the finest all-round large ranches in northwest Colorado, the 26,192 acre (2,192 deeded) Wakara Ranch will capture your Western imagination and not let it go for years to come. The Wakara Ranch sits on the banks of the magnificent White River, one of Colorados best kept trophy trout rivers. Fed by the fertile limestone geology of the White River Plateau, the White R Dave Harrigan and Hunter Harrigan Harrigan Land Company
41 photos $10,000,000 7,100 acres Meeker, CO 81641 - Rio Blanco County LK Mountain Ranch - 7,100 acres adjoining White River National forest - World-class big game hunting for trophy elk & mule deer - Participates in Colorado's Ranching For Wildlife Program allowing for a three month hunting season and the use of any weapon - A conservation easement allows for division of the property and three building envelopes - Numerous ponds, springs, and year-round creeks provide excellent water for livestock and wildlife - County road access six miles south of Meeker The massive bull elk and buck mule deer mounts in the lobby of the historic Meeker Hotel say it all: some of the largest elk and mule deer in the world have thrived near Meeker, Colorado for generations. Today that fabled legacy continues on at LK Mountain Ranch, only Dave Harrigan and Hunter Harrigan Harrigan Land Company
20 photos $8,500,000 725 acres 4200 sqft Meeker, CO 74855 - Rio Blanco County K-T Ranch Situated in northwest Colorado along the banks of the legendary White River lies the K-T Ranch. With access to more than 7 miles of private trout water, deeded and leased, along the intimate freestone river and adjoining spring creeks, this is the ultimate exclusive fly-fishing property. Also includes an elegantly restored 4,200 sq. ft. Victorian home, historic water rights, irrigated hay fields and trophy elk hunting on the neighboring White River National Forest. (Contact Ken Mirr). Mirr Ranch Group Mirr Ranch Group
20 photos $6,700,000 2,784 acres Meeker, CO 81641 - Rio Blanco County Wyatt Ranches - Morapos Creek Division Located along the northwest edge of the Flat Tops, this outstanding wildlife property shares five miles of boundary with the White River National Forest. Known for its excellent big game hunting, this diverse 2,784 acre ranch also features two trout streams, ponds, privacy, scenery and a hunting lodge. The ranch has excellent wildlife habitat, with multiple drainages featuring a mix of aspens, dark timber, oaks, serviceberry, sage, grass and significant water resources. With elevations ranging from 7,300 to over 8,800 feet, the ranch is located within the prime summer range and migration corridors of worlds largest herd of elk. Historically light hunting on the property has resulted in a wildlife sanctuary with resident populations of elk, Brian Smith Hall and Hall
10 photos $1,750,000 408 acres 2904 sqft 20787 County Road 8, Meeker, CO 81641 - Rio Blanco County Gooseberry Creek Ranch The 408-acre Gooseberry Creek sporting ranch is 22 miles east of Meeker, Colorado, on paved County Road 8 in the scenic White River Valley. County Road 8 is also known as Flat Top Road and is a designated Colorado Scenic Byway. Gooseberry Creek flows down through the ranch from the White River National Forest which borders the ranch on the north. BLM borders the ranch on the south. The creek joins the fabled White River south of the ranch. The ranch has direct access to this world famous fishery. The lucky owner of this ranch can get on a horse and ride out the back gate into two and a half million acres of wilderness and National Forest. A log lodge, barn, sheds, corral and shop overlook a large pond. A two bedroom hunting cabin, remote Ranch Marketing Ranch Marketing Associates
3 photos $1,100,000 2,850 acres Meeker, CO 81641 - Rio Blanco County Elk Creek Ranch - Homesite 4 A world-class retreat ideally positioned on the banks of the legendary White River, Elk Creek Ranch provides access to 25 miles of unspoiled, private fishing on the White River and Elk Creek. The ranch is comprised of 2,850 acres offering dramatic views of spectacular mountain and riparian landscapes and is designed with seamless access to the 5-star ranch amenities. This community was artfully planned to provide 65 families the opportunity to own and enjoy a wealth of recreational activities in one of Colorados premier valleys. Elk Creek Ranch provides a myriad of top-notch services including year-round award-winning chefs, a fully stocked fly shop, a team of accomplished fishing guides, a hospitality staff to assist with every need and mu Alex Maher Live Water Properties


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Observations and Images on Architecture, Culture and More, in Chicago and the World. See it all here. |
Toy Futures |
Are Lego's mightier than the bulldozer? ArtAsiaPacific magazine and the People's Architecture Foundation apparently think so. They handed each of a selected group of Asia's leading architects a white-bricks-only Lego set (who selected the pieces - Richard Meier?) with which to create models intended to be "exhibited and auctioned to raise awareness about architectural preservation in Asia . . . The project engages concepts of creativity through play and issues of urbanism, new design and heritage awareness that affect architects in a region undergoing dramatic change and development." The project, Building Asia Brick by Brick, includes models from nine architects, and an exhibition of those models is working its way through China's shopping mall circuit, where it includes a series of children's workshops using a "Teach Through Play" approach where architects and urban planners work with the kids "to explore and develop their creative skills, both individually and in group settings. Participating architects will be on site to explain the concepts behind their models and work with children on creating their own architectural designs. Children will be exposed to a new way of thinking about design, building and teamwork. " Architecture exhibitions at the shopping mall? What's next: motorcycles at the Guggenheim? Actually, these aren't just any shopping centers. China is the new Texas, where the Brobdingnagian has become the vernacular. The BABbB show is just finishing up its run at the Grandview Mall (aka Zhengjia Plaza) in Guangzhou (on Tianhe street, just across from the iHop and kitty-corner to the Stuckey's), the 7th largest mall in the world, its 3 million square feet of leased space putting America's Mall of America (2.5 million sf) to shame. 400,000 people stop by on an average weekend day, and an incredible even million flood the place on an average day during "golden holiday" week. (The current champ, South China Mall in Dongguan, is, at 7 million square feet, over twice as big.) The exhibition closes on Sunday, moving on to the Daning Life Hub in Shanghai in July, Beijing's Soho Shangdu in August, and the Bailian Tianfu Shopping Mall in Chengdu in September. An undisclosed New York City location (the Rupert Shopping Towne at South Street Seaport, perhaps?) in 2008, where the models will be auctioned off as a fund-raiser. How those funds will actually "raise awareness of architectural preservation in Asia" remains unclear, especially for China, a land where traditional architecture is being wiped out by a building boom unprecedented in world history. Mostly, the models in BABbB seem tightly focused on the future. The fourteen participating architects come not only from China, but also India, Australia, Thailand, Singapore, Japan, and - Lebanon. Bernard Khoury describes his Lego tower - which looks a bit like that the lost hotel Rem Koolhaas designed for Ian Shrager - in a way any Lego veteran running out of bricks can relate to: "Built from exactly 7500 pieces, the surface consists of solids and voids allowing for the [as Jane Faulkner might say] "pixilated" emission of light through its skin. At first, only the base perimeter was set. Final height and composition developed during construction as the result of the haphazard attachment and buildup of bricks. The object's morphology gradually changes as it rises: the pixels grow larger and corners disintegrate as the number of pieces diminishes, reflecting our premonition of the object's growth reaching an end." Translation: when we realized we were running out bricks, we made the windows bigger. The other entries range from traditional, as in this entry from Bangkok's Architects 49: to the highly conceptual, as in this entry from MADA s.p.a.m. and Qingyun Ma, currently dean of the School of Architecture, University of Southern California. It kinds looks like a giant stapler. The description on the web site could only come from an academic: If you actually understand what is being expressed here, please drop me an email and explain it to me. For me, the most impressive part of MADA's entry is how it overcomes Lego's intrinsic resistance to anything that's not a right angle, which is accomplished even more completely in the model from Urbanus Architecture and Design, which draws above the "Tulou", or dirt building, "a traditional prototype for collective dwelling located throughout Fujian and Guangdong province in southeast China. Usually taking the pure square or circular form, "Tulou" suggests a well defined, hierarchical living microcosm." The entry from Map Office's "Plan-it-Yourself !" concept uses Lego's in a way that leads me to imagine how much fun planner Ludwig Hilberseimer might have had if he had had Lego's to play with: Sean Godsell Architects' model uses a single Lego module to create an entire "cellular outer skin" that seems to channel Edward Durrell Stone: It's too bad the show isn't coming to Chicago. It would have been fun to see what Gang, Garofalo, Ronan, UrbanLab, Krueck, Jahn, Smith and the rest of Chicago's army of often insanely creative architects would have done if Stanley Tigerman had handed each one a humongous box of Lego's. (My bet is that there would have been a quick rebellion against the "white's-only" restriction of the sets given the BABbB architects.) Still the BABbB models, and the thought behind them, are definitely worth checking out for both Lego addicts and civilians, alike. You can see them all here. And while we're at it, what better excuse to disinter my own Lego juvenilia, created at a time in my callow youth when I thought Mies was the devil (opinion revised), and John Wellborn Root the real thing (no revision necessary). Check it all out, and leave your derisive comments, here. Join a discussion on this story. © Copyright 2007 Lynn Becker All rights reserved. |


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How Internet Banking Aids To Improve Banking Commerce Essay
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This essay has been submitted by a student. This is not an example of the work written by our professional essay writers.
In the age of information technology, the internet has become the one of the most popular invention. The internet has brought the world into a global village. There are countless applications which are running on the internet and are providing benefits to millions of its users. The numbers of internet users are increasing day by day and so do the internet applications. One of the many applications running on the internet is the internet banking or online banking.
The internet banking means that the financial services and products are offered to the customer online through the websites of the financial institutes. Most of the financial institutes like banks and other building societies are using internet applications to provide best and fast customer services. The internet banking has not only improved the customer services but also it has provided many financial and economical benefits to the organizations like banks etc.
Rationale for the Research
Almost all financial institutes and banks world-wide, especially in developed countries like USA, UK, European countries and some of the countries in the developing world, have implemented online banking as а way of maximising customer sаtisfаctiоn, gaining better results, reducing human resource cost and оbtаining higher productivity.
The purpose of this research is to focus on the prospects of internet banking in the developing county like Pakistan, to find out what impacts it has put on the banking industry in Pakistan and specifically what are the benefits they have achieved through internet banking. And to what extent people are using internet banking. The focus of the study is to analyze and evaluate the advantages and benefits which are connected to the internet banking.
Why Pakistan Banking Industries
There are many developing countries where the people are still lacking from the benefits of the technologies which are widely used in the developed countries. The people and the organization are well equipped with the technologies and they are fully benefitting from these advancements in the field of science and technologies. I have selected Pakistan because of many reasons. Pakistan is one of the rapidly developing countries in the region of Asia. The Pakistan is now making progress in every field of science. The companies in Pakistan are now implementing latest technologies in their sector. The companies have started benefitting from the advancements in the information technology and so people of Pakistan are getting benefits.
As far as banking sector is concerned, the implementation of IT has brought countless changes in banking field. The transactions and services time has reduced from days to minutes. This improvement has made their customers more satisfied. From last few years almost all major banks have been providing online banking services in Pakistan. But the people in Pakistan are not fully benefiting from online banking.
Muslim Commercial Bank (MCB)
Muslim Commercial Bank (MCB) has now become one of the leading bank in Pakistan. The total assets of the bank cross the range of Pakistani Rs.500 Billion and the deposit base is 368 Billion. This bank has incorporated in 1947 and rapidly it has made its reputation among the people. MCB was nationalized along with other private financial institutes in 1974. The bank now has more than 4 million satisfied customers, over 1000 branches, a nationwide network and more than 450 ATM machines in the market. In the last decade, the bank has concentrated on the growth through improving services quality, investment and effort in the technology and people and enhancing its branches network. Muslim Commercial Bank has been managed by expert people. (http://www.mcb.com.pk/mcb/about_mcb.asp 2010 Accessed on 12/02/10).
Focus of the Research
The aim of the study is to describe and to find out the benefits of online banking in developing countries like Pakistan. In this study, I have selected one of the banks in Pakistan who has recently introduced internet and mobile banking. I shall try to explore the affects of internet banking in the aspects like improved customer services, increased sales, cost savings and enhanced security. My research question is.
"Does internet banking add on benefits of improved customer services, increased sales, cost savings and enhanced security in Muslim Commercial Bank (MCB) banking?
This research will also cover the following questions in order to help better understanding of what an online banking is and what services it provides and the risks involves in internet banking. These questions will help to make my research more understandable and comprehensive
What an online banking is and what services it provides?(Customer Views)
How internet banking improves customer services?
How internet banking helped to increased sales?
How internet banking helps in cost savings?
How internet banking improves security?
The Internet
The general term to define internet is that it is a network of networks and more precisely and technically internet is a global network of interconnected computer networks. It is made up of millions of public, private, business, academic and government networks. The internet runs over the TCP/IP protocol.
The most general and frequent question which is asked about the internet is that who runs internet or who owns internet. The reality is that no single person or company owns or manage internet. As it is a collection of private and public networks, each network owner manages and pays for its network. Each network cooperates together to get the information flow over the internet. However, there are standard of protocols and internet procedures exist on which every internet user and organizations need to agree to participate in this global network (Gralla 1998).
Steve Jobs was the person who has introduced the IPhone in the year of 2007. He is one of the personnel working in the Apple. IPhone was not ordinary invention, the IPhone performs three different types of operations, first it is a device which fulfils the function of IPod, secondly, it is a working mobile phone with a outstanding touch screen interface and last but not least, the IPhone comes with the applications which run on it with the internet. Jobs was the same person who almost decades before announced the invention of the Apple II computer. The Apple II was a revolutionary product at that time. In the duration between the invention of Apple II PC and the IPhone, it shows the state of internet where it has been and now where it is going (Jonathan 2008).
It clearly shows us how internet has been changing its uses from time to time. In the earlier periods of it generation, the internet was just a network to connect different computer with each other. But, nowadays, the internet is not just a network for computers but is has also become the basis of the modern mobile phone applications.
Internet Banking or Online Banking
The term e-banking or internet banking refers to the use of banking services or products provided by the websites of financial institutes over the internet. It allows people to conduct financial transactions or get services by using websites of their providers over the internet. The internet banking lets you sit at home and allows access to your account 24/7. This saves time of the consumers to go to branches and do their work.
Internet Banking gives you the time and space to do the important things. Like running your business. Available when you want it, wherever you happen to be, it puts you in control of your banking (www.bankofscotland.co.uk Accessed on: 23/03/10).
According to the article on (FFIEC Accessed on 23/03/10), Internet banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. E-banking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private network, including the Internet. Customers access e-banking services using an intelligent electronic device, such as a personal computer (PC), personal digital assistant (PDA), automated teller machine (ATM), kiosk, or Touch Tone telephone. While the risks and controls are similar for the various e-banking access channels, this booklet focuses specifically on Internet-based services due to the Internet's widely accessible public network. Accordingly, this booklet begins with a discussion of the two primary types of Internet websites: informational and transactional
2.2.1 Methods of Online Banking
There are three ways to use banking services online.
Internet Based
In this method, you access you account information through your bank's website over the internet.
Bank Software
The bank will provide you the proprietary software to install on your computer. That software will allow you to connect with your bank's computer over the secure network. In this case, you are not using internet to connect to your bank but actually you connect by dialling directly your bank.
Personal Finance Software
the software allows you to connect to your bank by using internet based link and get financial information of your account from your bank. The example of these software are Quicken and Microsoft Money. These software exchange financial information with your bank and help you to do your transactions.
2.2.2 Online Banking Services
The banks who are offering internet banking has made it possible for customers to perform as many tasks online as possible. The internet banking users can perform all types of financial, services and transactional oriented tasks. The customers can do the following tasks almost on every online banking website like to view her balance, statement, account information. The customer can pay her bills, transfer money to other accounts, applying for ` overdraft, credit cards, loans and many more. So the customers have no need to go to branch to fulfil the above tasks.
2.2.3 Growth of Internet Banking
Literature reports that customers are reluctant and indecisive to accept and use the service. It has been reported that only a total of 0.134 million people have ever visited and used the online banking systems (SBP 2006). This figure represents 0.144% of total internet population in Pakistan.
Many factors include competitive cost, customer services, reduction in human resources which come with the advantages of the internet banking. These factors have become the basic reasons for the growth and in the increasing use of internet banking. These factors motivate the banks to evaluate their technologies and assess their electronic commerce and internet banking strategies.
2.2.4 Types of Internet Banking
There are basically three types of internet banking exist nowadays. This include informational banking, communicative banking and third one is transactional banking.
2.2.5 Risks in Internet Banking
As internet banking has brought many facilities and advantages with the evaluation of it. It also comes with some of the risks which should be considered to implement successful internet banking and to get people trust on the organization.
2.3 How Internet Banking Improves Customer Services?
As internet banking brought many changes in the banking sector. One of its aspects is improved customer services. The banks had implemented the online banking to increase their customer base (Ravi 2007). The online banking has come with many ease for the consumers. The customers of internet banking do not have to go out in the branches and to queue up to do their required tasks or to get financial services. With internet banking, consumers can do their financial transactions online on the company's websites with the ease of their home.
2.3.1 Customer Services
The customer service is not just a work you do to handle a transaction in the part of your job but it is actually a management of the relationship with the people who are the important and necessary part of your job. The organizations have now been realized that the customer satisfaction is one of the most important factor in driving their services and products. The organization from the last many decades are now putting more investment into the projects like how they can achieve the maximum level of their customer satisfaction. The outcome of the best customer service is a customer satisfaction. All the services and products which are offered to the customers come with the view to attain customer satisfaction as well as company benefits. According to the Zemki and Woods (1999), the consumer never buy items like products and services according to the product or services output but they rather buy those benefits which come along with those products and services.
2.3.2 Internet Banking and Customer Services
Another area where the banks have identified the differences in their services were regard to quality standards. First of them was the introduction of quality standards in the customer services which was identified and the standards were duly defined. The different types of training programs were introduced on the basis of cascading. The staff and all the management level people were involved in those programs. Secondly, the area which was identified was the continuous improvement an ongoing dialogue was brought in whereby the staff was involved in the discussion of fair treatment and the values at each level of their job which they perform every day. The third and the final identified point was the concentration on bringing new innovation in the field of customer services. In this process, the staff was encouraged to come up with new ideas on how we can brought in new innovations regarding customer services. The organizations in which the groups working on the projects to improve customer services were prove really successful through the introduction of non traditional ways. The examples of those were the introduction of the internet banking and the availability of the account through the teleservices like call centres (Ashton and Sung 2002).
According to the Kaptan (2001), the Rangarajan Committee (1989) report is the first document in the Indian banking industries which has highlighted the fact that computerization must be looked upon as a way to improve customer services.
2.3.3 Internet Banking Improves Customer Services
The applications of the e commerce have brought many changes in the financial industries. The one important factor of using these technologies is the improvement in customer services. Because the customer satisfaction is the important fact which helps grows the number of customers involved in the business. Nowadays many of different type of financial organizations have come up with their new and innovative technologies which are helping in improving customer services. For last many years, they have become the competitors of the banks. The banks than realized that to increase its customer base they need to come up with the new trends and innovations in the traditional banking. To achieve this target they started to work on the projects which were based on the concept that how technology can help them to increase their customer base. This competition among banks and their nonbank institutions become the cause of the introduction of the internet banking. Internet banking has really helped the banks in achieving their targets to improve their customer services objectives (Humphreys 2000).
After the introduction of the internet banking to the customers, the banks have seen huge increment in the their consumer base. The Bank of America had almost two million customers who use online banking by the end of year 2001. And the number of increment was expected to be reached more the five million over the next two years. In the same way, the Citi Group had more than 500,000 online customers which were using internet banking and now definitely have been 4 or 5 time multiple of that figure. The MNB of Finland had more than 1.2 million customers who were using internet banking. However the banks in Arab countries were far much lacking behind than the European banks because of the difference of internet banking (Azzam 2002). The above figures shows the benefits to the banks gained by achieving customer satisfaction through internet banking.
2.4 How Internet Banking helped in increasing Sales?
Online banking has helped the financial institutions to get promoted their products and services. The online banking takes the advantages of the wide coverage of the internet as it is based on it. As online customers of electronic banking use internet banking to perform their regular transactions, it also give chances to customers to view different products or services offered by the bank. This helps the banks to market their products and increase sales.
2.4.1 Electronic Commerce
The word commerce stands in the meanings of doing business and the electronic means the digital media so the definition of electronic commerce or also known as e commerce is the doing business on the digital media. The e commerce businesses use websites as the base for doing business. As internet is the basic element of the e commerce so therefore the scope of e commerce business is as wide as the coverage of the internet.
According to the (Schneider 2009), All the companies are simply interested in the e commerce because it is one of the option to increase sales. All the benefits of the electronic commerce can be summarized in one statement which is electronic commerce increases sales and decreases cost in the businesses.
2.4.2 Online Banking Increases Sales
The implementation of electronic banking in an organization has affected many financial aspects. One of the aspect includes is the increased in sales. The online marketing has helped in this regard to attract more customers to use online banking to perform their required tasks. Now the customers are more attracted to those banks and financial who offer online services. For the few countries that currently measure the value of electronic sales, the total sales caused by internet ranged between 0.4 % and 1.8 % of the total sales (OECD 2002).
Another example of increased in sales because of the internet banking is the First National Bank & Trust of Pipestone who have gained around $ 2million increased in sales just over the internet by the 1997 (Keyes 2000).
2.5 How Internet Banking helps in reduced Costs?
One of the major benefits which gained from the implementation of internet banking is the reduction in costs. The website of the bank which offers internet banking facilities act like a internet branch. The development of the internet branch means that it is responsive to the customer's demands and requests. The customers can perform their banking tasks online on the websites provided by the financial institutions.
An example of a financial institution in the following paragraph shows that how they have increased their assets by implementing internet branches. The First National Bank & Trust of Pipestone, a $147-million institution in rural Minnesota offered internet banking in December, 1996. They have grown up their assets by implementing the online branches rather than buying new building to help their consumers in the specific location. The First National Bank & Trust of Pipestone reported that by the help of internet banking branches they have earned $ 5 million through their websites (Keyes 2000).
New technologies are nowadays are being implemented to gain benefits from the new development in technology. The development in technologies in collecting the data, processing it, storing the data and transforming the data are the aspects in financial sector which are influencing its activities. According to the World Bank (2004), technology can reduce costs by replacing computer with paper based and labour intensive methods of accounting for customer deposits, withdrawal and the other transactions which customers are allowed to do. The Automated Teller Machines (ATM), telephones banking and the online banking therefore can reduce costs in the financial institution.
The internet banking has got attraction and become more famous since 1990s. The banks and the other financial institutions and insurance companies starting to put more focus on the benefits of the latest technologies. The banks started to implement the internet technology as an innovative payment methods and as a way to reduce costs (Anderloni et all, 2009).
As the retail and corporate banks have moved successfully their services from traditional branches network system to centralized online banking and the call centres based on telephones. The costs have been reduced significantly because of the implementation of the new technologies. The cost of average transaction which is done in the branch costs to a bank about £10 which has been reduced to just £0.02 pence when it is done on the phone banking or online (Roger et all, 1999). That is a huge difference between the costs of carrying out transactions which banks and other financial institutions are now been getting.
2.6 What are the aspects of Security in Internet Banking?
The security over the internet has always been an important factor. The internet banking helped the customers to do more safe transactions over the internet. The customers of the internet banking do not need to use, for example, debit card everywhere to do financial transactions. The customers can pay their utility bills online on their banks websites. Their information of the account is more secure on the internet as they do not have to share their account information everywhere.
Methodology is essentially the way in which the research will be undertaken. It includes which methods will be employed for data collection, what kind of data will be collected and a valid explanation of how the approach will correctly give an answer to the research questions. (Cameran, 2005)
The methodology of the present research project is influenced and structured according to the research process 'onion', which was developed and introduced by Saunders et al. (2003). In this respect the 'Research Methodology' section of this project is divided into five sub-topics, each of which aims to provide a detailed explanation of the research process.
According to the Saunders et al.,(2003) research process onion, this chapter will acknowledge about the flow and direction of the research project. In the beginning, it will discuss that which Philosophy is going to be use and provide the reason of using this philosophy. After discussing the philosophy it will provide the knowledge that which Approach will suits best to this research project. One of the approaches from, Inductive and Deductive is going to be use in this project.
In the next step, it will pursue with the reasoning of using the suitable Strategy for this research. It will help to determine the direction of the research project. Time horizon has its own importance in any research topic. In the end, it will describe that, how Data is going to be collect for answering the question of this research topic.
3.1 Research Philosophy:
Knowledge is a complex phenomenon influenced and developed by various contextual variables. In this respect, a research philosophy represents a researcher's perception of the way knowledge is constructed (Saunders et al., 2003).
The term research philosophy relates to the development of knowledge and the nature of that knowledge, it contains some important assumption about the way in which you view the world (Saunders et al., 2007, p.121)
There are three views about the research process dominates the literature; philosophies of positivism, interpretivism and realism. Each of these philosophies provides a unique view on the way knowledge is developed. It is important for a research process to clearly establish its research philosophy as it has a significant impact on the methodological framework applied.
For example, positivism applies scientific reasoning and law-like generalisations in the process of knowledge construction (Remenyi et al., 1998). The research methodology influenced by this philosophy is characterised with a highly transparent structure to facilitate replication (Gill and Johnson, 1997). On the other hand, the research philosophy of realism identifies the existence of a number of external social objectives, which influence people's interactions and respectively the creation of knowledge. Realism can be recognised to be close to the philosophy of positivism but at the same time possesses clearly distinctive characteristics as the philosophy highlights the inappropriateness of exploring people's interactions in the style of natural science (Saunders et al., 2003).
3.1.1 Interpretisism
According to Oates, B (2006, 292) Interpretivism is understanding the social context of an information system; the social processes by which it is developed and construed by people and through which it influences, and is influenced by, its social settings.
The philosophy, which is used in the context of the present research project, is the research philosophy of Interpretivism. Interpretivism is chosen to be the philosophical framework of the study, as the researcher believes that knowledge is a complex phenomenon, which cannot be generalised in a value-free and detached manner. Furthermore, the researcher focuses on exploring the topic by the application of critical interpretations and gradually establishing research conclusions (Remenyi et al., 1998).
3.2 Research Approach
The study of literature about research approaches outlines two distinctive research approaches, which can be used in the present research project - deductive and inductive. A deductive research approach is suggested to be suitable for scientific research, where the researcher develops a hypothesis, which is tested and examined to establish a theory.
(Hussey and Hussey, 1997)
3.2.1 Inductive Approach
In the present perspective, as the researcher aims to gradually formulate the research theory through the critical evaluation of the research variables, and as the inductive research approach follows research data to construct theory, therefore it can be suggested that the present research approach is inductive. Furthermore, the inductive research approach, which provides greater flexibility, provides the researcher with the opportunity to modify the research emphasis depending on the accumulated findings throughout the research process (Easterby-Smith et al., 2002).
3.3 Research Strategy
A research strategy can be described as the tool or tools the researcher utilizes for deal with the research question. There are six research strategies, which can be identified after studying the literature, such as: Experiment; Survey; Grounded Theory; Ethnography; Action Research and Case Study (Saunders et al., 2003).
3.3.1 Grounded Theory
This research project employs the research strategy of Grounded Theory. The researcher mainly concentrates on extracting knowledge through research in the phenomenological literature. The present research strategy, Grounded Theory, is suitable as it is expressed in the literature to be suitable for inductive reasoning or in other words, applicable to research contexts which aim to gradually establish research assumptions and propositions.
(Husey and Husey, 1997)
Although the present research project is essentially influenced by the research strategy of Grounded Theory, the researcher afterwards uses a primary research strategy of in-depth interviews or questionnaire to collect data.
3.4 Time Horizon
Time Horizon is one of the important characteristic of this research project. After studying the literature about Time Horizon, it can be recognised that there are two, Time Horizon for any research topic - Longitudinal and Cross-Sectional. According to Saunders et al., (2003; 96) a Cross-Sectional research process examines a particular phenomenon (or phenomena) at a particular time. Cross-Sectional studies often employ the survey strategy.
(Easterby-Smith et al., 2002; Robson, 2002 cited by Saunders et al., 2003; 96)
3.4.1 Longitudinal Studies
The present research work has a Longitudinal Time Horizon, as it is recognised to be appropriate to the research aim and the researcher's resources. A longitudinal research process examines particular phenomenon over a given period of time (Saunders et al., 2003; 96). In Longitudinal Studies the basic question is, 'Has there been any change over a period of time?' (Bouma and Atkinson, 1995; 114 cited by Saunders et al., 2003; 96). This question is the main stream of this research project.
3.5 Data Collection
As researcher has not found sufficient relevant document, so data collection become the main issue for the researcher. So, the present research process can be described as an exploratory one as well. It aims to reveal new insight and evaluate the researched phenomena in a new light. Furthermore, the research has a flexible approach to establishing its theoretical propositions, which does not mean that the research lacks clear direction and framework.
(Adams and Schvaneveldt, 1991)
3.5.1 Secondary Data
Information that already exists somewhere, having been collected for another purpose, using for personal purpose.
(Wong V et al., 2008:334)
The secondary data employed can be described as multiple source secondary data. Multiple source secondary data can be divided into two categories - area based, which comprises of academic sources and time series based, which focuses of commercial issues.
(Saunders et al., 2003)
3.5.2 Primary Data
Information collected for specific purpose at hand (personally).
(Wong V et al., 2008:334)
The present research project incorporates a multi-method research process, where the researcher combines secondary and primary data in the same study. This strategy is chosen as the researcher believes that both methods are significantly dependable on each other in the present research circumstance, and that secondary data provides solid theoretical foundation, whereas primary data contributes to the researcher's ability to address the most important issues in the present context (Robson, 2002).
The primary data is extracted through the conduction of in-depth interviews and questionnaire. The collection of primary data will be done in a formal way wherein the target people from bank and customers will be contacted and briefed about the information required from them. A prior appointment shall be taken from each person as per their convenience for an interview considering their preference over telephonic interview. The questionnaires will be sent across by email/post as per the requirement.
220.127.116.11 In-Depth Interviewing
In-depth interviews, also known as unstructured interviews. It is used to explore in depth a general area in which you are interested, therefore, it is called as in-depth interview. There is no predetermined list of questions to work through in this situation, although you need to have a clear idea about the aspect or aspects about that you want to explore. The interviewee is given the opportunity to talk freely about events, behaviour and beliefs in relation to the topic area, so that this type of interaction is sometimes called non-directive. It has been labelled as an informant since it is interviewee's perceptions that guide the conduct of the interview. In comparison, a respondent interview is one where the interviewer directs the interview and the interviewee responds to the questions of the researcher.
(Easterby-Smith et al., 2002; Ghauri and Gronhaug, 2005; Healey and Rawlinson, 1994; Robson, 2002)
Furthermore, in-depth interviews provide greater flexibility as they can be conducted both face-to-face and over a telephone, which is recognised not to affect the interview outcomes differently (Ghauri and Gronhaung, 2002). Â This is why in-depth interviews are a common data collection method in research projects.
188.8.131.52 Questionnaire
Questionnaire includes all techniques of data collection in which each person is asked to respond to the same set of questions in a predetermined order.
(Devaus 2002 cited by Saunders, M et al., 2009; 360)
Most types of questionnaire contain open and closed questions. Open questions, sometimes referred to as open-ended questions (Dillman D 2007 cited by Saunders, M et al., 2009; 374), allow respondents to give answers in their own way (Flink 2003a cited by Saunders, M et al., 2009; 374). Where closed questions, sometimes referred to as closed-ended question (Dillman D 2007 cited by Saunders, M et al., 2009; 374), or forced-choice questions (Devaus 2002 cited by Saunders, M et al., 2009; 374), provide a number of alternative answers from which respondents have to choose.
3.5.3 Sampling:
Sampling is the technique applied in primary research for facilitating the researcher in choosing the most appropriate and relevant amount of data for the particular exploration.
(Saunders M et al., 2003)
This technique contributes to the researcher's aim of identifying and exploring in-depth the key themes in a homogeneous environment, which in the present case is represented by the sample of visitors of MCB. The researcher chooses 10 customers, who are using internet banking of MCB and 10 employees of the bank to get the data necessary to conduct the research.
3.5.4 Data Analysis:
There are two ways of analyzing the qualitative data, content analysis and grounded analysis. The data collected by the interviews will be analyzed using the content analyzing. The data generated by the questionnaires will be analyzed by describing ranges of response and categorizing the responses and placing them under the respective range. All the gathered data will be then reviewed for the similarities and differences and finally specific conclusions will be made using multivariate or regression analysis.
Anderloni L., Llewellyn D.T., Schmidt R.H., (2009), Financial Innovation in Retail and Corporate Banking, Edward Elgar Publishing Ltd.
Ashton D. N., Sung J., (2002), Supporting Workplace Learning for High Performance Working, Page 36, International Labour Office
Azzam H.T., (2002), The Arab World Facing the Challenge of New Millennium, Page 88, I.B. Tauris & Co Ltd
Bank of Scotland (2010), Internet Banking Accessed on 23/03/10 Verified on: http://www.bankofscotlandbusiness.co.uk/general/internet_banking.asp
Cameran S. (2005), The MBA Handbook: Skills for mastering management, Prentice Hall, 5th Edition. England.
Creswell, J. W. (2003), Research Design: Qualitative, Quantitative, and Mixed Method Approaches, SAGE Publications, Second Edition.
Federal Financial Institution Examination Council (FFIEC) (2010), Internet Banking Accessed on: 23/03/10 Verified on: http://www.ffiec.gov/ffiecinfobase/booklets/e_banking/ebanking_00_intro_def.html.
Gralla P., (1998), How the Internet Works, QUE, 4th Edition
Humphreys K., (2000), Internet Management, Page 175, CRC Press
Kaptan S. S., (2001), New Concepts in Banking, 1st Edition, Sarup & Sons
Keyes J. (2000) Internet Management.
Infolitics (2010) Research Methodologies (Accessed on : 13/01/10) Verified on: http://www.infolitics.com/images/br3.gif
Jonathan Z., (2008), The Future of the Internet- and How to Stop it, Caravan Books
Libs (2010) Research Methodologies (Access on: 13/01/10) Verified on: http://www.libs.uga.edu
http://beeer.me/~mengzhu/impact.html 19/01/10
http://ezinearticles.com/?Advantages-of-Internet-Banking&id=273438 19/01/10
OECD Information Technology Outlook 2002.
Roger J. Y., Smith B. S., Kidd P.T., (1999), Business and Work in the Information Society: New Technologies and the Applications, IOS Press
Saunders, M. & Lewis P. & Thornhill A. (2007), Research methods for business students, Pearson Education
State Bank of Pakistan (2010) Online Banking (Accessed on 19/01/10) Verified on: http://www.sbp.org.pk/.
Muslim Commercial Bank (2010) About US (Accessed on: 12/02/10) Verified on http://www.mcb.com.pk/mcb/about_mcb.asp
Muslim Commercial Bank (2010) Virtual Banking (Accessed on : 18/01/10) Verified on http://www.mcb.com.pk/virtual_banking/
Schneider G.P., (2009), Electronic Commerce, 8th edition
SCN Education B.V (2001), Electronic Banking: the ultimate guide to business and technology of online banking, 1st Edition
Ravi V. (2007) Advances in Banking Technology and Management: Impacts of ICT and CRM.
The World Bank, (2004), Brazil: Euitable, Competitive, Sustainable, Contribution for Debate
Zemki R., Woods J.A., (1999), The Best Practices in Customer Service, HRD Press


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The Church, Women Bishops and ProvisionThe Church, Women Bishops and Provision: The Integrity of Orthodox Objections to the Proposed Legislation Allowing Women Bishops. Why, since the... Being FaithfulBeing Faithful: The Shape of Historic Anglicanism Today by The Theological Work Group of GAFCON. A Commentary on the Jerusalem Declaration... Re-establishing the Christian FaithRe-establishing the Christian Faith - and the public theology deficit By David Holloway "The Puritans agreed that Jesus Christ is Lord of the... The Faith We ConfessThe Faith We Confess: An Exposition of the 39 Articles by Gerald Bray. The Thirty-Nine Articles of Religion are one of the three historic... Evangelical Anglican IdentityEvangelical Anglican Identity: The Connection Between Bible, Gospel & Church by N T Wright. This book builds upon J I Packer's study,... To Plough or to PreachTo Plough or to Preach: Mission Strategies in New Zealand during the 1820s by Malcolm Falloon. 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24-year-old motorcyclist dies in traffic crash
WESTMINSTER – A motorcyclist from Garden Grove was killed Wednesday morning in an accident on the westbound 22 freeway.
The crash, which caused a major backup, was reported about 5:50 a.m. at Beach Boulevard, the California Highway Patrol said. Lanes cleared up more than two hours later about 8:20 a.m.
Orange County Coroner's Office officials Wednesday evening identified the man as Steven Nguyen, 24.
CHP officer Ray Payton said Nguyen was riding a 2006 Honda motorcycle at a high speed just west of Beach Boulevard when, for unknown reasons, he collided with the side of a Ford F150.
The crash sent Nguyen to the left, where he struck a Lincoln Town Car, Payton said.
Nguyen was then thrown into the roadway and was pronounced dead at the scene, Payton added.
The crash is under investigation.
Staff writer Sean Emery contributed to this report.
Contact the writer: firstname.lastname@example.com or 714-704-3795
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Considering it's color, you just might. I'm not hating on the guy, if that's what people think, but there are certain parts of design so strongly put together by a few designers, that you just cant do the same without people making the comparison.
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List of A20 roads
From Wikipedia, the free encyclopedia
(Redirected from A20 road)
This is a list of roads designated A20. Roads entries are sorted in the countries alphabetical order.
- A20 road (Australia) may refer to:
- Sturt Highway, a road in South Australia & New South Wales
- Gawler bypass road, a road in South Australia
- Main North Road, Adelaide, a road in South Australia
- A20 road (Canada) may refer to :
- A20 expressway (Quebec), a road connecting Montreal and Quebec City
- A20 motorway (France), a road connecting Vierzon, Cher and Montauban, Tarn-et-Garonne
- A 20 motorway (Germany), a road connecting Schleswig-Holstein, Mecklenburg-Vorpommern and Brandenburg
- A20 motorway (Italy), a road connecting Messina and Palermo
- A20 motorway (Netherlands), a road connecting the N213 road and the A12 motorway
- A20 road (People's Republic of China) may refer to :
- A20 expressway (Shanghai), the former name of the S20 expressway, a ring expressway around Shanghai often known as the Outer Ring Road
- A 20 road (Sri Lanka), a road connecting Anuradhapura and Rambewa
- A20 road (United Kingdom) may refer to :
- A20 road (England), a road connecting London and Dover, Kent
- A20 road (Isle of Man), a road connecting Peel and the A3
- A20 road (Northern Ireland), a road connecting Belfast and Portaferry, County Down
- A20 road (United States of America) may refer to :
- A20 road (California), a road connecting SR 89 and CR A19
See also[edit]
This article includes a list of roads, streets, highways, or other routes that are associated with the same title. If an internal link led you here, you may wish to change the link to point directly to the intended article. |


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