Michael Jordan Essays (991 words) - Chicago Bulls,

Michael Jordan Michael Jordan was one of five children born to James and Delores Jordan. He was born February 17, 1963 in Brooklyn. His parents felt that the streets of Brooklyn were unsafe to raise a young family. So instead of trying to endure the streets of Brooklyn, the Jordan family moved to Wilmington, North Carolina. Michael's father, James, got a job in Wilmington as a mechanic and his mother Delores got a job as a teller at United Carolina Bank. Michael always had an eye for baseball. He played as an outfielder and as a pitcher. When he was twelve, he was the top player in his league. By the age of fifteen, he wasn't the star in baseball as he once was. He was still very good, but he had lost some of his focus. Later, in his high school career, he dropped baseball to pursue another interest. Soon Michael adopted the game of basketball. When Michael reached the ninth grade, he tried out for the basketball team. Coach Lynch, Michael's coach, cut Michael, which in turn may have made the best player alive today. Michael then took practicing basketball to another level. He played his brother Larry whenever he could. Michael never expected what would come in the near future. Michael Jordan went to the University of North Carolina as a basketball recruit. Even though Jordan at 6'5" was a man with potential, he still studied very hard in an attempt to get a good education, while competing in sports. Mike wasn't expected to be a star of the Tar Heels, since they had players such as James Worthy, Sam Perkins, and Al Wood. But, by the end of the 1981-82 season, Jordan, as a freshman, was an everyday starter. Carolina reached the Final Four with the help of Jordan, who had sixteen points and led the team with nine rebounds. In the final twenty seconds, Michael made a title winning shot from the left baseline. In Michael's sophomore and junior seasons, he was voted College Basketball's Player of the Year. Through Michael's three years at Carolina, he average 17.7 points per game, while maintaining a "B" average. After a great college career, the Chicago Bulls as the third pick of the 1984-85 season drafted Michael. Michael made a huge impact in the NBA (National Basketball Association). He made such an impact that he was selected to be an alternate on the Eastern Division all-star squad. With Michael's growing success in the NBA, more and more companies wanted to use the "Air Jordan" name. One of the first companies to use his name was Nike. Nike paid Michael $2.5 million, so they could begin a line of shoes known as "Air Jordan's "During the 1987-88 season, Jordan raised his game to another level. The Bulls' status was also raised to another level with the additions of Scottie Pippen and Horace Grant. Michael was having another great season and this was evidenced when he started on the Eastern Division all-star squad."(Website) He then finished the season, leading the Bulls in scoring for 81 games out of the 82 game season. For his efforts, Jordan was selected as the Most Valuable Player and as Defensive Player of the Year. Throughout the rest of the few years Chicago went on a rampage. They had received the best records in history, and with the help of Michael they went on to win three NBA championships. Michael Jordan announced after winning his third consecutive NBA championship that he was stepping down from the game he loved. He said that he was tired of the pressures. Some people believe that Jordan's gambling debts caused Jordan to quit. Others believe that the slaying of his father, which happened on August 15, 1993, caused Jordan to quit. There is one final theory that Michael wanted to pursue one of his childhood dreams, professional baseball. Michael Jordan announced that he would pursue his dream of playing baseball. Jordan joined the Chicago White Sox organization. The White Sox gave Jordan a tryout and then decided that he would be best playing with the Birmingham Barons. When Mike hit his first home run on July 30,he pointed to the sky honoring his father. However, Jordan struggled in baseball, with a

Command of Evidence 3 Key SAT Writing Strategies

Command of Evidence 3 Key SAT Writing Strategies SAT / ACT Prep Online Guides and Tips Questions that fall under the umbrella of the Command of Evidence SAT subscore appear on both the Reading and Writing sections of the SAT.This article will focus exclusively on Command of Evidence questions in the Writing section, including examples from practice tests, answer explanations, and test-taking tips that are specific to these types of questions.Head over to this article instead if you're looking for a detailed discussion of Command of Evidence questions in the Reading section. What Are Command of Evidence Questions? What Do They Test? Command of Evidence is one of the new subscores on the SAT.There are 18 total Command of Evidence questions on the test (Reading and Writing together), eight of which will appear on the Writing section.Your raw score out of 18 will be translated into a final subscore out of 15. Command of Evidence questions on the Writing section ask you to improve the ways passages develop information and ideas.You might choose an answer that sharpens an argumentative claim or adds a relevant supporting detail.The three types of Command of Evidence questions that exist in the Writing section are the following (names of categories were provided by me, not the College Board): Type 1: Setting the Stage - Choose the right piece of evidence to include in the passage to set up the information the author presents later. Type 2: Logical Additions - Decide whether the author should add a given sentence to the passage strengthen the argument (and why or why not) or choose the best sentence to add out of four possibilities. Type 3: Data Descriptions - Choose the best way to phrase the passage so that it accurately reflects the data provided. In the next section, I’ll take you through example questions from each of these categories so you can see exactly how to answer them on the test. Examples of Command of Evidence Questions on Writing In this section, I'll provide real examples and answer explanations for all three categories of Command of Evidence questions. Type 1: Setting the Stage Here’s an example of the first type of question. You’re asked to choose the phrase that most effectively introduces information in the passage: We have to decide whether the information flows well with the current phrasing or if â€Å"leading the way† should be replaced with one of the other three phrases to make things clearer.Choice B, â€Å"being cleaned and restored,† doesn’t quite fit because it relates to the information before that sentence, not the information that follows in the rest of the paragraph.It’s also superfluous because the author already stated that artists have been cleaning and restoring the murals. It can be inferred that â€Å"America Tropical† is included in this. Choice C, â€Å"at risk of destruction,† is also incorrect because the rest of the paragraph mentions nothing about the mural being at risk of destruction.It’s just talking about the mural's new status as a tourist attraction.This is an irrelevant answer based on the evidence. Choice D, â€Å"awaiting its moment of appreciation,† almost fits, but it’s still wrong.The mural isn’t AWAITING its moment of appreciation based on the last two sentences. It’s already being appreciated as a major tourist attraction. Choice A, NO CHANGE, is the only answer that makes sense.The paragraph goes on to support the claim that the mural is â€Å"leading the way† by discussing its status as the first restored mural to become a prominent tourist destination and inspiration for cultural preservation. Final Answer: A Another dope painting by Siqueiros (El Museo Nacional de Arte,used under CC by 2.0) Type 2: Logical Additions For this question type, you have to decide whether the author should include a sentence in the passage to reinforce his or her point OR decide which sentence out would make the most sense in the passage.I’ll give two question examples in this case because there are two different formats that you’ll see for this type of question.Here’s the first one (using the same part of the passage that we looked at in the last subsection): This question requires a little more context to find the right answer.First, read the passage with the suggested sentence inserted to get a sense of whether or not it should be included (I’ll wait).When you add the sentence, it feels like an inappropriate interruption that diverts attention from the main focus of the paragraph. It seems repetitive given that we already know the mural is considered a "powerful work."This narrows our options down to the two â€Å"no† answers, C and D. Is the information in the sentence already given earlier in the passage? Looking back, you can see that it was (this question comes from new SAT sample practice test four if you want to read the whole passage), so C is a possibility.What about D? Well, if the information was in the passage at one point, then the claim IS supported by the passage, so D has to be wrong. Final Answer: C Here’s another example of the same type of question formatted slightly differently: This time, we have to pick the best sentence out of four choices to insert into the paragraph.As it says in the question, we're looking for the sentence that best supports the author’s claim that there’s nothing wrong with nonorganic food. Choice A has nothing to do with the author’s point, and, in fact, could serve as part of a counterargument (organic foods are more tightly regulated, so they’re safer for consumers!).We can rule out this one. Choice B could also be a part of a counterargument - organic food is regulated to eliminate artificial ingredients! That's not helping the author’s case.Get rid of choice B too. Choice C makes sense because it explains how the already small risks associated with ingesting pesticides can easily be eliminated just by washing or peeling nonorganic fruits and vegetables before eating them.This takes the author’s argument further and reinforces the main point of the paragraph. Choice D is incorrect because it’s talking about the widespread use of pesticides,and the author is looking to deemphasize the impact of pesticide use.This answer can be eliminated, and we’re left with Choice C! Final Answer: C Organic food successfully tapped into the flourishing market of suburbanites trying to one-up each other based on ultimately meaningless lifestyle choices. Type 3: Data Descriptions The final type of evidence question on the Writing section will ask you to look at data and make sure it lines up with the information in the passage.Here’s an example: This question is simple if you read carefully, but it’s easy to get confused if you’re rushing.I actually read the passage incorrectly at first and thought the answer key had made a mistake! This question is careless mistake central. Let’s look at the choices.In the original version of the passage, the descriptions of where each term is used do not correspond to the information on the map.The passage says that â€Å"soda† is the term most commonly used in the middle and western regions of the US while the map shows that â€Å"pop† is most common in these regions.The first term in the passage should be â€Å"pop† if all the other information is kept the same, so the answer is either B or C.The original passage goes on to say that â€Å"pop† is most common in southern states, which we know to be false.According to the map, it’s actually â€Å"coke.†The only answer that starts with â€Å"pop† and â€Å"coke† is choice C, so that’s the one we want! Final Answer: C What do you call this stuff? If you answered "fizz juice," you'll never belong anywhere. Tips for Answering Command of Evidence Questions on SAT Writing Here are a few key Command of Evidence tips for when you come across these types of questions in the Writing section. Tip #1: Plug in the Answer If you’re given several different options for the appropriate phrase to insert, start reading one or two sentences before the question number shows up in the paragraph.Read through that part of the paragraph in its modified form, and then continue reading for a sentence or two afterward to see if it really makes sense in the flow of the passage (and based on the facts presented in the paragraph). Command of evidence questions never take place in a vacuum, so it’s critical to read the surrounding text to make sure you have the right answer.Plugging in the potential answer and reading it through carefully is the best way to assess the viability of your choice. Tip #2: Find Direct Support The whole point of these questions is to test your ability to pick out answers that make the most sense based on the information in the passage.For every choice you make, you should be able to find part of the passage (or figure) that directly supports your answer.This is a good way to double-check that you didn’t make any unfounded assumptions (or reading mistakes) to arrive at your answer. Tip #3: Read Carefully The Writing section requires strict attention to detail, so try not to rush, and double-check your answers by reading them over again in the context of the passage.Pay attention to the tone and flow of the passage as a whole.There are a few questions where you’ll need to refer to evidence earlier in the passage to confirm your answers, like the question we did in the Logical Additions category. The sentence didn’t make sense because it repeated information that was already stated earlier in the passage. Working methodically on these questions will prevent you from missing out on details or switching parts of the question around by accident.If you come across a data interpretation question, you should be completely sure of what the graph or chart is telling you before answering the question.Some of the SAT's data representations are more nuanced than you might expect. You must become one with the data. It's the only way. Conclusion Command of Evidence is a subscore category on the SAT that spans across the Reading and Writing sections. Command of Evidence questions show up in the Writing section of the SAT in several different forms. The three varieties I've identified are: Setting the Stage (questions that ask you to choose the best phrase to insert to make information flow logically) Logical Additions (questions where you have to decide whether it makes sense to add something to the passage or not) Data Descriptions (questions that refer to charts or graphs and ask you to ensure that the information in the passage matches up with the data provided) A few tips for answering these types of questions are: Tip #1: Plug in the Answer Tip #2: Find Direct Support Tip #3: Read the Passage Carefully For Command of Evidence questions, finding the right answer is all about attention to detail and strong reading comprehension skills. Be sure to practice reading passages and paying attention to context so you can make the correct choices based on the evidence at hand. What's Next? If you're looking for more ways to improve your performance, check out our list of five key strategies that will help you excel on the Writing section. You can also use this article to review the most important grammar rules for the SAT Writing section. Speaking of writing, are you taking the SAT with the essay section? Learn more about how to get an awesome essay score. Want to improve your SAT score by 160 points? Check out our best-in-class online SAT prep program. We guarantee your money back if you don't improve your SAT score by 160 points or more. Our program is entirely online, and it customizes what you study to your strengths and weaknesses. If you liked this Writing and grammar lesson, you'll love our program.Along with more detailed lessons, you'll get thousands ofpractice problems organized by individual skills so you learn most effectively. We'll also give you a step-by-step program to follow so you'll never be confused about what to study next. 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How to Find the Inner and Outer Fences

How to Find the Inner and Outer Fences One feature of a data set that is important to determine is if it contains any outliers. Outliers are intuitively thought of as values in our set of data that differ greatly from a majority of the rest of the data. Of course, this understanding of outliers is ambiguous. To be considered as an outlier, how much should the value deviate from the rest of the data? Is what one researcher calls an outlier going to match with another’s? In order to provide some consistency and a quantitative measure for the determination of outliers, we use inner and outer fences. To find the inner and outer fences of a set of data, we first need a few other descriptive statistics. We will begin by calculating quartiles. This will lead to the interquartile range. Finally, with these calculations behind us, we will be able to determine the inner and outer fences. Quartiles The first and third quartiles are part of the five number summary of any set of quantitative data. We begin by finding the median or the midway point of the data after all of the values are listed in ascending order. The values less than the median corresponding to roughly half of the data. We find the median of this half of the data set, and this is the first quartile. In a similar way, we now consider the upper half of the data set. If we find the median for this half of the data, then we have the third quartiles. These quartiles get their name from the fact that they split the data set into four equal sized portions, or quarters. So in other words, roughly 25% of all of the data values are less than the first quartile. In a similar way, approximately 75% of the data values are less than the third quartile. Interquartile Range We next need to find the interquartile range (IQR). This is easier to calculate than the first quartile q1 and the third quartile q3. All that we need to do is to take the difference of these two quartiles. This gives us the formula: IQR Q3 - Q1 The IQR tells us how spread out the middle half of our data set is. Find the Inner Fences We can now find the inner fences. We start with the IQR and multiply this number by 1.5. We then subtract this number from the first quartile. We also add this number to the third quartile. These two numbers form our inner fence. Find the Outer Fences For the outer fences, we start with the IQR and multiply this number by 3. We then subtract this number from the first quartile and add it to the third quartile. These two numbers are our outer fences. Detecting Outliers The detection of outliers now becomes as easy as determining where the data values lie in reference to our inner and outer fences. If a single data value is more extreme than either of our outer fences, then this is an outlier and is sometimes referred to as a strong outlier. If our data value is between a corresponding inner and outer fence, then this value is a suspected outlier or a mild outlier. We will see how this works with the example below. Example Suppose that we have calculated the first and third quartile of our data, and have found these values to the 50 and 60, respectively. The interquartile range IQR 60 – 50 10. Next, we see that 1.5 x IQR 15. This means that the inner fences are at 50 – 15 35 and 60 15 75. This is 1.5 x IQR less than the first quartile, and more than the third quartile. We now calculate 3 x IQR and see that this is 3 x 10 30. The outer fences are 3 x IQR more extreme that the first and third quartiles. This means that the outer fences are 50 - 30 20 and 60 30 90. Any data values that are less than 20 or greater than 90, are considered outliers. Any data values that are between 29 and 35 or between 75 and 90 are suspected outliers.

Amazon.com Essay Example | Topics and Well Written Essays - 750 words

Amazon.com - Essay Example These e-commerce marketplaces have certain features which enables shoppers to be present in a virtual world where they can shop items of their choice and purchase them within a few presses in the keyboard and have it delivered to their doorsteps. There are hundreds of online marketplaces existing as of this very moment. Each having their unique feat which would attract more shoppers, buyers and even sellers. The most famous shopping sites today are Amazon, Yahoo! Shopping, EBay, and the like. For one instance, Amazon.com, a huge internet company has this certain Amazon affiliate program wherein site-owners from simple blogs to a complex network of site management, can participate in promoting and advertising the shopping site. In the certain program, the incentives that will be given to the affiliates can receive up to 10% from referral alone (Amazon.com, 2007). Aside from the famous Amazon site, there is also EBay, Yahoo Shopping and other affiliates wherein online shoppers can purchase all sorts of things from accessories to appliances, all in one big marketplace. What is good about these online marketplaces is that customers will feel an easier way of shopping and purchasing goods. Also, there is privacy between the seller and the buyer because transactions can happen through private messages. The business-to-business (B2B) electronic commerce (SMU-Cox, 2005) featured in these markets makes it more hunted by prospect buyers and sellers. Aside from these online markets, the introduction of shopping carts is also a big innovation in the online business world. Shopping carts are virtual representation of a real shopping cart wherein the buyer can place his or her selected items so that after shopping, the purchase and payment method would be easy and systematic. These shopping carts may be installed on the company/ site or may be used through a software in which the shopper can shop from several online stores and marketplaces instead of

Internet Protocol Security (IPsec) Research Paper

Internet Protocol Security (IPsec) - Research Paper Example In order to ensure security of information over the Internet various security technologies have been proposed that usually work on the higher layers of the OSI model and provide security in terms of authentication, confidentiality, integrity and availability. IPSec is one such security technology that operates on the IP layer and provides confidentiality, integrity and authentication. As it operates at the IP layer, its implementation provides security in the higher layers as well. And its implementation is such that the existing setup of Internet does not have to be changed in order to implement it. This report presents an overview of the IPSec technology. It discusses the general architecture of the technology, briefly covering its technical details and its operation modes. Furthermore the report discusses how IPSec can be integrated into the existing Internet setup. 1. Introduction The security of information is defined by four attributes; confidentiality, integrity, privacy and a vailability (Adeyinka, 2008). In the past, when computers were not that common a commodity let alone the Internet, virtual private networks were formed through installation of dedicated leased lines between the hosts e.g. networking of remote offices (Liska, 2003). Figure 1 Dedicated Leased Lines VPN Since these lease lines were private the information sent or retrieved remained within the related parties and so the communication was fast and secure. Thus private networks were formed. But the setup was costly and very few companies could afford it. Later on, in order to accommodate the mobile users, the companies installed dedicated remote dial-in servers (Remote Access Servers) that had modem(s) each connected to a separate dedicated phone line (Liska, 2003). Figure 2 Dial-up VPN Although the networking was achieved, yet the effort was not that useful as the speed of these networks was very slow. With the advent of the Internet and its global web servers that provided larger and ea sier access worldwide, the use of leased lines became an expensive burden and remained limited to very few resourceful companies. In view to the easy access to worldwide communication granted by the Internet, the element of security somewhat lost its significance and every other school, office, company and business sought out to be connected through the Internet. The instances of some serious cyber crimes (â€Å"Cyber Crime Stories†) led to the realization that the Internet is not at all secure. Being a public medium, the information sent across the Internet in the form of data packets passes through various networks until they reach their intended destination. Since the Internet protocol (IP) offers no built-in security, this plain text data in the IP datagram cannot be prevented from unauthorized access from the public network. Any third party can easily inspect, even modify or generate false data and compromise system security. For instance the passwords that are sent can be tracked and looked into (packet-sniffing), IP packets

Constraints to Islamic finance growth

Constraints to Islamic finance growth Contents INTRODUTION: The global financial system: Facing the challenge: Reaching critical mass: THE REGULATORY CHALLENGE: Malaysia as case of study: CONCLUSION: Reference INTRODUTION: The Islamic financial industry today is an important component of the global financial world, the total Islamic assets ballooned from US$150 billion in the 1990s to US$1 trillion in 2010.The most successful and fast developing sector of Islamic financial industry is namely –SUKUK, Islamic banking, TAKAFUL, and fund management. SUKUK market at the end of 2010 was estimated to reach US$143 billion; the Islamic banking sector worldwide is valued at US$850 billion in term of assets, while Islamic fund industry under management grew by 15% globally. The IFSB expects the value of global Islamic financial assets to reach US$1.6 trillion by 2012. Islamic finance has demonstrated its competitiveness and resilience during the global financial crisis. Today Islamic finance is in transition to the next stage of development, greater international integration and Islamic finance institution to mobilize a higher level of global cooperation will help to further propel the prospects of Islamic finance moving forward. Several countries now in the race to become Islamic finance hubs such as –London, Hong Kong and Singapore, also new market such as-Luxembourg, South Korea and Australia, in addition they aspire to become Islamic finance centers. The global financial system: Global wealth currently held by 4.4 billion people has increased 72% since 2000 to reach US$195 trillion driven by robust growth in emerging markets, many of which are comprised of large, diverse Muslim populations. Global wealth is estimated to grow 61% to US$315 trillion by 2015. On the other hand, US banking assets are valued at approximately US$13.3 Trillion at the end of 2010.while global banking assets reached US$85 Trillion by end of 2011.The value of global Islamic across all asset closes remains minuscule in comparison to that of their conventional counterpart .Total Islamic financial assets make up less than 1% of the total global financial assets. Facing the challenge: Nowadays market capitalization of Islamic banking dwindles in comparison to their conventional counterpart, the capitalization was only 4.1%, and actually Islamic banks were much less affected by the global financial crisis. The Islamic banks are facing a larger challenge as the conventional banks recapitalize and merge. Conventional banks have been able to return to profit in NO time in 2010 only, the ten top conventional banks (by –Pre-crisis market capitalization) net profit increase by 139% year on year. Meanwhile the Islamic banks suffered 55% decline in net profit during the same period. Reaching critical mass: Islamic finance needs to reach the critical mass and cannot be underestimated. It has been identified as the number one for Islamic finance to become truly competitive with the conventional system, ways to get this goal could include reaching out to untapped markets and audiences or build an entity can influence multiple areas of the market with expertise and capital. Large –scale institutions which will have all the capabilities to penetrate the various segmented markets with expertise and knowledge while providing Shariah- compliant financial solutions. Another often mentioned challenge in the Islamic finance industry is the issue of liquidity. The Islamic finance markets currently lack the liquidity , but in the last ten years Islamic financial institutions (IFI) developed rapidly to meet the demand from both retail and corporate entities, and IFIs still face the challenge of a lack of instruments to manage liquidity as a result product being short -term given under the current constraints. But the large Islamic finance institutions can enhance market liquidity and hence offer product pricing by integrating their global and regional market operations. Also Islamic finance needs to meet the human capital requirement. Many Islamic banks still have limited capabilities and expertise to consistently create, therefore increase with development of Islamic financial product and services need for high skilled staff. Further areas of focus in capacity building and talent development include: The need for practitioners and stakeholders to be highly qualified. The need for specialized training and educational institutions. The development and adoption of industry best practices. The collaboration and exchange of knowledge across jurisdictions and supplementary research into and development of key specialized areas. Second area for reaching critical mass is Islamic microfinance, currently there are more than 200 Islamic microfinance institutions around the world, the main countries are Indonesia, Bangladesh and Afghanistan; but Islamic microfinance is still in its nascent stage. A 2007 global survey on Islamic microfinance undertaken by the (GAP) group to assist the poor shows that only 350.0000 customers and accounts for only around 0.005% of total microfinance outreach. Although 2010 estimates now put this figure at 0.05%, the slow growth in Islamic microfinance is due mainly to the fact that the facilities were usually provided by specialized institutions such as non-government organization (NGOs) and not by Islamic banks. Islamic microfinance should be integrated into countries mainstream banking and financial system, this will help to: Create greater awareness of product. Encourage product innovation Improve access to microfinance. Widen and strengthen the distribution channels. Standardize regulation and improve transparency. THE REGULATORY CHALLENGE: Global financial sector lost almost US$ 1.8 trillion as a result of the financial crisis and a big part of the recent financial crisis can be blamed on regulatory failure .The absence of rules during the global depression resulted in many economists to reconsider their views on the model based on market in economic theory and is continuous in current communities in conventional banking. Many governments all over the world have introduced financial and economic reforms as a kind of government intervention to produce well- regulated financial systems, Malaysia as case of study: Malaysia was resilient against the global financial crisis due to strong fundamentals and inherently sound financial regulatory framework. Islamic banking in the country was well protected from the effects of the crisis because of the Islamic financial institution strict commitment to Islamic principles, which prevents high level of benefit speculative activities. The regulatory authorities have introduced a comprehensive regulatory and supervisory framework for Malaysia’s dual financial system. Stronger standards have been set for corporate transparency governance, accountability, disclosure, risk management, customer protection, and market discipline. Below are some of the introduced internal regulations: 1- Corporate Governance Guidelines 2-Rate of Return Framework 3-Guidelines on Financial Disclosure 4_Sharia Committee Guidelines 5-Islamic Money Market Guidelines 6-Capital Adequacy Standards 7-Musharakah and Mudarabah 8-Firewalls for Islamic Window Operations. Generally, these initiative and regulation have the following effects on the Malaysian Islamic financial system: System, maintain the confidence of the public with IFIs as the custodians of public funds. Strengthen a competitive financial system which offers efficient and reliable services. Ensure the health of each IFI for development Prevent the risk of a contagion and methodology failure of the financial system Promote good market practices and high standards of corporate governance Protect customer and shareholders interest. CONCLUSION: There are some elements that are likely to comprise the growth of Islamic finance as below: The present Islamic banking is based on reproduction of conventional banking products, this is lacking to achieve the overall aims of Islamic finance system which is based on impartial distribution of economic advantages and makes Islamic finance less effective than their conventional counterparts. Not all the conventional products have an Islamic finance identical treasury and liquidity management tools. Islamic finance needs changes in the legal regulatory and tax environment to absorb finance without incurring additional cost to the customers. The different interpretations of sharia provisions have resulted in the absence of unification; common understanding is required to merge local market with the global market. Shortage of necessary tools to manage liquidity Expertise and human resource in Islamic finance are rare. For Islamic finance to get good stage of growth should be extended to reach critical mass, chances to get there include: 1-Large scale institutions have the possibility and capability to penetrate the different fragmented markets with experts while providing sharia compatible with financial solutions. 2-Microfinance has ability to find opportunities for the untapped SME market of the emerging economies and to capture interest in Islamic microfinance. 3-Sound regulation, to make sure that Islamic finance has a decent opportunity of growth and development while expending to critical mass. Some of the remaining challenges to be overcome include the development of human capital. Reference www.dawn.com/news/641420/comment-and-analysis-growth-constraints-in-islamic-financial-sector IFSB 4th public lecture on financial policy and stability, lecture by Baljeet Kaur Grewal- Amman- Jordan -2011 1

Ethical Computing

Ethical Computing QBA 362 w/ Burke Ltelatk H. Fritz FRITZ, LTELATK Ethical Computing QBA 362-Spring 2010 E T H I C AL C O MP UT I NG 1. Find a code of ethics from a firm of your choosing (other than the CPSR or the ACM). What do you think are the best five guiding principles from all the tips that you found? http://www. buzzle. com/articles/computer-ethics-code-of-ethics-in-computing. html Code of Ethics ? Information stored on the computer should be treated as seriously as written or spoken word. ? Privacy should not be violated. In case of academic use, it is known plagiarism. ? ? ? Information for public viewing should not be modified or deleted or inaccessible since these are considered as destructive acts. Intrusive software such as â€Å"worms† and â€Å"viruses† which are destructive to the computer system is also illegal. Congesting somebody’s system with a lot of unwanted information is also unethical. Sending obscene and crude messages through mail or c hat is also forbidden. ? Sending sexually explicit content, message or pictures is also forbidden †¡ I felt the top five codes under Buzzle ®Ã¢â‚¬â„¢s Code of Ethics were the best. Because in general it covers a broad area of things. Treating information stored on computers as if they were written or spoken words, is like asking users to respect the rights of others, as well as their responsibility towards other people’s work. (Individual Responsibility) Leaving other people’s work in tact as they are—without modification or deletion, is important because it preserves the other person’s integrity. It’s kind of the same as walking into (or breaking into ) someone’s home and rearranging their furniture without their knowledge. Preserving Integrity) †¡ 2 FRITZ, LTELATK Ethical Computing QBA 362-Spring 2010 2. Is forwarding e-mail jokes good or bad? Summarize the opposing arguments you found. †¡ I personally forward e-mail that I think is appropriate for the individual I am sending the message to. However, congesting someone’s space is considered unethical according to the Buzzle ® Code of Ethics. †¡ Another factor I was totally oblivious of was the fact that all these people’s names and address are forwarded with the mail. My current method of forwarding the message is just to cut the message content and then forward it to friends. Sometimes I insert their address in the blind carbon copy (bcc) area to keep their address private. It is all about respecting someone’s privacy and integrity. 3. How does anonymous e-mail work and why would you use it? †¡ There are so many sites where you can set up anonymous e-mails, i. e. http://www. sendanonymousemail. net/ or http://www. hidemyass. com/anonymous-email/. But you can just as well set up a bogus account and use it to send anonymous e-mails. There were so many given reasons to use such websites like, â€Å"catching a spouse/partner cheating,† whistle-blowing, reporting illegal activities to the authorities. But I say, if you can’t say it in person, write it in a letter and sign it with your name. Be account for what you believe. It takes guts, but sometimes we just gotta. †¡ 4. What are five ways e-mail use can be unethical? Which do you think is most common? Why? †¡ †¡ †¡ †¡ †¡ †¡ Using e-mail to steal company information. Using e-mail to scam people out of money. Using e-mail to conduct illegal activities, like money laundering, human trafficking, etc†¦ Using e-mail to ruin someone’s reputation or â€Å"blasting† stuff about a foe. Using e-mail in push/mass marketing. (Free Viagra or stuff like that) The most common I used to get is push/mass marketing. I once got my Inbox filled with 10,000 messages in less than a month. 5. Why is deliberate spreading of viruses unethical? Name five reasons. ? ? Intrusive software such as â€Å"worms† and â€Å"viruses† which are destructive to the computer system is also illegal. (Buzzle  ®) Congesting somebody’s system with a lot of unwanted information is also unethical. Buzzle  ®) ? 1) Thou shalt not use a computer to harm other people: If it is unethical to harm people by making a bomb, for example, it is equally bad to write a program that handles the timing of the bomb. Or, to put it more simply, if it is bad to steal and destroy other people’s books and notebooks, it is equally bad to access and destroy their files. (CEI) 3 FRITZ, LTELATK Ethical Computing QBA 362-Spring 2010 ? 2) Thou shalt not interfere with other people's computer work: Computer viruses are small programs that disrupt other people’s computer work by estroying their files, taking huge amounts of computer time or memory, or by simply displaying annoying messages. Generating and consciously spreading computer viruses is unethical (CEI) ? 7) Thou shalt not use other people's computer resources without authorization: Multiuser systems use user id’s and passwords to enforce their memory and time allocations, and to safeguard information. You should not try to bypass this authorization system. Hacking a system to break and bypass the authorization is unethical 4