Peer Review of the Things they carried Assignment

Companion Review of the Things they conveyed - Assignment Example The author presents that warriors stop the be only men of the war, however start to be individuals that convey with them considerations, recollections, feelings, and little knickknacks that help them to remember some different option from the war. The peruser essentially should know about a portion of the goings-on during the Vietnam War, for example, the entirety of the fundamental realities. The peruser ought to likewise know a little about what else was occurring all through the world during the hour of the war, which can assist with giving them understanding into what a considerable lot of the officers were deserting. The models that are utilized are clear and proper. The essayist worked superbly at joining the utilization of expressions all through the novel with the focuses that they were attempting to break through to the peruser. The models that the essayist utilizes, for example, those that were emphasized selections from the novel, are trailed by articulations and focuses that manage the extracts that the author brought up. There is a significant exhibit of proof and backing for the cases that are made. The author utilized articles that managed the particular focuses that the essayist makes over the span of their paper. Moreover, the author additionally backs up their cases by utilizing models that can be found in the book that the exposition depends on. Together, the entirety of the outside snippets of data structure enough proof and backing for what the author is attempting to pass on. The subject that the author picked is proper to the composing task. While it shouldn't be progressively broad, the author needs to take a gander at the various cases that they make and request them so they stream together in like manner. The author frequently bounced to and fro between points, first clarifying the physical things the troopers conveyed, at that point clarifying the enthusiastic and mental things - and afterward they hopped back to the physical articles. The author started and finished their paper in an extremely shrewd manner, starting with the physical materials and closure with a

A Discussion of Obamacare Essay

Through the span of my paper I will examine the bit of enactment known as the Patient Protection and Affordable Care Act, all the more casually known as Obamacare. The issue at present bantered with this bit of governing body centers around it’s lawfulness, it’s reason as an expense climb, and whether it ought to be passed. Is the Patient Protection and Affordable Care Act illegal? From what I have concentrated in the article â€Å"Is Obamacare unlawful? †, at debatetopics. net, and from what I am aware of the demonstration, I would state that it is absolutely unlawful. Does the demonstration fill in as an assessment climb? As per â€Å"Voters consider ObamaCare an expense climb, survey shows† at foxnews. com, it does. Should the Patient Protection and Affordable Care act be passed? From all that I have taken in of the demonstration and from what information I have picked up from â€Å"Patterson: State pioneers should decline to permit Obamacare to localize† at masnbc. com, I for one would not permit the demonstration to pass. The demonstration is unlawful as it was passed under a bogus reason. It was maintained as established by supporting the individual order as a duty. Be that as it may, it could never have been passed in the event that it had been forthright concerning making another individual duty. The methods used to legitimize the go about as established are conflicting with the first wording of the bill and along these lines illegal. The demonstration is additionally passed under a bogus reason as it makes another expense and is along these lines an assessment bill. Those living in the nation illicitly are excluded from purchasing medical coverage and get it for nothing. Those people who are at present considered â€Å"entitled† and get government help are likewise excluded. These unlawful settlers and entitled people will get free medicinal services and the remainder of the nation should pay for it. The demonstration is additionally unlawful with respect to the individual order itself. It isn't dependent upon the legislature to make it’s residents buy medical coverage, nor should they pay for the medical coverage of others. It is dependent upon no other individual to give a given individual anything. There should never a case in which one gathering of individuals is compelled to think about others on the grounds that those others will do nothing with themselves and their lives. The demonstration is plainly unlawful as it powers the normal United States resident to buy a help from a private firm or be punished for not doing as such. The fine appended to not buying medical coverage is likewise just thought to be sacred under Congress’ capacity to burden. A fundamental method of denying Obamacare is to decline to set up state-level wellbeing trades. Trades are essentially government authorized cartels where just a couple of government affirmed back up plans can sell government endorsed medical coverage, including all appropriations, exceptions and orders that they apply. When consenting to set up a trade, a given state consents to work a huge government program which would be run by bureaucratic guidelines and orders. The national government would control the specialists and suppliers permitted, the medical coverage plans and advantages, the appropriations and exceptions. The state would accomplish crafted by the national government and bear the expense of the program and would likewise go about as an IRS implementer as it is required to give the names and citizen ID quantities of individuals who have changed bosses and lost inclusion just as the individuals who have ended their inclusion or basically decide not to buy protection. On the entirety of this, the state would be answerable for authorizing the individual order. Generally speaking, the Patient Protection and moderate consideration act is unlawful, serves an expense climb and ought not be passed under any situation. Book index: â€Å"Is Obamacare Unconstitutional? †,2012, â€Å"Voters consider ObamaCare an expense climb, survey shows†,2012, â€Å" Patterson: State pioneers should decline to permit Obamacare to localize†,2012,

How to Write the Scripps College Supplement 2019-2020 TKG

How to Write the Scripps College Supplement 2019-2020 Scripps College is an all-women’s liberal arts college in Claremont, California. It is a small school comprised of only 1048 undergraduate students. Scripps is one of the 5C’s â€" the consortium of colleges in Claremont that allow students to flow between them for many courses and some programs of study.  In addition to being one of the foremost all-women’s colleges in America, the Scripps campus is considered to be one of the most beautiful campuses in America. Students at Scripps are challenged to strive. By the end of senior year, 100% of Scripps students complete a senior thesis or project. This serves as a capstone and a tangible result of their years of study. The acceptance rate for Scripps is 29.8%, the highest of the 5C schools. This is common for all-women’s colleges and is not reflective of the academic rigorousness or the level of their expectations. Instead, it is a result of demographics. Since the pool of applicants for all-women’s colleges is approximately half that for co-ed schools, there are fewer applicants and subsequently higher acceptance rates.  When you log into the Common App and search out the Scripps supplement, don’t be surprised when you don’t see a dedicated supplement section. The questions for Scripps are tucked inside of the normal question section, not in a separate supplement folder. The Scripps supplement for the 2019-2020 application cycle is the same as the one they used last year, but we like to approach it with fresh eyes.  Why have you chosen to apply to Scripps College? (200 words)This is a short “why us?” supplement that needs to be primarily focused on academics. You need to include your prospective major, a professor that you’d like to study under and why, and a class or two that you’d like to take. If you have a potential minor in mind, you should include that too. This may sound formulaic, but it doesn’t have to read that way. Weave the specifics together by explaining why Scripps is uniq uely positioned to provide you with the resources you need to succeed academically and, in the future, professionally. Before you use up all 200 words, remember that you’re applying to an all-women’s college. It’s critical that you include why you are interested in an all-women’s college. All-women’s colleges are unique learning environments. There are not many left in the USA, and each has a set of traditions that are passed down from generation to generation. Research some of Scripps traditions and include one that you are particularly excited to take part in. Choose one of the following (150-300 words):If you could trade lives with someone (fictional or real) for a day, who would it be and why?You have three choices to pick from and up to 300 words. Three hundred words is a good amount of space, but it can easy to waste â€" especially if you choose the wrong prompt. We don’t like this prompt. It can be a tricky question that draws you off-topic. Instead of illuminatin g something about yourself and illustrating who you are, it can quickly become about the person you are writing about. This is especially true if you pick someone who is not high profile. Then might feel the need to spend a third or more of the limited space you have explaining who the person is. So, if you do choose to pick this prompt, the person or character you select to focus on needs to be known, but not cliché. Our advice, though? Same as last year. Skip it. You’ve invented a time machine in your living room â€" well done! When and where is your first destination and why?This can be a very fun supplement. It is a chance to be quirky, adventurous, and to have fun. It’s also a chance to show your passion and to bring out some of your academic or extracurricular aspirations outside of your major. Is there something from the past that inspires you to strive towards your future? If so, explore it. However, it’s essential to not be too on the nose. If you want to be a scient ist, don’t say you would visit Marie Curie’s lab. It’s better to be niche than to pick something stereotypical. This can mean doing some research before you start writing. Pick a place or time that is unique, and then illustrate it to bring it alive for the reader. Allow it to feel real. You have just been invited to give a TED talk. What will you talk about and why did you select that topic?This is our favorite option of the three! It’s also the easiest to answer, which is another reason that we like it. What you need to do to answer this question is clear: there needs to be a topic, and there needs to be a reason for the topic. Start by finding your topic. It should not be related to your major. Your topic should add depth to your application by exploring another area you are passionate about. It can be academic, but it does not need to be academic. In fact, for most applicants, it’s better if it is not academic. Don’t immediately go looking to your activities suppleme nt for inspiration. If you’re feeling brave, try to explore something totally different, and that is well outside of what’s been covered in your classroom studies or what’s included in your activities supplement. Finally, be careful not to try to be a philosopher. We want you to explore and be adventurous, but you should not go so far afield that you pick something that sounds like an attempt to be profound. You’re a teenager. They don’t expect you to be an intellectual and pretending to be one often doesn’t feel authentic. Be yourself, be honest, and, if you pick this prompt, have fun with it!  If you’re interested in pursuing an all-women’s education, but want to know more about what that entails, we can help. Our team includes graduates of top all-women’s colleges who can guide you through the process of pursuing a collegiate education at an all-women’s institution.

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Technology And Its Impact On Society - 1340 Words

Current generations living in developed countries are fortunate enough that through technology they may finally see the end of crippling disability. Previously unimaginable prospects are now reachable because of the advancements science has recently generated and a standard of living for most in 1st world areas has been reached which dwarves our former expectations; this is attributed to the fact that modern technology has been directed towards the aggregated purpose of the improvement of the general quality of life of all human beings. Developing the skills I already possess through college resources, I am inconceivably lucky enough to be able to participate in such a provident time in history, where the conditions which allow me to take part in science’s aims to bestow the universal right of enabled, wholesome body and mind to the populace are in effect, with such prominent universities and institutions flourishing worldwide and a plethora of government and societal backing on the side of progress. It is my ambition to bring new technology to fruition and my passion to aid others with that technology, and because of this intent to expand upon human dignity and health, several affairs and solutions have risen to my attention and I have theorized various means to reach these ends. Beyond conceptualization, an effective engineer requires a multifaceted experience in multiple technical disciplines, such as, but not limited to: design, organization, programming, andShow MoreRelatedTechnology And Society : Impact Of Technology On Society1511 Words   |  7 PagesIntroduction Technology has impacted people, businesses and society as a whole. The roles that technology has played on communication, business and education have been more than impactful. As the power of computers continue to increase with help from databases, social networking and businesses, it adds an increase to office productivity compared to using typewriters, and filing cabinets. Although there are plenty of good things about technology, the way we use it determines if it impacts are positiveRead MoreImpact Of Technology On Society : Technology1281 Words   |  6 PagesImpact Of Technology On Society Technology, without a doubt has an impact on society. As a matter of fact, we experience this impact in our daily lives. The evolution of technology has dramatically changed the way we think, with the rapid new advancements being made with each passing day, to the tremendous opportunities it provides us with. It has an effect on the growth of our culture, living standards and our economy. At the end of the day technology plays a significant role in almost all fieldsRead MoreTechnology And Its Impact On Society1302 Words   |  6 Pages Technology Dominates Society How has technology affected the everyday life of society today? Is society as social as it use to be before everyone had access to an abundance of technology? Many people believe that the answer to those questions are that society is less social and technology has had a negative impact on humans today. As technology progresses bounteously society begins to rapidly decline. The ways society is negatively impacted socially mentally and emotionally will be analyzed. Read MoreThe Impact Of Technology On Society1291 Words   |  6 PagesSociety has always been impacted by technology. Each invention has affected how people relate to one another and how cultures have expanded or ended. Technology impacts how cities grow, where people live, and who owns what. Technologies are the reason a few people are very rich, that people are more social, and that teaching, and learning is changing. We are at a crucial time in history where educators can make a difference in how our students interact with one another and make a place for themselvesRead MoreTechnology And Its Impact On Society1198 Words   |  5 PagesTechnology is used on a daily basis to accomplish specific tasks or interests. Modern technology increases human capabilities and this technology has evolved with years. Technology simplifies life in so many ways and everyone defines technology in their own way. They’re new types of technology on the market, this technology simplifies our da ily lives. They’re endless demands as consumers of technology, people use technology to accomplish simple tasks every day. Technology’s used in business, educationRead MoreTechnology And Its Impact On Society1087 Words   |  5 PagesTechnology is one of the biggest advancement in the history of our universe, and the powers of it are good and bad. People mainly gain from the use of technology and its many uses. Without technology today, the world would be a much, much different place because of the major setback in communication and other activities and resources. The things that technology impacts are family, education, and health. Family is one area technology impacts life in general. â€Å"88% of Americans adults haveRead MoreTechnology And Its Impact On Society1343 Words   |  6 PagesFrom over ten thousand years ago to what is now the Information Age, technology has grown significantly and affected not just one individual, but the whole world. The creations of technology have rapidly evolved to where humans depend on technology. They use it for their daily needs and this evidence shows these creations are a stepping-stone for future endeavours. The innovations that several people have created revolutionised the world in a major way from a light bulb and crossbows to an airplaneRead MoreTechnology And Its Impact On Society1525 Words   |  7 PagesThe technology is creating a generation capable of communication and understanding different cultures and belief. The technology is the application of scientific knowledge for practical purpose. It machinery and equipment developed from such as scient ific knowledge. Humans have lived for thousands of years without any technology in small hunter gatherer communities, but now we have all of this technology and the population on Earth has exploded and will not stop anytime soon. â€Å"Society seems enthralledRead MoreTechnology And Its Impact On Society1596 Words   |  7 PagesSociety has become dependent on technology and it now plays an important role in many people’s lives. Try imagining your life without technology. If the internet, mobile devices, and games were taken away from us, how would we feel? Many people would feel like a part of their lives are missing due to technology now being a necessity in their everyday life. It would be very different from what we are comfortable with today. The truth is, many people rely on technology to get them through the dayRead MoreTechnology and Its Impact on Society1082 Words   |  5 PagesTechnology and its impact on society In this paper I will talk about the topic that technology will eventually destroy the entire civilization, since people are greedy and the revenge of nature. Technology s advantages and disadvantages are a subject of constant discussion. Those who are against technology have the opinion that technology harms people and will ultimately ruin human civilization. Threats to the environment are pollution, resource depletion, greenhouse gas, and nuclear power abuse

The Criminal Code And Prostitution - 1566 Words

The Criminal Code and Prostitution in Canada: A Historical Overview Prostitution has always been a topic of contention and controversy in Canada and other counties. Due to various perspectives on how prostitution should be addressed through law, the legal status of prostitution varies from country to country. Prostitution itself has always been legal in Canada, however many activities tied to it have been strategically criminalized by prostitution laws. Canadian prostitution laws have evolved from a once small set of provisions, to a much more complex set of laws that are used to criminalize various prostitution-related activities in an attempt to reduce demand for sexual services (McLaren 1986). The evolution of Canadian prostitution laws have been overseen by numerous governments and committees who have investigated internal and external factors of prostitution to better inform prostitution laws (e.g., the Criminal Code). Sections of Criminal Code used to criminalize prostitution-related activities are a point of speculation for governments, commit tees and interest groups who question whether current prostitution laws are doing enough to deter problems that stem from prostitution-related activities. It has been argued that the â€Å"social and legal framework pertaining to adult prostitution does not effectively prevent and address prostitution, nor does it prevent or address harms to communities†(Lowman 2011, 42). While prostitution remains to be legal activity in Canada,Show MoreRelatedProstitution, Prostitution And The Commercialization Of Sexual Services1467 Words   |  6 PagesPrior to the decision in Canada (Attorney General) v. Bedford, prostitution and the commercialization of sexual services was not illegal; however there were three legislative barriers surrounding prostitution-related acts that implicated sex workers of criminal offences, thus the decision to work safe or risk arrest made their line of work difficult (Durisin, Love , van der Meulen, 2013). Due to public demand and the need to clean street prostitutes, the criminalization of prostitute related activitiesRead MoreProstitution in Canada Essay946 Words   |  4 Pagesan antiquated view on the issue of prostitution—one that prosecutes sex workers instead of those who take advantage of women’s situations and buy sexual services. BY examining the origins of current-day laws concerning prostitution in Canada and looking at European legislation as well as its successes and failures made it is possible to find a middle ground that will suit Canada should it ever decide to change its laws concerning prostitution. While prostitution is technically legal, acts surroundingRead MoreShould Prostitution Be Legalized?958 Words   |  4 PagesProstitution is a topic with a lot of controversy. The reason is because it mixes with other themes such as feminism, violence against women, racism, poverty, gender, women’s inequality, trafficking of women, employment, and many more (Armstrong, 1990). Essentially, the topic of prostitution is so extensive and diverse that even until this day, the issue has caused uproar of concerns in all realms of society, in all nations. Yet, if a focus had to be drawn on this examination with prostitutionRead MoreShould Prostitution Laws Be Legal?1304 Words   |  6 PagesMost people morally oppose the profession of prostitution because they consider it to be a taboo. While others believe that it is their right and personal freedom to choose what to do with their life and body. Recently, the debate about how laws should address prostitution legally has become a subject of legislative action. Prostitution itself is not a criminal offence under the Constitution, but there are certain laws under the Criminal Code that discourage it and makes it unlawful. For exampleRead MoreProstitution : A Dangerous And Degrading Profession1209 Words   |  5 PagesThe topic of prostitution has been widely debated across history. While many see working as a prostitute as a viable career option and a right that all legal consenting adults should have, many other see it as a dangerous and degrading profession that creates both a sexualized and crime-breeding environment. The governments of Scotland, the United Kingdom, and the United States have all generally taken stances that address prostitution in strict manner. While the approaches by which the US, the UKRead MoreThe Sexual Exploitation Of Youth1500 Words   |  6 Pages dependant on drugs and involved in prostitution. According to Statistics Canada (2008) at the time of this case, youth aged 12 to 14 were twice as likely to experience sexual violence then that of young adults, this statistic was even higher if the victim is female (Sexual Assault, para. 4). While they were staying with two significantly older men they were involved in sexual activity that was videotaped and photographed. Under s.163.1(2) of the Criminal Code the men were charged for making childRead MoreThe Difference Between Criminal Justice And Criminology1397 Words   |  6 Pagessemester, I have learned a lot about criminology. I have learned the difference between criminal Justice and Criminology. Criminology is the scientific study of crime and criminal behavior (Hagan p.453). Criminal Justice on the other hand is the system of law enforcement, involving police, lawyers, courts, and corrections, used for all stages of criminal proceedings and punishment (Criminal justice | Define Criminal justice at Dictionary.com). It is also seen as the system of practices and institutionsRead MoreProstitution Should Be Illegal in Canada Essay1583 Words   |  7 Pagesactivities inside the world of prostitution. From reading the newspapers to hearing it on the television, we know nothing good ever comes out of prostitution because of the exposure to the risky businesses and dangerous people. Prostitutes engages in a number of dangerous harmful activities such as taking drugs, rape, emotional and physical abuse, and the worst case scenario is death. In this thesis paper, I’ll be discussing the main points and arguments as to why prostitution should have been illegalRead MoreProstitution Article On Prostitution Laws1640 Words   |  7 Pages Prostitution Laws in Canada Karlene Wright November 19, 2014 Prostitution Laws in Canada Introduction Prostitution is considered by many to be the oldest profession. Throughout civilization many society have had to address the issue of prostitution. Canada is a nation renown for promoting the advancement of women in all parts of the world. However, it is a nation guilty of punishing women for the circumstances in which they find themselves. The prostitution laws in Canada showsRead MoreShould Prostitution Be Legal?940 Words   |  4 PagesGovernments in many western countries have tried to change their approach to prostitution management. The governments have attempted to amend laws to deal with the prostitution, but the process has met fierce controversy. In Canada, a role of criminal code in regulating or prohibiting prostitution has been the area of long-standing debate ( Lowman John, 16). The controversial opinions over the prostitution issues have been evident in parliamentary reviews and court challenges launched in this country

Getting Value Business Intelligence Systems â€Myassignmenthelp.Com

Question: Discuss About The Getting Value Business Intelligence Systems? Answer: Introduction In the starting of the 19th century the first bank was set up in Australia. From then till today there has been large number of reforms in this regard. In this 21st century technology has taken the reigns in its hands and all the operations are managed on the technical line. There are four big banks in Australia today on which the four pillar policy was framed that prevents merger of these banks with each other. These banks are Australia and New Zealand Banking Group Limited, Commonwealth Bank of Australia, National Australia Bank Limited and Westpac Banking Corporation. These are the top banks in Australia nd dominates the overall banking sector. The importance of the banks over the past years has increase and baks today are contributing more than half of the total assets of the economy. Apart from providing basic services to the consumers that is lending of money, and management of deposits, they provide large number of other services also today that ranges from fund management to asset management. They also provide insurance related services to the consumers and also big companies. These banks are required to follow the rules and regulations that have been set up by the law framing body of the country and all the actions must be in line with the same. The strong financial position that the banks hold today reflects the changes that has occurred in the overall banking sector from the time when the first bank was set up in the 19th century. Today there are as many as 53 banks operating in the Australian financial sector(Adapa Roy, 2017). None of these banks are held by the government, few of them are owned by foreign parties and 14 banks are owned by the Australian. The government is not allowed to hold any bank to prevent them from controlling the economy. The banks are forced to follow the regulations that have been set up the Australian Prudential Regulation Authority (APRA). These banks holds a large amount of market share and that is thus controlling the overall economy in some way or the other. The overall analysis of these bank, from the past to their future presence is discussed in this report briefly. The key regulating parties of the banking sector includes the RBA, the APRA and the ASIC. They frame rules and regulations on which the banking system works. They issue guidelines which is mandatory for all the banks to follow. Any company who wants to function in Australia needs to have the permission of the APRA and then only they can begin their overall operations. These standards that are set by these institutions follows a large number of topics that relates to capital adequacy, management of the funds, securitization, maintain proper quality credits and many other. They set down limitations that the banks have to follow, and in case the consumers are not happy they can launch their complaints to the respective authorities. If the banks do not comply with these provisions, then their license can also be cancelled. So in order to avoid the same, these rules must be strictly followed and all the decisions of the banks should be taken keeping them in view. This helps in effective management of the accounts and make sure that there are very less amount of errors involved in the same. The inter-governmental cooperation from other parts of the world has also improved a lot. The Australian government has a very friendly attitude towards its counter parties in other parts of the world. All these countries believe in forwarding a helping hand as and when needed. The Australian government stands for better harmonization of relationship in the Asian pacific region.This helps in better development of the world relationship and also open new business opportunities for these companies and also the economy is also benefited. It opens the option of third party funding which the banks can secure from other companies that are operating in foreign land and in times of recession it is of great help.; Research The first bank was framed in the early 19th century. By the end of the late nineteenth century during the Victorian era, when there was a situation of huge depression, a large number of colonial banks failed. This was a huge blow to the banking sector. A new legislation was framed in 1901, to supervise these banks and protect them, and manage their overall operations. New rules and regulations were framed after the Second World War. The government was not allowed to own any of these banks. People assumed that if government had the power to control the banks than they might be able to control the overall economy also. In order to fight the same, strict guidelines were framed to control the overall banking sector and provide the people a basis on which they can judge the performances of these banks. However as there were many changes in the overall scenario of the world banking sector, deregulation became the order of the day and many changes were brought in. It made the need of strong er norms more evident and clear for these banks(Anginer Kunt, 2014).The overall banking balance sheet has grown at an average rate of 13 percent since 1985. It is a reflection of the strong effect of the banking regulation on the economy and the presence of the strong demand and supply effect of the economy. The overall banking scenario was very badly hit because of the great depression that occurred in the late 1990s. There was a huge decrease in the overall banking home loan demands and that caused a lot of loss to these banking companies. But since the companies have got over depression, they are trying to make more profit and generate more revenue by getting third party funding for their banks and its management. There has been huge growth since the time common wealth banking norms were issued on the basis of world banking rules. The growth has been spread over a time line and is visible in the strong market position that these banks hold in todays time and the overall effect t hat they have on the economy of the company(Arnott, et al., 2017). There was no influence from the government also, as they were not allowed to control these banks and hence the overall function was dynamic and stable. This was the past of the banking industry in Australia and since then a lot of it has changed and the same is stated below. There has been huge growth and development in the Australian banks since 1990. There has been introduction of Automatic Teller machines and other devices that helped in infusing the technology with the everyday banking services. This was very helpful for the customers. Deregulation became the order of the day in 1960, and affected a large number of banks very badly. In 1980, new banks were established and there was fresh innovation and development. There were a lot of reward that were associated with the overall deregulation as it allowed many credit unions and budding societies to become banks without going into mutation. The government of Australia had launched the four pillars policy as per which the top four banks were not allowed to merge with each other and had to maintain their individual status. This was extremely helpful in the long run and made sure that the power was not transferred to a single banking company. The government was not given any power and was not allowed to control these banks in anyways. The last government owned bank was old out in 2011, and after that these banks were privatized. Strict guidelines were issued for the same to be followed by these banks. Analysis The present banking sector is dominated by the top four banks that hold most of the market share and contribute the most to the economy. They are guided by the four pillar policy by which they are not allowed to merge with each other but they can merge with other banks and small institutions. These acquisitions and mergers have helped in the growth of these banks all over and also in improving their overall market share. They are extremely huge and as per the world banking ranks, they are together ranked at 80th position and in case of the market share they have a 50 rank. They contribute 100 percent to the total share of the GDP and have around $960billion of assets that are reflected in their books in combination. Their pre-tax income is around 21 percent and over the years they have been extremely profitable. Apart from providing normal banking services, the major source of income of this bank comes from non routine activities like asset management and fund management. There is fe w other banks also there apart from these top banks whose main area of focus is the management of the retail sector and hence are often known as regional banks(Bakir, 2017).These regional banks are a group of five banks that are owned by the Australian. Over the years they have tried to bring a large amount of changes in their functioning by providing better services to the customers at discount. They together contribute to around 8 percent of the total Australian GDP. Apart from all these, there are few banks that are owned by foreigners, they contribute to around 20 percent of the total GDP. Previously these banks tried to focus on the sale of services and failed very badly. But now apart from focusing on the whole sale market, they are trying to indulge in providing better retail oriented services to the consumers at very low prices. The largest owned foreign banks makes a contribution of around 2.5 percent to the total economy and is also the eight largest domestic bank in Australia. The major activities of these banks include fund management and insurance but they also indulge in other type of activities also that will help them in generating funds. Till today, there are around 53 banks that are functioning in the Australian economy and none of these banks are owned by government officials. This makes the overall banking system very strong and reliable(Dowding, 2017). Now if we go for the future banking system, there are several changes that are anticipated to occur that will make the overall system more strong and efficient. These few changes are To infuse the overall work done with the cultural aspects of the economy To bring more changes with regard to new innovations and development To optimize the overall chain value so that more revenue is generated To make the overall customer management system more efficient and less erroneous It is important for the banks to introduce all these changes in their system because in the long run it will become very important to do the same. These changes are needed so that the bugs from the banking system are removed and the entire system becomes more stable. It will be helpful to the company and also to the customers(Kohtamki, 2017). It is important that these companies are able to able to survive this transition phase form the traditional banking system to more technological advance one. If the companies are not able to survive this phase they wont be able to perform good. In the long run it is important that new updates should take place every now and then. These will be necessary to keep the companies in par with the other world banks and make the entire system top notch to the global level. It is important to develop better relation with the customers that will help in better management of the resources overall. It is also necessary that these banks are able to escape th e future of commodity traps and dont sell their service as they are selling some products to the people(Mayntz, 2017).These services are there to help the customers, hence commercialization is important but the overall essence of banking must always be there. This is the most important thing that the banks must keep in mind. The companies also need to improve their overall management by effectively combining their needs demands and the needs of the consumer with their resources, culture and other attributes. These are few of the basic changes that might be required in the future. As of now the banking sector is a growing economy and with changes in technology and overall procedures better changes will occur, that will make the system more efficient. Recommendations So on the basis of the above analysis it can be said that the main need of these companies is to not commercialize the services and provide quality services to the consumers. The consumers must be given their dues accordingly and must be provided the best service that will help in their growth and development. It is important that these companies are able to able to survive this transition phase form the traditional banking system to more technological advance one. It is important to develop better relation with the customers that will help in better management of the resources overal(Trieu, 2017). New technological advances must be done to make the entire process more easy. It is also important to see that there must be simplification of the banking processes so that the customers are able to understand it easily and deal with the same without issues. Proper audit of the banking companies must be done as per the stated rules and regulations so that people are aware of the true pictu re of the financials of the company. They can take their important decisions on the basis of the same. Conclusion After the entire analysis it can be concluded that the banking system in Australia ahs improved a lot over the years. There has been huge growth from the first bank that was formed in 19th century till today. It will be ok for the banking companies to make sure that retain their current position and bring it new changes so that the future is better. The banking companies must be operated independently and the government should also see to it that the overall norms that it has framed for the same must be free from all kind of errors. The customers instill their faith in these banking companies and thus it is their responsibility to provide them the best services(Yates, 2017). The present scenario in respect to these banking companies is bright and with few changes the companies will be able to improve a lot and will be to inculcate more changes in the system. The government should see to it that there is more growth of domestic banks rather than foreign owned banks and that there are steps taken for the betterment of the same. Overall the banking system is effective and strong and free from errors. Refrences Adapa, S. Roy, S., 2017. Consumers post-adoption behaviour towards Internet banking: empirical evidence from Australia. Behaviour Informtaion Technology, 36(9), pp. 970-983. Anginer, D. Kunt, A., 2014. Has the global banking system become more fragile over time?. Journal of Financial Stability, Volume 13, pp. 202-213. Arnott, D., Lizama, F. Song, Y., 2017. Patterns of business intelligence systems use in organizations. Decision Support Systems, Volume 97, pp. 58-68. Bakir, c., 2017. How do mega-bank merger policy and regulations contribute to financial stability? Evidence from Australia and Canada. Journal of Economic Policy Reform, pp. 1-15. Dowding, K., 2017. Australian exceptionalism reconsidered. Australian journal of Political Science, 52(2), pp. 165-182. Kohtamki, M., 2017. Real-time Strategy and Business Intelligence: Digitizing Practices and Systems. Finland: Palgrave Macmillan. Mayntz, R., 2017. Networked Governance. s.l.:Springer. Trieu, V., 2017. Getting value from Business Intelligence systems: A review and research agenda. Decision Support Systems, Volume 93, pp. 111-124. Yates, J., 2017. Protecting housing and mortgage markets in times of crisis: a view from Australia. Journal of Housing and the Built Environment, 29(2), pp. 361-382.