Saturday, December 28, 2019

Description of a Trip to the Liberty Science Center in...

Description of a Trip to the Liberty Science Center in Jersey City, New Jersey When deciding on a place for my science trip, I knew the perfect place would be the Liberty Science Center, located in Jersey City, New Jersey. I went there often as a child, so I already knew that there was a great deal to learn there. What I didn?t realize was how much it had been updated since I was there last. There are so many advances going on in science and technology, it?s all so amazing. What surprised me most, is that even at age 19, I still had as much fun there as I did when I was 9. When I got first arrived at the science center, I was so overwhelmed I didn?t know where to go first. The center has three floors, each with a different†¦show more content†¦At first one, Point of View, I learned some beliefs and customs of different cultures. For example, although we believe that the earth revolves around the sun, some cultures believe that the sun revolves around the earth. They have actual facts to back up these beliefs, and it is easy to see that both poin ts are valid. The next exhibit was called ?Health?. Here I played a genetics game that told me that some of my own physical characteristics are very common among people and how some of them are unique only to me. Next I visited ?One Race.? Here I learned how little of a person?s genetic makeup actually decides skin color. I found it interesting how just a little something on the inside makes such a great change on the outside. The last exhibit of the gallery was called ?Prejudices.? Here I saw a model of a slave ship and I was able to stand inside a box the same size as that of which slaves traveled in on boats. It was a very unusual experience for me. The next floor I visited was the Health Floor. All of the exhibits were about the study of the human body. The first one I visited here was the ?Touch Tunnel.? This was a one hundred foot long, completely dark tunnel that I had to crawl through to see how well my sense of touch could guide me. Luckily, I made it out in one piece. Next I visited the ?Issues Arcade.? Here I was able to take many different quizzes on health-relatedShow MoreRelatedMuseums Essays10752 Words   |  44 PagesThere are museums in almost every major city in the world and in many smaller communities as well. Museums  offer  many  benefits to their visitors, their communities, and society as a whole. As educational institutions, they offer unparalleled opportunities for self-directed learning and exploration by people of diverse ages, interests, backgrounds, and abilities. They are public gathering places where visitors can be entertained, inspired, and introduced to new ideas. 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Thursday, December 19, 2019

Compare And Contrast Creon In Oedipus The King - 893 Words

Favored to be King Thebes is crumbling under the pressure of the plague, and is dependant on their king to free them from this curse. Sophocles’ Greek tragedy, Oedipus Rex, emphasizes the negative traits that Oedipus possess, by using a character foil named Creon. Jocasta’s brother, Creon, is introduced in the story when Oedipus accuses him of attempting to steal the throne. Creon’s positive and Oedipus’ negative impacts on Thebes are portrayed through their actions and character traits. Creon would be a better fit leader than Oedipus due to their positive and negative character traits. Such as, excessive-pride versus being humble, sensibility versus impulsiveness, quick-tempered versus calm, concluding in ignorance versus forgiveness†¦show more content†¦This impulsive decision can end poorly if it is not what the gods want for Oedipus. Creon’s sensible character prevents him from these dangerous aftereffects by considering what the gods w hat. He says, â€Å"First I wanted the god to clarify my duties.† (1574). By using a sensible attitude he may have saved the city of Thebes from another curse. Creon later says to Oedipus, â€Å"Do you want proof? Go to Delphi yourself, examine the oracle and see if I’ve reported the message word-for-word.† (676-678). Rather than instantly resorting to made-up statements, Creon steps back and chooses the sensible route, which is more fit for a king. A leader should not be quick-tempered, but rather calm. In the conversation between Oedipus and Tiresias, Oedipus’ quick-temper causes him make rash and untrue statements. Oedipus quickly becomes angry and says, â€Å"Nothing! You, you scum of the earth, you’d enrage a heart of stone! You won’t talk? Nothing moves you? Out with it, once and for all!† (380-383). Rather than fully processing the information he has been given, his temper gets the best of him and he lashes out at Tiresias. Cr eon’s calm nature brings a peaceful manner to his conversations that contrast Oedipus’ quick temper. In the dispute between Oedipus and Creon, Creon says, â€Å" It’s your turn to listen for just as long as you’ve †¦ instructed me. Hear me out, then judge me on the facts.† (607-609). ThroughShow MoreRelatedReview Of Oedipus Rex 1342 Words   |  6 PagesJake Gilman Modern Mythology Period 8 Fusaro Oedipus Rex Reading Questions What appears to be the function of the Chorus? - The chorus in Greek tragedies has a similar function to the narrator in various books and plays. It is an outside source that describes the actions of the characters, as well as their thoughts or feelings. Just like a narrator, the chorus can be used to foreshadow an upcoming event and provide more detail than what is said on stage. However, theRead MoreEssay on Creon as the Tragic Hero in Sophocles Antigone1326 Words   |  6 PagesCreon as the Tragic Hero in Antigone     Ã‚   This essay will compare two of the characters in â€Å"Antigone†, Antigone and Creon, in an effort to determine the identity of the tragic hero in this tale.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   To identify the tragic hero in Sophocles’ renowned play â€Å"Antigone†, we should first consider both the elements present in Greek tragedies and what characteristics define a tragic hero. Aristotle’s definition of tragedy is: â€Å"Tragedy is a story taking the hero from happiness to miseryRead More The Many Functions of Tiresias in Sophocles Oedipus Rex Essay1434 Words   |  6 Pagesof Tiresias in Sophocles Oedipus Rex The minor role of Tiresias fulfills several chief purposes in Sophocles Oedipus Rex, all of which are necessary in guiding the play through to its tragic ending and the completion of the prophecies. Tiresias primarily functions as the catalyst ultimately responsible for the provocation of Oedipus venomous jealousy, a vital factor in the plays progression. The calm and confident Tiresias also acts as a foil for Oedipus through his dramatic differenceRead MoreComparing Oedipus The King And Antigone1311 Words   |  6 PagesEmily Morris Dr. Brooks ENC 1102 8 December 2015 Different Qualities, Same Fate When analyzing both Oedipus the King and Antigone, Oedipus and Antigone are very alike in ways. When reading these plays, the mind is wired to compare how the protagonists are alike, and contrast how they are different. Antigone and Oedipus are idolized by the people, but the legacy of Oedipus seems to have been altered due to the fact that he has experienced bad past family relationships; therefore as Gale explains,Read MoreOedipus Rex Study1464 Words   |  6 PagesOedipus Rex Study Guide The Prologos 1. What initial step does Oedipus indicate he has already taken? 2. What is the significance of Delphi? What is the message from the oracle at Delphi with which Creon returns? 3. What does Oedipus think about the clue Creon reveals about who murdered King Laios? What might this perception foreshadow? 4. What does Oedipus promise to do at the end of the Prologos? 5. Of what symbolic significance are the olive boughs, strewn at the alter steps asRead MoreLiterature: Compare and Contrast - Literary Devices5483 Words   |  22 PagesLiterature: Compare and Contrast Literary Devices Kathy J. Shannon University of Phoenix Mickeal M. Donald, Instructor September 3, 2010 Compare and Contrast Literature offers a variety of literary works by authors of all ages, writing non-fiction and fictional stories, poetry, and essays. The act of analyzing two different authors by both comparing their work and isolating their contrasting elements, can be difficult, yet rewarding. Oedipus Rex (Sophocles), written in 429 B.C., offers theRead MoreAnalysis Of Oedipus The King And Antigone1170 Words   |  5 Pagestry to break down those barriers in attempts to leave an imprint on this ever- changing world. In civilizations such as Athens, women were looked down upon and this battle to leave behind tradition proved to be almost if not fatal. Sophocles Oedipus the King and Antigone exemplify three distinct female Athenian characters who approach this battle with different fronts. Through analysis of Ismene, Antigone and Jocasta’s distinct characters, the reader better understands how Sophocles uses a feminineRead MoreOdysseus From The Odyssey, And Oedipus2046 Words   |   9 Pagescan be analyze this was are Odysseus from the Odyssey, and Oedipus from Oedipus Rex. The Odysseus is the story of a warrior, Odysseus, who journeys to his native land of Ithaca despite many obstacles and succeeds in driving out suitors who are present in his home/ Oedipus Rex is the story of Oedipus, a man who has accidentally married his mother and killed his father, and learning the truth, becomes blind and is exiled. Odysseus and Oedipus are both intelligent heroes who use their wit to solve theirRead MoreMorality in Oedipus Rex Essay1785 Words   |  8 Pagesthe time of the ancient Greeks Sophocles’ play Oedipus Tyrannus is seen as the quintessential model of Greek Tragedy. This is due to the intricate questions of morality that are masterfully woven into the literature and the fact that â€Å"perhaps no classical Greek play that has stimulated as much critical discussion† (Harris and Platzner Classical Mythology: Images and Insights, p.648). One of the dom inant arguments the tragedy generates is whether Oedipus is responsible for the abhorrent crimes of patricideRead Moretheme of alienation n no where man by kamala markandeya23279 Words   |  94 PagesLITERARY ELEMENTS SETTING This tragedy is set against the background of the Oedipus legend. It illustrates how the curse on the House of Labdacus (who is the grandson of Cadmus, founder of Thebes, and the father of Laius, whose son is Oedipus) brought about the deaths of Oedipus and his wife-mother, Jocasta, as well as the double fratricide of Eteocles and Polynices. Furthermore, Antigone dies after defying King Creon. The play is set in Thebes, a powerful city-state north of Athens. Although

Wednesday, December 11, 2019

Customers Essay Research Paper Consumers have so free essay sample

Customers Essay, Research Paper Consumers have so many picks to do compared to ten or even twenty old ages ago. Today as ever, concern growing depends to a great extent on loyal clients who return because they are satisfied with the merchandise and/or service they have received. But first companies have to convey consumers into the shops. The companies bring consumers into the shop by marketing their merchandise. The mean consumer would likely specify selling as a combination of advertisement and merchandising. It really includes a good trade more. Modern selling is most merely defined as directing the flow of goods from manufacturers to clients. In order to reply this inquiry to the full we must specify consumer goods which means goods that are used or bought for usage chiefly for personal, household, or family intents. The essay outlines the parts of marketing through fast traveling consumer goods. Promotion, which works manus in manus with marketing a merchandise, allows the merchandise to be relayed to the righ t consumer through runs. We will write a custom essay sample on Customers Essay Research Paper Consumers have so or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Market research must be completed to happen a mark audience which is used for promotional and advertisement grounds. The last portion of the strategy is the existent advertisement of the good which pulls the consumer into the shop. Selling has had an influential impact on fast traveling consumer goods through abroad scope of activities including, publicity, market research, and advertisement. Promotion is used to pass on information about goods and services to aim market audiences thereby easing the exchange procedure. Promotion plays an of import function in informing, educating, carrying and reminding clients. The promotional mix is adjusted harmonizing to the organisations promotional aims and its selling state of affairs. By and large, in consumer? s services, selling and advertisement will be by far the chief constituent and the most expensive. Promotion is basically about communicating. Target audiences need to have information about goods and services before they can get down to see doing a purchase. The promotional aims will act upon the nature of the promotional message and the type of entreaty used to acquire the message across. One of the cardinal undertakings in planing and put to deathing promotional programmes is the choice of appropriate media for advertisement and other signifiers of communicating. The scope of possible media pick is extended but will finally be governed by factors such as the budget available and the mark audience profile. The development of an effectual promotional run involves uniting the promotional mix elements in the most appropriate manner to run into the organisations communications aims. Evaluation and monitoring is of import and one method of rating is by finishing selling research. ( Woodruffe 1995149,163-4 ) An advertizement, or a run of advertizements, is planned in much the same manner a successful sales representative plans the attack to be used on a personal call. The first phase is working out the scheme. This requires a thorough analysis of all available market research, personal treatments # 8211 ; or concentrate groups # 8211 ; with typical prospective purchasers of the merchandise, and cognition of all competitory merchandises and their advertisement. Based on the apprehension and penetrations derived from this information, advertisement professionals write a scheme that defines the chances that constitute the mark market to which they must direct the message and what must be communicated in order to carry the chances to take the action that is desired. With this scheme as a usher, copywriters and art managers begin to make the advertizements. At this 2nd phase they try to come up with an thought that involves the chance, pertains to his life or jobs, and is memorable. The thought can take the signifier of an unexpected set of words or a in writing symbol. It besides can be a combination of words and artworks, and even music. An advertisement thought works best when it is a wholly u nexpected yet exhaustively relevant fulfillment of the scheme. The 3rd phase is the executing of the thought. This means turning the thought into some signifier of communicating that a chance can see or hear. For print advertisement, executing involves composing text, taking exposure or commissioning drawings, set uping elements on the page ( layout ) , puting type, doing photo engravings, and so on. For broadcast advertisement, it may intend composing duologue and composing music, engaging histrions and entering voices, shooting in a studio or on location. Throughout all three of these phases, research plays an active function. Market research provides the information on which the scheme is based. Copy research may prove the comparative strength of several thoughts on little groups of consumers or larger national samples. Focus groups may bring out communications jobs in assorted headlines, exposure, histrions, or musical composings along the manner. Research remains active after t he advertizement has been executed. Often a finished print ad or broadcast commercial is tested before it appears in print or on the air, and it is non unusual to track the consequence of advertisement in the market place during the class of a run. The aim of any advertizement is to convert people that it is in their best involvements to take an action the advertizer is urging. The action may be to buy a merchandise, travel to a salesroom to seek the merchandise, use a service, ballot for a political campaigner, do a part, or even to fall in the Army. Like any personal sales representative, the advertizement tries to carry. Ad companies are maintaining the pulsation on modern-day civilization, billowing with new advanced selling techniques that are imputed through publicity. Currently, consumers? outlooks need to be exceeded for commercial success so that clients are delighted with the outcome. ? ( Jobber 1998: 13 ) Companies take pride in developing advertisement that breaks throug h the media jumble and creates enduring feelings on possible purchasers heads. It is indispensable to be seen on Television, magazines, and other media in order to demo possible purchasers that your merchandise is deserving puting in. Today, media is so incorporate into the society that it dominates the civilization. Therefore, media presence is important in act uponing consumers. The universes? civilizations are turning progressively ocular. Peoples spend less clip reading and more clip observation. Advertisers want to prosecute the spectator utilizing extremely simplified constructs that are a merger of visuals and words. They want their thoughts to pass on linguistically in seconds, yet stay imprinted on the head of the purchaser. ? Companies need to avoid the error of puting client outlooks excessively high through overdone promotional claim since this can take to dissatisfaction if public presentation falls short of outlooks? . ( Jobber 1998: 12 ) For case, Marshall Field # 82 17 ; s, a section shop in Chicago, has long used the slogan: # 8220 ; Giv e the lady what she wants.† Finding out what the client wants is one of the jobs marketing research attempts to work out. Marketing research has been defined as seeking to analyse selling jobs scientifically. It surveies people as purchasers and Sellerss, analyzing their wonts, attitudes, penchants, disfavors, and buying power. It frequently surveies specific sections of a population, such as adolescents, high-income groups, or senior citizens. Marketing research besides investigates distribution systems, pricing, publicity, merchandise design, packaging, trade name names, and about every facet of the seller-buyer relationship. Marketing research is divided into a figure of sub countries. Advertising research efforts to happen out the effectivity of advertisement. It besides seeks to larn the best media for advertisement specific merchandises: telecasting, newspapers, wireless, magazines, hoardings, and others. Market analysis attempts to place and step markets for specific mer chandises and to gauge gross revenues possible. Markets may be differentiated by population groups or by geographics. Some types of vesture are more likely to sell in Florida and California than in the northern Midwest. Some cosmetics will appeal more to black clients than to white clients. Marketing research is an expensive project, and its costs are built into the monetary values of merchandises. Almost every company in the United States that manufactures a merchandise, that provides a service, or that sells merchandises or services through retail mercantile establishments uses advertisement. Those that use it most are companies that must make a demand for several merchandises or services among many people shacking in a big country. While advertisement brings the economic systems of mass merchandising to the maker, it produces benefits for the consumer as good. Some of those economic systems are passed along to the buyer so that the cost of a merchandise sold chiefly through adver tisement is normally far less than one sold through personal sales representative. Advertising brings people immediate intelligence about merchandises that have merely come on the market. Finally, advertisement wages for the plans on commercial telecasting and wireless and for approximately two tierces of the cost of printing magazines and newspapers. Consumer goods are those that are sold to concluding users, the clients. These goods include nutrient, vesture, cars, telecasting sets, contraptions, and all those things people go to shops to buy. To sell a merchandise or good successfully you must appeal to the consumer. Companies use advertisement to lure them to travel into shops and purchase merchandises. For case, java is a really popular and fast merchandising consumer good, which will ever be in demand. A popular commercial and slogan was used by Maxwell Coffee to differiante them from other java companies. ? A Cup of Instant Culture? was the motto the company used earlier this decennary. With java imbibing on the ebb, java shapers can no longer merely offer satisfied faces grinning over cups of steaming Java. Coffee, like life styles, must be alien and sophisticated. P G’s Folger’s and Kraft General Food’s Maxwell House have spent packages non merely to maintain their jangles alive but to demo that they fit into a 30 something mindset awash with babes, callings and an amateur? s grasp for those fresh-roasted evidences. Ironically, the most efficient performing artists were two Nestle trade names that don’t offer the fresh-ground assortment: Nescafe and Taster’s Choice. Both reduced their disbursement and increased their efficiency dramatically. For Taster’s Choice, the fast one may hold been its allusions to elegance: â€Å"Is this one excessively good for your invitees? A fine-looking neighbour asks a well-coiffed hostess who’s looking to borrow some java. Nescafe evokes the alien with scenes of tropica l luster. Hills Brothers, which kept both disbursement and efficiency comparatively inactive, goes even further, taking viewing audiences on a jungle expedition filled with toucans and rain forest haze, all to the strains of tunes familiar to fans of Paul Simon. To better the merchandising of consumer goods companies are reassessing their advertisement techniques and publicities. Online advertisement gross grew 66 per centum between the first and 2nd quarters of this twelvemonth, with important additions made in the consumer-goods concern. Those are among the findings of a study based on a study of major advertisement sites that the Internet Advertising Bureau released last hebdomad. The survey, conducted by Coopers Lybrand’s New Media Group, found that entire disbursement rose to $ 214.4 million in the one-fourth ended June 30, up from $ 129.5 million in the March one-fourth. â€Å"These are the strongest consequences we’ve seen yet, † said Rich LeFurgy, presi dent of the IAB and senior frailty president of advertisement for ESPN/ABCNews Internet. The advertisement agency is a trade group whose primary members are sites that are ad-supported. The bureau’s Numberss reflect self-reported gross figures from more than 800 sites, each of which has at least $ 5,000 a month in online ad gross. The study gets a 90 per centum response rate, harmonizing to Peter Petrusky, who oversees the survey for Coopers Lybrand. The growing of ads for consumer goods was peculiarly notable given that ads for computing machines and related merchandises had been dominant since the Web’s origin. Ads for consumer goods were responsible or 30 per centum of gross in the 2nd one-fourth, up from 17 per centum in the first one-fourth. Following consumer goods were fiscal services ( 22 per centum of entire disbursement ) , computing machine goods ( 21 per centum ) , and new media and telecommunications ( 7 per centum each ) . LeFurgy said the growing demons trated that consumer-goods companies were â€Å"moving out of an experimental manner and into a committedness mode† on the Web. In decision, the client above used this information to measure the effectivity of the advertisement. They determined that the advertisement was memorable, but that the populace tended non to remember the message the client was seeking to portray. They were able to do alterations to the advertisement to better pass on the intended message. All of these types of selling are efforts to happen and make the elusive and demanding consumer. However, one of the most interesting of these responses is it grows out of the strong belief that the lone manner for selling to be effectual with the consumer of today is to radically alter and go insurgent. The selling techniques, advertisement, and publicity used by today? s companies help consumer goods and services sell rapidly. Bibliography Atiyah P.S. The Sale of Goods London: Pitman: London, 1990. Dobson A.P. Sale of Goods and Consumer Credit. London: Sweet A ; Maxwell Limted 1989. Jobber, David Principles and Practice of Marketing. London: McGraw Hill 2nd erectile dysfunction, 1998 Mowen, John C. and Minor, Micheal. Consumer Behaviour 5th ed New Jersey: Prentice Hall, 1998 Woodruffe, Helen Services Marketing. M A ; E Pitman: London, 1995

Wednesday, December 4, 2019

Australian Oligopolistic Competition-Free-Samples for Students

Question: Discuss about the Australian Oligopolistic Competition. Answer: Introduction On 30th May 2017, the Financial Review published an article by James Frost titled; Treasurer attacks banks, pushes out levy due date. This article is centered on Treasurer Scott Morrisons speech wherein he criticized the Australian banking sector as an oligopoly whose continued operation has had detrimental financial disadvantages to all Australians. The Treasurer argued that the cheap funding costs, internal modelling benefits and dominant market share have placed the big four banks at an advantageous position thus enabling them squeeze competitors to the wall. The treasurer referred to the House of Representatives Economic Committee whose review of the big four banks concluded that the banking sector is an oligopoly with the major banks having significant pricing power. This concentration of market power in the sector is a systemic risk that continues to hurt the economic interests of the population at large. Mr. Morrison stated that the government was keen on altering the state of affairs and the planned introduction of the bank levy was a move towards improving competition in the banking sector, although concerns remain whether the levy costs will be passed on to customers. However, there were mixed reactions when it came to light that as per the draft legislation, the first payment had been pushed back to March 21st. While this push had been said to affect revenue collections, the Bankers Association Chief Executive Anna Bligh welcomed the move to avoid rushing a hastily designed policy. Further concerns have been raised with respect to the draft legislation such as the likely tax grab effect on all accounts and the fact that the policy is not intended to apply to foreigners. Analysis Whereas neoclassical economists have elaborated what a competitive market entails, politics and business lobbying have made meaningless the idea of competition in Australias banking sector. Though the Australia Bankers Association argues that the banking market is competitive, of all the over 100 banks, societies and credit union operating in Australia, it is only four banks that control over 84 per cent of the mortgage market in Australia (The Australia Institute, 2017). The four banks have drawn benefit from the banking oligopoly that focuses on safe and high-margin mortgages (Janda, 2016). The banks managed to convince the regulatory body to allow them set aside lower sums of money to cover potential losses. This move allowed the banks to provide more mortgages without necessarily having to raise more capital from shareholders. As a result of this immense market dominance, it is argued that the big banks were abusing their market power. This dominance enabled them to enjoy record high profit margins for many financial years but scandals involving rigging of interest rates, poor financial advice and insurance frauds brought into question the exploitation and unaccountability that these banks have enjoyed for so long (Kaye and Westbrook, 2016). As of late 2016, there was a public outcry to alter the status quo to correct the financial systemic errors and it was agreed that reform had to be undertaken to cure the situation. Consequently, a parliamentary inquiry into the major banks was commissioned with the objective of encouraging competition and monitoring the sector closely. The House Economics Committee made proposals thereafter to have reports filed to the government twice yearly and recommended the doing away with constraints in obtaining licenses. To ensure transparency in loan pricing, it was proposed that banks should be required to share with each other customer data. Further recommendations included the setting up of a Banking and Financial Sector Tribunal at the cost of the banks and that banks had to name executives responsible for major breaches accompanied with a detailed explanation of the specifics of the breaches (Shapiro, 2016). In the 2017 budget, the Treasurer seems to have taken huge consideration of the need to introduce reforms to the banking sector. These reforms entail a bank levy in the form of tax targeting the major banks and the introduction of further measures that will promote competition and accountability in the banking system (Hawkins and Sanyal, 2017). Recommendations From the foregoing discussion, it emerges that the major causes of the so-called systemic errors in the banking sector are as a result of lack of competition and transparency in the sector. The 2017 budget reforms are therefore a welcomed move that should be zealously implemented to cure the defects in the banking sector. One recommendation to achieve this outcome is to address the concern that the banks may pass the tax costs to the customers. Although it has been assured that the tax does not apply to bank deposits or mortgages, it is recommendable that the Australian Competition and Consumer Commission should monitor closely to ensure the banks do not mislead customers in a bid to defeat the objectives of the reforms. Further, there is also need to address the unfair advantage that is enjoyed by the major banks due to the generally accepted assumption that in the event of a crisis, these big banks will most certainly receive government support. This perception endears these banks to financiers as opposed to their competitors. To ensure this inequity is removed from the picture, reforms should be adopted to provide for a criteria of ensuring that the small banks also receive monetary support from the government in the event of a crisis. This measure will lead to the realization of a fairly competitive market in terms of the neoclassical economic standards. Conclusion The fact that Australias banking sector is an oligopoly is undisputed. It is commendable that the government is taking measures to address the disquiet that has been evoked by the unpleasant state of the sector. Politics aside, all stakeholders need to work together to ensure the proposed reforms are fully effected and that further measures as recommended above are taken to ensure fair competition and transparency are upheld. This way, confidence and trust will be restored in the financial sector of the economy. The government should also focus on other sectors of the economy that are not competitive enough such as the energy sector Bibliography Degotardi, M. (2012). Competition in Banking. [Pdf] Available at: https://www2.deloitte.com/au/en/pages/economics/articles/competition-in-banking.html [Accessed 24 Aug. 2017]. Frost, J. (2017). 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