Monday, December 30, 2019
Appraisal for Democracy by Plato, Aristotle and Thucydides
In general, we can think of and consider democracy as a system or a structure of government made up of four key pillars. First, as a political system involved in choosing and interchanging the leadership through free and fair voting. The second pillar would be the active involvement of the citizens both in civic life and politics. Third is the safeguarding of the human rights of every citizen. Then finally as rule of law, which apply equally in the society. However, for the purpose of this paper, we focus on discussions of ancient Greeks on the practice and theory of democracy as a system of government. Appraisal for Democracy by Plato, Aristotle and Thucydides Plato is one dominant figure in the history of democracy. It is important to note, however, that he is in fact pivotal for the crucial questions he asked about democracy. His character is so strong such that even after veering off the publicââ¬â¢ s favor he continues to stress on the cracks of democracy. Although unpleasing to consider his reasonable points, on weakness in democracy that he pointed out continues to disturb me. Plato suggested that, a big danger lay in uniting people of different cultures and abilities. He suggested that having that unitary group under one leader, was risky for the greater good as it conferred the individual so much power that might be subject to abuse. Such an individual could probably manipulate the public through rhetoric. In my view that case is solid and has come to be proven, several
Sunday, December 22, 2019
The Question For Modern Day Society - 1949 Words
The first words in Bible are, ââ¬Å"In the beginning God created the heavens and the earthâ⬠(Genesis 1:1, English Standard Version). This statement leaves a question for modern day society. Does this verse mean God created the universe in six literal days and rest on the seventh? Or could it possibly mean this was a non-literal text that leaves room for the possibility of evolution. Evolution and Creationism have been battling over this issue for many years. What must be realized before examining these two theories is the fact that both require faith. Requiring faith means neither can be proven right completely. These two theories bring to light the literal and non-literal reading of Genesis 1 and 2. Creationism believes in the literal interpretation of the text, and evolution, specifically theistic evolution, believes in non-literal interpretation. The literal interpretation states God created everything in six days just as it states which leaves little wiggle room for the no n-literal interpretation. However, there is some scientific reasoning and fact that can reinforce their system of thinking. While a non-literal theistic evolutionist approach is a plausible option of the account in Genesis one, the Creationistââ¬â¢s literal interpretation outweighs the non-literal because the analysis of the text agrees with the literal approach and the current scientific evidence, history, and authority of scripture point to a young earth. The non-literal interpretation of the Holy ScriptureShow MoreRelatedThe Lost Tools Of Learning1396 Words à |à 6 Pagesthe modern day education system. Sayers states, ââ¬Å"if we are to produce a society of educated people, fitted to preserve their intellectual freedom amid the complex pressures of our modern society, we must turn back the wheel of progress some four or five hundred yearsâ⬠(Sayers, 1). The Trivium, a medieval education style would not only improve students education, but studentââ¬â¢s ability to bec ome critical thinkers through Grammar, Logic, and Rhetoric. With the return of the Trivium to modern day educationRead MoreThe Loved One1705 Words à |à 7 Pagestechniques to show humilityââ¬â¢s countless attempts to cheat death and by doing so, leads to the death of spiritual, emotional and cultural death of our society. Through the two texts, ââ¬Å"The Loved Oneâ⬠by Evelyn Waugh a post-war satirical novel written in 1948 that deals with the superficiality and materialism of the funeral industry in modern day society and ââ¬Å"deathâ⬠an episode of the popular British sitcom Absolutely Fabulous written in the 90ââ¬â¢s that comments on the rise of consumerism and the trivializingRead MoreNegligence Or Strict Liability?1294 Words à |à 6 PagesWould one consider including pain and suffering, which in todayââ¬â¢s modern society, as part of the remedy, pain and suffering is given consideration. Men quarreling would consider this type of compensation should an injury result from the quarrelling. If we look at this example from modern day of law, one would question if the elements of negligence were met and if so, the injured party is entitled to recover for damages. Modern day law would also consider any contributory factors or whether both partiesRead MoreAnalysis Of J Alfred Prufrock And Preludes1183 Words à |à 5 PagesElliot is seen as one of the most influential modernistic poet of all time. Elliotââ¬â¢s poems evidently highlight the real face of modern man and modern existence by exploring the social realms that society is placed under in a desolately described, modernistic world. TS Elliot describes the industrialised world in both J Alfred Prufrock and Preludes as a disjointed, dehumanised world where mundane activities are ever-present in peopleââ¬â¢s lives. Elliot focuses on using the characterââ¬â¢s viewpoint throughRead MoreModern Day American Society By Aaron Devor s Bros Before Hos : The Guy Code ``1635 Words à |à 7 PagesThe word patriarchy is rarely openly used to describe modern day American society, yet it is the root of all gender relations. The widely accepted notion that men naturally evolved to become the superior sex is a myth. Aaron Devorââ¬â¢s ââ¬Å"Becoming Members of Society: Learning the Social Meanings of Gender,â⬠and Michael Kimmelââ¬â¢s ââ¬Å"Bros Before Hos: The Guy Code,â⬠both argue that the gender hierarchy America has been built upon is the product of socialization. Devor s essay, written more like a researchRead MoreThe Cult Of Personality : Lynden Voth992 Words à |à 4 Pagesnegative connotation in our modern world typically due to the violence that their members undertake in attempting to save their way of life or convert others. The question must be asked then; what would happen if a cult became a place of community rather than a place of religious intolerance? No longer would cults be seen in negative lights such as Jamestown and similar s uicide cults, but instead be an intense bonding experience between like minded members of society. With interpersonal relationshipsRead MoreAncient Roman Clothes And Cosmetics Case Study876 Words à |à 4 PagesAssignment Topic: Clothes and Cosmetics By Vanshika Part B: Inquiry Questions Key Inquiry Question: How does Ancient Rome affect what clothes and cosmetics are produced today? What did the cosmetics consist of,were the materials harmful for your skin and how has that changed today? How did the clothes vary between different genders and ranks of people? Did everyone in the Ancient Roman society have access to clothes and cosmetics? Part C: Extended Response Word Count:770Read MoreThe Article What s Blocking Sustainability? Human Nature, Cognition, And Denial By William Rees1748 Words à |à 7 Pages Human nature, cognition, and denial by William Rees brings up an important argument that human society nowadays is no longer sustainable. Human activity, therefore, seems to be maladaptive: it selects defective genes and malicious memes as well as act in such a way so that to exploit the natural resources to the point of threatening human survival in the long run. The modern techno-industrial society in this relationship to the ecosphere support the notion that Homo Sapiens Sapiens are unsustainableRead MoreThe Continual Evolution Of A Complex Concept1045 Words à |à 5 Pagesthese words strike a similar chord, but what exactly do they have in common? The common thread is that they are all synonyms for the concept of good. Yet, as society continually and carelessly slaps the label ââ¬Å"goodâ⬠on all sorts of people, places, and things, a complex question remains: what is good? From the eleventh century to the present day, as recorded by Douglas Harper, the definition of good has continued to evolve. Originally, English speakers used the German-derived term in reference to attributesRead MoreA Male Dominant Society1816 Words à |à 7 PagesIn order to create a logical and reason based argument that the modern society is still tilted towards a male dominant society, or what the sociologists refer to as a patriarchal society, it is pivotal that a thorough understanding of the characteristics of a patriarchal society is developed. When a st rong grasp of the ideas of a patriarchal society is developed then we will be in a position to argue that it is in fact the commoditization of the female sexuality through media and other popular mediums
Saturday, December 14, 2019
Phyllis Hunter on Reading Rockets Reaction Paper Free Essays
Reaction Paper to Phyllis Hunter on Reading Rockets The podcast of Phyllis Hunter on Reading Rockets: Meet the Experts titled Teaching Reading demonstrated the importance of teaching children to read right the first time. According to Hunter (2008) reading is the first civil right because without being able to read well and strategically, one is unable to access his or her other civil rights and that teaching children to read is a schools first mission. Children need to be reading at grade level or above before completing the third grade (Hunter, 2008). We will write a custom essay sample on Phyllis Hunter on Reading Rockets: Reaction Paper or any similar topic only for you Order Now I agree with Hunterââ¬â¢s statement that good is not good enough when we can do better. Teaching children to read is one area where we cannot afford to settle for good, we must strive for best. Reading is a fundamental skill that is necessary for all future learning. Hunter (2008) discussed the need to use the research and not teach with the method that he or she feels is the right thing. Teachers need to be able to read and evaluate research to find what will be of value and has creditable in classroom instruction. Teachers must be committed to being a lifelong learner. Learning must then be incorporated into the classroom teaching practices. Stanovich Stanovich (2003) contend that ââ¬Å"scientific research about what works does not usually find its way into most classrooms. â⬠Teachers must be committed to making proven methods a part of their daily instruction techniques. According to Hunter (2008) the best schools use the proven research methods in their classroom. Taylor (2002) referenced the following characteristics of teachers who are effective in teaching children to read: Maintaining instructional balance, spark higher-level thinking by discussing what was read, teach how to transfer skills and strategies to independent reading, coaching as children are reading and writing, foster a sense of responsibility in children for their own learning, provide motivating instruction with many opportunities for reading and writing, teachers have high expectations that their pupils can do well, manage their classroom, foster strong parent relationships. If one agrees with Hunter that our children deserve the best in reading education, then one must develop the best characteristics in ones teaching style. Just as it is best to teach reading right the first time, it is best to start out on the right path using proven methods than to try to correct latter. References Hunter Phyllis, (2008). Phyllis Hunter (Teaching Reading). Reading Rockets present Meet the Experts. Retrieved September 2, 2008, from http://www. readingrockets. org/podcasts/experts Taylor, B. M. (2002). Characteristics of teachers that are effective in teaching all children to read. National Education Association. Retrieved September 2, 2008. Stanovich, P. J. , Stanovich, K. E. (2003). Using Research and Reason in Education. National Institute for Literacy. Retrieved September 2, 2008, from http://www. nifl. gov/partnershipforreading/ How to cite Phyllis Hunter on Reading Rockets: Reaction Paper, Essay examples
Friday, December 6, 2019
Impact of Tourism on Wildlife-Free-Samples-Myassignmenthelp.com
Question: Discuss about the Impact of Tourism on Wildlife. Answer: Introduction The term tourism can be defined as a travel for the purpose of business or pleasure. The theory of touring, the business that is a result of constant travel, accommodating guests, their entertainment and the task of operating tours is also involved in this term (Hong, 2015).Tourism can involve both international and domestic travelling. Tourism is a growing industry and for many countries, it is a major source of livelihood and income. Tourism tends to involve the economy of both the host country and the source country. Due to the economic slowdown in the period 2007-2008, tourism suffered a great blow. Terrorism, the outbreak of influenza virus and other such activities also played a role in affecting tourism. Tourism involves travelling places that vary from metropolitan cities, villages, beaches, mountain ranges or jungles and wildlife (Ivanov Webster 2012). This report is based on the impact of tourism on wildlife. Wildlife tourism involves observation and interacting with the local plant as well as animal life in their natural habitat. Although this kind of tourism includes eco and friendly tourism, hunting and other high intervention activities also tend to fall under the umbrella of wildlife tourism (Onofri, Nunes, 2013). In simple terms, wildlife tourism can be described as the interaction of humans with wild animals and other marine animals in their own habitat (Dann Chambers, 2013). This interaction is done in various ways, which range from active methods like hunting to passive methods like photography. In various countries like Canada, Australia, Africa, South America, Malaysia and Maldives, wildlife tourism forms and important part of the tourism industry. Recently, this sector has witnesss tremendous growth. Figure 1: Wildlife Safari disturbs parents-offspring relationship (Source: Hall Page, 2014) Water based activities in tourism like cruises, boats, fiving, water bike and others have become an important part of various tourist packages. These tend to interact with the marine animals and affect them adversely (Hall Page, 2014).This report throws light on the impacts of tourism on the wildlife including both animals in the terrestrial environment as well as in the marine. It highlights both the positive effects as well as the negative effects of tourism on these thereby underlying the harm to the life of these animals (Goeldner Ritchie, 2012). The various difficulties in the measurement of the impact of tourism have also been discussed along with the precautionary principle to their management. Impacts of tourism on wildlife Tourism has various impacts on the wildlife existence, some of which have been discussed below: Negative Impacts Wildlife tourism can cause disturbances to animals in their natural habitat. Tourism activities, which tend to based on minimal or no direct contact to the wildlife, tend to affect their lives adversely (Thurstan et al., 2012). The growing interest in being closer to the nature has boosted the resort and hotel constructions, particularly in the forests (Buckley, 2012). Taking the example of Kenya it can be said that the wildlife observing activities tend to drive the cheetah population way from their reserves, which increases the risk of inbreeding, and further endangers their species. Some specified negative impacts have been given below Effect on Breeding and feeding patterns The tourists who visit these places for photography or a hunt can affect the feeding patterns as well as the hunting of some species. An increase in the boat traffic in Manu National Park in Peru greatly disturbs the feeding of the giant otters (Kerlinger et al., 2013). Tourist guides often tend to dig up the nests of the turtle and tend to chase the swimming animals in order to provide the client with better opportunities of coming close to the nature. In Zimbabwe, the noise that tourists generate has had an effect on the drinking and feedback patterns of animals like the black rhinoceros and elephants (Lucrezi, Saayman van der Merwe, 2013). Figure 2: Tourism affects breeding and feeding patterns of the animals(Source: Murphy, 2013). Parent offspring bonds are disrupted The wildlife tourism also tends to have an effect on intra relationships between the animals. It has been observed that when these animals are observed by a group of tourists, they tend to spend less time with their offsprings (Hughes, 2013). Whales, female harp seals and other marine animals have also been affected by these. Increasing vulnerability Very often, certain species, which are viewed in wildlife tourisms, become more vulnerable to predators (Cong et al., 2014). The evidence has been observed in reptiles, mammals and birds Increased mortality and poaching Poaching is a common practice undertaken by hunters where the hunters take the lives of animals for their specific features like horns skin, pelts and other physical features. These features are useful to the hunters as the market value of these is quite high (Kibara, Odhiambo Njuguna, 2012). However, these unique physical features are very important for the animals themselves as they play a crucial rule in their survival against natural predators in their eco-system (Wongthong Harvey, 2014). Figure 3: The marine life is also spoiled by tourism. (Source: Hughes, 2013) Changes in habitat Due to pollution, which results from the smoke emitted by the vehicles carrying the tourists, a great amount of destruction is caused to natural habitats (Ziegler, Dearden Rollins, 2012). Vehicles including all-terrain vehicles, dirt bikes ad off road vehicles, which are driven across streams and other water bodies, lead to loss of stability on the steam bank and lead to erosion. Positive Impacts The tourists visiting these wildlife places help in contributing funds required for the conservation of the wild life (Murphy, 2013). The financial donations that are earned help in the conservation efforts. Some wildlife tourism operations contribute to the monitoring of wildlife general research, which is relevant to the conservation. Difficulties in Measuring the Impact of Tourism on Wildlife and application of precautionary principle to their management. Various methods have been formulated to measure the impact of Tourism on Wildlife. Methods like line transect surveys and distance-sampling methods are generally used to study the harmful effect. Line transect surveys are generally done during the morning as well as evening. However, there are certain limitations associated with these methods. For example, in distance sampling theory, many animals remain undetected (OMalley, Lee-Brooks Medd, 2013). Even in methods like visual line transect surveys, the transects are randomly placed thereby creating constraints on establishing the transects in the forest as a whole. Therefore, there is no proper method involved and these methods are often based on assumptions, which are not relevant for all kinds of situations Conclusion Therefore, from the discussion it can be stated that, tourism has an adverse impact on the wildlife habitat as well as population, both terrestrial and marine. These impacts are difficult to measure as there is no proper method to do so. The methods that exist are based on assumptions, which do not apply in all conditions. Hence, the wildlife should be preserved and tourism near wildlife areas should be limited References Buckley, R. (2012). Sustainable tourism: Research and reality.Annals of Tourism Research,39(2), 528-546. Cong, L., Wu, B., Morrison, A. M., Shu, H., Wang, M. (2014). Analysis of wildlife tourism experiences with endangered species: An exploratory study of encounters with giant pandas in Chengdu, China.Tourism Management,40, 300-310. Dann, P., Chambers, L. (2013). Ecological effects of climate change on Little Penguins Eudyptula minor and the potential economic impact on tourism.Climate Research,58(1), 67-79 Goeldner, C. R., Ritchie, J. B. (2012).Tourism: principles, practices, philosophies(No. Ed. 12). John Wiley and Sons, Inc. Hall, C. M., Page, S. J. (2014).The geography of tourism and recreation: Environment, place and space. Routledge. Hong, E. (2015). See the Third World while it lasts: The social and environmental impact of tourism with special reference to Malaysia. Hughes, K. (2013). Measuring the impact of viewing wildlife: do positive intentions equate to long-term changes in conservation behaviour.Journal of Sustainable Tourism,21(1), 42-59. Ivanov, S. H., Webster, C. (2012). Tourisms impact on growth: the role of globalization. Kerlinger, P., Burger, J., Cordell, H. K., Decker, D. J., Cole, D. N., Landres, P., ... Temple, S. (2013).Wildlife and recreationists: coexistence through management and research. Island Press. Kibara, O. N., Odhiambo, N. M., Njuguna, J. M. (2012). Tourism and economic growth in Kenya: an empirical investigation.The International Business Economics Research Journal (Online),11(5), 517. Lucrezi, S., Saayman, M., van der Merwe, P. (2013). Managing diving impacts on reef ecosystems: Analysis of putative influences of motivations, marine life preferences and experience on divers' environmental perceptions.Ocean coastal management,76, 52-63. Murphy, P. E. (2013).Tourism: A community approach (RLE Tourism). Routledge. OMalley, M. P., Lee-Brooks, K., Medd, H. B. (2013). The global economic impact of manta ray watching tourism.PloS one,8(5), e65051. Onofri, L., Nunes, P. A. (2013). Beach lovers and greens: A worldwide empirical analysis of coastal tourism.Ecological Economics,88, 49-56. Thurstan, R. H., Hawkins, J. P., Neves, L., Roberts, C. M. (2012). Are marine reserves and non-consumptive activities compatible? A global analysis of marine reserve regulations.Marine Policy,36(5), 1096-1104. Wongthong, P., Harvey, N. (2014). Integrated coastal management and sustainable tourism: A case study of the reef-based SCUBA dive industry from Thailand.Ocean Coastal Management,95, 138-146. Ziegler, J., Dearden, P., Rollins, R. (2012). But are tourists satisfied? Importance-performance analysis of the whale shark tourism industry on Isla Holbox, Mexico.Tourism Management,33(3), 692-701.
Friday, November 29, 2019
Atomic Radius Definition and Trend
Atomic Radius Definition and Trend Atomic radius is a term used to describe the size of an atom, however, there is no standard definition for this value. An atomic radius may refer to the ionic radius, covalent radius, metallic radius, or van der Waals radius. Atomic Radius Periodic Table Trends No matter what criteria you use to describe the atomic radius, the size of an atom is dependent on how far out its electrons extend. The atomic radius of an element tends to increase the further down you go in an element group. Thats because theà electrons become more tightly packed as you move across the periodic table, so while there are more electrons for elements of increasing atomic number, the atomic radius may decrease. The atomic radius moving down an element periodà or column tends to increase because an additional electron shell is added for each new row. In general, the largest atoms are at the bottom lefthand side of the periodic table. Atomic Radius Versus Ionic Radius The atomic and ionic radius is the same for atoms of neutral elements, such as argon, krypton, and neon. However, many atoms of elements are more stable as atomic ions. If the atom loses its outermost electron, it becomes a cation or positively charged ion. Examples include K and Na. Some atoms might lose multiple outer electrons, such as Ca2. When electrons are removed from an atom, it might lose its outermost electron shell, making the ionic radius smaller than the atomic radius. In contrast, some atoms are more stable if they gain one or more electrons, forming an anion or negatively charged atomic ion. Examples include Cl- and F-. Because another electron shell isnt added, the size difference between the atomic radius and ionic radius of an anion isnt as much as for a cation. The anion ionic radius is the same as or slightly larger than the atomic radius. Overall, the trend for the ionic radius is the same as for the atomic radius: increasing in size moving across and decreasing moving down the periodic table. However, its tricky to measure the ionic radius, not least because charged atomic ions repel each other. Measuring Atomic Radius You cant put atoms under a normal microscope and measure their size- although you can kind of do it using an atomic force microscope. Also, atoms dont sit still for examination; they are constantly in motion. Thus, any measure of atomic (or ionic) radius is an estimate that contains a large margin of error. The atomic radius is measured based on the distance between the nuclei of two atoms that are barely touching each other, which means the electron shells of the two atoms are just touching each other. This diameter between the atoms is divided by two to give the radius. Its important, however, that the two atoms dont share a chemical bond (e.g., O2, H2) because the bond implies an overlap of the electron shells or a shared outer shell. The atomic radii of atoms cited in the literature are usually empirical data taken from crystals. For newer elements, the atomic radii are theoretical or calculated values, based on the probable size of the electron shells. How Big Are Atoms? A picometer is 1-trillionth of a meter. The atomic radius of the hydrogen atom is about 53 picometers.The atomic radius of an iron atom is about 156 picometers.The largest measured atom is cesium, which has a radius of about 298 picometers.
Monday, November 25, 2019
Euthenasia essays
Euthenasia essays Euthanasia is also known as mercy killing, but it is hard-core murder. Killing is killing, it cannot be justified as mercy killing or killing out of compassion. Taking another human life is plain wrong, and there cannot be any exceptions whatsoever. The act of euthanasia proves to the society that life is not precious and can be ended just like that. Terminally ill patients, rather than giving up and killing themselves, should spend time with their families and doing things that they want to do. The patients should let nature take its course and not await death; rather they should enjoy and live life to the fullest, so they wont have any regrets. Euthanasia is not a safe or respectable practice and it should remain illegal, not just in Canada, but in other parts of the world. Life is a sacred gift. If a society loses its belief that life is a gift, the life in that culture will be meaningless and death will be at a very cheap cost. The Doctors in Nazi Germany did not believe that life was a sacred gift. They began authorizing euthanasia for mentally ill and deformed individuals. From mentally ill and deformed people, they started authorizing euthanasia for the undesirables. Soon, they were able to justify the extermination of six million Jews, Poles, Evangelicals, and other that seemed expendable by Hitlers Third Reich. If a society feels that it is right to end life because it is not the quality that they want it to be, soon they will be justifying other atrocities by cloaking it with masks of compassion and realism. Even patients suffering from diseases that can be cured by euthanasia are speaking out against the act. Janice Elsner, a patient suffering from a progressing muscular dystrophy, believes that life is a gift no matter what the situation. A ssisted suicide is sending the opposite message that if someone is becoming an inconvenience or a burden, they can just ...
Thursday, November 21, 2019
Deutsche Bank is a global universal bank. What are the advantages and Essay
Deutsche Bank is a global universal bank. What are the advantages and disadvantages of a global universal bank and what are som - Essay Example The Deutsche bank holds a record for being the only bank that has strived to achieve omnipresence. Evidently, universal banks exhibit multiple benefits to the clients, but a closer analysis reveals that they have certain disadvantages. This paper will highlight the advantages and disadvantages of universal banks. Moreover, the paper will analyse the issues that arise when handling tasks in the compliance department. Advantages of Universal Banks Universal banks offer their clients a diverse range of services to different clients having the opportunity to receive personalized services that conform to their banking needs. Usually individuals, groups, organizations, states and multi-national organizations exhibit varying financial needs. The fact that universal banks have the capacity to offer tailor-made services, they surpass other banks by offering each client service that conforms to personal financial needs. This is the reason why universal banks offer a high level of convenience t o the clients (Heller, Meaney & Murphy 2001, p. 78). They serve as a single-stop banks where one can access all the required financial needs. Evidently, such convenience receives emphasis from the presence of most universal banks in different regions, affording the clients an increased banking flexibility even beyond the borders. Recent research reveals that universal banks serve as critical contributors to the economy. This is because they have the capacity to support a diverse range of investments in different parts of the globe. Universal banks exert their effect on the entire economic system, altering the economic trends by providing financial breakthroughtwo different types of clients. Universal banks serve private household clients, offering arrange of appealing service packages appropriate for them (Palepu2007, p. 87). Moreover, universal banks offer a range of services to institutional clients empowering them to receive the required the financial boost to achieve their goals . This factor has served as a reliable solution to the financial problems of many institutions as they can form investment partnerships with universal banks. These services are offered at a relatively lowered funding cost compared to other banks. Evidently, universal banks register a low level of profiling costs, placing them in a better position to offer services at the lower funding cost compared to other banks. Moreover, these banks exhibit a lower funding cost themselves, explaining further why they favour all types of clients. Universal banks have served to increase the willingness of credit borrowers, a factor that has contributed to the rising returns for clients who wish to save. This has been especially advantageous to governments that exhibit financial needs that require borrowing. Moreover, this proves to be highly beneficial to other clients, and contributes to a surging growth. This has given rise to an evident rise instability of the economies by causing as the spread of innovations in different regions in the globe (PadoanBrenton & Boyd 2003, p. 34). Disadvantages Although universal banks exhibit all these benefits, they face a surging pressure to satisfy all the clients in different regions.These banks face the compulsion of maintaining a high quality of their services (Lambert&Ioma2005, p.98). They have to ensure that they are responsive; clear in communication, prompt, and a high level of integrity in offering
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