Thursday, October 31, 2019
Corporate Research Paper Example | Topics and Well Written Essays - 500 words
Corporate - Research Paper Example Established in 1985 as an energy company in Houston, Texas, Enron Corporation, in a move to diversify along its business, created SPEs (Special Purpose Entities). In this spree, the much needed amount for the creation of such vehicles was received from the internal employees of the company itself. Adding to the woes, Enron started selling the energy commodities by acting as a broker and profited by the difference between the prices of sellers and buyers, as it had entered into separate contracts with them (AACSB 2002). ââ¬Å"Enron was fond of another procedure known as mark-to-market, which allowed it to increase the value of present assets held by the company by estimating future market prices. Since Enron dominated the energy trading business, the prices by which it marked-to-market were largely subjective- that is, determined by Enron itself in accordance with the earnings it wanted to report.â⬠Defying the laws further, Arthur Anderson, with an intention to show loyalty to the company, provided consultancy to the Corporation and presented misleading and faulty audit data of the Corporation to the stakeholders and investors (Rittenberg et al, 2009, p. 427). The results were graver than imagined. It left Enron bankrupt, due to losses running into billions (debt- $3 billion and losses- $638 million). Apart from financial losses, it also suffered blemishes on its reputation and delisting of its shares and stock. Employees also suffered the loss of their jobs. Data is valuable only if it is in the right hands and used in the right sense. Information contained in data is sensitive and can ruin the fate of the organization handling the data. Thus, data analysis suffers from reliability, validity, authentication and verification. Enron Corporation acted against the transparency and responsibility of being an ethical organization for its investors and invited lethal damage to its
Tuesday, October 29, 2019
Civil right Essay Example | Topics and Well Written Essays - 250 words
Civil right - Essay Example Segregation existed in all kinds, forms and shapes in the daily lives of the people mentioned in the documentary. As Foner said, ââ¬Å"They had to fight for every inch of it. Nobody gave you anything. Nothingâ⬠(957). They were dealing with people who believed in some sort of religion, where ââ¬Å"racial amalgamation is both illegal, immoral and a disgraceâ⬠As a foreigner who does not know American history well, I was stunned by the facts presented in the documentary. Watching the discussions of what occurred in the fight for human rights brought so much grief, sorrow, misery and pain to me as a viewer so I can just imagine how the Blacks felt in their struggle to acquire the equal rights they have been fighting for. The Blacks wanted to get rid of racial segregation in the state because it has not been good for them, nor the state (Medgar Evers, during TV show). It made me rethink about non-violent resistances led by Martin Luther King Jr. and how difficult it has been for him to pursue his peopleââ¬â¢s desire for freedom through the extreme opposite of what most Blacks wanted and believed in. King told the Blacks who lost their beloved fathers and sons, who were despised and who lost their jobs and houses to the Whites, that they would never use violence on their protests. ââ¬Å"There will be no White persons pulled out of their homes and taken out to some distant road and lynchedâ⬠(King, the speech of the launching of the Montgomery bus boycott), was the philosophy that the reformer believed in. I think this was a noble act which fairly received its due when the Blacks were finally recognized as human beings, worthy of a life where they are treated as they
Sunday, October 27, 2019
Energy Saving By Using Solar Panels Engineering Essay
Energy Saving By Using Solar Panels Engineering Essay Climate change concerns, coupled with high oil prices, peak oil, and increasing government support, are driving increasing renewable energy legislation, incentives and commercialization. New government spending, regulation and policies helped the industry weather the global financial crisis better than many other sectors. Renewable energy is energy that comes from natural resources such as sunlight, wind, rain, tides, waves and geothermal heat, which are renewable because they are naturally replenished at a constant rate. About 16% of global final energy consumption comes from renewables, with 10% coming from traditional biomass, which is mainly used for heating, and 3.4% from hydroelectricity. New renewables (small hydro, modern biomass, wind, solar, geothermal, and biofuels) accounted for another 3% and are growing very rapidly. The share of renewables in electricity generation is around 19%, with 16% of global electricity coming from hydroelectricity and 3% from new renewables. Si nce its emergence; renewable energy has come a long way. In was not until the 1970s that environmentalists promoted the development of alternative energy both as a replacement for the eventual depletion of oil, as well as for an escape from dependence on oil; it was at that stage that the first wind turbines appeared. On the other hand, solar had always been used for heating and cooling, but solar panels were too costly to build solar farms, until 1980. The reason why have chosen the topic of solar heating systems; solar energy for my dissertation is because among the various renewable energy sources, solar energy is one of the crucial energy sources, if not the most crucial. According to a 2011 projection by the International Energy Agency, solar power generators may produce most of the worlds electricity within 50 years, dramatically reducing the emissions of greenhouse gases that harm the environment. Before doing this report, I have to admit that the knowledge that I had regarding solar energy or solar energy systems was minimal. But since starting working on this report, I think, I have come a long way; yet, I have to admit, there has been done so much research in this field, in the past couple of decade that I would still have to go a long way before I would consider myself a specialist. This report should cater towards any individual who had heard of the solar energy, solar energy systems and how they could benefit from it. T his report also gives a brief insight into, where solar energy system (solar energy) is headed in the future. A far as the structure of my report is concerned, I will be looking into the history of solar energy, the solar energy itself, solar energy collectors solar panels; Furthermore, I would also be looking at the benefits of solar energy systems for us and the consequences, if any. On the other hand, I would also be analysing economic issues related to solar energy systems such as: the cost of heating a house or a building by the means of solar energy contra to contemporary means. Last but not the least I would be summarizing the advantages that I have discussed as well as look at some disadvantages, if there are any. I will sum up the whole report with a conclusion, thanks beforehand. History of solar energy Before we delve into the discussion of why solar energy is so needed in the world today, well first look into what solar energy really is. By definition, solar energy is that beaming light and heat that is generated from the sun. Solar energy has been used by human beings since time immemorial. The radiation that comes from solar energy along with the resultant solar energized resources such as wave power, wind, biomass and hydroelectricity all give an explanation for most of the accessible renewable energy that is present on earth. However, only an infinitesimal portion of the existing solar energy is used. Solar energy has been used by humans for thousands of years. For example, ancient cultures used energy from the sun to keep warm by starting fires with it. Ancient Egyptians built places to live that allowed stored energy from the sun during the day, and a heat release during the night. This kind of architecture: heated homes at night while keeping the temperature low during the day; buildings were designed so that, walls and floors collected solar heat during the day, that was released at night to keep them warm. If you have ever stood in the sun to get warm then you too have utilized solar thermal energy. Egyptians also used the sun as part of their mummification process, using the sun to dry dead bodies. The Egyptians used a form of passive solar power. 3rd Century B.C., Greek soldiers with the help of Archimedes, focused light on a Roman fleet by using mirrors. The Romans were invading a port city that did not have defenses ready for the attack. The mirrors were used to concentrate the energy of the sun, and cause the fleets sails to burn. The Romans retreated and the Greeks were able to prevent the invasion. The Greeks used passive solar power. 100 A.D. a historical writer by the name of Pliny the Younger, built a house in the northern part of Italy that had mica windows in one room. This one particular room demonstrated solar heating in that its mica windows stored heat, and later gave it off. This room was useful because the added heat it generated lessened the amount of wood that had to be burnt, to maintain heat. Roman bath houses had famous south facing windows that heated the rooms. Native Americans also built houses that used passive solar power. Houses were built into the side of cliffs or hills to allow storage of heat during the day, and a release of heat at night. In 1767, the worlds first solar collector was built by Swiss scientist Horace de Saussare. They also kept their homes warm through passive solar energy designs The discovery of photovoltaic happened in 1839 when the French physicist Edmond Becquerel first showed photovoltaic activity. Edmond had found that electrical current in certain materials could be increased when exposed to light. 66 years later, in 1905, we gained an understanding of Edmonds work, when the famous physicist Albert Einstein clearly described the photoelectric effect, the principle on which photovoltaic are based. In 1921 Einstein received the Nobel Prize for his theories on the photoelectric effect. Solar cells of practical use have been available since the mid 1950s when ATT Labs first developed 6% efficient silicon solar cells. By 1960 Hoffman Electronics increased commercial solar cell efficiencies to as much as 14% and today, researchers have developed cells with more than 20% efficiencies. 20% efficient means that out of the total energy that hits the surface of a solar cell; about 20% is converted into usable electricity. The first long-term practical application of PV cells was in satellite systems. In 1958 the Vanguard I, was launched into space. It was the first orbiting vehicle to be powered by solar energy. Photovoltaic silicon solar cells provided the electrical power to the satellite until 1964 when the system was shut down. The solar power system was so successful that PVs have been a part of world-wide satellite space programs ever since. The sun provides endless nonpolluting energy to the satellite power systems and demand for solar cells has risen as a result of the telecommunications revolution and need for satellites. The energy crisis and oil embargos of the 1970s made many nations aware of their dependency on controlled non-renewable energy sources and this fueled exploration of alternative energy sources. This included further research into renewable sources such as solar power, wind power and geothermal power. An economic breakthrough occurred in the 1970s when Dr. Elliot Berman was able to design a less expensive solar cell bringing the price down from $100 per watt to $20 per watt. This huge cost savings opened up a large number of applications that were not considered before because of high costs. These applications included railroads, lighthouses, off-shore oil rigs, buoys, and remote homes. For some countries and many applications, solar energy is now considered a primary energy source, not an alternative. Solar energy Solar energy is the energy derived from the sun through the form of solar radiation. Solar powered electrical generation relies on photovoltaic and heat engines. A partial list of other solar applications includes space heating and cooling through solar architecture, day lighting, solar hot water, solar cooking, and high temperature process heat for industrial purposes. In my report, I would only be looking into a few of the above mentioned solar power harnessing techniques, due to the fact that there is a limitation towards, how much material I can present in my dissertation. Solar cell A solar cell (also called a photovoltaic cell) is an electrical device that converts the energy of light directly into electricity by the photovoltaic effect. It is a form of photoelectric cell (in that its electrical characteristics e.g. current, voltage, or resistance vary when light is incident upon it) which, when exposed to light, can generate and support an electric current without being attached to any external voltage source. Passive solar or active solar Solar technologies are broadly characterized as either passive solar or active solar depending on the way they capture, convert and distribute solar energy. Active solar techniques include the use of photovoltaic panels and solar thermal collectors to harness the energy. Passive solar techniques include orienting a building to the Sun, selecting materials with favorable thermal mass or light dispersing properties, and designing spaces that naturally circulate. The Earth receives 174 petawatts (PW) of incoming solar radiation (insolation) at the upper atmosphere .Approximately 30% is reflected back to space while the rest is absorbed by clouds, oceans and land masses. The spectrum of solar light at the Earths surface is mostly spread across the visible and near-infrared ranges with a small part in the near-ultraviolet. Earths land surface, oceans and atmosphere absorb solar radiation, and this raises their temperature. Warm air containing evaporated water from the oceans rises, causing atmospheric circulation or convection. When the air reaches a high altitude, where the temperature is low, water vapor condenses into clouds, which rain onto the Earths surface, completing the water cycle. The latent heat of water condensation amplifies convection, producing atmospheric phenomena such as wind, cyclones and anti-cyclones. Sunlight absorbed by the oceans and land masses keeps the surface at an average temperature of 14 à °C. By photosynthesis green plants convert solar energy into chemical energy, which produces food, wood and the biomass from which fossil fuels are derived. Yearly Solar fluxes Human Energy Consumption Solar 3,850,000 Wind 2,250 EJ Biomass 3,000 EJ Primary energy use (2005) 487 EJ Electricity (2005) 56.7 EJ The total solar energy absorbed by Earths atmosphere, oceans and land masses is approximately 3,850,000 exajoules (EJ) per year. In 2002, this was more energy in one hour than the world used in one year. Photosynthesis captures approximately 3,000 EJ per year in biomass. The amount of solar energy reaching the surface of the planet is so vast that in one year it is about twice as much as will ever be obtained from all of the Earths non-renewable resources of coal, oil, natural gas, and mined uranium combined Solar energy can be harnessed at different levels around the world, mostly depending on distance from the equator. How solar power works Light (photons) striking certain compounds, in particular metals, causes the surface of the material to emit electrons. Light striking other compounds causes the material to accept electrons. It is the combination of these two compounds that can be made use of to cause electrons to flow through a conductor, and thereby create electricity. This phenomenon is called the photo-electric effect. Photovoltaic means sunlight converted into a flow of electrons (electricity). . Passive solar heating In passive solar building design, windows, walls, and floors are made to collect, store, and distribute solar energy in the form of heat in the winter and reject solar heat in the summer. This is called passive solar design or climatic design because, unlike active solar heating systems, it doesnt involve the use of mechanical and electrical devices. The key to designing a passive solar building is to best take advantage of the local climate. Elements to be considered include window placement and glazing type, thermal insulation, thermal mass, and shading. Passive solar design techniques can be applied most easily to new buildings, but existing buildings can be adapted or retrofitted. http://www.iklimnet.com/save/eco_images/five_elements_passive.gif Passive energy gain Passive solar technologies use sunlight without active mechanical systems (as contrasted to active solar). Such technologies convert sunlight into usable heat (water, air, and thermal mass), cause air-movement for ventilating, or future use, with little use of other energy sources. A common example is a solarium on the equator-side of a building. Passive cooling is the use of the same design principles to reduce summer cooling requirements. Some passive systems use a small amount of conventional energy to control dampers, shutters, night insulation, and other devices that enhance solar energy collection, storage, and use, and reduce undesirable heat transfer. Passive solar technologies include direct and indirect solar gain for space heating, solar water heating systems based on the thermo siphon or geyser pump, use of thermal mass and phase-change materials for slowing indoor air temperature swings, solar cookers, the solar chimney for enhancing natural ventilation, and earth sheltering. More widely, passive solar technologies include the solar furnace and solar forge, but these typically require some external energy for aligning their concentrating mirrors or receivers, and historically have not proven to be practical or cost effective for widespread use. Low-grade energy needs, such as space and water heating, have proven, over time, to be better applications for passive use of solar energy. Pragmatic approach to a productive passive solar energy Many detached suburban houses can achieve reductions in heating expense without obvious changes to their appearance, comfort or usability. This is done using good siting and window positioning, small amounts of thermal mass, with good-but-conventional insulation, weatherization, and an occasional supplementary heat source, such as a central radiator connected to a (solar) water heater. Sunrays may fall on a wall during the daytime and raise the temperature of its thermal mass. This will then radiate heat into the building in the evening. This can be a problem in the summer, especially on western walls in areas with high degree day cooling requirements. External shading, or a radiant barrier plus air gap, may be used to reduce undesirable summer solar gain. Active solar heating systems Active solar technologies are employed to convert solar energy into another more useful form of energy. This would normally be a conversion to heat or electrical energy. Inside a building this energy would be used for heating, cooling, or off-setting other energy use or costs. Active solar uses electrical or mechanical equipment for this conversion. Solar energy collection and utilization systems that do not use external energy, such as a solar chimney, are classified as passive solar technologies. Passive solar relies on the inherent thermo-dynamic properties of the system or materials to operate. They do not need external energy sources. https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFLaBC_5My_T5Y8Pj-hUI4_k4Xs3WsFLXQChm__zOfVBeJn4iBJPVVeVZqY04AKnSDnfm5whX5rw0pRjS757FYTKglQvkRTROBQuAmUBPaYsg3anOV6xsTeoD8q8sOBCzp6ElIU0rcgtLM/s1600/active-solar-heating.jpg Solar hot water systems, except those based on the thermo siphon, use pumps or fans to circulate fluid (often a mixture of water and glycol to prevent freezing during winter periods) or air, through solar collectors, and are therefore classified under active solar technology. The basic benefit of active systems is that controls (usually electrical) can be used to maximize their effectiveness. For example a passive solar thermal array which does not rely on pumps and sensors will only start circulating when a certain amount of internal energy has built up in the system. Using sensors and pumps, a relatively small amount of energy (i.e. that used to power a pump and controller) can harvest a far larger amount of available thermal energy by switching on as soon as a useful temperature differential becomes present. Controls also allow a greater variety of choices for utilizing the energy that becomes available. For example a solar thermal array could heat a swimming pool on a relatively cool morning where heating a domestic hot water cylinder was impractical due to the different stored water temperatures. Later in the day as the temperature rises the controls could be used to switch the solar heated water over to the cylinder instead. The downside to Active Solar systems is that the external power sources can fail (probably rendering them useless), and the controls need maintenance. How to buy solar panels solar water heating Shower Solar water heating can meet about a third of your hot water needs, research conducted by a UK research magazine. A solar water heating system (also known as solar thermal system) uses panels fitted to your roof to heat water for use around the home. A typical solar hot water system is able to meet around a third of a households hot water needs a saving of à £55 to à £80 on your annual water-heating bills, based on a three-bedroom semi-detached house. Householders installing solar water heating systems can get à £300 through the governments Renewable Heat Incentive Premium Payment scheme. Choosing a solar water heating system When choosing a solar water heating system, youll need to consider four major factors: your average hot water use the area of south-facing roof available your existing water heating system your budget. Youll need roughly one square meter of collector area per person in the household. Each metre of panel area will need between 30 and 60 litres of water tank volume. If you use a less efficient collector (such as flat-plate solar water heating panels), youll need to cover a larger area than if you use a more efficient collector (such as evacuated tubes). Youll also need to select system components (such as a hot water cylinder, controls and pipe work) and choose the location for your solar panels, considering shade, pipe runs, roof pitch and future access. Solar water heating installation There are plenty of solar panel installers out there, so I recommend that you always collect a range of quotes to compare. Cost effectiveness of solar water heating systems In my opinion developing common industry standards and offering public incentives is important. He emphasizes that creating public awareness programs is the key to having success in this industry, including a cleaner environment and more jobs as a consequence. It is clear that installing the application is easy for households since the technology is less complicated and cheaper than PV. According to The Solar Guide, the payback period for an investment in a solar water heating system is 3 to 5 years, although it may vary a lot in different countries due to national standards and differences in manufacturing quality. The return of investment depends on the system and the current fuel source that is being used to heat the water. It makes more sense to install a combi-system (hot water+space heating) whereby a 12-20 sq-m would completely cover a households water heating demand and a substantial part of its space heating demand in spring and in autumn. http://upload.wikimedia.org/wikipedia/commons/thumb/f/f7/SolarTrackerRoofView300W200H.jpg/220px-SolarTrackerRoofView300W200H.jpg Solar trackers may be driven by active or passive solar technology Most solar collectors are fixed in their array position mounting, but can have a higher performance if they track the path of the sun through the sky (however it is unusual for thermal collectors to be mounted in this way). Solar trackers, used to orient solar arrays may be driven by either passive or active technology, and can have a significant gain in energy yield over the course of a year when compared to a fixed array. Again passive solar tracking would rely on the inherent thermo-dynamic properties of the materials used in the system rather than an external power source to generate its tracking movement. Active Solar Tracking would utilize sensors and motors track the path of the sun across the sky. This action can be caused by geographical and time data being programmed into the controls. However, some systems actually track the brightest point in the sky using light sensors, and manufacturers claim this can add a significant extra yield over and above geographical tracking. How does Solar Thermal work? The basic mechanism of solar thermal energy is to collect the solar radiation and transfer the heat directly or indirectly to its final destination via a heat transfer medium usually a fluid. The most commonly used applications are Domestic Hot water (DHW), Combined DHW and Space Heating, District Heating, Solar Cooling and Air-Conditioning. High Temperature Solar Thermal Electricity Generation is also among solar thermal applications. (e.g. solar tower and parabolic through applications). The key component of the solar thermal systems is the collectors which can be divided into two groups: Unglazed collectors have been used in the industry for a long time, mainly for heating open-air swimming pools. There is no heat exchanger in the system, and the water is flowing directly through long thin tubes. It is cheap and easy to install. Due to the simplicity of unglazed collectors, they cannot fulfill the needs for delivering full-time energy. Unglazed collectors are mainly used in the USA and in Australia. Glazed collectors are much more efficient in supplying continuous heating and achieving higher temperatures than unglazed ones. Glazed collectors are usually rectangular boxes covered by glass, containing little pipes and tubes and a heat absorbing material inside. There are different types of collectors for different means of use. Glazed collectors are commonly used in China, Europe and the Middle East. Solar thermal collector A solar thermal collector is a solar collector designed to collect heat by absorbing sunlight. The term is applied to solar hot water panels, but may also be used to denote more complex installations such as solar parabolic, solar trough and solar towers or simpler installations such as solar air heat. The more complex collectors are generally used in solar power plants where solar heat is used to generate electricity by heating water to produce steam which drives a turbine connected to an electrical generator. The simpler collectors are typically used for supplemental space heating in residential and commercial buildings. A collector is a device for converting the energy in solar radiation into a more usable or storable form. The energy in sunlight is in the form of electromagnetic radiation from the infrared (long) to the ultraviolet (short) wavelengths. The solar energy striking the Earths surface depends on weather conditions, as well as location and orientation of the surface, b ut overall, it averages about 1,000 watts per square meter under clear skies with the surface directly perpendicular to the suns rays. A solar collector works to convert and concentrate solar energy into a more usable form. For example, a thermal collector may use a parabolic array of mirrors to focus, direct, and reflect the light of the sun to a smaller point where the heat can be used to drive some sort of turbine engine by heating the driving fluid. Another type of collector may use a flat panel array of solar photovoltaic cells to convert solar energy directly into electricity. Some metals exhibit a photoelectric property whereby when the metal is exposed to light, it causes electrons to be emitted. These metals may be arranged in a valence-covalence band configuration which generates the actual voltage within the array. Types of solar collectors for heat Solar collectors fall into two general categories: non-concentrating and concentrating. In the non-concentrating type, the collector area (i.e., the area that intercepts the solar radiation) is the same as the absorber area (i.e., the area absorbing the radiation). In these types the whole solar panel absorbs the light. Flat-plate and evacuated-tube solar collectors are used to collect heat for space heating, domestic hot water or cooling with an absorption chiller. Types of solar collectors for electricity generation Parabolic troughs, dishes and towers described in this section are used almost exclusively in solar power generating stations or for research purposes. Although simple, these solar concentrators are quite far from the theoretical maximum concentration. For example, the parabolic trough concentration is about 1/3 of the theoretical maximum for the same acceptance angle, that is, for the same overall tolerances for the system. Approaching the theoretical maximum may be achieved by using more elaborate concentrators based on non-imaging optics. Parabolic trough http://upload.wikimedia.org/wikipedia/commons/thumb/b/b5/Parabolic_trough.svg/250px-Parabolic_trough.svg.png Parabolic torough This type of collector is generally used in solar power plants. A trough-shaped parabolic reflector is used to concentrate sunlight on an insulated tube (Dewar tube) or heat pipe, placed at the focal point, containing coolant which transfers heat from the collectors to the boilers in the power station. Parabolic dish http://upload.wikimedia.org/wikipedia/commons/thumb/1/12/Parabolic-dish.jpg/220px-Parabolic-dish.jpg http://bits.wikimedia.org/static-1.21wmf3/skins/common/images/magnify-clip.png Solar Parabolic dish It is the most powerful type of collector. One or more parabolic dishes concentrate solar energy at a single focal point, -similar to a reflecting telescope which focuses starlight, or to a dish antenna used to focus radio waves. This geometry may be used in solar furnaces and solar power plants. There are two key phenomena to understand in order to comprehend the design of a parabolic dish. One is that the shape of a parabola is defined such that incoming rays which are parallel to the dishs axis will be reflected toward the focus, no matter where on the dish they arrive. The second key is that the light rays from the sun arriving at the Earths surface are almost completely parallel. So if the dish can be aligned with its axis pointing at the sun, almost all of the incoming radiation will be reflected towards the focal point of the dish-most losses are due to imperfections in the parabolic shape and imperfect reflection. Losses due to atmosphere between the dish and its focal point are minimal, as the dish is generally designed specifically to be small enough that this factor is insignificant on a clear, sunny day. Compare this though with some other designs, and you will see that this could be an important factor, and if the local weather is hazy, or foggy, it may reduce the efficiency of a parabolic dish significantly. In dish-stirling power plant designs, a Stirling engine coupled to a dynamo is placed at the focus of the dish, which absorbs the heat of the incident solar radiation, and converts it into electricity. (Solar) Power tower A power tower is a large tower surrounded by tracking mirrors called heliostats. These mirrors align themselves and focus sunlight on the receiver at the top of tower, collected heat is transferred to a power station below. Advantages Very high temperatures reached. High temperatures are suitable for electricity generation using conventional methods like steam turbine or some direct high temperature chemical reaction. Good efficiency. By concentrating sunlight current systems can get better efficiency than simple solar cells. A larger area can be covered by using relatively inexpensive mirrors rather than using expensive. Concentrated light can be redirected to a suitable location via. For example illuminating buildings. Heat storage for power production during cloudy and overnight conditions can be accomplished, often by underground tank storage of heated fluids. Molten salts have been used to good effect. Disadvantages Concentrating systems require sun tracking to maintain Sunlight focus at the collector. Inability to provide power in diffused light conditions. Solar Cells are able to provide some output even if the sky becomes a little bit cloudy, but power output from concentrating systems drop drastically in cloudy conditions as diffused light cannot be concentrated passively. Solar panel A solar panel (also solar module, photovoltaic module or photovoltaic panel) is a packaged, connected assembly of photovoltaic cells. The solar panel can be used as a component of a larger photovoltaic system to generate and supply electricity in commercial and residential applications. Each panel is rated by its DC output power under standard test conditions, and typically ranges from 100 to 320 watts. The efficiency of a panel determines the area of a panel given the same rated output an 8% efficient 230 watt panel will have twice the area of a 16% efficient 230 watt panel. Because a single solar panel can produce only a limited amount of power, most installations contain multiple panels. A photovoltaic system typically includes an array of solar panels, an inverter, and sometimes a battery and or solar tracker and interconnection wiring. Theory and construction Solar panels use light energy (photons) from the sun to generate electricity through the photovoltaic effect. The majority of modules use wafer-based crystalline silicon cells or thin-film cells based on cadmium telluride or silicon. The structural (load carrying) member of a module can either be the top layer or the back layer. Cells must also be protected from mechanical damage and moisture. Most solar panels are rigid, but semi-flexible ones are available, based on thin-film cells. Electrical connections are made in series to achieve a desired output voltage and/or in parallel to provide a desired current capability. The conducting wires that take the current off the panels may contain silver, copper or other non-magnetic conductive transition metals. The cells must be connected electrically to one another and to the rest of the system. Externally, popular terrestrial usage photovoltaic panels use MC3 (older) or MC4 connectors to facilitate easy weatherproof connections to the rest of the system. Bypass diodes may be incorporated or used externally, in case of partial panel shading, to
Friday, October 25, 2019
A Great Composer Essays -- essays research papers
Inspiration may be a form of super-consciousness, or perhaps of subconsciousnessââ¬âI wouldnââ¬â¢t know. But I am sure it is the antithesis of self-consciousness. à à à à à Only one man could claim the title as probably the greatest composer in American history for writing so many unforgettable works: Aaron Copland. He lived a life inspired by many things as well as inspiring people all across the nation, and it really led to the opposite of being drawn into himself, as he described in the quote above. He was born in Brooklyn, New York on November 14 in 1900. He was the youngest of five children to Sarah and Harris Copland. A musical spark came out in Copland already at the age of 11 as he began piano lessons with his sister. His musical talents needed tutoring from a higher level of teaching and so he studied with a professional piano teacher, Ludwig Wolfsohn, at age 14. Copland said later, ââ¬Å"No one ever connected music with my family. The idea was entirely original with me. And unfortunately the idea occurred to me seriously only at 13 or thereaboutsââ¬âwhich is rather late for a musician to get started,â⬠(Charles Mo ritz 190). He graduated in 1918 and was able to devote all his time to writing and composing music. Wanting to further his knowledge in music, he was taught harmony and counterpoint by Rubin Goldmark. Understandably, the two men shared different views and Goldmark completely disagreed with Coplandââ¬â¢s styles, so to demonstrate his own stubbornness, Copland came back to Goldmark with a piece he wrote entitled ââ¬Å"The Cat and The Mouse,â⬠(Charles Moritz 191). Copland would then attend the newly established American Conservatory at Fontainebleau in Paris, and he was honored in being the first American student of the amazing teacher, Nadia Boulanger. After three years he returned to New York without any knowledge of how a composer got his works published or performed, nor how he planned on keeping himself financially stable. Copland ended his troubling when he was given a grant of from two Guggenheim Fellowships, and some women who found an interest in his compositions that gave him some donations so he could devote all his time to writing. His first major work upon returning to America was ââ¬Å"Symphony for Organ and Orchestraâ⬠which he wrote just for the few performances of Nadia Boulanger; the first one in Carnegie Hall in 1925 and another in... ...rs Alliance. He was continually given many awards, like an Academy Award nomination for film score of ââ¬Å"North Starâ⬠, an Academy Award for best original musical score in ââ¬Å"The Heiressâ⬠, the Pulitzer Prize in music, the New York Music Critics Circle Award for ââ¬Å"Appalachian Springâ⬠, the Gold Medal of the American Academy Institute of Arts and Letters, the MacDowell Colony Medal of Honor, winning the RCA Victor Composerââ¬â¢ Competition with ââ¬Å"Dance Symphonyâ⬠, the Presidential Medal of Freedom (Americaââ¬â¢s top civilian honor), the Kennedy Center Honors, the Congressional Medal of Honor, the National Medal of Arts (given to him by President Reagan), the Commanderââ¬â¢s Cross of the Order of Merit from West Germany, the Howland Memorial Medal from Yale University, and the Department of Music at Queens College of the City University of New York was renamed Aaron Copland School of Music. After 1970, Copland continued lecturing and so me conducting as he gradually stopped composing. He died at Phelps Memorial Hospital in Tarrytown, New York on December 2 after 90 years of musical genius and American glory. His ashes were scattered at Tanglewood, but the legend of Aaron Copland resides in us all forever.
Thursday, October 24, 2019
Education System in Desperate need of Change Essay
Sir William Haley once said, ââ¬Å"Education would be so much more effective if its purpose were to ensure that by the time they leave school every boy and girl should know how much they donââ¬â¢t know, and be imbued with a lifelong desire to know itâ⬠. If students were guaranteed to leave school with knowing of what they donââ¬â¢t know and the desire to continue learning, the method of learning will be correct. Todayââ¬â¢s education system does not give students the opportunity to enjoy what they are learning. The banking method, where students are empty vessels which educators must deposit knowledge into, deprives them of creativity and the desire to learn. No child is given the chance to shine and be unique. Students today are simply being placed on a conveyer belt, sorted, and then labeled according to their so called intelligence. We need an education system that provides a slower learning method, a method where you focus on what is being learned instead of zipping through it, and the freedom to make mistakes as this will electrify and stimulate students to fulfill their potential. We must recognize students as individuals and keep in mind their diverse backgrounds. In ââ¬Å"Lives on the Boundary,â⬠Rose states, ââ¬Å"The canon has intended to push to the margins much of the literature of our nation: from American Indian songs and chants to immigrant fiction to working-class narrativesâ⬠(100). The messages that are received from the text are crucial. The students need to be able to relate to what they have before them. One of the problems with todayââ¬â¢s education system is we are given material to read, memorize, and expected to repeat it back at the snap of a finger. But without the ability to relate and connect with the material, the learning doesnââ¬â¢t take place. Everything that is read or being said is just going through one ear and out the other. By adding relatable texts, you add life to learning. In ââ¬Å"Learning in the Key of Life,â⬠Jon Spayde states, ââ¬Å"people cannot learn what they do not loveâ⬠(69). When students are reading or learning about a subject they love, they are inspired and motivated to learn more. This alone can benefit the learning process for students. It becomes much easier to grasp concepts learned in class. Todayââ¬â¢s education system does not allow all students to thrive in their own way. It is fast paced with limited space for creativeness. We are given large amounts of information at a time and attempt to move as quickly as possible through all that we can. There is never ââ¬Å"timeâ⬠to stay longer on a topic. The instructors try their hardest to keep the pace, but this way of teaching does not benefit any student. In ââ¬Å"Learning in the Key of Lifeâ⬠, Jon Spayde states, ââ¬Å"â⬠¦we are focusing far too much of our energy and resources on fast knowledge, ignoring all the richness and meaning slow knowledge adds to our livesâ⬠(68). When the focus is on just getting through the material, we are skipping over the value and richness of slow knowledge. Instead of zipping through a lesson because it needs to be done by a certain day to move onto the next, the focus needs to be on what is being learned than making a time requirement. Spayde also states, ââ¬Å"You can figure out what you can do pretty quickly, but the ethical understanding of what you ought to do comes slowlyâ⬠. We need to adopt the slow learning method, without it we are missing out on more than we think. There is so much more to learning than getting through the material, the purpose of it is to benefit and gain from it. With slow knowledge we will achieve this. One of the most important changes that needs to be done is the view on mistakes. In the article, ââ¬Å"How to Make Mistakes,â⬠Dennett states, ââ¬Å"Mistakes are not just golden opportunities for learning; they are, in an important sense, the only opportunity for learning something truly newâ⬠. When fear is being put into a student to never make a mistake, their education is stunted. They lose the ability to explore and take the chance of being wrong because they are repeatedly punished for being incorrect. When a mistake is made, students will learn where they went wrong and will then grow from it. The key to progress is making mistakes. The reason we are in school is to learn, but with this opportunity taken away from students their ability to learn is ripped from their grasp. Daniel C. Dennett also states, ââ¬Å"You should seek out opportunities to make grand mistakes, just so you can then recover from themâ⬠. Instead of using all of their energy to attempt to be perfect and run from being inaccurate, every student should look for every opportunity to be wrong. Without errors, the students can not accomplish much. If you look at Todaysââ¬â¢ education system is in desperate need of change. No student is given the opportunity to show what they are fully capable of. Instead they are told what they can do. They are simply labeled and placed where they ââ¬Å"should beâ⬠. But when students begin to pursue their mistakes and soak in the richness of slow knowledge, they will begin to truly learn. Maria Montessori once said, ââ¬Å"If education is always to be conceived along the same antiquated lines of a mere transmission of knowledge, there is little to be hoped from it in the bettering of manââ¬â¢s future. For what is the use of transmitting knowledge if the individualââ¬â¢s total development lags behind? â⬠. If many students are having difficulty learning in the method we have created ages ago, why not change it? The time is now and there is no time to waste. We must refocus this outdated system to insure that the students will have a secure future and keep the standard of living that we have today.
Wednesday, October 23, 2019
Behavioral Programme Assignment Essay
Our esteemed bank was established on 11 May 1921 and went public on 11 November 1921 in the name of Nadar Bank Limited at Ana Mavanna Building, Thoothukudi. Later we renamed as Tamilnad Mercantile Bank Limited. We had only 4 branches until 1947. The bank has now 388 full fledged branches and 732 ATMââ¬â¢s all over the India. In order to serve the rural areas, the bank extended services more in non-metro areas. Out of 388 branches, 344 branches are located in Rural, Semi Urban and Urban areas only. GROWTH: We are one of the oldest private sector banks which is continuously making profits and paying highest dividends. This was possible only with the dedicated employees at all levels who are energetic and are enthusiastic in the growth and prosperity of the bank. This made the bank to adopt the official motto: ââ¬Å"Totally Motivated Bankâ⬠Achievements and Awards : The financial express in its survey on Indiaââ¬â¢s Best Bank 2013 has ranked our bank No.1 among the Old Private Sector Banks. TMB has been rated 2nd Best Bank in Small Banks category by Business World under Indiaââ¬â¢s Best Bank 2013 TMB has received the Best Banker award in Customer Orientation and Human Resources. TMB has received ASSOCHAM India 9th Annual Summit cum Social Banking Excellence Awards 2013 ââ¬â Indiaââ¬â¢s Best Private Sector Bank 2013. FUTURE VISION OF TMB: Looking Ahead: The vision of the bank is to develop the bank into a much stronger bank withà the higher level of modernization to handle the business volume. Noble thoughts and high ideas of the team of management charged with dynamic spirit of action will take the bank to a greater height, achieving growth in strength and exhibit the bank as a model bank in the Banking industry. The bank has set itself a high standard, be it in operation, customer service or compliance to regulation. Technology upgradation and March towards Hi-Tech Cyber Banking are the current mission of the Bank. VISION STATEMENT: ââ¬Å"To be a progressive bank with strong brand equity, Enhancing the value for all the stake holders through Excellence in performance and good governanceâ⬠Medium Term Goal: Aiming to increase its total business to Rs 1 lakh crore in the next four years and to expand our branch network outside Tamil Nadu. At present we having a total business of Rs 41,000 crore in 2013-14, and planning to open a large number of branches in Andhra Pradesh, Karnataka, Kerala, Telangana, Gujarat and Maharashtra in the next 3 years. Our endeavor is to have 30-40 branches in each of these states. We are targeting a total business of Rs 50000 crore in 2014-15, and aiming to have a network of 800 branches in four years. ââ¬Å"Our medium-term goal is to make TMB a pan-India bank. After the expansion of branch network in the southern states, we will focus on widening our footprint in the northern and eastern regions of the country. ASSIGNMENT II CISCO WORK CULTURE Todayââ¬â¢s organizations face increasing demands for responsiveness, adaptability, innovation, speed, and responsible corporate citizenship. No organization can afford to dismiss the potential benefits of having a diverse and inclusive culture. So for Cisco, building an inclusive and diverse organization is an ongoing and essential business imperative. It truly believe it is their responsibility to: Empower our teams Eliminate biases Create an environment where everyone feels welcomed, valued, respected, and heard. Commitment They aim to provide employees with all the resources, programs, and training necessary to achieve their business goals. They have been giving everyone an opportunity to operate at their best selves, and provide their customers with the best and most innovative products and services. How They Are Structured By partnering with their business leaders, human resource organizations, and key stakeholders and constituents, they have built a holistic diversity framework that is embedded in every part of Cisco. They have constructed an Inclusion and Diversity Coalition, a global team that advises and supports Cisco executives at the function and region level. Along with established inclusion and diversity ambassadors, it includes advocates in the field. The team helps to accelerate program execution by reinforcing inclusion and diversity communication and expectations. Ciscoââ¬â¢s employee engagement strategy: Ciscoââ¬â¢s employee engagement strategy has yielded several benefits through the use of collaboration tools. For example, the quarterly company meeting has gone through a total transformation. In the past, Cisco held the company meetings in a physical location, usually a local convention center near the headquarters in San Jose, California. Today the quarterly company meetings are virtual. Through the use of video and collaboration technologies, employees globally can participate in these meetings and interact with senior executives through a live chat (using Cisco Jabberà ® technology). The entire event is recorded (along with chat transcripts and other documents) and shared with all employees. This approach has increased employee participation and provided a new venue for rich interaction between employees and senior executives, all of which have boosted overall employee satisfaction. Cisco uses a virtual format for other events as well such as the annual global sales experien ce (20,000-plus attendees) and strategic leadership offsite (3000-plus senior leaders). More than ever employees are conscious of their health and wellness, while employers are looking for ways to provide employees with high-quality healthcare options while keeping their costs under control. Cisco opened a state-of-the-art HealthCenter in San Jose for employees and has followed with centers at other sites. Through the use of technologies such as HealthPresenceà ® and unified communications, Cisco employees have access to some of the best healthcare systems around the world ASSIGNMENT III 3 Model Component of Commitment About the Model: John Meyer and Natalie Allen developed their Three Component Model of Commitment and published it in the 1991 ââ¬Å"Human Resource Management Review.â⬠The model explains that commitment to an organization is a psychological state, and that it has three distinct components that affect how employees feel about the organization that they work for. The three components are: 1. Affection for your job (ââ¬Å"affective commitmentâ⬠). 2. Fear of loss (ââ¬Å"continuance commitmentâ⬠). 3. Sense of obligation to stay (ââ¬Å"normative commitmentâ⬠). We can use this model to increase commitment and engagement in your team, while also helping people to experience a greater feeling of well-being and job satisfaction. Letââ¬â¢s look at each of Meyer and Allenââ¬â¢s three types of commitment in greater detail. Affection for Your Job (Affective Commitment) Affection for your job occurs when you feel a strong emotional attachment to your organization, and to the work that you do. Youââ¬â¢ll most likely identify with the organizationââ¬â¢s goals and values, and you genuinely want to be there. If youââ¬â¢re enjoying your work, youââ¬â¢re likely to feel good, and be satisfied with your job. In turn, this increased job satisfaction is likely to add to your feeling of affective commitment. Fear of Loss (Continuance Commitment) This type of commitment occurs when you weigh up the pros and cons of leavingà your organization. You may feel that you need to stay at your company, because the loss youââ¬â¢d experience by leaving it is greater than the benefit you think you might gain in a new role. These perceived losses, or ââ¬Å"side bets,â⬠can be monetary (youââ¬â¢d lose salary and benefits); professional (you might lose seniority or role-related skills that youââ¬â¢ve spent years acquiring); or social (youââ¬â¢d lose friendships or allies). The severity of these ââ¬Å"lossesâ⬠often increases with age and experience. Youââ¬â¢re more likely to experience continuance commitment if youââ¬â¢re in an established, successful role, or if youââ¬â¢ve had several promotions within one organization. Sense of Obligation to Stay (Normative Commitment) This type of commitment occurs when you feel a sense of obligation to your organization, even if youââ¬â¢re unhappy in your role, or even if you want to pursue better opportunities. You feel that you should stay with your organization, because itââ¬â¢s the right thing to do. This sense of obligation can stem from several factors. You might feel that you should remain with your organization because it has invested money or time in your training. Or perhaps it provided a reward in advance, such as paying for your college tuition. This obligation can also result from your upbringing. For instance, your family might have stressed that you should stay loyal to your organization. Note: These three types of commitment are not mutually exclusive. You can experience all three, or two of the three, in varying degrees. Applying the Model at our TMB: Affection for Your Job (Affective Commitment): We are very fortunate in having dedicated employees at all levels who have been energetic and working with untiring zeal for the good growth and prosperity of the institution for the past 92 years. The name and fame of the bank are in a large measure, due to the efficient and diligent service of the highly loyal staff members and officers. This has enabled the Bank to adopt the official motto ââ¬Å"Totally Motivated Bankâ⬠. Most of the employees in TMB are committed towards our organization. This has been proven through theà profits earned and dividends paid to the stake holders. Without the positive commitment of affectionate this would not have been possible. In TMB, employees treat themselves to be a part of the family. With this unique feature TMBianââ¬â¢s move forward and make the organization goals and achieve great heights. Fear of Loss (Continuance Commitment): Itââ¬â¢s important to do our best to grow affective commitment, and reduce our teamââ¬â¢s reliance on continuance and normative commitment, so that we can lead a team of people who feel passionate for their roles. In TMB, we having some Team members with continuance commitment, which not only impact their growth but also impacting other Team enthusiastic employees, or even lower the morale of the organization. To encourage positive changes, we will link peopleââ¬â¢s goals with those of the team or organization. If appropriate, we align our teamââ¬â¢s roles with their skills and interests, with techniques such as Job Crafting . Itââ¬â¢s important to help people find purpose in their work, which will help them to come out from the above commitment. Sense of Obligation to Stay (Normative Commitment): In our organization, some officers from STEP programme feel a sense of normative commitment since our organization has invested a lot in their training and development. Since they have been contracted for 5 years, they could not able to switch job even if they got better opportunity. To overcome this we are likely to develop affective commitment through explaining them about their growth in this esteemed organization and make them to feel & experience positive emotions at their work. Further, we will encourage these people to thrive, and to enjoy the work that theyââ¬â¢re doing. We make sure that we give praise regularly, and create a healthy workplace , so that these kind of people will be happy and productive. ASSIGNMENT IV Change is a common thread that runs through all businesses regardless of size, industry and age. Our world is changing fast and, as such, organizations must change quickly too. Organizations that handle change well thrive, whilst those that do not may struggle to survive. The concept of ââ¬Å"change managementâ⬠is a familiar one in most businesses today. But, howà businesses manage change (and how successful they are at it) varies enormously depending on the nature of the business, the change and the people involved. And a key part of this depends on how far people within it understand the change process. One of the cornerstone models for understanding organizational change was developed by Kurt Lewin back in the 1950s, and still holds true today. His model is known as Unfreeze ââ¬â Change ââ¬â Refreeze, refers to the three-stage process of change he describes. Lewin, a physicist as well as social scientist, explained organizational change using the analogy of changi ng the shape of a block of ice Lewinââ¬â¢s Three-Step Model For Implementing Change Unfreeze: This first stage of change involves preparing the organization to accept that change is necessary, which involves break down the existing status quo before you can build up a new way of operating. Key to this is developing a compelling message showing why the existing way of doing things cannot continue. This is easiest to frame when you can point to declining sales figures, poor financial results, worrying customer satisfaction surveys, or suchlike: These show that things have to change in a way that everyone can understand. To prepare the organization successfully, you need to start at its core ââ¬â you need to challenge the beliefs, values, attitudes, and behaviors that currently define it. Using the analogy of a building, you must examine and be prepared to change the existing foundations as they might not support add-on storeys; unless this is done, the whole building may risk collapse. This first part of the change process is usually the most difficult and stressful. When you start cutting down the ââ¬Å"way things are doneâ⬠, you put everyone and everything off balance. You may evoke strong reactions in people, and thatââ¬â¢s exactly what needs to done. By forcing the organization to re-examine its core, you effectively create a (controlled) crisis, which in turn can build a strong motivation to seek out a new equilibrium. Without this motivation, you wonââ¬â¢t get the buy-in and participation necessary to effect any meaningful change. Change: After the uncertainty created in the unfreeze stage, the change stage is where people begin to resolve their uncertainty and look for new ways to doà things. People start to believe and act in ways that support the new direction. The transition from unfreeze to change does not happen overnight: People take time to embrace the new direction and participate proactively in the change. A related change model, the Change Curve , focuses on the specific issue of personal transitions in a changing environment and is useful for understanding this specific aspect in more detail. In order to accept the change and contribute to making the change successful, people need to understand how the changes will benefit them. Not everyone will fall in line just because the change is necessary and will benefit the company. This is a common assumption and pitfall that should be avoided. Time and communication are the two keys to success for the changes to occur. People need time to understand the change s and they also need to feel highly connected to the organization throughout the transition period. When you are managing change, this can require a great deal of time and effort and hands-on management is usually the best approach. Refreeze: When the changes are taking shape and people have embraced the new ways of working, the organization is ready to refreeze. The outward signs of the refreeze are a stable organization chart, consistent job descriptions, and so on. The refreeze stage also needs to help people and the organization internalize or institutionalize the changes. This means making sure that the changes are used all the time; and that they are incorporated into everyday business. With a new sense of stability, employees feel confident and comfortable with the new ways of working. The rationale for creating a new sense of stability in our every changing world is often questioned. Even though change is a constant in many organizations, this refreezing stage is still important. Without it, employees get caught in a transition trap where they arenââ¬â¢t sure how things should be done, so nothing ever gets done to full capacity. In the absence of a new frozen state, it is very difficult to tackle the next change initiative effectively. How do you go about convincing people that something needs changing if you havenââ¬â¢t allowed the most recent changes to sink in? Change will be perceived as change for changeââ¬â¢s sake, and the motivation required to implement new changes simply wonââ¬â¢t be there. As part of the Refreezing process, make sure that you celebrate the success of the change ââ¬â this helps people to find closure,à thanks them for enduring a painful time, and helps them believe that future change will be successful. Applying the model at TMB : At our bank we have followed the Lewinââ¬â¢s Three-Step Model while implementing our New Logo: Unfreeze: Even though our Bank has been established in 1921, the logo was set for the bank only in 1962. Since the logo was not competent to match to the current generation of banking and also not expressed the future face of the bank. It has been decided to change the Logo. After having various meetings with our stake holders, at last our Management got approval from our stake holders to change our logo. Our Management has started the process for changing the logo of our bank after 50 years. We are well aware that changing our established logo should be approached with a great deal of caution and forethought. Only a new logo design makeover (executed correctly) can infuse our company brand with new excitement, new blood. We are the leading private sector bank with strong development in modern banking and need a logo that is more in line with, and appealing to, our vision along with modern banking facilities. Change: After got approval from stakeholders, our bank started planning on designing the new logo which should express our vision along with modern banking facilities. The organization has ready to take risk by changing the Logo. The Dispel rumors by answering the questions asked by any one the openly and honestly and also relate the need for change back to operational necessities. Our organization has announced a contest among the staff members for creating a logo which should reflects our vision and Modern banking and also to make the staff involvement. Which made everyone feel that itââ¬â¢s a right time to change Logo of our bank and will give new face to our bank. Refreeze: With help of our all staff members our bank has designed a new log which described our vision and modern banking. The magenta-and-royal-blue combo is a colourful showcase of the brandââ¬â¢s illustrious past, where the inherent DNA of our bank ââ¬â customer orientation & commitment to excellence takes center-stage. The complementary colours and the clear-cut typeface underline our bankââ¬â¢s new philosophy of staying in tune with the current generation. What holds the logo together and helps break the clutter is the clever play on the letter ââ¬ËMââ¬â¢. An amalgam of two upward arrows, ââ¬Ëthe Positive Mââ¬â¢ clearly symbolizes our bankââ¬â¢s new promise ââ¬â to be one step ahead of life. our New logo was created. On 03.05.2012, we have launched New Corporate Identity (New Logo) for our Bank in a grand function at Thoothukudi by our Managing Director & CEO in the august presence of all the Directors of our bank. Change of our New Logo was communicated to people through various medium of communication. The New logo has brought a strong believe from the public that, our bank not only a have a traditional type of banking but also have the Modern banking.
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