.... customers are demanding more convenient ways to do their banking. An Ernst and Young study (Technology in Banking Report) concluded that "nothing changes in the banking world if customers cannot get financial services when and where they wish...this means anywhere, at any time." Statistics show that ATM's, telephone banking, and home banking account for over fifty percent of all banking transactions today, and total non-branch activity is growing at fifteen percent a year. In one survey (Web-Tech, Inc., May 17, 1995), eighty-two percent of 18- to 34-yea .....

.... are two types of companies. There are combination carriers, which are primarily passenger airline companies that also carry cargo. And then there are “all-cargo” companies like Federal Express which only carry cargo, have fleets of planes, usually fly at night, have ground transportation, and personnel for door-to-door pick-up and delivery. The “all cargo” companies control 90% of the domestic cargo companies. Competition in the “all cargo” segment of the industry includes: UPS, DHL, Airborne Express and U.S. Postal Service. The entire industry deliv .....

.... This grip caused the central economy of Spain to grow at the expense of the colonies. During the duration of this period, the 1500's through the 1700's, mercantilism had a major effect on the economies in the New World. England’s policies and acts effected English speaking colonies. These policies and acts were means of controlling the economy of the colonies in America and strengthen the central government of England. In 1651 the European parliament enacted the first Navigation Act to undercut the Dutch’s domination. England was hoping that this Act woul .....

.... including the regulation and supervision of over 10,000 commercial banks. The organization of the Fed is included in the Appendix to this paper. The Board of Governors is the most important group within the Fed. The Board consists of seven members, each appointed for 14 years by the President of the United States. The chair of the Fed, also appointed by the President, has a term of 4 years, and is sometimes said to be the second most powerful man in the country. The Fed is an inde-pendent agency, and thus does not take orders from either the President or C .....

.... to do something is motivated. Therefore, sitting on a tack, or at least the pain associated with it is a motivator. For those of us in Graduate School, we are aware that without a "B" average we will be eliminated from the program. Maintaining that average is our motivator. Attaining the certificate of graduation is our incentive. In psychology, at its most basic, a motivator is that which impels or compels an individual to act toward meeting a need. On a physiological level, thirst, hunger and sex are motivators or drives. They are basic needs which mus .....

.... and depressions. In a normal economy, Keynes said, there is a circular flow of money. My spending becomes part of your earnings, and your spending becomes part of my earnings. For various reasons, however, this circular flow can falter. People start hoarding money when times become tough; but times become tougher when everyone starts hoarding money. This breakdown results in a recession. To get the circular flow of money started again, Keynes suggested that the central bank, the Federal Reserve System, should expand the money supply. This would put .....

.... vote and participate in government. The "Free Labor" thinking of the Republican Party before the Civil War was basically a form of the capitalist work ethic. It meant that if 1) you were free yourself; 2) your country was "free"; and, 3) there was no slave labor to take your livelihood, you could "make something of yourself," and become a capitalist or, at least, an independent producer, professional or artist. Americans in the North at that time were influenced by this capitalist "work-ethic" to under-estimate the energy of the South. They thought (as the capit .....

.... of underdevelopment to development in this country are readily apparent. This model can be useful in understanding underdevelopment in other so called "third-world" countries and in determining what is necessary for these countries to make the transition to industrialization. Geography Zimbabwe is a landlocked country in the southern, sub-Saharan area of the African continent bordered by South Africa to the South, Botswana to the West, Mozambique to the East and Zambia to the North. With an area of 391,090 km2 Zimbabwe is only slightly larger than th .....