Internet Service Provider ( Isp ) - 2018 Words

1.1 Web Architecture Internet Service Provider (ISP) This is a company/service which gives the client/user access to the internet. Companies like EE, Vodafone, and O2 etc. you can gain this internet access by either having a contract and pay monthly or using a pay as you go (PAYG) plan. The most popular ISP is British Telecoms (BT) and Sky Broadband. Web Hosting Services This is a service that gives a business/organization the ability to put their website on the internet and allow users to access it whenever they wish. This is the service that allows the user to register their domain name and to make sure that it is linked to their actual website. E.g. Tower Hamlets College has an arrangement with a web host, this allows us students to upload our class work to Moodle. Domain Name Registrars This company gives out the domain names. They have particular registrars set for certain websites .int – used for international sites .gov – used for government sites .mil – used for military sites .edu – used for educational institutions like universities Domain Structure This is broken down into 2 sections. The sub domain and the top domain. www.hotmail.com The Red part is the domain name. This is used to identify the website. The Yellow bit is the Domain extension. This identifies the actual webpage. World Wide Web This is servers that work with Hypertext Mark-up Language (HTML). This allows any documents that you have on your pc to be connected to any others by hypertextShow MoreRelatedInternet Service Providers ( Isps )1823 Words   |  8 PagesInternet Service Providers Internet Service Providers (ISPs) is a term that refers to one of the many companies that provide your basic Internet services, including personal or business access to the Internet. For a monthly fee, the service provider usually provides a software package, username, password and access phone number. They will usually give you a basic modem, so you can then log on to the Internet and then browse the World Wide Web. Web hosting services Web hosting services is a typeRead MoreInternet Service Providers ( Isp )1041 Words   |  5 PagesWeb Architecture Service Providers (ISP) A organisation who allow its subscribers access to the internet. ISP stands for Internet Service Provider and refers to companies who provide Internet services, including personal and business access to the Internet. For a monthly fee, the service provider commonly provides a software package, username, password and access phone number. Examples of Service providers are Sky, BT and Virgin. Web Hosting Services Web hosting is the business of housing, servingRead MoreInternet Service Providers ( Isp )2613 Words   |  11 Pages Internet Service Providers (ISP) Definition: it refers to a company that provides Internet services, including personal and business access to the Internet and also to an email, usually for a monthly fee. You need to be connected to an internet service provider and once you have connected to one you will be connected to the internet, without an ISP you cannot connect to the internet. What is it? In order to browse the internet you must have access to an internet service provider, this will comeRead MoreIsp ( Internet Service Provider )1628 Words   |  7 PagesISP ISP (Internet Service Provider) is an business such as Sky, BT or Talk talk that provides and installs a way to access the internet and this is directly connected with the clients that subscribe to these business by using copper wiring, wireless or by fiber-optic wire installation. Different businesses of the Internet Service Providers may be an Non- profit organization such as county councils or profit organizations like Virgin media. Web Hosting Services This allows people or organizationsRead MoreInternet Service Providers ( Isp )2132 Words   |  9 PagesINTRODUCTION In this assignment I will talk about internet services, describe a few computing terms as HTTP, WWW and other, then I will talk about security and what could cause the trouble on your machine and then, I will put all of the useful links in bibliography. WEB ARCHITECTURE Internet Service Providers (ISP) To connect to the Internet, you need an ISP. It is the company that pay for each months to use the Internet. If you use a modem to connect to your ISP, (point-to-point protocol) connection is connecterRead MoreInternet Service Providers : Isp2766 Words   |  12 PagesWeb Architecture; Internet Service Providers – ISP’s formally known as Internet Service Providers, provide internet service for customers. Companies such as Sky and Virgin will provide people with service and access to the internet for fee which is normally paid monthly. ISP can connect you to internet service in multiple ways, one of them being through a phone line and Virgin for example normally sell this as a bundle so you can get internet service and a telephone service in the same deal andRead MoreA Brief Note On Internet Service Providers ( Isp )1766 Words   |  8 PagesREPORT (P1, M1, D1) ARCHITECTURE: Internet Service Providers (ISP): https://7labs.heypub.com/tips-tricks/download-speeds-explained.html An ISP (Internet Service Provider are typically large businesses which provide access to the Internet for their subscribed customers with monthly fees. They provide dial-up, cable, fibre optic or other types of Internet access. E.g. Sky, BT, Virgin Media and TalkTalk are examples of Internet Service Providers and broadband providers. - Talk about download speeds Read MoreChoosing an Internet Service Provider Essay692 Words   |  3 PagesChoosing an Internet Service Provider As the Internet becomes more popular, both in e-commerce and personal computer use, the need for Internet Service Providers (ISP’s) grows. With so many ISP’s now in operation, the choices for service are vast and the process of finding the right provider for your needs has become much more involved than when the Internet first became accessible to the public. The first step in choosing an ISP is to know what you need. Will you be using the Internet for businessRead MoreNet Neutrality Essay1160 Words   |  5 PagesINTRODUCTION The emergence of the Internet and the World Wide Web brought upon a medium of communication with a range of opportunities for the world. However, this medium is, in due course, subject to the control of a few major companies. The enigma of information flow is the central concern of net neutrality. Consumers, competition and network owners would benefit directly from the regulation of network neutrality because it would provide a positive impact to those parties as well as provide equalityRead More Internet Service Providers Essay1707 Words   |  7 PagesInternet Service Providers In todays ever increasingly technological world, the Internet plays a big role. Its hard to find someone that does not know what a web browser or web site is. People of all ages have access to a plethora of information, just by hooking their computer up to the phone line. However, like so many other technical services today, the Internet is not always free. In order for one to log on, they must have an Internet Service Provider (ISP). An ISP is simply an organization

Business Law - 1268 Words

Chapter 3 Separation of Powers- giving distinct powers to Congress, the president, and the federal courts. Federal supremacy- cause federal statues to preempt inconsistent state law. Federal law is supreme to state law. Federalism- structures power relations between the federal government and the states. Judicial review-Courts declare the actions of other government bodies unconstitutional. Police power-broad state power to regulate for the public health, safety, morals, and welfare. Enumerated powers- (USC limits government regulatory powers in two ways). Restricts federal legislative authority by listing the powers that congress can exercise. Second, USC limits both state and federal power by placing certain†¦show more content†¦Measures discriminating woman have almost always been struck down. Illegitimacy-classification based on ones illegitimate birth receive a form of intermediate scrutiny that probably is less strict than the scrutiny given gender based classification. Reasons for federal preemption of state law There is a literal conflict between the state and the federal measures, so that it is impossible to follow both simultaneously. The federal law specifically states that is will preempt state regulation in certain areas. The federal regulation is pervasive. If congress has occupied the field by regulating a subject in great breadth and/or in considerable detail, such action by Congress may suggest an intent to displace state regulation of the subject. The state regulation is an obstacle to fulfilling the purposes of the federal law. The takings clause- Private property shall not be taken for public use without compensation. Aspects of taking clause Property-the taking clause protects other property interest besides land and interests in land. The clause has been held to cover takings of personal property, liens, trade secrets, and contract rights. Taking- range of government activities that may be considered takings. Of course, the governments use of formal condemnation procedures to acquire private property is a taking. There also may be a taking when the government physically invadesShow MoreRelatedBusiness Law And Ethics : Backoffice Business Brief1862 Words   |  8 Pages Running head: BACKOFFICE BUSINESS BRIEF 1 Business Law and Ethics BackOffice Business Brief Patten University BACKOFFICE BUSINESS BRIEF 2 Constitutional Rights and Guarantees BackOffice is a new startup business that will provide potential clients with an application (app) that woul d automate certain business functions. BackOffice will be selling the app to certain business clients that will use it to facilitate their customers’ transactions. It is important that the owner of this companyRead MoreLegal Underpinnings of Business Law Essay609 Words   |  3 PagesLegal Underpinnings of Business Law OMM 670: Legal Environment February 25, 2013 Legal Underpinnings of Business Law Business | Type of Business | Liability Exposure | Compare | Contrast | Tinker’s Home Security Service | Sole proprietorship | Unlimited | Monetary rewards are from both the Proprietor amp; business | Sole Liability | Tinker amp; Tailor’s Home Security Service | General partnership | Unlimited | All partners are responsible whether silent or active | If you areRead MoreLaw 531 Business Forms Worksheet1386 Words   |  6 Pagesï » ¿University of Phoenix Material Business Forms Worksheet There are seven forms of business: sole proprietorship, partnership, limited liability partnership, limited liability company (including the single member LLC), S Corporation, Franchise, and Corporation. 1. Research and provide three advantages and three disadvantages for each business form. 2. Provide a 100- to 200-word summary in which you provide an example business that you would start for each form. What is legally necessary toRead MoreBusiness Law3143 Words   |  13 Pages2012 – OCTOBER SEMESTER 2012 STUDENT NAME: CHU THI HONG TUYEN ID No.: 2448481 BMLW5103 – BUSINESS LAW ASSIGNMENT Question 1 Discuss the enforceability of an agreement which lacks consideration. Using legal authorities (relevant statutes and cases) to support your discussion. Answer: A valid contract is an agreement made between two or more parties that creates rights and obligations that are enforced by law. What does the consideration mean? And what does it effect to the agreement? ConsiderationRead MoreBusiness Law : Labor And Employment Law891 Words   |  4 PagesBusiness Law: Labor and Employment Law Each and every day business throughout the United States are met with challenging situations that are centered around labor and employment law. As the director of human resources for Company X, I have been tasked with analyzing three situations that may or may not violate any federal acts. The federal acts that will be considered are the Family Medical Leave Act of 1993 (FMLA), the Age Discrimination in Employment Act of 1967 (ADEA), and the Americans withRead MoreBusiness Law762 Words   |  4 PagesB Bai 1 : Business Law: 40. Principle of Law: In this case, Esposito hired Excel Construction Company to repair a porch roof. All terms of the agreement were specified in a written contract. And the dispute occurred when Excel had repaired the rear porch roof because in the agreement failed to specify whether it was the front or rear porch that needed repair. Under civil law, two parties here had signed a civil contract in writing. Because the contract failed to specify clearly front or rearRead MoreBusiness Law Development Of Mongolia2212 Words   |  9 PagesCourse Paper Myagmarsuren Jargal International American University BUS 540: Business Law for Managers Flavia LLoyd June 28, 2015 Business Law Development Issues in Mongolia Mongolia is a developing country, which is encountering challenges to develop modern business law. During the twentieth century, Mongolia had been a socialist country and developed almost fifty years of non-private property regime. However, the end of the twentieth century, the country changed its regime to democraticRead MoreBusiness Law1345 Words   |  6 PagesQn 1: Whether James can hold the Happy Holiday Hotel for the loss of his property under the common law? The issue of this case will be whether James can hold Happy Holiday Hotel responsible for the loss of his property notwithstanding the exemption clause found in the hotel rooms. Under the Exemption Clauses in Common Law, it states that in order for this clause to be valid, the clause must be included in the contract when the contract is made. If there is any attempt to include it in after theRead MoreBusiness Law1088 Words   |  5 Pagesconditional constitute consideration? Yes, such a promise consideration even if the condition is unlikely to occur. 3. What is the general rule about the adequacy of consideration? The adequacy of the consideration is irrelevant because the law does not prohibit bargains. 5. Is there consideration when a secured note for a lesser amount is given and accepted in discharge of an unsecured note for a greater amount? Explain. No, because if a secured not for a lesser amount is given andRead MoreBusiness Law2474 Words   |  10 Pagesnature of liability in negligence amp; (3.3) Explain how a business can be vicariously liable 4 (4.1) Apply the elements of the tort of negligence and defences in the above different business situations for the legal officer who is assigned to VJSC amp; (4.2) Apply the elements of vicarious liability in above different business situations for the legal officer who is assigned to VJSC 8 Conclusion 11 References 12 Introduction Law plays important roles to protect benefits, obligations and

Coffee Shop Business Plan In Australia †MyAssignmenthelp.com

Question: Discuss about the Coffee Shop Business Plan In Australia. Answer: Introduction: Organizational Structure Location The Sunrise Coffee Shop will be located in the prime section of the commercial, shopping, entertainment, and tourist district of the downtown Queensland. The caf will be located on the ground floor in a location which offers a beautiful view of the busy district and is still away from the hustle and bustle of the downtown. Its a busy place throughout the year and offers an opportunity for generating good business all the year round (Hu, 2014). Renting the shop During the start up phase we plan to rent the premises and a beautiful 2500 square foot space has been leased for a period of 2 years, which was earlier occupied by a book caf. The place has an eclectic feel to it and the woodwork and interiors are aesthetically suitable for the atmosphere we would like to create in our coffee shop (Ruta, Saul, Tomasz, 2012). Management Team In the coffee business the staff and the team make a huge difference to the sales as people look for a coffee culture and not just the beverage. Themanagement team of the Sunrise Coffee shop would be led by a manager who already has a five year experience in themanagement aspects of the beverage industry and is well versed with the inventory requirements of a Coffee shop and will devise business strategies and look after other marketing and managerial functions and the daily operations of the Sunrise Coffee (Bouncken, Kraus, 2013). Besides the manager there will be three full time baristas who would be in-charge of the coffee preparations. To meet the other staffing needs, six more employees would be hired on a part-time basis in the first year of the operation. Looking at the sales volume the strength of the part time employees would be increased accordingly in the second year (Hu, 2014). Mission and vision The Sunrise Coffee shop would like to create a unique place in the busy world today, where the people would like to come, sit down, and read or socialize over a cup of their favourite coffee and a bite of the best pastry in town. It will be a place where we hope to provide an ambience, a customer friendly serving staff, and some of the best coffee. We want the Sunrise Coffee to be a place where people can get rid of their tension and stress and enjoy a leisure time with their coffee (Xie, Zhang, Zhang, 2014). Objectives The main objectives for the Sunrise Coffee in the first year are: To make it to the list of the Best Coffee Shops by the local coffee bar and restaurant guide book and be the most preferred destination for a coffee experience in the district. To achieve a 20% profit margin towards the end of the first financial year and increase the profit margin by a minimum of 5% every subsequent year (DaSilva, Trkman, 2014). Products and Services The main product offering of the Sunrise Coffee will be roasted gourmet coffees with varieties like espresso, cappuccino, candy-bar latte, carmelicious, Mocha, White mocha, and brewed coffee. The coffees will be offered with skimmed and whole milk and also an option of soy milk. Along with the coffee line we also plan to offer teas, some other refreshment beverages, and pastries and sandwiches to go along with the beverages. We also plan to sell coffee beans to our gourmet clientele (Xie, Zhang, Zhang, 2014). External environmental factors affecting business There is high rate of both entry and exit in the coffee shop business because there are very few entry barriers to the industry in Australia. However, the coffee shops and caf industry in Australia has reflected a strong growth and is expected to grow even further as the economy of the country strengthens further. The industry revenue forecast for the industry predicts a growth rate of 4% every year over the period of the next five years starting from the year 2016-17 (Cafes and Coffee Shops in Australia, n.d.). The demand for good quality gourmet coffee has increased in Australian consumers to such a level that even during the phase of global economic recession the coffee industry continued its growth in profits as compared to the other sectors of the food and hospitality industry. This has increased the demand for smaller coffee shops and gourmet coffee houses in the different locations in the city where consumers have a quick reach to their favourite blends of coffee (Caf or coffee shop - Business ABLIS, n.d.). The start up costs of a coffee shop is pretty low as compared to the other industries. The coffee machines can be a costly equipment to be purchased by a new entrant and the best models can cost anything near $ 10000. However, coffee machines along with the other equipment and fittings can be leased, making it much more cost effective in the initial years. The industry is very fragmented and the coffee shops have a much lower share of market concentration in comparison to the other industries (Cafes and Coffee Shops in Australia, n.d.). Risks confronting the business A coffee shop is a very customer service oriented business and therefore the risk that the services might not live up to the standards perceived by the customers can prove to be bad for the business. The industry suffers from a high rate of employee turnover especially in the casual staff and this may affect the services being offered by the coffee shop adversely. Since the coffee industry has very few entry barriers, therefore it is very important to maintain the high quality of the products being offered at prices which are competitive (Salerno, DaSilva, Bagno, et al, 2015). The coffee shops face a lot of competition not just from the local cafes but also from the big national and international chains like Starbucks, Costa Coffee, and much more. Therefore, one has to plan the marketing and advertising campaigns effectively and aggressively and top up the menu with new product offerings to tap into the target market (Souto, 2015). The pricing of the final products is dependent on the supplier costs. Therefore, the menu has to carefully planned and regulated so that our products can be competitively priced and to ensure that the cost of raw materials does not exceed the cost of sales and the quality is also maintained (Souto, 2015). Business practices to enhance performance The Sunrise Coffee Shops strategy will be to target new customers, retain the old customers, and getting the existing and new customers to come back repeatedly and more often. The USP of the Sunrise Coffee Shop is providing its customer with not just a coffee of their preference but also an ambient environment in which they would like to spend some leisure time. Comfortable sofas instead of chairs and soft music will help the customers feel relaxed and will differentiate The Sunrise Coffee shop from the other competitors in the market (Salazar, Soto, Mosqueda, 2012). The baristas have been all handpicked and have a high level of professionalism along with passion for coffee which reflects in their beverages. The marketing and advertising strategy plans to use this point as a selling point in its promotional campaigns. Sunrise Coffee shop plans to promote the message of environmental awareness through its marketing and advertising campaigns. We also plan to enter into collaboration with the local environment preservation groups and promote both health and environmental awareness on our product packaging and displays in the coffee shop (Velu, 2015). Critical Functions for the business One of the key factors which affect the success rate of a coffee shop business is the target market that you select and devising a business strategy to focus on that particular segment. Another factor is to manage the cash flows and quality controls in the coffee shop and to hire not just skilled baristas but also good business managers. The other crucial element is to operate the coffee shop at full capacity and also be flexible enough to adjust the products and services according to the changing dynamics of the target customers (Saeed, Henk, Ilan, 2017). References Bouncken B. Ricardo, Kraus Sascha (2013). Innovation in knowledge-intensive industries: The double-edged sword of cooperation. Journal of Business Research, Volume 66, Issue 10, pp. 2060-2070. Retrieved from: https://www.sciencedirect.com/science/article/pii/S0148296313000568 Cafes and Coffee Shops in Australia. (n.d.). Retrieved August 09, 2017, from https://www.ibisworld.com.au/industry-trends/market-research-reports/accommodation-food-services/cafes-coffee-shops.html Caf or coffee shop - Business - ABLIS. (n.d.). Retrieved August 9, 2017, from https://ablis.business.gov.au/QLD/resource/ DaSilva M. Carlos, Trkman Peter (2014). Business Model: What it is and What it is not. Long Range Planning, Volume 47, Issue 6, pp. 379-389. Retrieved from: https://www.sciencedirect.com/science/article/pii/S0024630113000502 Hu Baoliang (2014). Linking business models with technological innovation performance through organizational learning. EuropeanManagement Journal, Volume 32, Issue 4, pp. 587-595. Retrieved from: https://www.sciencedirect.com/science/article/pii/S0263237313001254 RutaAidis, Saul Estrin, Tomasz Marek Mickiewicz (2012). Size matters: entrepreneurial entry and government. Small Business Economics, Springer Publication, Volume 39, Issue 1, pp. 119-139. Retrieved from: https://link.springer.com/article/10.1007/s11187-010-9299-y SaeedKhanagha, HenkVolberda, IlanOshri (2017). Customer co-creation and exploration of emerging technologies: The mediating role of managerial attention and initiatives. Long Range Planning, Volume 50, Issue 2, pp. 221-242. Retrieved from: https://www.sciencedirect.com/science/article/pii/S0024630115000953 Salazar L. Alejandra, Soto C. Ricardo, Mosqueda E. Rafael (2012). The impact of financial decisions and strategy on small business competitiveness. Global Journal of Business Research, Vol. 6, No. 2, pp. 93-103. Retrieved from: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1945906 Salerno S. Mario, daSilva O. Debora, Bagno B. Raoni, et al. (2015). Innovation processes: which process for which project.Technovation, Volume 35, pp. 59-70. Retrieved from: https://www.sciencedirect.com/science/article/pii/S0166497214001072 Souto E. Jaime (2015). Business model innovation and business concept innovation as the context of incremental innovation and radical innovation. Tourism Management, Volume 51, pp. 142-155. Retrieved from: https://www.sciencedirect.com/science/article/pii/S0261517715001120 VeluChander (2015). Business model innovation and third-party alliance on the survival of new firms. Technovation, Volume 35, pp. 1-11. Retrieved from: https://www.sciencedirect.com/science/article/pii/S0166497214001291 Xie L. Karen, Zhang Zili, Zhang Ziqiong (2014). The business value of online consumer reviews and management response to hotel performance. International Journal of Hospitality Management, Volume 43, pp. 1-12. Retrieved from: https://www.sciencedirect.com/science/article/pii/S027843191400125X

Risk management at wellfleet bank free essay sample

This case illustrates risk management in the world of corporate lending which is quite di? erent from the retail, subprime, and mortgage lending at the root of the recent banking turmoil. It is also interesting because Well? eet (actually, Standard Chartered PLC; ticker symbol: STAN) is one of the few banks which successfully weathered the 2007-2009 credit crisis. Chief executive Alastair Dowes has to decide if the risk governance process is adequate to uncover mega-risks in light of the current risk-assessment process and the credit decision regarding a $1bn loan application. Working for the Chief Credit O? cer (CCO) as a senior loan supervisor, you have been asked to assess and review the risks in the proposal and to make a credit recommendation, i. e. , whether Well? eet should accept the loan application or not. At the same time, you are worried about gray-area risk decisions and, in particular, the fact that risk-adjusted performance measurement can rarely be automated. We will write a custom essay sample on Risk management at wellfleet bank or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Risk governance requires executives to strike a balance between risk modeling and qualitative business judgment—a holistic (rather than silo-based) view of risks. You are preparing either an executive memo to the CCO and CEO or a presentation to WellFleet’s credit committee. The following questions are meant to guide your analysis: 1. How much credit risk should banks take? What avenues do they have to manage credit risk ex ante and ex post? 2. Research the history of WellFleet = Standard Chartered. How well has Well? eet performed? Why and how has it avoided major problems in its orporate loan portfolio? Was the bank lucky or smart? 3. Analyze the risk management process at WellFleet Bank. What suggestions might you make to the CEO about improving the process? (a) What are the objectives of loan o? cers and supervisors, respectively? What about the risk management unit? (b) Are the incentives of line and risk management units aligned? Why or why not? (c) How would you organize origination and risk management activities? What risk factors drive the credit exposure to Gatwick? Analyze what a credit bet on Gatwick really amounts to. a) Download stock prices for pure gold-mining companies such as Barrick (ticker: ABX) and Newmont (ticker: NEM) as well as a gold prices and the SP 500. Calculate the instantaneous return Rit = ln PPit . it? 1 (b) Compute the correlation matrix for the 4 variables. How would you interpret the results? (c) Run a CAPM-type regression of the gold-miner’s return Rit on a constant, the SP 500 return Rmt the gold return Gt by OLS, i. e. , estimate the following model: Rit = ? + ? Rmt + ? Gt + ? t How would you interpret the results? What does it tell you about the credit exposure? 2 5. Calculate the Expected Loss, Economic Revenue and Economic Pro? t for both proposals. What would your decision regarding the two credit proposals be? Why? (a) What steps if any could Well? eet take to reduce its credit exposure to Gatwick? (b) What avenues are open to the bank to manage its credit exposure ex ante (before and in the lending process) and ex post (after the loan went onto its books)? 6. Given Well? eet’s new focus on large corporate deals and its need to recruit relationship managers from investment banks, what are the challenges for the risk culture of the organization, and its style of risk management in particular? Risk management at wellfleet bank free essay sample This case illustrates risk management in the world of corporate lending which is quite di? erent from the retail, subprime, and mortgage lending at the root of the recent banking turmoil. It is also interesting because Well? eet (actually, Standard Chartered PLC; ticker symbol: STAN) is one of the few banks which successfully weathered the 2007-2009 credit crisis. Chief executive Alastair Dowes has to decide if the risk governance process is adequate to uncover mega-risks in light of the current risk-assessment process and the credit decision regarding a $1bn loan application. Working for the Chief Credit O? cer (CCO) as a senior loan supervisor, you have been asked to assess and review the risks in the proposal and to make a credit recommendation, i. e. , whether Well? eet should accept the loan application or not. At the same time, you are worried about gray-area risk decisions and, in particular, the fact that risk-adjusted performance measurement can rarely be automated. We will write a custom essay sample on Risk management at wellfleet bank or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Risk governance requires executives to strike a balance between risk modeling and qualitative business judgment—a holistic (rather than silo-based) view of risks. You are preparing either an executive memo to the CCO and CEO or a presentation to WellFleet’s credit committee. The following questions are meant to guide your analysis: 1. How much credit risk should banks take? What avenues do they have to manage credit risk ex ante and ex post? 2. Research the history of WellFleet = Standard Chartered. How well has Well? eet performed? Why and how has it avoided major problems in its  corporate loan portfolio? Was the bank lucky or smart? Analyze the risk management process at WellFleet Bank. What suggestions might you make to the CEO about improving the process? (a) What are the objectives of loan o? cers and supervisors, respectively? What about the risk management unit? (b) Are the incentives of line and risk management units aligned? Why or why not? (c) How would you organize origination and risk management activities? 4. What risk factors drive the credit exposure to Gatwick? Analyze what a credit bet on Gatwick really amounts to. Calculate the Expected Loss, Economic Revenue and Economic Pro? t for both proposals. What would your decision regarding the two credit proposals be? Why? (a) What steps if any could Well? eet take to reduce its credit exposure to Gatwick? (b) What avenues are open to the bank to manage its credit exposure ex ante (before and in the lending process) and ex post (after the loan went onto its books)? 6. Given Well? eet’s new focus on large corporate deals and its need to recruit relationship managers from investment banks, what are the challenges for the risk culture of the organization, and its style of risk management in particular?