Author: chris

Dear writer please look at the attached and assist me to improve the work or the project. However, in this attache required more work and you have to add selection table and you have to highlight the the important data you compare with.

Complete all problems
1, 3, 7, 10, 15, 17, 21, 35
1.   What are the valid ways to declare an integer array named a? (Check all that apply.)
int [ ] a;
int a [ ] ;
array int a;
int array a;

3.   An array a has 30 elements; what is the index of its last element?
29
30
31
7.   How do you retrieve the number of elements in an array a?
a.length ( )
a.length
a.size ( )
a.size
10.   Aggregate comparison of arrays is possible in Java.
true
false
15.   What is the output of this code sequence?

17.   What is the output of this code sequence?

21.   What is the output of this code sequence?

35. Outline and discuss how to declare, instantiate and access array elements in shortest amount of code. Include your assessment on the pros and cons of this method.

Topic: RBC’s Technology and Operations; specifically their Payments and Cards applications.

Royal Bank of Canada and its subsidiaries operate under the master brand name RBC. RBC is the largest Canadian Bank and one of the largest banks in the world, based on market capitalization. RBC is one of North America’s leading diversified financial services companies, and provides personal and commercial banking, wealth management, insurance, investor services and capital markets, products and services on a global basis. RBC employs approximately 79,000 employees with over 16 million clients in over 40 countries worldwide.
Found the above information at http://www.rbc.com/aboutus/index.html
RBC Vision:
“Always earning the right to be our clients’ first choice”.
RBC Strategic Goals:
· In Canada, to be the undisputed leader in financial services.
· Globally to be a leading provider of capital markets, investor and wealth management solutions.
· In targeted markets to be the leading provider of select financial services

Values:
· Excellent services to clients and each other
· Working together to succeed
· Personal responsibility for high performance
· Diversity for growth and innovation
· Trust through integrity in everything we do

Found the above information from http://www.rbc.com/aboutus/visionandvalues.html

Sustainable Competitive Advantages/Core Competency:
RBC competitive advantages can be broken into five main groups which include client focus; their size and scale in Canada with global reach; a diversified business model; financial strength & risk management; and their employees, brand and reputation.
Found the above information from Royal Bank of Canada Annual Report 2014 page 3
Stakeholders:
RBC has four main stakeholders which are clients, shareholders, employees, and the communities
Found the above information from RBC annual report 2004
www.rbc.com/investorrelations/ar_04/english/html/stakeholders/stakeholders.html
Customer Analysis:
It has shown that over three quarters of Canadians have used online banking over the past year and online banking has been shown to be the most popular method of banking over other forms. Over 30% of Canadians have reported using mobile banking in the past year, which has increased 5% since 2010. Based on these statistics, it is clear that customers have an increased want for electronic banking and the banking industry is pushing to (Alex will finish this section).
Situation Analysis (S.W.O.T.):
Strengths:
The convenience of the technological advantage that RBC has with the new payment methods provides consumers a faster, efficient and safe way to do day to day transactions. Security is RBC’s top priority and this is a major strength that they have over other companies because it is their main focus. RBC uses a Secure Cloud where all of the information within the cloud is encrypted and stored securely. Everything is stored within your cloud and not on your phone so it is at maximum security at all times. The accessibility with this new technology is very easy for customers as it is very well put together and customer friendly for everyone. As trends continue to evolve and change, RBC has made an advancement within the technology world that will continue to impress us all.
Weaknesses:
As of right now RBC has a mobile banking application, however it isn’t very user friendly or appealing to the everyday consumer. Their biggest weakness is that they don’t have the right resources to make a leading application. A big issue for RBC is being able to recruit the top technology students out of school because they are more attracted to the non-traditional competitors such as Apple.
Opportunities:
RBC has tremendous opportunities for expansion within their cards and payments department in regards to payment through electronic devices. With the evolving technology of the cellular device this gives RBC an opportunity to evolve their services to suit the needs of its Canadian clients. A relatively new technology is the tap feature that has been implemented into cellular phones that enables users to pay wirelessly through their phones, free of any cards. This is something that RBC has already implemented into their phone app but due to the newer technology this feature is less utilized by their clients. RBC has the opportunity to capitalize on its investments in these types of technologies by increasing its marketing towards these useful features.

Several companies have also implemented card services that have the capability of accessing all of an individual’s bank, credit, gift, and membership cards with a single touch of a button. This single card has the ability to cut a person’s wallet from a series of cards to a single card for all their monetary needs. An example of this service is offered by a company called Coin.[3] This is something that RBC does not have at the moment but this could be a great opportunity for them to increase their services to suit the technological advancements that are quickly approaching.
Threats/ Competitors:
The Interruption from technology companies offering mobile payments is one of the biggest RBC payment threats. Apple Inc. and Google Inc. can place RBC into an inferior position when consumers choose to use smartphones to make payments. What’s more, Tangerine, previously recognized as ING Direct Canada, introduced newly biometric tools for its mobile banking. The old way that people entering their credit cards’ passwords can be replaced into the fingerprint scanner. The Nova Scotia bank has recently released a new app, which allows customers to check their account balances by using Samsung’s smartwatch.

Key Issues:
Entry of foreign bank companies with newly implemented technology.
Non-traditional competitors such as Google and Apple are entering the market of electronic banking.
Competition with existing competitors and the race to develop new technology and methods of electronic banking
Changes in consumer behaviour in regards to their electronic banking wants and needs.
The research and development costs associated with designing and later implementing new electronic banking technologies.
Bibliography
1. Bank tellers facing an even more uncertain future with next wave of technology. (2015, January 22). Retrieved October 6, 2015.
2. Coin. (n.d.). Retrieved October 6, 2015.
3. How Canadians Bank. (2015, July 29). Retrieved October 6, 2015.
4. Too big to disrupt? Canada’s banks fight back against the likes of Apple, Facebook. (n.d.). Retrieved October 7, 2015.

 only need 4 paragraphs in this lab report! Also, all answer need to follow my procedure.

You must look my procedure before you stard work.

Plz follow the procedure to write a lab report of Physics coures.

All paragraphs must be double spaced. 

Plz follow the introuction to write the lab report.

Introuction:

1.Discuss the accuracy of results obtanied. Identify possible sources of error. 

2.Discuss the experimental results in relation to accepted principles; were these theories verified by the experiment? 

3.Discuss results obtained with respect to the stated purpose of the experiment. 

4.Do you have any recommendations in the equipment or procedure?

There are anti-stigma efforts taking place across many states in the U.S. and several countries.  Identify a state or country with an active campaign that has been researched for its effectiveness. Outline the initiatives that are part of that campaign with specifics about its approaches to combatting stigma. Discuss the possible effectiveness and possible unintended negative consequences of the campaign and/or its components in reducing stigma.  Include the website(s) for the campaigns.

Ethical Decision-Making Essay (10%-15% of overall course grade)
Overview
You will be given a case study by your instructor. The case study presents an ethical dilemma that requires an ethical decision. In a 600-800 word (typed) essay, you will analyze the situation using more than one ethical theory, briefly explain the ethical theories and concepts, and consider how these theories might be applied to this scenario. You will consider the implications or consequences if these ethical perspectives are applied. You will also analyze the situation from your own personal ethical perspective and clarify the values and beliefs that guide your ethical decision-making. A glossary of terms and references are listed on the last page of this assignment.
Essay Guidelines:
Create the Introduction (first paragraph)
Clearly state the ethical dilemma that will be analyzed in the essay (topic sentence).
Write as if you do not know who will be reading your essay.
Provide all relevant information so the reader has a full understanding of the issue.
Summarize the situation with fairness to all parties: Who were the people involved? What happened? Where and when did this take place?
Acknowledge the complexities of the situation and why the context is important.
Why is this an ethical issue? Is it significant enough to take action?
Why is an ethical decision required?
Clearly state the purpose (THESIS STATEMENT). Tell the readers what will follow and why they should continue reading.
Develop the Body (3-5 paragraphs)
Analyze the situation using more than one ethical theory (given in lectures, online resources, and the course textbook).
The Utilitarian Approach
The Rights Approach
The Fairness or Justice Approach
The Common Good Approach
The Virtue Approach
Reference: “A Framework for Thinking Ethically.” Markkula Center for Applied Ethics. Santa Clara University. May 2009.
The NCA Credo for Ethical Communication p.13
The Golden Rule p.34, 65
4 Principles of Interpersonal Ethics p. 151
Ethical Group Decision-Making p. 204
Reference: Engleberg, Isa N. & Wynn, Dianna R. Think Communication. 3rd Edition. Pearson
;Education, Inc. 2015.
Explain the key concepts and rules of each theory citing the sources in-text. What ethical rule from each theory might apply to this situation? (1-2 paragraphs)
Consider the implications and consequences of each decision if the character applied these perspectives or rules to this situation. Consider alternate perspectives and reasons why the character may decide not to act in an ethical manner. (1-2 paragraphs)
If you were involved in a situation like this, what would you do? Analyze the situation from your own ethical perspective. Clarify the beliefs and values that guide your ethical thinking, conduct, and decision-making. (1 paragraph)
Follow these writing guidelines:
Start each paragraph with a topic sentence that effectively states the purpose of the paragraph (a claim, statement, assertion, argument).
Develop sentences that are logical and clear. Ideas should flow logically. Paragraphs should be unified and work together to support the thesis.
Make paragraphs coherent by using effective and appropriate transitions between ideas and paragraphs.
Develop main ideas in depth by using a variety of supporting material: examples and illustrations, expert opinion, statistics, reasons and research evidence.
Stay focused on the purpose and stick to the questions throughout the essay.
Show how each point is relevant to that question.
Write the Conclusion
Restate the thesis.
Provide closure:
A link to the introduction.
A challenge to the reader.
A personal idea that relates to the ethical issue.
An appeal to the reader’s needs or values.
Essay Checklist and Important Reminders
The essay should not sound as if the writer is answering a series of questions.
The purpose of the essay should be clear to the reader.
The thesis should be clearly stated in the introduction.
Relevant background information should be provided in the introduction so the audience has a clear understanding of the ethical issue and why an ethical decision is required.
The introduction should engage the reader.
Essay is well-organized.
Essay is written in Standard English.
Essay is free of grammatical and syntax errors.
Word choice and phrases are appropriate and effective.
Main ideas are fully developed, supported, and show critical thinking.
Ideas flow logically. Sentence structure is correct, coherent, and varied.
Outside sources are integrated smoothly in the essay. The essay includes correctly formatted in-text citations and a correct Works Cited page.
The essay follows MLA guidelines.
The conclusion provides closure and restates the thesis.
The essay reflects a sense of audience.
The tone and style are appropriate for the essay’s purpose and audience.
There is a clear voice and point of view. The writer is identified with a quality (honesty, sincerity, intelligence). The audience should get a sense of the writer.
Facts are distinguished from opinions.
Opinions are supported and qualified.
Opposing views are represented fairly.
If plagiarism is evident in the essay, .. .………. (instructor adds his or her policy)
Essay is spell-checked and edited.
Sources: Rubric for English 1301 Assessment, Brookhaven College 2008-2009; Brookhaven College Grading Standards for English Essays
Format Requirements
Your name and section number on the top of the first page
Double-spaced
12-point Times New Roman (no script or bold)
600 – 800 words total; the equivalent of 2 ½ – 3 ½ pages
Effective usage, word, and phrase choices; proper spelling, syntax, and grammar
Glossary of Ethical Terms
A core belief is a principle or fundamental belief which guides a person’s actions or decisions. A core belief can change over time.
Ethics refer to standards of right and wrong that influence our core beliefs and values, our ethical conduct and ethical thinking. Our ethics guide our daily actions and behavior, including our communication with family, friends, co-workers, and the community. Ethics also refers to the study and development of one’s ethical standards.
Character traits associated with ethics include honesty, truth-seeking, integrity, responsibility, respect, compassion and empathy.
An ethical issue is a problem or situation that requires a person to choose between alternatives based on standards of moral conduct.
Ethical standards impose obligations to “do the right thing,” to stand up for our rights and the rights of others.
Ethical perspectives/concepts are the different theoretical means through which ethical issues are analyzed, such as ethical theories (e.g. utilitarian, natural law, virtue) or ethical concepts (e.g. rights, justice, duty).
Ethical Reasoning is reasoning about right and wrong human conduct. It requires students to be able to assess their own ethical values and the social context of problems, recognize ethical issues in a variety of settings, think about how different ethical perspectives might be applied to ethical dilemmas and consider the ramifications of alternative actions. Students’ ethical self-identity evolves as they practice ethical decision-making skills and learn how to describe and analyze positions on ethical issues.
Context is the historical, cultural, professional, or political situation, background, or environment that applies to a given ethical issue.
A perspective is a world view that informs core beliefs and ethical opinions. It is how one sees oneself, other people, and the world. Perspectives are not limited to theories and concepts in ethical philosophy. They may also include political and religious convictions, cultural assumptions, and attitudes shaped by one’s family, background, and experiences.
Glossary from the Ethical Reasoning VALUE Rubric copyrighted 2010 by the Association of Colleges and Universities, Stephen F. Austin State University’s Personal Responsibility Rubric 2014, and the Ethics Resource Center website.
Resources
Baldwin, John R. “Ethics: Can We Determine What Is Right or Wrong Across Cultures?” School of
Communication. Illinois State University. Updated May 20, 2013. Accessed Web 1 August 2014.
http://my.ilstu.edu/~jrbaldw/372/Ethics.htm
This is reading material that Baldwin posts for his class, COM 372, Theory and Research in Intercultural Communication.  Besides defining ethics, he describes five classical approaches to ethics and three principles of ethical communication, which piggyback on the NCA Code of Ethics. He cites numerous authors and ends with case studies.

http://www.ethics.org/page/ethics-toolkit
The Ethics Resource Center primarily focuses on business ethics or workplace ethics.  If you open the “Resources” link and click “Ethics Toolkit,” you will find an excellent glossary of ethical terms, definition of values, and an ethical decision-making link which goes above and beyond the basic decision-making model and applies each step to an ethical dilemma in an organization.  It is extensive and in-depth.
Frey, William. “Ethics of Teamwork.” Connexions. December 2, 2013. Rice University. Web. 28.July.2014 Accessed. http://cnx.org/content/m13760/latest/
Sternberg, Robert J.  “Teaching for Ethical Reasoning in Liberal Education.”  Liberal Education.  Summer 2010.
This article really helped me understand the purpose of this assignment.  Sternberg gives a good rationale why ethical reasoning should be taught across disciplines. He makes it clear that we are not teaching ethics or values.  We are teaching a process of reasoning or a way of thinking about issues of right and wrong.  He is much more concerned about the reasoning processes that lead students to a conclusion as opposed to the conclusions they reach.
Velasquez Manuel, Moberg, Dennis, Meyer, Michael J., Shanks, Thomas, McLean, Margaret R., DeCosse, David, André, Claire, Hanson, Kirk O. “A Framework for Thinking Ethically.” Markkula Center for Applied Ethics. Santa Clara University. May 2009. Web 7 August 2014 Accessed.
USC Levan Institute Online Ethics Resource Center. University of Southern California. http://dornsife.usc.edu/usc-levan-institute-online-ethics-center/
This website provides faculty with strategies for incorporating ethics into their courses. Includes an Ethics Toolkit, Teaching Ethics, and Moral Education Research.
Wilson, Chloe. “Picking Up the Slack.” The Big Q. Markkula Center for Applied Ethics. March 11, 2013. Santa Clara University. Web. 28 July 2014 Accessed.

Multiple Choice Questions(Enter your answers on the enclosed answer sheet)

1) Zellars, Inc. is considering two mutually exclusive projects, A and B. Project A costs

$75,000 and is expected to generate $48,000 in year one and $45,000 in year two.

Project B costs $80,000 and is expected to generate $34,000 in year one, $37,000

in year two, $26,000 in year three, and $25,000 in year four. Zellars, Inc.’s required

rate of return for these projects is 10%. The net present value for Project A is:

a. $5,826

b. $6,347

c. $18,000

d. $9,458

2) Zellars, Inc. is considering two mutually exclusive projects, A and B. Project A costs

$75,000 and is expected to generate $48,000 in year one and $45,000 in year two.

Project B costs $80,000 and is expected to generate $34,000 in year one, $37,000

in year two, $26,000 in year three, and $25,000 in year four. Zellars, Inc.’s required

rate of return for these projects is 10%. The net present value for Project B is:

a. $18,097

b. $42,000

c. $34,238

d. $21,378

3) Zellars, Inc. is considering two mutually exclusive projects, A and B. Project A costs

$75,000 and is expected to generate $48,000 in year one and $45,000 in year two.

Project B costs $80,000 and is expected to generate $34,000 in year one, $37,000

in year two, $26,000 in year three, and $25,000 in year four. Zellars, Inc.’s required

rate of return for these projects is 10%. The internal rate of return for Project B is:

a. 18.64%

b. 16.77%

c. 20.79%

d. 26.74%

4) All of the following are criticisms of the payback period criterion except:

a. Time value of money is not accounted for.

b. It deals with accounting profits as opposed to cash flows.

c. Cash flows occurring after the payback are ignored.

d. None of the above; they are all criticisms of the payback period criteria.

5) A significant disadvantage of the payback period is that it:

a. Does not properly consider the time value of money.

b. Is complicated to explain.

c. Increases firm risk.

d. Provides a measure of liquidity.

Unit 3 Examination

137

Introduction to Financial Management

6) A one-sign-reversal project should be accepted if it ________.

a. generates an internal rate of return that is higher than the profitability index

b. produces an internal rate of return that is greater than the firm’s discount rate

c. results in an internal rate of return that is above a project’s equivalent annual annuity

d. results in a modified internal rate of return that is higher than the internal rate of

return

7) A significant disadvantage of the internal rate of return is that it:

a. It does not give proper weight to all cash flows.

b. It is expressed as a percentage.

c. Does not fully consider the time value of money.

d. Can result in multiple rates of return (more than one IRR).

8) The recapture of net working capital at the end of a project will ________.

a. increase terminal year free cash flow

b. decrease terminal year free cash flow by the change in net working capital times the

corporate tax rate

c. increase terminal year free cash flow by the change in net working capital times the

corporate tax rate

d. have no effect on the terminal year free cash flow because the net working capital

change has already been included in a prior year

9) Determine the five-year equivalent annual annuity of the following project if the appropriate discount rate is 16%:

Initial Outflow = $150,000

Cash Flow Year 1 = $40,000

Cash Flow Year 2 = $90,000

Cash Flow Year 3 = $60,000

Cash Flow Year 4 = $0

Cash Flow Year 5 = $80,000

a. $9,872

b. $8,520

c. $7,058

d. $9,454

Unit 3 Examination

138

Introduction to Financial Management

10) A project would be acceptable if:

a. The net present value is positive.

b. The payback is greater than the discounted equivalent annual annuity.

c. The equivalent annual annuity is greater than or equal to the firm’s discount rate.

d. The profitability index is greater than the net present value.

11) Which of the following methods of evaluating investment projects can properly evaluate projects of unequal lives?

a. The equivalent annual annuity.

b. The internal rate of return.

c. The payback.

d. The net present value.

12) Taste Good Chocolates develops a new candy bar and plans to sell each bar for $1.

Taste Good predicts that 1 million candy bars will be sold in the first year if the new

candy bar is produced and sold, and includes $1 million of incremental revenues in

its capital budgeting analysis. A senior executive in the company believes that 1 million candy bars will be sold, but lowers the estimate of incremental revenue to

$700,000. What would explain this change?

a. excessive marketing costs to sell the 1 million candy bars

b. a lower discount rate

c. cannibalization of 300,000 of Taste Good Chocolates’ other candy bars

d. a higher selling price for the new candy bars

13) JW Enterprises is considering a new marketing campaign that will require the addition

of a new computer programmer and new software. The programmer will occupy an

office in JW’s current building and will be paid $8,000 per month. The software

license costs $1,000 per month. The rent for the building is $4,000 per month. JW’s

computer system is always on, so running the new software will not change the

current monthly electric bill of $900. The incremental expenses for the new marketing campaign are:

a. $8,000 per month.

b. $13,000 per month.

c. $13,900 per month.

d. $9,000 per month.

14) Increased depreciation expenses affect tax-related cash flows by

a. increasing taxable income, thus increasing taxes.

b. decreasing taxable income, thus reducing taxes.

c. pushing a corporation into a higher tax bracket.

d. decreasing taxable income, with no effect on cash flow since depreciation is a noncash expense.

Unit 3 Examination

139

Introduction to Financial Management

15) When terminating a project for capital budgeting purposes, the working capital outlay

required at the initiation of the project will

a. not affect the cash flow.

b. decrease the cash flow because it is an outlay.

c. increase the cash flow because it is recaptured.

d. decrease the cash flow because it is a historical cost.

16) If depreciation expense in year one of a project increases for a highly profitable

company, ________.

a. net income decreases and incremental free cash flow decreases

b. net income increases and incremental free cash flow increases

c. the book value of the depreciating asset increases at the end of year one

d. net income decreases and incremental free cash flow increases

17) Which of the following is NOT considered in the calculation of incremental cash

flows?

a. tax saving due to increased depreciation expense

b. interest payments if new debt is issued

c. increased dividend payments if additional preferred stock is issued

d. both b and c

18) If bankruptcy costs and/or shareholder under diversification are an issue, what measure of risk is relevant when evaluating project risk in capital budgeting?

a. Total project risk

b. Beta risk

c. Capital rationing risk

d. Contribution-to-firm risk

19) The average cost associated with each additional dollar of financing for investment

projects is ________.

a. the incremental return

b. the marginal cost of capital

c. CAPM required return

d. the component cost of capital

Unit 3 Examination

140

Introduction to Financial Management

20) A firm with positive MVA is ________.

a. controlling operating expenses extremely well

b. using investments to produce what investors perceive to be positive net present

values

c. experiencing monetary volatility acceleration

d. likely to have an unhappy group of common stockholders

21) Two factors that cause the investor’s required rate of return to differ from the

company’s cost of capital are ________.

a.  taxes and risk

b.  taxes and transactions costs

c.  transactions costs and risk

d.  risk and opportunity cost differences

22) Royal Mediterranean Cruise Line’s common stock is selling for $22 per share. The

last dividend was $1.20, and dividends are expected to grow at a 6% annual rate.

Flotation costs on new stock sales are 5% of the selling price. What is the cost of

Royal’s retained earnings?

a. 12.09%

b. 11.45%

c. 11.78%

d. 5.73%

23) Cost of capital is

a. the average cost of the firm’s assets.

b. a hurdle rate set by the board of directors.

c. the coupon rate of debt.

d. the rate of return that must be earned on additional investment if firm value is to

remain unchanged.

Unit 3 Examination

141

Introduction to Financial Management

24) Acme Conglomerate Corporation operates three divisions. One division involves significant research and development, and thus has a high-risk cost of capital of 15%.

The second division operates in business segments related to Acme’s core business,

and this division has a cost of capital of 10% based upon its risk. Acme’s core business is the least risky segment, with a cost of capital of 8%. The firm’s overall weight

ed average cost of capital of 11% has been used to evaluate capital budgeting projects for all three divisions. This approach will

a. favor projects in the core business division because that division is the least risky.

b. favor projects in the research and development division because the higher risk projects look more favorable if a lower cost of capital is used to evaluate them.

c. not favor any division over the other because they all use the same company-wide

weighted average cost of capital.

d. favor projects in the related businesses division because the cost of capital for this

division is the closest to the firm’s weighted average cost of capital.

25) Market value added is equal to

a. the current stock price per share minus the par value per share of stock.

b. the total market value of the company minus total invested capital.

c. the total market value of the company less retained earnings.