Collaboration Essay

†¢ What are the upsides of having decent variety in a cooperative learning condition? There are a few points of interest to having decent variety in cooperative learning condition and it improves we all. We, as understudies, figure out how to work with a wide range of individuals. We gain from one another, which, includes to our viewpoint based our social contrasts. The result is certain by building regard, thankfulness, accomplishment of shared objectives and duty to uniformity. Since I work in retail, I have gotten all the more socially mindful. I understand the significance of everybody customs and strict perspectives. Gaining from various societies has helped me make new customs for me and my family. Here and there, it has changed my entire point of view also. †¢ How may factors, for example, decent variety, demeanor, learning, and work styles influence coordinated effort? Assorted variety empowers understudies to figure out how to function with various sorts of individuals and comprehend different perspectives. A positive or negative mentality will influence one’s execution while learning will improve rivalry while work styles will figure out which one is increasingly powerful. This can open windows for a significant number of us in the profession field such a movement, openings, and training. The drawbacks would be the people who don't see the positive qualities in social encounters and act preference. With that, individuals react negative creation all of us look terrible. We all have interesting qualities, searching for something very similar, â€Å"respect:† †¢ How does moral obligation impact the work and achievement of a gathering? Moral obligation in a gathering helps in the powerful satisfaction of the objective set by the gathering. Task of jobs as per an individual’s limit in the gathering guarantees that an assignment is finished because of cooperation. Moral duty likewise significantly assembles trust among the gathering individuals. We all have one of a kind qualities, searching for something very similar, â€Å"respect.†

Facebook Groups for WritersThe Good, The Bad, and the Ugly

Facebook Groups for Writersâ€"The Good, The Bad, and the Ugly If you havent read the most recent Facebook statistics provided by Brandwatch, take a seat. Yes…thats right, take a seat. Theyre THAT staggering.With 2.375 billion monthly active users (as of Q3 2018) and 1.49 billion daily active users, 68% of U.S. adults use Facebook and 51% of them use it several times a day.In fact, out of everyone in the world who is online, 26.3% use Facebook. In the U.S. the numbers are exponentially higher.Theres little doubt that Facebook is the most popular online social media platform, with massive potential for indie authors looking to spread the word about their latest published novel. Rather than focusing on Facebook marketing, however, lets discuss an aspect of the gargantuan social media player that offers marketing, education, feedback, collaboration, and more. Yes, Im talking about Facebook groups.Facebook groups offer marketing opportunities, education, feedback, collaboration, and more. Photo by Glen Carrie on Unsplash.If youve ever been a membe r of a Facebook group, then you know that these groups can range from being full of valuable information to nothing more than a place for spammers and scammers to sell their wares or services. So, for this article, lets discuss the good, the bad, and the ugly when it comes to Facebook groupsâ€"and in doing soâ€"sift through what is important and what isnt when marketing yourself as an indie writer on these forums.The goodThe good that you need to focus on are the ways in which you can use social media, including Facebook groups for writers, for your benefit as an author:Social media is a gold mine of unlocked potential to build a following, showcase your writing ability and gain exposure… Facebook groups are yet another creative way writers can use social media to get noticed and inspired.Joining a Facebook group aimed at writers is a fantastic way to meet and collaborate with other writers. You might even find your next writing gig!Facebook writing groups range from small and int imate, to enormous and robust. Topics and focus vary, but the main benefit remains the same: comradery with other writers.Kelly Gurnett, The Write LifeThere are, however, important details to notice as you join and participate with these groups on Facebook. The first to highlight is that each group has its own individual rules regarding what can be posted or shared with the community at large. For example, The Write Life Facebook community is a public group, which means any writer can access it and see its posts without asking to become a member. However, this group only allows self-promotion on one day of the week (Monday, currently), and only within one thread (meaning, you cant post a separate thread to the group to advertise your latest novel thats available).Other groups, such as this closed group for Calls for Submissions (Poetry, Fiction, Art) are more targeted to a specific purpose for joining it, and might be more worth the time it requires to scroll through posts that are made. Currently, the group above has over 58,000 members, so obviously, its a good resource for writers looking to find publishing opportunities.Simply put, as you reach out to various Facebook groups in order to join them, choose carefully by exploring their mission statements, rules, and community standards for posting. If your primary intent in joining Facebook groups is to receive advice from other authors in the industry, your choices of potential groups is more expansive. In fact, consider looking at the groups your favorite writers have joined (you should be able to see this by joining their own individual writer page), and observe the activity those writers participate in within the community.However, if your intent is for self-promotion, there are fewer groups that allow this. Do your research. For example, this one allows self-promotion, so if self-promotion is your intent, its a good one to join (with over 15 thousand members).The badLets talk for a moment about some of t he reasons why Facebook groups can be bad for writers. As mentioned previously, without honing in on the purpose for joining a Facebook group, you might be left with posts popping up in your Facebook feed that are full of useless information that does little more than distract you from your goal, which is writing more. And lets face itâ€"who needs more of that?Most groups are extremely upfront about their purpose, mission, and rules. In fact, you dont even have to join to read it. For example, this Indie Author Group prints the following on their group intro:MISSION STATEMENT:The Indie Author group is designed to be your trusted first stop for information about Indie writing and support.Its a place for Indie writers to interact and become better writers. By improving the overall quality we can gain the respect our hard work deserves.We welcome all writers, whether traditionally published, self-publishing or a hybrid (a blend of both). Our resources are designed around offering sugge stions and tips for all aspects of the writing life.Requests for review exchanges are a form of promotion, and are not allowed.Indie Author Group, FacebookObviously, this group doesnt want self-promotion, either, and only wants to provide tips and suggestions to indie authors about the writing and publishing process. Therefore, if you join it and start trying to promote your work, youll likely be booted outâ€"or at the very least, reminded of the rules. Groups that have efficient moderators are good at keeping unwanted material from showing up on the page and hold every right to delete a post that doesnt agree with the community standards.If you want to achieve the most good from Facebook groups, youll need to do a little research and determine a few important things:What do you want out of a Facebook group? Is it an opportunity to self-promote? Is it help from other published writers? Is it a community that will review your material before you publish it?Next, which Facebook groups offer what you are looking for? Narrow it down to get the most out of your group participation.The uglyAs promised in the title, there is also some sheer ugliness that comes along with joining a Facebook group for writers, and it starts with human psychology while online.Dr Ciarán Mc Mahon of the cyberpsychology research centre at the Royal College of Surgeons in Ireland Institute of Leadership, explains it like thisâ€"rising right alongside of social media is narcissism in its worst form. He notes:If you put something on Twitter [or Facebook], it can be seen by upwards of 250 million people, but you probably wrote it in silence and in physical privacy. So, there is quite a gulf between instantly public global communication and these very, very private thoughts. So, a private thoughtâ€"That guy is an idiotâ€"can easily become an undeletable public announcement: You are an idiot. People have been calling each other idiots for a very long time but never before in such epic terms.Dr Ciarán Mc Mahon, Irish TimesThe author of the above mentioned article, Patrick Freyne, puts it like this:People argue passionately. They argue creatively. They argue compulsively. There are misunderstandings and lapses of humour. Minor differences of opinion spiral into incivilityâ€"and, to be fair, pleasant arguments often stay pleasant. Nowadays, even the most debate-averse people find themselves engaging with online arguments vicariously, sucking up dubiously sourced opinions and counteropinions as if by osmosis.When I ask internet arguers if they argue more now than they did in the past, they dont hesitate: Definitely.So is there a point to arguing with strangers? Thats a muddier issue.Patrick Freyne, Irish TimesOnline arguments happen more often, and more easily, than face-to-face ones. Photo by Gratisography on Pexels.This leads to an important point that we should all take note ofâ€"writers and non-writers alike. What is posted online is posted for the world to see. Its also posted in a way that is undeletable. Sure, weve all seen news stories of celebrities who posted something and then quickly deleted it, but did you catch the fact that the world still knows what was posted?The simple fact is, when you post something online, it is forever. This means that if you are in a heated argument with a fellow writer overâ€"I dont knowâ€"something as simple as a favorite author, or a presumed intention of that favorite author, and you make a derogatory comment that could be construed wrong…that comment is there for everyone to see, both now and in the future. Are you that confident in your stance to engrave a comment in proverbial stone? Is the argument really worth that risk?If not, its perhaps best to leave the online arguments alone. I know very few people whose political or social stance hasnt changed in the past decade, so imagine seeing your own stance printed in a permanent form 10 years from now. What if it changes? What if that one comment isnt how you want to be remembered?These are very real considerations to keep in mind when joining an online community and participating in what is often a rude, politically-charged discourse that would rarely happen if the commentators were face to face.

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Rhetorical Analysis Of Chris Christie s Drug - 914 Words

He’s a drug addict: A rhetorical analysis of Chris Christie’s â€Å"Drug Speech† Recently, New Jersey governor and presidential candidate Chris Christie gave a heartfelt speech at a town hall meeting in New Hampshire (Vale). Governor Chris Christie is loved by his supporters and detested by his opponents for his ability to present his points in a moving and effective manner. As much as one might disagree with the governor’s politics, policies, or perhaps pushy personality, it is undeniable that the man can deliver a solid speech. Chris Christie has a way of wrapping his audience around his finger, with every word instilling the exact intended emotion. Chris Christie’s â€Å"Drug Speech† delivers his point on how Americans neglect what he describes as the â€Å"Heroin, cocaine, [and] alcohol† addicts to the listener masterfully through a pairing of anecdotes, using ethos and pathos very effectively. Chris Christie delivers his speech through two personal anecdotes about his mother’s addiction to cigarettes, and an old friend’s battle with hardcore addiction. Christie’s â€Å"Drug Speech† sounds more like part of a conversation than a formal presentation. The usual presidential candidate’s speech consists of facts, statistics, and â€Å"vote for me because I did this† points delivered in succession like reading off a resume. Chris Christie avoids this cliche. His two anecdotes do not have any overly sophisticated vocabulary or unfamiliar terminology. They sound like parts to a talk one would haveShow MoreRelatedDeveloping Management Skills404131 Words   |  1617 Pagesbuilt-in pretests and posttests, focus on what you need to learn and to review in order to succeed. Visit www.mymanagementlab.com to learn more. DEVELOPING MANAGEMENT SKILLS EIGHTH EDITION David A. Whetten BRIGHAM YOUNG UNIVERSITY Kim S. Cameron UNIVERSITY OF MICHIGAN Prentice Hall Boston Columbus Indianapolis New York San Francisco Upper Saddle River Amsterdam Cape Town Dubai London Madrid Milan Munich Paris Montreal Toronto Delhi Mexico City Sao Paulo Sydney Hong Kong Seoul Singapore

Sticks and Stones Free Essays

A The words unspoken and actions undone may possibly remain so, but what is done cannot be undone, and if you cause a situation to go from bad to worse, the consequences of your deed will come to haunt you. This is what the main character of Trezza Azzopardi’s short story â€Å"Sticks and Stones†, Lewis, has experienced. Lewis accepts things as they are, even though he wants to change them: â€Å"[†¦]he imagines he’s the kind of person that challenges teachers like Stott and Walker, the kind that the Headmaster takes seriously. We will write a custom essay sample on Sticks and Stones or any similar topic only for you Order Now (pages 9-10, lines 61-62). The quote supports the statement and also implies he is a person who blends in, and more importantly, that he does not want to stand out. Hence, he has adapted to his environment because he feels it is the safest thing to do. This has been caused by his mother, who has told him that â€Å"It’s the survival of the fittest† throughout his whole life. Paul Fry is not peer of Lewis’, but Lewis given his trait of staying in the background emphasizes with him surprisingly much. The ability to emphasize so much with Paul causes Lewis to go against his guts that tells him to mind his own matters, so it must have struck a nerve. Being able to identify with Paul so well means he has experienced something akin to Paul’s inflections, which the small portion of his past underlines: â€Å"Don’t be such a baby. [†¦]boys will be boys. It’s human nature. † (page 10, line 69). He sees himself in Paul Fry, and consequently wants to help because he had no help to claim himself. Lewis’ profession is not stated in the text, but it implicitly indicates that he is a teacher. For instance, the Headmaster catches him after class: â€Å"The next day, Harris (Headmaster) came and found him after class. † (page 10, line 79). Moreover, Paul Fry is a student and when Lewis comes home, he has new information about Paul Fry to tell his girlfriend, Anna: â€Å"[†¦]he wanted to tell her (Anna) about Paul Fry. [†¦]Later, she’d sigh when he came in from work, [†¦]†What’s happened now? † she’d ask† (page 11, lines 98-102). The jump and the whole incident lie to the past, though. The short story is about Lewis reflecting on the past, which is why flashbacks occur in the middle of the storyline. In the present, Lewis has no connection to the involved people of the event. He has quitted teaching after Paul’s death: â€Å"[†¦]on Lewis’s last day, after suggesting he should take some time off. It was the day before Paul Fry was found. † (page 11, lines 120-122) and even though he has an old letter from Anna, he has no contact to her: â€Å"†There’s a letter for you†, his mother shouts. †¦]He’s been there a month now, and[†¦]has had no phone calls, certainly no letters, no nothing at all from Anna. †(page 8, lines 18;21-22) â€Å"Lewis puts it to his face. He can’t find the scent of her in the words† (page 9, line 40). The letter is definitely from Anna and has lost its scent, which implies that it has had one, but has now fad ed with time, which means it is old. The remorse of Paul’s death is so strong that it causes him to dream of his dive into the beach. This indicates it was the same day Paul died, and more so does the fact that the boys had never been all the way to Lewis’ place at the beach. The boys went out to beat up Lewis, because as Lewis tells us, he observed Paul being beat up and making no sound – hence, the death of Paul – and they wanted to shut up Lewis. The use of flashbacks throughout the plot keeps the reader at suspense. Lead on by a in media res start, Trezza Azzopardi keeps building up the suspense. The flashbacks are never out of context: they always occur at a setting relevant to it. As a natural follow-up on the flashbacks, Azzopardi’s short story ends with change in the main character’s person. That is why Lewis throws out the pebbles, because for each pebble he has felt his life was difficult. Paul Fry’s incident has haunted him for long enough and he now wants to move on. After he throws away the pebbles, the waves of the beach does not trouble him anymore and he can finally listen to the humming earth, which indicates the change. A change long awaited caused by merely one devastating mistake. How to cite Sticks and Stones, Essay examples

Flowers for Algernon Essay free essay sample

This change Is from a surgery that he had to make him extremely smart. He wanted the surgery especially to get more friends. He felt that If he was very smart he would gain much more friends. This surgery was a successful for a period of time. It began to wear off a few months after he had It. At the end of the book, Charlie knew things that he didnt know before. He did intellectually At the beginning and end of the book, he was two different people.Also, this ending seemed quite glum and tragic. One way that Charlie has changed from the beginning to the end of the book his ability to remember things increased. At the beginning of the book his memory was not very good at all. At the beginning of the book he said, His name is Burt. I forgot his last name because I dont remember so good. We will write a custom essay sample on Flowers for Algernon Essay or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page At the end of the book, when the surgery had worn off, he could remember things more easily. He knew he had done something great for science, but he Just couldnt remember exactly what he had done.But, he said, Then all of a sudden I remembered some things about the operation and me getting smart and I said holy smokes I rely pulled a Charlie Gordon that time. He also remembered Algerian, and that Algerian had died. Not only could Charlie remember better, but he also had an increase in knowledge from the beginning of the book. Another way that Charlie has changed from the beginning of the book to the end, is that he also had an increase in intelligence. Charlie could think for himself better that he could before.He realized that the bakery was not the place for him to be. He also realized that the Warren State Training School was a better place for him rather than the Warren Home school. Charlie could also feel emotions more than he could before. These were all signs that his Intelligence had Increased. In the book, Charlie said, I know everybody feels sorry for me at the bakery and I dont want the theater so Im going someplace where they are a lot of pull like me and nobody cares that Charlie Gordon was once a genus and now he cant even reed a book or rite good. You can also tell that Charlie can feel emotions better because he said, Thats not true but. I still love her and I still want to be smart but I had to say that so she wood go away. He can think for himself much better than before the surgery. Even though al of these good things have happened, I believe that the ending was very tragic. Charlie had some good, and maybe even great, things happen to him after the surgery had worn off, but still think that the ending of this book is quite tragic.I think this because he said that, L still want to be smart Many people are still mean to him too. HIS one true love Is heartbroken now. He still loves her too, but he knows It wont really work. I dont think that Charlie Is happier than before the surgery, because he knows what it was like to be really smart, and then he had it Hough Charlie will be happy, I dont think he is better off there. All of these reasons are why I think Charlie is a different person from the beginning to the end of the book and that the ending is sad. Charlie is different because he can remember more things, and he is more intelligent. This ending is tragic because Charlie still wants to be smart, and he is put in a place where he is not better rather than being at the Warren Home school. Overall, this was a good and exciting book. I got hooked on this book very early on. I would definitely recommend this book for someone.

Infosys Ltd Essay Example

Infosys Ltd Essay Infosys Limited (NYSE: INFY) was started in 1981 by  seven people with US$ 250. Today, we are a global leader in consulting, technology and outsourcing with revenues of US$ 7. 231 billion (LTM Q3 FY13). Many of the world’s most successful organizations rely on Infosys to deliver measurable business value. Infosys provides business consulting, technology, engineering and outsourcing services to help clients in over 30 countries build tomorrow’s enterprise. Our award-winning Infosys Labs and its breakthrough intellectual property can be leveraged as a co-creation engine to accelerate innovation across the enterprise.Infosys pioneered the  Global Delivery Model  (GDM), based on the principle of taking work to the location where the best talent is available, where it makes the best economic sense, with the least amount of acceptable risk. Continued leadership around GDM enables Infosys to drive extraordinary efficiencies and free up clients’ resources for strat egic transformation or innovation initiatives. Infosys has a  global footprint  with 67 offices and 69 development centers in US, India, China, Australia, Japan, Middle East, UK, Germany, France, Switzerland, Netherlands, Poland, Canada and many other countries.Infosys and its subsidiaries have 155,629 employees as on Dec 31, 2012. Infosys takes pride in building strategic long-term client relationships. 97. 5% of our revenues come from existing customers (Q3 FY 13). Infosys gives back to the community through the Infosys Foundation that funds learning and education. Infosys helps companies derive the measurable business value that they have always been looking for from business and IT investments. Infosys deliver measurable business value in 3 ways: TransformThey can transform the fundamental shape of your business PL. Regardless of which team you engage with, we have a best-practice process for delivering value. We call it IMPACT – to ensure a clear line of sight from p rocess change to bottom-line impact, ensuring that you receive the business value you were promised. Optimize Beyond transformation and innovation, it boils down to execution delivering on time, on budget and on value. We can optimize your core operations to drive best-in-class efficiency and help fund the transformation and innovation. InnovateThey can inject a level of product and service innovation into your business to create new revenue opportunities through collaboration and co-creation. We keep abreast of the latest technology and how it applies to your business issues. What you get from us is best-of-breed solutions. The foundation of our innovation capability is our core lab network – Infosys Labs – and the new thinking that our team of over 600 researchers brings to the table. Vision We will be a globally respected corporation. Mission Strategic Partnerships for Building Tomorrow’s Enterprise. ValuesWe believe that the softest pillow is a clear cons cience. The values that drive us underscore our commitment. Client Value:  To surpass client expectations consistently Leadership by Example:  To set standards in our business and transactions and be an exemplar for the industry and ourselves Integrity and Transparency:  To be ethical, sincere and open in all our transactions Fairness:  To be objective and transaction-oriented, and thereby earn trust and respect Excellence:  To strive relentlessly, constantly improve ourselves, our teams, our services and products to become the best pic] BUSINESS EXCELLENCE Business Excellence, as described by the European Foundation for Quality Management (EFQM), refers to;†Outstanding practices in managing the organization and achieving results, all based on a set of eight fundamental concepts†, these being, â€Å"results orientation; customer focus; leadership and constancy of purpose; management by processes and facts; people development and involvement; continuous learnin g, innovation and improvement; partnership development; and public responsibility†. This definition serves as a typical example of those put forward today.In general, business excellence models have been developed by national bodies as a basis for award programmes. For most of these bodies, the awards themselves are secondary in importance to the wide-spread take up of the concepts of business excellence, which ultimately lead to improved national economic performance. By far the majority of organizations that use these models do so for self-assessment, by which they can identify improvement opportunities, areas of strength, and use the model as a framework for future organizational development.Users of the EFQM Excellence Model, for instance, do so for the following purposes: [pic] When used as a basis for an organization’s improvement culture, the business excellence ‘criteria’ within the models broadly channel and encourage the use of  best practices  into areas where their effect will be most beneficial to performance. When used simply for self-assessment the criteria can clearly identify strong and weak areas of management practice so that tools such as  benchmarking  can be used to identify  best-practice to enable the gaps to be closed.These critical links between business excellence models, best practice, and benchmarking are fundamental to the success of the models as tools of continuous improvement. The most popular and influential model in the western world is the one launched by the US government called the Malcolm Baldrige Award Model (also commonly known as the Baldrige model, the Baldrige criteria, or The Criteria for Performance Excellence). More than 60 national and state/regional awards base their frameworks upon the Baldrige criteria. New Business Excellence (NBX) for Property Casualty (P C) Commercial Lines Improving the effectiveness and efficiency of underwriting and related business processes is crit ical to profitable growth. Infosys New Business Excellence (NBX) solution for P ; C enables commercial lines carriers to revamp new business processes and leverage technology. NBX helps carriers improve their operational efficiency and makes underwriting more effective by making it data driven, thus creating a robust platform for sustained rofitable growth. Legacy IT systems and traditional manual paper-intensive workflow prevent efficient integration of information across the enterprise for many commercial lines carriers. As a result, they have to spend time and money on underwriting even routine flow type risks. Our NBX solution is an integrated framework which transforms the whole new business submission process for commercial lines carriers. It is based on four core concepts, which allow integration of new business applications and enable: Capturing and converting content to electronic form †¢ Use of rules engines for analysis and predictive modeling †¢ Integrated work flow management †¢ Integrated data exchange with common user interface NBX enables: †¢ Complete automation of the underwriting process of flow business, e. g. commoditized products like Business Owners Package †¢ Systematic processing of some of the transaction business e. g. complex risks like commercial liability by simulating underwriter decisions through rules engines.It means only the highly complicated risk selection scenarios are routed as exceptions for manual underwriting. [pic] The impact of each activity in the underwriting value-chain: [pic] |Infosys bags CII-Exim Bank Award for Business Excellence  news | | |[pic] | Infosys Technologies has been declared the winner of the CII-Exim Bank Award for Business Excellence 2002, becoming the first software services company to win this prestigious honour.The award acknowledges Infosys excellence in Total Quality Management in the following areas: leadership, policy and strategy; people, customer-driven processes , partnerships, corporate citizenship and performance in creating value for all its stakeholders (customers, shareholders, employees, partners and the society at large). The Confederation of Indian Industry and the Export Import Bank of India jointly instituted the CII-EXIM Bank Award for Business Excellence in 1994. It is today recognized as one of the most prestigious awards in India for business excellence.The rigorous process of assessment, lasting six months, follows the Business Excellence Model based on the European model for Total Quality Management, a global benchmark. Announcing the award during the 10th Quality Summit, CII deputy director general N Srinivasan said: The members of the jury are very pleased to award this trophy to a company that has become a role model for its value-based leadership, exemplary corporate governance, best-in-class processes, caring and development of people, commendable wealth creation, and delivery of world-class products and services. Ackn owledging the award, Infosys Technologies chairman and chief mentor N R Narayana Murthy said: The 13,000-strong family of Info scions and the Infosys Foundation are very honored to have been conferred this award. I am very thankful to CII and the Exim Bank for having partnered with us in our journey to excellence. This award is a great honor for Infosys and recognizes our passion for excellence. At Infosys, it is our mission to continuously strive to set higher standards.The CII assessment takes a holistic view of excellence, fosters integration and promotes a uniform understanding of improvement strategies and opportunities. The review and feedback process has been a great learning experience and we look forward to sharing our journey with other corporations, says K Dinesh, member of the board and director (quality, HR and IS) Infosys Technologies, while presenting the Infosys journey at the Quality Summit. Leading the software services industry, Infosys is placed with previous em inent winners from the manufacturing sector in India such as Hewlett Packard, Maruti Udyog and Tata Steel.Reputed global corporations in Europe who have received awards based on this model include Rank Xerox, Ericsson, IBM, Texas Instruments, British Telecom and TNT. New business process is a key Infosys’ view is that new business processing is most significant time and cost area for carriers. From this application emerges a solution concept that is based on four core principles that tightly that integrates a carrier’s new business applications and enable straight through processing with minimum manual operations and hand offs.Infosys’s integrated approach to underwriting address various shortcomings of current state 1. Capturing and converting content to electronic form 2. Integrated workflow management 3. Integrated data exchange with common user interface 4. Business rules engines and analytics for better risk profiling BENEFITS OF THE NEW APPROACH 1. Profita ble growth 2. Operational efficiency 3. Underwriting effectiveness 4. Employee and channel productivity