ESSAYS -
LIST OF AVAILABLE ESSAYS ...
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Editorial Regarding Bank Consolidation
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This 5 page report discusses large bank consolidation and the impact it has had on smaller community banks. Despite the fact that community banks were touted as the hope of the banking future for consumers and praised as one way that the American public could and would regain its confidence in the banking system, financial institution mergers are still taking place at a record pace. By returning to the original mission of a community bank, consumers would once again establish a partnership with their “home town banker” as a partner in their family’s or small business’ financial future. Bibliography lists 4 sources.
Filename: BWedbank.wps

EECP Financial Plan
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A 5 page paper providing an executive summary and financial plan for a series of papers developing an EECP center at a large city hospital. Financial analyses include monthly cash flow for the first nine months; projected cash flow for the first five years; and projected balance sheets for the first five years. Spreadsheets available. Bibliography lists 3 sources.
Filename: KSnursEECPfinan.rtf

Effectiveness of Internal Audit in the Public Sector
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This 8 page paper looks at the concept and practice of internal audit in the public sector, discussing why internal audits are undertaken, what they measure, who performs them, the approaches which can be adopted and the direct and indirect impacts that internal audits can have on an organization operations and performance. The bibliography cites 14 sources.
Filename: TEintaudit.rtf

Effects Of Demand & Zero Price Elasticity On Dow Jones
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A 5 page discussion of how, despite the atrophy experienced by the Dow Jones Industrial Average over 3 decades, that a monetarist-type demand created a zero price elasticity that spared the company from its conservative growth policy, which in turn extended to the functioning of the macroeconomic realm of the New York Stock Exchange. Bibliography lists 5 sources.
Filename: Dowjones.wps

Effects of Globalization on Auto Industry Labor
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This 12 page paper provides an overview of the automobile industry in light of global trends. Several issues are addressed including the concept and reasons for globalization, the plight of the auto worker, the sudden increase in mergers and acquisitions and the ramifications of using labor worldwide. Three charts are included. Bibliography lists 13 sources.
Filename: SA009car.rtf

EFFICIENT MARKET HYPOTHESIS AND CITIGROUP
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This 3-page paper explains the concept of Efficient Market Hypothesis by examining the trend of Citigroup Inc.'s stock. Bibliography lists 2 sources.
Filename: MTmarkciti.rtf

Efficient Market Theory
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A 5 page paper discussing the theoretical and empirical validity of the weak, semi-strong and strong forms of the theory. Stock market information remains less than completely reliable, as there are those companies that analysts believe should be performing at much higher levels in terms of stock price than the actual prices would indicate; there are others that analysts consistently report as being overvalued. Insider trading indicates that the strong form cannot possibly be valid. Some researchers claim that the problem lies not with the theory but with our ability to measure results correctly, calling for a non-linear, rather than linear, assessment of data. Bibliography lists 8 sources.
Filename: KSEffMkt.doc

Electronic Financing And The Future Of Paper Money
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20 pages in length. The purpose behind the banking industry implementing any change is to augment the capacity of its clientele. Inasmuch as change can be both a beneficial and detrimental endeavor, it is a very wise decision for the industry to wholly investigate all potential gains and losses long prior to employing this important modification. In this day and age, it is critical to the overall success of banking businesses to expand beyond the limited horizons of the past; indeed, to be able to diversify and reach toward loftier goals is only possible in the contemporary market by striving to bring together a variety of networking capabilities. Those like the banking industry that have established a sense of innovation within the framework of their industries have, historically, had positive results in the final outcome; however, to be fair, there have also been those who have attempted to incorporate the concept of such vastness in operation only to find that this particular venture was not as productive as they had anticipated. For the banking industry to follow suit upon the Internet is for it to completely and utterly open up to the whims of progress in the twenty-first century; with the evolution of ATM's, debit cards and the like, the global community is moving forward to the inevitable cashless society. Bibliography lists 16 sources.
Filename: TLCelecF.rtf

ELECTRONIC PAYMENT SYSTEMS
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This 6-page paper discusses electronic payment systems, how they came about, what they are, how they're used, and their future. Bibliography lists 8 sources.
Filename: MTespana.rtf

Electronic Security in the Banking Industry
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This 6 page paper addresses security issues facing electronic banking, and banks in general. Authentication, electronic signatures and encryption along with related technologies are each discussed. Bibliography lists 8 sources.
Filename: SA211bnk.rtf