Project 2 Cases 2 Essays - Natural Language Processing,

Project 2 Cases 2 Project 2 Cases 2 There are several features in Microsoft Word 2000 that makes document making simple. With features like Automatic Spell Checking, that places a red wavy line under the word that is misspelled automatically. Auto Correct, which automatically corrects commonly, made mistakes that are predetermined in Word. Inserting Clip Art adds graphics and/or pictures to make your document look better. These are just a few of the features in Word that makes document making less challenging. The Automatic Spell Checker checks your document while your typing it for possible spelling and grammar errors. If a word you have typed in is misspelled a red wavy line under the word that is misspelled. If there a grammar error there will be a green wavy line under the grammar error. To fix the error simply right click the wavy line and depending on the severity of the error there will be from one to a few choices to correct the error. If the word isnt misspelled and it still shows up with a red wavy line under it, you can simply right click the line and choose the add selection and it will add the word into the Word library. Another feature in the Automatic Spell Checker is the Auto Correct {insert note here} Inserting Clip Art allows you to brighten up your documents with graphics. the clip art files contains photographs, sounds, and video clips that you can insert into your document. Clip Art is located in the Clip Gallery which contains a collection of clips, separated into sub categories such as. Favorites, academics, animals, backgrounds, borders & frames, buildings, business, button & icons, cartoons, communications, dividers & decor, downloaded clips, emotions, entertainment, flags, food & dining, gestures, government, healthcare & medicine, home & family, household, industry, lost & found, maps, metaphors, music, nature, navigation controls, office, people, people at work, photographs, places, plants, religions, science and technology, seasons, shapes, signs, special occasions, sports & leisure, symbols, transportations, travel, weather, web banners, web dividers, and web elements. Microsoft Word 2000s features are extremely helpful and allow you to make documents simple and easy. Automatic Spell Checking is extremely convenient allowing you to fix your spelling errors while you are typing your document. Instead of some other word processing programs spell checkers which have you go to the menu to perform a spell check. Inserting Clip Art into your documents makes documents look more professional and livelier. These features in Microsoft Word are excellent features that allow users of Word to process documents easily and efficiently. Computers and Internet

The Longest Memory by Fred DAguiar

The Longest Memory by Fred DAguiar The Longest Memory by Fred D'Aguiar is a compelling and tragically poignant novel set in Virginia, 1810. The unique, fragmented narrations with its ironies and bigoted criticisms lurking in the words of many presents a definite ethical vision in which the reader commiserates with the suffering and feels contempt for the savage. The calamity of the story and also its main ironic element centres on an old, veteran slave Whitechapel. He inadvertently causes the death of his son Chapel in the hands of the overseer of the plantation, who just so happens to be Chapel's halfbrother. Prejudice shatters any faith of justice, equality and freedom in The Longest Memory, and acts to enhance the immorality of slavery and the horrible suffering of slaves. This is achieved through both the emphatic characterisations of the slaves, and tragedy of Chapel's death.Societal prejudice towards Negroes has been a widespread fact in American history.Chateau d'Usse and The ChapelThe class of slaves has been superficially judged and discriminated against.'It is neither extraordinary to beat a slave, nor incompatible with Christianity to wield a whip.'Even those who considered themselves lenient slaveowners such as Mr Whitechapel, committed horrible acts of injustice.'Do not,I repeat, do not let me ever catch you readingAgain. If you do you will be sent away,Far away to a place where slave boysDie of hunger, hard work and the whip.'All slaves have to learn to accept the fact that they are inferior. However, from some people's points of views, slaves are much lower and should be considered as an investment or commodity. 'Cattle need fattening, not slaves.'They are regarded on a totally different plane of judgement.'I told my son that we are different from slaves in intelligence and human standing before God.'Verbal irony also...

We are what we choose Essay Example | Topics and Well Written Essays - 1250 words

We are what we choose - Essay Example Logos from originates from logical, ethos represent reliability while pathos represent passion. Logos represents the logical argument. In Jeff’s speech, we can find the syllogism. Jeff is and will still be among the few who have presented a coordinated and logical speech. It is not worth listening to a speaker who jumps from one point to another without any apparent rhyme or reason. It is a deliberate move that most of the examples of lectures are fairly short and precise so that the speaker can actually focus on the main idea and not diverting his focus. Jeff’s speech is logical in the sense that he use two examples to support his point. Interestingly, syllogism is easy to evaluate in the statement, â€Å"No flying things are penguins; all the penguins are birds; so some birds are not fliers.† At the beginning of his presentation, he argues that â€Å"cleverness is a gift, kindness is a choice.† Gifts are easily attainable as they are given on various occasions. Choices can be hard to attain. You can seduce yourself with your gifts if youre not careful and if you do, itll probably be to the detriment of your choices. He first talks about an instance of a story when he was a kid he proud of his minor  arithmetic and he figure out if his grandma, â€Å"at two minutes per puff, you’ve taken nine years off your life.† and his grandma crying. In this example he uses the syllogism, kindness is a choice, choice can be hard, and so kindness is hard. Indeed he refer to his grandpa saying, â€Å"Jeff, one day you’ll understand that it’s harder to be kind than clever.† This ex ample proves his opinion that cleverness is a gift, kindness is a choice and sometimes cleverness might ad for us choice. â€Å"This is a group with many gifts. I’m sure one of your gift is  the  gift  of  a  smart  and  capable  brain.  Im  confident  that

Journal Essay Example | Topics and Well Written Essays - 1000 words - 2

Journal - Essay Example What kinds of websites can be found on the Darknet? Web sites that can be found on the DarkNet are those of nasty or at the very least, unlawful activities including pedophile rings, arms sales or illegitimate drugs; websites that have something to hide. It is notable that websites on DarkNet are those that support things such as private communications, private communities like those who look for anonymity on the web, and besieged file sharing community. DarkNet also contains websites for outright criminals and is the source of the majority of the sneakiest attacks on the private and public infrastructures of the web (Smith, 2009). Why don’t authorities shut down these web sites? The DarkNet is a deeper and more difficult to access parts of the internet. It is not possible to police the internet in its entirety since individuals as well as groups are always devising new ways of remaining off the grid. Thus, the websites cannot be shut down since the people and groups behind th em will always revive them. The authorities would always battle with the DarkNet (Thomas, 2013). Are there valid reasons for the Darknet to exist? Even though DarkNet is a haven a perverts as well as arms dealers, it can also be seen as a citadel of a more dignified cause, that of free speech. It is of note that many nations around the world do not offer their people the freedom of speech. DarkNets offer every user the power of speaking in a free manner with no fear of persecution or censorship (Thomas, 2013). Making Hidden Services anonymous has been a refuge for dissenters in countries such as Mauritania, Lebanon as well as nations that were marred by the Arab Spring. DarkNet is utilized to host blogs in nations wherein the exchange of ideas is disapproved of. Moreover, DarkNet websites also reflect sites which draw corporate or governmental angst, like Wikileaks. Other than granting a bastion of free speech, DarkNet websites also help organizations to increase their security inte lligence, and as a result, it enhances their security posture. Using DarkNet, security administrators could identify scanning activity devoid of employing complex analysis technology that requires committing already overstrained resources, and, with a decreased incidence of false positives (Smith 2008). Reference Smith, M. (2009). DarkNets. Montreal, Canada: CRC Press. Thomas, G. (2013). The Silk Road is Shut Down, and the Owner Is In Custody. Retrived from http://motherboard.vice.com/read/the-silk-road-is-shut-down-and-the-owner-is-in-custody Part 2: Privacy In general, which privacy policies do the applications have in common? The following privacy policies are common in all the applications: All collect private information of the users. Policy on now they collect, use and share the information collected from users. Policy on the choices which the privacy policies offer the users, such as how to update and access information. Policy on the circumstance under which personal informa tion of the users will be shared with other parties – it will only be shared for legal reasons. Policy about information that will be always public. Which are different? Only Twitter has policy towards children, stating that the services it provides are not directed

SWA 43 Essay Example | Topics and Well Written Essays - 250 words

SWA 43 - Essay Example The issue for determination in the case is whether there was infringement of intellectual property right to warrant a remedy. There exist three classes of intellectual property rights: patent, copyright, and trademark, for which a property owner is protected. Copyright laws protects a property owner’s interest by offering an â€Å"exclusive right to control reproduction, distribution, public performance, and display† of a subject intellectual property (Fas, p. 1, 2). A patent on the other hand protects a property owner from other parties’ imitation of the property or dealing in the property while trademark laws protect a party’s registered symbols. Violation of the copyright laws constitutes both civil and criminal liability with infringing copyright laws leading to remedies such as injunction and damages (Halpern, Nard and Port, p. 43, 169, 170; Fas, p. 5, 6). In the case, Rick published a song which was, without his approval, performed at a bar leading to infringement of his copyright rights over the song. He is therefore entitled to an injunction to stop further performance of the song at the bar. Fas. â€Å"Intelectual property rights violations: Federal civil remedies and criminal penalties related to copyrights, trademarks, and patents.† CRS Report for Congress. 31st October 2008. Web. 20th July 2012. < http://www.fas.org/sgp/crs/misc/RL34109.pdf

A critical evaluation of CRM (Customer Relationship Management)

A critical evaluation of CRM (Customer Relationship Management) The era in which marketers have increasingly acknowledged the importance of customers retention has seen as the evolution of related models and strategies. Increasingly, customer retention has needed greater emphasis in the company strategies due to the environmental changes and globalization occurring in the markets. The area of relationship market is very important and is main issue at the time of tough competition in the market. Various factors like internet and advanced technology has give rise to the attention and awareness among the customers to access a far greater choice of services and products offer to them. The analysis of the strategy of Customer Relationship Management has become an indispensible part of the organisations in the market management. This area is of great importance in the management strategies as customer are the key factors for the organisations in any field and there is great importance related to the customers as they are the determinants of the success of an organisations and has to be managed good relationships with them in order to gain competitive advantages in the market. The existing market needs the managers with all the knowledge to deal the customers. For this purpose there are many researches are going to be on in the relation to this subject, by realising the important of this area in tem market the companies become aware to the facts that how crucial is the managing relationships with their customers. The person reason behind adopting the area of research for the dissertation is that in todays market customer are take as God and each and every area of marketing and management is based on the dealing, satisfaction and retention of the customers. Without customers there is no market and no management. So it is mandatory for everyone to have the in-depth knowledge about the management and dealing of customers. Without having the proper study of customer relationship within the market is tea without sugar. For the personal reason I have the greater interest in the dealing with the customers and in order to get the proper knowledge regarding the management of relationship with them it would be very helpful to understand the nature of customers and hoe it could be managed healthy relationships with them to make them happy and satisfied. 2.1 Aim The aim of this dissertation is to critically evaluate the strategies of Customer Relationship Management. It also seeks to explore the difference between the concepts of Relationship Marketing and the concept of Customer Relationship Marketing. 3. Preliminary Review of the Literature Introduction A compelling business case and success stories continue to attract business interest and investment in customer relationship management (CRM). The CRM software market is expected to increase from $7 billion in 2000 to $23 billion in 2005, even though conventional wisdom is that 30 to 50 present of CRM initiatives fall short of meeting company objectives, while another 20 present actually damage customer relationships (AMR Research 2002). A seemingly myriad of challenges, conditions and circumstances contribute to the ultimate success or failure of a CRM initiative. Before investing scarce resources in such a risky technology innovation, corporate leadership is calling for a means of decreasing the sphere of uncertainty surrounding CRM. The adoption phase (Rogers, 1995) of a technology based innovation such as CRM is where decision-making and planning activities are conducted to address whether, why, and how to implement the innovation (Markus Tanis, 2000:189). Occurring at project i nception, the associated problems or shortcomings of this phase are multiplicative, and can exert a toxic effect on the ensuing innovation process. Although decisions made during this phase are critical to the eventual success or failure of a CRM initiative, there is a paucity of research exploring these adoption issues (Markus Tanis 2000). 2. Business value, complementarity and alignment When considering a CRM initiative, executives ultimately want to know the impact on organizational performance that is, the likely business value of the initiative. This is typically measured via the return on investment (ROI) metric. However, determining the economic value of an innovation, especially one enabled by technology, has posed major difficulties to researchers and practitioners for several decades. Recent literature on business value suggests complementarity as a key determinant of organizational performance (see Barua and Mukhopadhyay 2000 for a summary). Two activities or factors are complementary if the benefits of doing more of one increase by doing more of the other (Milgrom and Roberts, 1990). Organizational alignment is concerned with the level of agreement between complementary constituent parts (e.g. people, processes, activities). Alignment research typically falls into either of two basic dimensions: intellectual or social (Reich and Benbasat, 2000). The intellectual dimension, also known in the literature as strategic alignment, centers on the alignment of organizational strategy, structures and planning processes Here, strategy is the focal point such that positive alignment can be achieved when organizational structures and processes support strategy. In contrast, the social dimension concerns the alignment of organizational culture, stakeholder interactions and knowledge of one anothers work domain. In this context, culture is at the nucleus where positive alignment occurs when stakeholders are knowledgeable about each others domain areas such that cooperative interaction (as opposed to conflictive) occurs within the bounds of the organizations norms and values. O ther related research underscores the importance of alignment between the intellectual and social dimensions. For example, using general systems theory and chaos theory as the foundation, Semler, 1997) presents a theory of systematic organizational alignment where strategy, structure and culture are complementary. A harmonious agreement of these aspects breeds an internal environment supportive of the organizations strategy, by eliminating internal barriers to cooperation and performance. The theory outlines six aspects of alignment (process, reward system, values, norms, performance and environment) that, if in agreement, should result in positive organizational performance. As organizational performance is guided by strategy (Pearce and Robinson 1994), and given that a firms leaders develop strategy, it is the leaders and the roles and processes they prescribe that largely drive alignment. 3.1 Intellectual dimension 3.1.1 Strategy. A highly competitive global marketplace places pressure on firms to reduce costs, while simultaneously differentiating themselves through improvements in customer service to gain revenues. The underlying premise of CRM is: If a firm improves upon how it manages relationships with its customers, the result will be evidenced as an increase in firm productivity and customer satisfaction, leading to better financial performance. However, firms must avoid viewing CRM as the solution to competitive pressures. CRM is much more involved a CRM initiative should be conceived of as a corporate strategy. The customer-related capabilities of a firm are at the heart of assumptions regarding customer satisfaction, productivity, and the firms financial performance. According to marketing theory, to be successful an organization must aim all of its efforts at satisfying its customers, at a profit that is, managing customer needs profitably. This means that organizations must create, deliver, and communicate customer value more effectively than their competitors. Organizations that succeed at such are described using terms such as market driven, customer-centric, customer-focused, or customer oriented. Day (1999:5) suggests that such market-driven organizations are marked by a superior ability to understand, attract and keep valuable customers, and he identifies three specific components of market orientation: (1) an externally oriented organizational culture with a focus on added value; (2) distinctive capabilities in market sensing, relationship building, and strategic thinking; and (3) a configuration that enables the entire organization to anticipate and respond to changing customer and market conditions (pp. 6-7). Kohli and Jaworski (1990) provide further specification, defining market orientation as the organization-wide generation of market intelligence, dissemination of the intelligence across departments, and responsiveness to it. Concerning IT innovations, Kwon and Zmud (1983) find that top management support is a key, recurring success factor. Management support can be defined as the widespread sponsorship of an innovation. Successful implementation of an innovation has been found to occur when top management exhibi ts commitment to change (in our context, the CRM initiative) as well as commitment to the (CRM) implementation effort. Support is evidenced through commitment of resources such as time and money for education and training of employees, assignment of key employees throughout the innovation process, and money to purchase the technology and support the multiyear implementation effort. Kwon and Zmud state that successful IT implementation is more likely to occur when sufficient organizational resources are initially directed toward motivating the implementation effort and then to sustaining it. The literature also consistently points to the importance of a champion of the innovation effort. To qualify as a champion, an employee must be a upper level, highly respected individual who actively supports and promotes the innovation, providing information, material resources, and political support. As an aid to success, it is important that the same champion sees the innovation effort through to completion. In a recent field study, firms undertaking CRM projects with a dedicated high-level champion were twice as likely to report that their project was doing at least better than expected (Yu 001). Leadership styles are a key factor when embracing a new initiative such as CRM. Nguyen-Huy (2001) identified four change management leadership styles, including: commanding; engineering; teaching; socializing; or hybrid. No one type is inherently superior to another. Much depends on the styles that have brought success in the organizations past. Also, successful change leaders have utilized one style during an initial stage, and changed to a different style in a later stage. For example, a commanding style may be important at the outset of a project, to communicate that top management is serious and committed to the change, whereas a more collaborative style may be successfully used during implementation. In the context of CRM, little research has been done to examine the change management leadership styles utilized, or to analyse under what conditions a particular change management leadership style is likely to be effective. 3.1.2 Structure. The innovation literature suggests that a firm with a flat, decentralized structure, as opposed to a centralized hierarchical structure, is most likely to support the development of innovative ideas. However, with regard to implementing the innovation, a centralized structure has been shown to be most effective. In terms of an IT innovation, structural factors pertain to the compatibility of the system with the organizational design (e.g., centralization, decentralization, organic), the authority hierarchy, reporting relationships and the like. ERP and CRM efforts revolve around business processes. Effective CRM must integrate and support the business processes that create customer experiences. These business processes span the organization, including the customer-facing business processes of marketing, sales, and customer service. However, back-office business processes such as accounting, purchasing, production, and logistics are also involved. The significance of this logical integration of customer related knowledge cannot be under-estimated. It poses a major challenge to organizational readiness. 4. Research Questions RQ1. What are the critical issues that have to be discussed in the customer relationship management initiatives? RQ2. What problems have to be faced during the adoption of CRM initiatives? RQ3. What is the scope of CRM for different type of organisations? RQ4. Is Customer Relation Management is taken as the appropriate for all kind of organisations? 4.1 Research Objectives As the emerging discipline the CRM needs great deal of assistance in the theoretical area. The area of customer relationship management is very important for the To identify the main issues of Customer Relationship Management To critically analyse the literature of the CRM To examine the facets of the customer welfare and to retain them for long term To explore how CRM succeed and fail. To examine the CRM strategy for the Tesco Plc To draw conclusion and suggest some recommendations for the company Word Guide 200 5. Research Plan / Methodology Research methodology is mainly split into three parts i.e. research perspective, research design and collection of data. These three phases of methodology collectively formed the clear description about the importance and need of the research methods. Research Perspective From the view point of Saunders et al (2003) for the research to be conducted there must be an appropriate choice of research perspective. This dissertation is a case study approach which is most suitable for the topic of CRM in the industry. This help to examine the research topic in depth and provide the required information for the plotting of dissertation. For this there is good chance to know about the efficiency of the company regarding the implementation of the CRM strategy. The case study approach covers the areas like clarification of topic, data processing, collection of data and the conclusion for the research is presented. Following is given the research strategy chosen for the dissertation to be conducted. Research design for the research design there is a process given by Saunders (2003) known as the Research Onion. The following figure explains the whole design of the research. For this there are mainly two type of approaches named inductive approach and deductive approach. Inductive approach This approach follow the process in there is movement from the specific to general for the formulation of the theory of the research. This approach is widely open and exploratory for the research to be conducted at the first stage. On the other hand deductive approach is usually follow the process of general to specific and this is totally opposite to the inductive approach. In this approach theory is taken at the first step and then goes to the observations. This approach is taken as the narrow one as there is restriction and binding to the theory chosen. To conduct the research regarding the dissertation the author decided to go with the inductive approach because the inductive approach is flexible than that of the deductive one and there are more chances of exploration of the topic in the inductive approach. Data collection methods Data collection methods is taken as the very crucial part of the research to be conducted as the whole process and phenomenon of the research of dissertation is depend on the methods of data collection used for the purpose to collect relevant data so that there could be access to problem of the research. There are mainly two types of methods are available for the collection of data these methods are Secondary Data Collection Methods and Primary Data Collection Methods. Secondary data collection methods Secondary data is that data which is available and already exists. This data is always ready to use. This data usually collected for other purpose of research and is used by the some other sources as this is always free to access and easily available. The secondary data is usually available in forms of qualitative and quantitative both types of data. In qualitative data there is no numeric and diagrams and facts and figure. This data is totally based upon the theory part. This is mostly used for the formulation of literature review for the research. On the contrary there is another form of data i.e. Quantitative: this type of data is in the form of numeric and facts and figure. The annual reports of the companies and analysis in the form of numeric presentation is comes under this. Primary data collection methods Primary data collection methods are those methods in which the researcher itself collects the data in order to get the relevant data for the research to conduct. This type of data is mostly in the form of qualitative data. The various methods used to collect the primary data are interviews, surveys, questionnaires etc. For this dissertation there is use of both type of data i.e. secondary data collection and primary data collection. Both data collection methods are equally important and researcher cant go with alone one for the research. As there is need of in depth and critical analysis of the research problem and so for this there must be both type of data will be used in the dissertation. In following table there is brief outline for the various methods used in the collection of data with their advantages and challenges. Limitations of study The thing is that at this stage the topic of the research is not yet consider in detail. Still there are some limitations that are outlined here. At first the area in which the research is going to conduct is wide and it became hard to collect the relevant data for the research by the use of data collection methods. Secondly there is a huge collection of data regarding this topic and they are available in different software of database. At last it is not easy to get relevant and proper data from the side of interviewee regarding the research area, and sometime these interviews are biased. 6. Ethical Considerations As this topic of research is related to the customer relationship management the main ethical issue for this is to how to implement the suitable strategy for a company to run this process. For seeking the development of the research topic for the dissertation I will conduct the instructions provided to us by the college and will also follow the rules of the University accordingly that are provide to me in the available form. Also regarding the data collection for the research the main source of data collection for the dissertation is the available data i.e. secondary data for the company or organisation. There is no provision of data protection this protection will considered at the time of publishing of the data later on. As other reliable source for the collection of data for my research is interviews and questionnaires. For this, if there is needed the interview will be recorded after getting the permission the interviewee. For all the process there will be supervision of the supervisor which will provide during the dissertation to be conducted. There will be appropriate use of participation information during the plotting of the literature review and other parts of the research. 7 Planning and any special resources required Week1 Week2 Week3 Week4 Week5 Week6 Week7 Week8 Week9 Week10 Week 11 Introduction to aim objectives Literature review Research methods Data collection Data analysis Findings Conclusion Recommendations Setting and submission

Bank of New York Essay -- essays research papers

Executive Summary Founded in 1784, the Bank of New York is the oldest bank in the United States. It was the first bank in New York that opened just months after the departure of British troops from American soil in lower Manhattan. During that time period the monetary system was complex and confusing. The founders decided that The Bank of New York wasn’t going to be a common institution that capitalized on land; it focused on specie, which is money in coins. Then in 1792 the first corporate stock to trade on the newly established New York Stock Exchange was the Bank of New York. During the course of their 220-year history, The Bank of New York has seen the country through turbulent times - seven wars, ten economic depressions and the World Trade Center disaster. And yet, The Company has survived all these crises and emerged even stronger.. The Bank of New York is in the industry of Money Center Banks, which provide many services that enable institutions and individuals to move and manage their financial assets in more than 100 markets worldwide. This company has a long tradition of collaborating with clients to focus on securities servicing, treasury management, investment management, and individual and regional banking services. This company also has an extensive global client base. The Bank of New York is ranked 15th in its industry with a capital market of 21.2 billion. Some of its top three competitors are Citigroup Inc, JP Morgan Chase, and State Street Corp. Given its long history and conservative approach, it is no wonder that The Bank of New York is one of the leading retail banks in the Metropolitan Area. It has 350 locations which not only offer traditional banking, but insurance and investment services.   Ã‚  Ã‚  Ã‚  Ã‚  Although the stock price of The Bank of New York has decreased over the past year, it is our opinion that it would be a good opportunity to buy the stock at its price. The most recent quarterly earnings have been much higher than analysts’ forecasts have predicted. The Bank of New York earnings growth in the past year has accelerated more rapidly than it has in the past three years. The Bank of New York – Industry position   Ã‚  Ã‚  Ã‚  Ã‚  Founded in 1794, The Bank of New York is New York’s first and oldest bank. It opened for business at the Walton House in lower Manhattan. During tha... ...dministration and accounting, collateral management, and securities lending which is offered nationally and globally.   Ã‚  Ã‚  Ã‚  Ã‚  Banking has never been considered attractive as an industry, but the industry has virtually been embodied in the movement of bigger, faster, and more. The BANK OF New York has been involved in faster transactions via ATM’S and the Internet. They have also been involved in more proceeds such as insurance and securities.   Ã‚  Ã‚  Ã‚  Ã‚  The Bank of New York has been notable in de-emphasizing lower margin traditional banking operations and has focused on more lucrative technology based activities such as transaction processing and account custody services.   Ã‚  Ã‚  Ã‚  Ã‚  Given The Bank of New York redirection of its focus and earnings potential it would our opinion to invest in this company’s stock. The Bank of New York seems to be a leader in its industry class and the value of its services will certainly be recognized in its future performance and innovation. Trend Analysis for Bank of New York 2004, 2003 & 2002