Monday, May 25, 2020

Yu Chen And The White Man Behind The Poem Essay - 1489 Words

Yu-Chen and the White man behind the poem. A very interesting topic, the article focuses on a white man s journey to publication in which he has to fake his name in order to have his poem receive recognition. Does the color of your skin matter? In what ways are the life experiences of an Asian American man more fascinating than a white American? Is the poem any good or is it just the writer s image that is worth anything? Option d: Ulitaritism What should I do? According to Jeremy Bentham and John Stuart Mill we should live for pleasure because it is good. Good equals pleasure. Maximizing the good for the greatest amount of good for the greatest number. Also, it was said that under this philosophy that everyone s good is worth the same and it is all equal to another person s good. Yu-Chen s poem, published as Yu-Chen, was published with the greatest amount of good possible. By using an Asian name he drew attention to the Asian American community and that is good, right? But he is a white man and did it solely for his pleasure, and to see if he could. What he did wasn t illegal, it wasn t wrong but it bothered everyone because he was a privilegalled white man using an underprivileged name to get attention. This action shows the hypocriacy of judging someone on their lineage. Yes, this is American and a lot of things were done under the assumption that it was for the greatest good of the country, but n ot everything. Most every family in nation was theShow MoreRelatedComparative Study of Pakistan Chinese Cultures13385 Words   |  54 Pages† and when Culture in this sense is the unstated rules by which was warned not to speak to women on the street or in other places of potential casual contact. country wear long loose white robes and red checkered head scarves. The scarves are different one from the other, with each indicating which tribe the man belongs to. Women wear long black robes, some covering their entire faces. One can see them standing looking in shop windows that display colorful Italian women’s evening gowns, whichRead MoreConfucianism in Journey to the West31834 Words   |  128 Pagesposition is that media do indeed influence viewers behavior.[28] Television programs are thus most likely produced and assessed with this notion in mind. Therefore, regardless of whether this view is correct or incorrect, a study on the intentions behind the Journey to the West drama series makes sense. 3. Background 3.1. China’s Media Reform Understanding China’s media landscape and the changes it has undergone, is essential for comprehending Journey to the West. 3.1.1. From Class Struggle toRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesUniversity William J. White, Northwestern University David Whitlock, Southwest Baptist University Dan Wiljanen, Grand Valley State University Dean Williamson, Brewton-Parker College Hilda Williamson, Hampton University Alice Wilson, Cedar Crest College Barry Wisdom, Southeast Missouri State University Craig Wishart, Fayetteville State University Laura Wolfe, Louisiana State University Melody Wollan, Eastern Illinois University Evan Wood, Taylor University Fort Wayne Chun-Sheng Yu, University of HoustonVictoria

Thursday, May 14, 2020

Biography of Juan Ponce de León, Conquistador

Juan Ponce de Leà ³n (1460 or 1474–1521) was a Spanish conquistador and explorer who was most active in the Caribbean in the early part of the 16th century. His name is usually associated with the exploration of Puerto Rico and Florida, where, according to popular legend, he searched for the legendary Fountain of Youth. He was wounded in an Indian attack in Florida in 1521 and died in Cuba shortly thereafter. Fast Facts: Juan Ponce de Leà ³n Known For: Exploring the Caribbean and discovering FloridaBorn: 1460 or 1474 in Santervà ¡s de Campos, SpainDied: July 1521 in Havana, CubaSpouse: LenoraChildren: Juana, Isabel, Maria, Luis (some sources say three children) Early Life and Arrival in America Ponce de Leà ³n was born in the Spanish village of Santervà ¡s de Campos in the current-day province of Valladolid. Historical sources generally agree that he had several blood ties to an influential aristocracy, but his parents are unknown. His date of arrival in the New World isnt certain: Many historical sources place him on Columbus second voyage (1493), while others claim that he first arrived with Spaniard Nicolà ¡s de Ovandos fleet in 1502. He could have been on both and gone back to Spain in between. In any event, he arrived in the Americas no later than 1502. Farmer and Landowner Ponce de Leà ³n was on the Island of Hispaniola in 1504 when native Indians attacked a Spanish settlement. Ovando, by then  the governor of Hispaniola, sent a force in reprisal that included Ponce de Leà ³n as an officer. The natives were brutally crushed. He must have impressed Ovando because he was awarded a choice piece of land that came with a number of natives to work it, as was the custom at the time. Ponce de Leà ³n made the most of this plantation, turning it into productive farmland and raising vegetables and animals including pigs, cattle, and horses. Food was in short supply for all the expeditions and exploration taking place, so he prospered. He married a woman named Leonor, an innkeeper’s daughter, and founded a town called Salvaleà ³n de Higà ¼ey, now in the Dominican Republic, near his plantation. His house still stands and is open for tours. Puerto Rico At that time, nearby Puerto Rico was called San Juan Bautista. Ponce de Leà ³n made a clandestine visit to the nearby island sometime in 1506, probably following rumors of gold. While there, he built a few cane structures at a site that would later become the town of Caparra and, even later, an archaeological site. In mid-1508, Ponce de Leà ³n asked for and received royal permission to explore and colonize San Juan Bautista. He set out in August, making his first official voyage to the island in one ship with about 50 men. He returned to the site of Caparra and began setting up a settlement. Disputes and Difficulties Ponce de Leà ³n was appointed governor of San Juan Bautista the next year, but he quickly ran into trouble with his settlement following the arrival of Diego Columbus. Christopher Columbus son was made governor of San Juan Bautista, Hispaniola, and the other lands his father had found in the New World. Diego Columbus wasnt happy that Ponce de Leà ³n had been given royal permission to explore and settle San Juan Bautista. Ponce de Leà ³ns governorship was later validated by King Ferdinand of Spain, but in 1511, a Spanish court found in favor of Columbus. Ponce de Leà ³n had many friends, and Columbus couldnt get rid of him completely, but it was apparent that Columbus was going to win the legal battle for San Juan Bautista. Ponce de Leà ³n began looking for other places to settle. Florida He asked for and was granted royal permission to explore for lands to the northwest. Anything he found would be his, as Christopher Columbus had never gone there. He was looking for Bimini, a land vaguely described by the Taà ­no natives as a wealthy land to the northwest. On March 3, 1513, Ponce de Leà ³n set out from San Juan Bautista with three ships and about 65 men. They sailed northwest and on April 2 discovered what they took for a large island. Because it was the Easter season (known as Pascua Florida, roughly Easter flowers, in Spanish) and because of the flowers on the land, Ponce de Leà ³n named it Florida. The location of their first landfall is unknown. The expedition explored much of the coast of Florida and several of the islands between Florida and Puerto Rico, such as the Florida Keys, Turks and Caicos, and the Bahamas. They also discovered the Gulf Stream. The small fleet returned to San Juan Bautista on Oct. 19. King Ferdinand Ponce de Leà ³n found that his position in San Juan Bautista had weakened in his absence. Marauding Carib Indians had attacked Caparra and Ponce de Leà ³n’s family had narrowly escaped with their lives. Diego Columbus used this as an excuse to enslave any natives, a policy that Ponce de Leà ³n didnt support. He decided to go to Spain. He met with King Ferdinand in 1514. He was knighted, given a coat of arms, and received confirmation of his rights to Florida. He had barely returned to San Juan Bautista when word reached him of Ferdinand’s death. Ponce de Leà ³n returned once again to Spain to meet with the regent, Cardinal Cisneros, who assured him his rights to Florida were intact. Second Trip to Florida In January 1521, Ponce de Leà ³n started preparations to return to Florida. He went to Hispaniola to find supplies and financing and sailed on Feb. 20. Records of the second trip are poor, but evidence suggests it was a fiasco. He and his men sailed to the western coast of Florida to found their settlement. The exact location is unknown. Soon after they arrived, a ferocious Indian attack drove them back to the sea. Many of Ponce de Leà ³ns soldiers were killed, and he was seriously wounded in his thigh by an arrow that possibly was poisoned. Death The trip to Florida was abandoned. Some of the men went to Veracruz, Mexico, to join conquistador Hernà ¡n Cortes. Ponce de Leà ³n went to Cuba in the hopes that he would recover there, but it was not to be. He died of his wounds in Havana sometime in July 1521. The Fountain of Youth According to legend, while Ponce de Leà ³n was in Florida he was searching for the Fountain of Youth, a mythical spring that could reverse the effects of aging. There is little hard evidence that he seriously searched for the spring; mentions appear in a handful of histories published years after he died. It wasnt uncommon for explorers of the time to search for or supposedly find mythological places. Columbus himself claimed to have found the Garden of Eden, and countless men died in the jungles searching for El Dorado, the gilded one, a mythical place of gold and precious jewels. Other explorers claimed to have seen the bones of giants, and the Amazon is named after mythological warrior-women. Ponce de Leà ³n might have been looking for the Fountain of Youth, but it would certainly have been secondary to his search for gold or a good place to establish his next settlement. Legacy Juan Ponce de Leà ³n was an important pioneer and explorer most often associated with Florida and Puerto Rico. He was a product of his time. Historical sources agree that he was relatively good to natives who were assigned to his lands—relatively being the operative word. His workers suffered greatly and rose up against him on at least one occasion, only to be brutally put down. Still, most other Spanish landowners were much worse. His lands were productive and very important for feeding the ongoing colonization effort of the Caribbean. He was known, however, for brutal attacks on indigenous populations. He was hard working and ambitious and might have accomplished much more had he been free of politics. Although he enjoyed royal favor, he couldnt avoid local pitfalls, including constant struggles with the Columbus family. He will forever be associated with the Fountain of Youth, although he was far too practical to waste much time on such an endeavor. At best, he was keeping an eye out for the fountain and any number of other legendary things as he went about the business of exploration and colonization. Sources Fuson, Robert H. Juan Ponce de Leà ³n and the Spanish Discovery of Puerto Rico and Florida. McDonald and Woodward, 2000.Puerto Ricos History, WelcometoPuertoRico.org.

Wednesday, May 6, 2020

Parkinson s Disease And The Disease - 1336 Words

Parkinson’s disease is a chronic disorder of the nervous system with a gradual onset that primarily affects the body’s motor system. The symptoms of the disease are mainly caused by the death of dopamine-producing cells in the midbrain. Dopamine is an important neurotransmitter that, among other things, is responsible for playing a role in how the brain controls bodily movements. Therefore, the cardinal symptoms of the disease are movement related, including tremor and rigid, jerky movements. Parkinson’s is a progressive disease, meaning it gets worse over time, until it eventually leads to complete disability. Parkinson’s is a fairly common disease, and several well-known people, such as actor Michael J. Fox and boxer Muhammad Ali have†¦show more content†¦Parkinson’s disease produces both motor symptoms and nonmotor symptoms. There are four cardinal motor symptoms of Parkinson’s: tremor, rigidity, bradykinesia (slow movements), and postural instability. Tremor is the most obvious symptom of Parkinson’s, as well as the most common. The tremor is uncontrollable and is most noticeable when the limb is at rest; when the limb is in use, the tremor disappears. Often times, the tremor only affects the hand or foot on one side of the body, but it can eventually become bilateral. Rigidity is characterized as stiffness and resistance to movement in the limbs. The arms, legs, face, and back are areas commonly affected. Early on, rigidity can cause joint pain, often in the shoulder. Bradykinesia is one of the most common symptoms of Parkinson’s. It is described as slowness and difficulty in initiating and making movements, especially repetitive movements and fine motor skills, such as writing. Bradykinesia greatly affects the ability of the Parkinson’s sufferer to perform common activities of daily life, like getting dressed. According to Nolden (2015), postural instability is the imbalance and loss of righting reflexes. This is usually a symptom that shows up in the late stages of Parkinson’s. Postural instability is linked with high rates of hip fractures in people with Parkinson’s disease, due to increased falls. Aside from the four cardinal motor symptoms, there are secondary motor symptoms that goShow MoreRelatedParkinson s Disease : Disease1737 Words   |  7 Pages Parkinson’s disease Parkinson’s Disease INTRODUCTION Wong, Gilmour and Ramage-Morin (2014) states that Parkinson’s disease comes second on the list of most common degenerative disorder of the nervous system. Dopamine, a substance synthesized in the body, is responsible for the normal movements of the body (Wong, Gilmour and Ramage-Morin, 2014). In Parkinson’s disease, the cells responsible for synthesizing Dopamine are damaged and incapacitated to form it (Wong, GilmourRead MoreThe Disease Of Parkinson s Disease1648 Words   |  7 Pages Abstract Parkinson’s disease has been cataloged as one of the most serious and slowly progressive neurodegenerative disease that affects a wide array of motor and non-motor aspects that impact the function of a person. Afflicting over four million Americans and the second most common neurological disorder after Alzheimer’s disease, Parkinson’s continues to take its toll on the neurological health of many(Constantinescu et al, 2007 ). James Parkinson, a British physician first coinedRead MoreParkinson s Disease : Disease3496 Words   |  14 Pages Parkinson s disease Twanda H. Lewis North Carolina Wesleyan Dr. Quinan Parkinson s Disease Twanda H. Lewis North Carolina Wesleyan Dr. Quinan Outline Abstract†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦5 Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 6 Symptoms†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 6 Tremor†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦ 6 Slow Movement†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 6 Rigid Muscles†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 7 Disfigured Posture†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 7 LossRead MoreParkinson s Disease : Disease1494 Words   |  6 PagesPARKINSON’S DISEASE INTRODUCTION: If you eat unhealthy, fatty foods your whole life, you have a higher risk of developing diabetes, cardiovascular disease, or arteriosclerosis. If you have unprotected sex, you may contract a sexually transmitted disease, such as syphilis, gonorrhea, or HIV/AIDS. But, Parkinson’s doesn’t racially discriminate, nor does it care if someone is wealthy, poor, educated, non-educated, male or female. Anyone can develop Parkinson’s disease. The disease begins inRead MoreParkinson s Disease : A Disease1196 Words   |  5 PagesParkinson’s disease Chase J Fowler Missouri Southern State University â€Æ' What is Parkinson’s disease (PD)? Parkinson’s is a disease that causes the nervous system to degenerate which means that person’s health is declining mentally, physically, and morally. Parkinson’s causes a loss in balance, which is the cause for most of the falls. These falls lead to the most injuries a Parkinson’s patient has; whether it be fractures or concussions. It causes a loss in muscle movement and muscle control. PatientsRead MoreParkinson s Disease1007 Words   |  5 PagesScientists generally agree that most cases of Parkinson’s disease result from some combination of nature and nurture the interaction between a people’s underlying genetic make-up and his or her life activities and environmental exposures. A simple way to describe this is that â€Å"genetics loads the gun and environment pulls the trigger.† In this formulation, â€Å"environment† has a very broad meaning that is, it refers to any and all pos sible causes other than those that are genetic in origin. The interactionsRead MoreThe Disease Of Parkinson s Disease1077 Words   |  5 Pagespaper is limited to Parkinson’s Disease. Parkinson’s Disease was thoroughly researched and will be described in depth including: physiology, etiology, signs and symptoms, diagnostic testing, therapeutic measures, and short vs. long term effects. Keywords: Parkinson’s Disease, dopamine, diagnosis, symptoms Parkinson’s, a Central Nervous System Disorder Since becoming a nursing student I have learned about several diseases and disorders. When hearing the term, â€Å"disease† one might imagine such thingRead MoreThe Cure Of Parkinson s Disease1761 Words   |  8 PagesAbstract Parkinson s is a very complex subject since there is still no cure and heredity still can t be proven. As a CNA you are expected to know that there are different diseases with different needs. Parkinson s has many signs and symptoms. If tremors are noticeable it is best to get a check up, but just because you show signs it is no reason to self diagnose. Before Parkinson s begins you can always try to prevent it. Who knew caffeine could prevent Parkinson s. Although Parkinson s can beRead MoreParkinson s Disease And Its Effects1299 Words   |  6 PagesParkinson’s Disease An estimated eight million people are living worldwide with Parkinson’s Disease. Parkinson’s is a disease where the nerve cells, called neurons die in your brain. These neurons that die produce a brain chemical, dopamine which is a neurotransmitter. As the neurons die or become damaged the lack of dopamine creates the symptoms and disease. The neurons that die are located in your Substantia Nigra in the brain. The nerve cell affects your entire nervous system. The neurons transmitRead MoreSymptoms Of Parkinson s Disease1168 Words   |  5 PagesSome people may know what Parkinson’s Disease is but not what it is capable of. Many may not even be aware that Parkinson’s Disease exists. Michele Tagliati, Gary N. Guten, and Jo Horne explain that â€Å"Parkinson’s Disease is a disease in a group of conditions called movement disorders -- disorders that result from a loss of the brain’s control on voluntary movement† (10). With this being said, a neurotransmitter in the brain called Dopamine sends signals to regions in the brain that are the control

Tuesday, May 5, 2020

Anz Bank Research Essay Example For Students

Anz Bank Research Essay Table of Contents: 1. 0. Introduction:2 1. 1 Background:2 1. 2. Aim and scope:2 1. 3. Limitations of study:2 2. 0. Discussion:3 2. 1. Qualitative research:3 2. 1. 1. Focus group:3 2. 1. 2. In-Depth interviews:4 2. 1. 3. Observations:5 2. 1. 4. Mixed qualitative research methods:5 2. 1. 5. Delphi research:5 2. 1. 6. Analysis on qualitative research methods:6 2. 2. Decision on collecting method:6 2. 3. Quantitative research:7 2. 4. Questionnaire:8 2. 4. 1 Customers:8 2. 4. 2. Employees:12 2. 5. Ethical and Biases issues:13 2. 6. Analysis of Measurement scale:14 3. 0. Sampling decision:15 4. 0. Research findings and recommendations:16 5. 0. Conclusion:17 6. 0. References:19 1. 0. Introduction: 1. 1 Background: The Market research was required by the ANZ bank as the bank is finding decline in its sales revenue since last year. Management feels that the customer dissatisfaction is the major reason behind sales declines. The management intends to know the exact reasons behind the customer dissatisfaction through the allocation of the private research team as an utsourcing. This market research is a wide concept which requires conducting an analysis of various concepts for coming up with the conclusion to the ANZ bank. These conclusions from the market research will help in making better management decision to the ANZ. 1. 2. Aim and scope: The Aim of the report is to make market analysis of the ANZ customers through the research techniques and principles. In order to make an analysis the report includes problem d efinition, propositions, research design (assignment 1). Under research design it comes across the qualitative and quantitative methods of research. The analysis of better method for banking sectors will take place in the later section. After the selection of the sampling methods will be used for making decision on how much sample is to be considered for the analysis out of the selected population. Finally the report includes findings and recommendations to study. 1. 3. Limitations of study: The study conducted for the ANZ banks problem is not realistic in this situation as the figures are estimated approximately without primary research. The secondary data is also not merely available to the public as it is confidential to the companies due to competitors. 2. 0. Discussion: In the previous part of the report we have found that why and how the market research has started for the ANZ bank. There was a need for better management decisions in relation to its decrease in the sales revenue due to its customer dissatisfaction and also wanted some information pertaining to the new implementation strategies. These propositions demanded the market research on the bank customers, bank employees and their opinion on the proposed strategies. In order to receive and to make a better decisions there was a need for a better research decisions through accuracy, relevancy, valid and current information, which we have already developed in the first part of the report. The definition, proposition, decision criteria for data collecting methods, plan and development, data collection and performance analysis were the main parts of the design were laid down in the previous part. But in this part of the report the detailed analysis of these design parts will be taken place. . 1. Qualitative research: Beaumont, R, 2009 states that, the qualitative type of research is still the best way of research as it keenly insight into the people and relates with the situations. So this type work well to the banking sector which we considering for ANZ bank. Even the technological developments have boosted the qualitative research and helped in brining high quality and sound information. The most popular methods of qualitative research are focus g roup and depth interviews and observations. . 1. 1. Focus group: Focus group is one of the research method in which the group discussion on consumers will take place. This method includes group which might include six to eight members in order to discuss on the topic moderated in the research. Each group provides their discussion for about ninety minutes and sometimes depends on the limit of the members in the group (Burnard, P, 2004). But there is a need for discussing on the certain areas which are important according to the moderator. For example: ANZ is concerned about their customer dissatisfaction to their services and their business strategic decisions. In this situation there is a need for discussion relating to service. This type of the research arise questions and provides comments from different members of group. However, studies reveal that there is lack of interviewer effect and achievement of realism is bit difficult part in this type of research. In order to conduct focus group the best way is face to face and sitting under one roof. But due to technological and geographical distances some times the telephone based group will be used however it doesn’t provide quality information as there won’t be proper communication, body language, feeling etc in their discussion (Burnard, P, 2004). The online group discussion sorted some of telephone type research, but still not affective as direct face to face discussion. 2. 1. 2. In-Depth interviews: This is a second important method in qualitative research method which involves one to one deeper interviews according to the researcher views and it is also more open type of research method. This method is most popular to the ANZ case as it concentrates on the consumers market which needs concentration on customer’s service, offering of different products etc and business to business research by comparing different business such as comparing ANZ bank with Commonwealth bank, St George, Westpac etc. On an average this method takes place around an hour. This method is an open typed unlike questionnaires and which allows the interviewer to search interesting and required areas of research. But still it includes questions and questionnaire like elements and answers. Even in this case such as focus group the quality of research depends on the depth of the knowledge from both parties of interview. Particularly in dealing with business to business concept there is a need for better knowledge in other businesses promotions, strategies in dealing with customers, and their products etc. There is need for key business areas by the moderator also as they provide dealing concept to the interview. In this method, both telephone and online research are also effective like face to face interviews (Burns, A, Bush, R 2004). However, the success of the interview through these methods will depend on the mood of the other person participating in the interview. 2. 1. 3. Observations: Observations are more popular and coming along with the development of market research concept. This method is most popular for consumer oriented market research as like we are concentrating on the ANZ bank customers. The observation from the bank customers can be noted why the customers are not happy with the banking services and accordingly the grading of problems can be done and which is helpful in making decisions. The technology also helped in making videos which not only help in describing about the customers, rather it give details of enter daily task of customers. This make a feel of researcher live with the respondents and help in knowing better about the customers. The usability of the services can be well studied with the use this traditional method (Beaumont, R, 2009). Even readily available video based low cost cameras with editing facilities help in better observation. 2. 1. 4. Mixed qualitative research methods: Mixed or hybrid method is the one which can not be categorised into above methods. This method is like that of a friendship pairs which means, two people interviewed together, and triads’ means three people. Usually these persons shouldn’t be known to each to other or else there will be risk of unbalance. But this method gives more open discussion and can expect more than interviewers lead. Among the focus group it can include the conflict group which includes the debate on two sides or in reverse affinity group which includes the like minded people. Some times during the necessity there will be bigger conversation among hundreds of people stimulated by the questionnaire which is termed as online research community which helps in making business decisions (Burnard, P, 2004). 2. 1. 5. Delphi research: This is a more advanced method of forecasting for new fields of study in which the group of experts are asked to provide their opinions and will be asked to reforecast the research until receiving the common view. These experts provide numerical data and justifications to support the arguments and thoughts. TO HIS COY MISTRESS Essay PaperThe misunderstanding and inappropriate co operation from the public principles will results in ineffective observational results. The better suitable method is required to reduce the ethics of collecting data. In case of quantitative research, the responses gathered through in person will have better results, but still there is a need for selection of customers across different region, different age, and different sex as each one will have different preferences. Same persons might do survey for many times and there should be one authorisation per an account in order to reduce double interviews. And out of 2. 5 million customers, we have to select the customers for online research through the allocation of interview option to only limited number with different age, gender etc through their records in the bank. 2. 6. Analysis of Measurement scale: In the banking research the measurements should be valid and appropriate for the instrument. In some questions nominal scale is used for obtaining personal data and this scale for those is with no intrinsic value or quality. In some questions we used ordinal scale as we comparing the service with other banks (Kimmel, A, Smith, C, 2000). Interval scale was used in most of questions as it was most appropriate in analysing the customer service related problems. The reliability and validity are the two important factors in measurement scale. The reliability shows the questions should be reliable to the research and a question with different options will give different opinions for same questions from different customers. These results will help in making alternative decisions on the same scenario and which will get some additional results. The correlation among the results be will be used for decision and will be implemented according to the different options and checked later for final decision (Golafshani, N, 2003). Validity is the other important thing for measurement scale in which the options should be valid for the research. The validity is the strength of conclusion and inference. The validity will help in predicting as precisely as possible through the questionnaire opinion (Golafshani, N, 2003). 3. 0. Sampling decision: Sampling is the subset of the population which should represent the entire group. The customers and employees of bank are population for the research (Sapsford, R, Jupp, V, 1998). It is not possible to consider and interview the whole population in which the limited number of person have interviewed and considered as the sample for the study. The ANZ bank has approximately over a million customers and about 40,000 (www. anz. com) employees. The target audience for the study is over million persons and which is population. Let us assume that the customer and employees of ANZ will be 2. 5 million. For the entire population, it is not at all possible to interview each one of them. In such a case we should go for sampling formulas for calculating the sample figure out of the population. With the use of the below formula, (Research Advisors, 2006) where, n = Sample size = Chi-square for the specified confidence level at 1 degree of freedom N = Population Size = 2. 5 million (ANZ media releases) P = population proportion (. 50) ME = desired margin of Error (expressed as a proportion) = 1. 0% so, n = 9567(sample size) In order to get a better results, the sample should be a minimum of 9567 (approximately as the figures as approximate) at the 95% confidence level. The interviewing of 9567 bank customers and employees (altogether at a proportion) is necessary for making better decisions by the bank on the basis of market research results (Gron, C, 2007). Sampling validation is essential in order to assure the client that the sample is a representative of population on which the decision makers wish to make a decision (Gron, C, et al 2007). This 9567 is the sample which is to be considered by the bank management for making the decision and coming to the conclusions. The market researchers can mention the above method for sample calculation and can provide a report on the basis of above figures to the client. 4. 0. Research findings and recommendations: The analysis of the various research design concepts mentioned in the below table from both the parts of the report will come with the findings and recommendations. Research Problem, issue and need †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Research Proposition †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Components parts of research †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Nice to know and Need to know concepts†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Information Gap filled through primary research†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Triangulations on research†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Qualitative research†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Focus group†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ In-Depth interviews†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Observations†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Mixed qualitative research methods†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Delphi research†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Analysis on qualitative research methods†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Decision on collecting method†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Quantitative research†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Questionnaire†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Customers†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢ € ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Employees†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Ethical and Biases issues†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Analysis of Measurement scale†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Sampling decision†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. The research made on the sample gathered through various methods of data collection shows that customers are not satisfied with the service because of the various reasons. This shows that services, convenience, offers and financial benefits are said to be main reason for customers’ dissatisfaction in the ANZ bank customers. Banking environment, staff behaviour, technological ease of use and strict attention towards the company rules said to be other factors which lead to the customer dissatisfaction. But among the opinions both important factors correcting measures will be, implementation will come up with the results, however the first important factors will be more than enough to retain and stop diverting the customers. The research findings shows that the customers are not satisfied with the bank is mainly because of the company strategies, policies in relating to the financial benefits to the customers. There is a need for better interest rates to the accounting holders, better credit options, reduction in mortgage loan rates, and increase in ATM and banking facilities to the customers. This development in the bank will increase the customers’ satisfaction and retention. The other banks are providing more branches to the doorsteps, their banking systems are simple and, most importantly the technological use in ANZ is a bit complicate compared to main competitor Commonwealth bank. There is also a need for better training and development for the staff to communicate with customers and management policies towards the employees also should be managed well with normal control. 5. 0. Conclusion: The detailed analysis of the study shows that the research methodologies and design are most important part in coming up with the better decisions. There is a need for consideration on ethical aspects as everything depends on the psychological, demographic and geographic factors as ANZ is located all over the world. After all, the research should be made with the sample which will give better decision criteria. Finally, it is noticed there are various concepts to be implemented in the company in order to come up with the better results with completely saturated level. This will allow the company to compete any sort of the company and also will help in making decision across the branches of the entire world. 6. 0. References: ? Beaumont, R, 2009, â€Å"Quantitative/Qualitative research fundamental propositions: Applied to theories of human communication†, organ players. ? Burns, A, Bush, R 2004, â€Å"Marketing research: online research applications†, 4th edn, Prentice Hall, pg. 642. ? Burns, A C Bush, R F 2010, â€Å"Marketing Research†, Global ed. , Pearson Education, Upper Saddle River. ? Burnard, P, 2004, â€Å"writing a qualitative research report†, Accident and emergency nursing, Vol. 2, Iss. 3, pg. 176-181. ? Farquhar, J, Panther, T, 2008, â€Å"acquiring and retaining customers in UK banks: an exploratory study†, Journal of retailing and consumer services, Vol. 15, Iss. 1, pg. 9-21. ? Golafshani, N, 2003, â€Å"understanding reliability and validity in qualitative research†, the qualitative report, Vol . 8, No. 4, pg. 597-607. ? Gron, C, Hansen, J, Magnusson, B, Nordbotten, A, Krysell, M, Andersen, K, and Lund, U, 2007, â€Å"Uncertainty for Sampling†, NT technical report, Nordic innovative centre, ISSN 0283-7234 Gron, C, 2007, â€Å"sampling- validation, quality control and uncertainty estimation†, DHI group, Denmark ? Hallowell, R, 1996, â€Å"the relationships of customer satisfaction, customer loyalty, and profitability: an empirical study†, International journal of service industry, Vol. 7, Iss. 4, pp. 27-42. ? Kimmel, A, Smith, C, 2000, â€Å"deception in marketing research: ethical and methodological and disciplinary implications†, Centre for marketing working paper, London Business School. Konza, D, 1998, â€Å"Ethical issues in qualitative research: what would you do? †, University of Wollongong. ? Nerb, G, 2002, â€Å"Development of a new business survey in the banking sectors: the experience of the IFO institute†, OECD the organization for economic and cooperation and development, IFO institute. ? Sapsford, R, Jupp, V, 1998, â€Å"data collection and analysis†, the Open University, British Library cataloguing in publication data ? www. abs. com. au ? www. anz. com ? ANZ media releases.