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Online Banking - Essay ExampleBanks have had to adopt current technology in order to remain competitive, retain their customers and lower operation costs.Online banking was started in the 1980s by a few banks in the United States. Four major banks in New York adopted online banking to allow customers maintain electronic checkbook registers, check account balances, make fund transfers and other banking related activities. Online banking, also known as Internet banking, is part of virtual banking that began with telephone banking and automatic teller machines (ATMs). Virtual banking is a banking system that is non-branch based. Services are provided through various electronic media such as telephones, personal computers, ATMs and the Internet. Virtual banking has existed for quite some time and its transactions costs are quite low as compared to branch transaction costs. Banks are investing in various forms of banking systems to expand their geographical and market coverage with regards to banking systems.

Climate change - Coursework ExamplePart of the problem with America’s stance on climate change is that many Americans are, as yet, unconvinced about the authenticity of the claims that the earth’s temperature having an effect on global weather conditions. It does not help when some of these skeptical people are sitting members of the United States Congress. If the people in charge of debating laws do not approve of international efforts to deal with climate change, then there can be little hope for the rest of us. The key thing with global warming is that there is a joined international effort to stop it. Because it affects the whole world, each country is forced to deal with the problem on its own. The United Nations Framework Convention on Climate Change is the first step to solving the problem. It may not be perfect, but it is a start.

Identity Development And Societal Attitudes of Gay, Lesbian And Bisexual Adolescents - Essay Exampleormation of self-identity is closely connected with the formation of sexual identity and as well as with individual’s sexual relations and societal behaviors. In the process of LGB identity formation and realization, an individual makes an attempt to solve a problem of internalized homophobia and redirects negative attitudes into negative attitudes. Further on, an individual feels comfortable when his “hidden” LGB identity is revealed by others. In order to trace the stages of LGB identity formation, it is relevant to refer to the modern literary sources that were focused on this issue. Having given a brief review to the modern scholarly journals, we can clearly see that identity formation among gays, lesbians and bisexuals is generally associated with the most important age stages. In these studies a linear research is provided. In other words, it is studied the way an individual is evolving from the stage of sexual attraction to sexual activities.