Steve Jobs' Commencement Speech at Stanford University Essay

Steve Jobs' Commencement Speech at Stanford University - Essay Example This paper aims at identifying the main elements of Steve Jobs' Commencement Speech at Stanford University that enables the listeners to comprehend and connect with the speaker individually and collectively. In attaining this end, the research will examine the use of logos, pathos, and ethos to make the listeners understand the full speech and some components of the speech. This paper is in the form of rhetorical analysis. It tries to examine the main components of the speech and the kind of message it seeks to communicate to the audience. Rhetoric analysis â€Å"...lays bare or adequately interprets the secret life of a form of communication or speech†. In other words, the paper seeks to decode the main influence that the message seeks to exert on the mind of the listener. It tries to comprehensively examine the kind of information that Steve Jobs seeks to assert on the graduands by breaking down the speak. Rossenwasser and Stephen identify that â€Å"to analyze the rhetoric of something is to determine how that something persuades and positions its readers or viewers or listeners.† Ethos is about the credibility and the ethical appeal that the speaker has over the listener. It is mainly about how the audience relates to the speaker and the contacts that occur whilst the discussion goes on. Although there is no agreed standard in measuring the potency of ethos, the commonest method of evaluating this is to examine the emotions of the audience. The audience reacts by clapping and shouting to show their connection with the speaker. In this speech, there are so many emotions that are shown at different points in the interaction between Steve Jobs and the graduands. There were instances where the crowd screamed and there were other times where they clapped. Also, at the end of the entire speech, there was a standing ovation which gave an indication to a bystander that the speech had had some influence on the people present and this is very much evide nt of ethos. In analyzing the speech of Steve Jobs, there are four main components of ethos that can be conveniently examined to bring to bear the kind of connection that existed between the audience and speaker during the whole speech. Credibility refers to the trust and worth of a person's communication with another. This refers to how factors that cause a listener to place more reliance on the words of another person. First of all, the personality of Steve Jobs is one that grants him so much credibility. Being nominated as the speaker for the event in itself is something that comes with a lot of reputation for the event.

Macbeth a tragic hero Essay Example for Free

Macbeth a tragic hero Essay A Tragic Hero is a common figure in many of Shakespeares works. A Tragic Hero is usually a figure of royalty, fame or greatness. This person is predominately good, but falls from prominence due to personality flaws that eventually lead to self-destruction. Macbeths major flaws are his ambition and impressionability. Due to their flaws, a Tragic Heros actions are often atrocious and cause them to battle with their conscience after their desires have been accomplished. These battles with their conscience evoke empathy from the audience. A Shakespearean Tragic Hero will always lose their life in the end of the play as a result of re-establishment of what is good in the play. In Shakespeares Macbeth, the title figure of the play can be seen as the Tragic Hero. There are many factors which contribute to the decline of Macbeth. The three main factors which contribute greatly to Macbeths degeneration are the prophecies which were told to him by the witches, Lady Macbeths influence and ability to manipulate Macbeths judgment, and finally Macbeths long time ambition which drove his desire to be king. Macbeths growing character decays from a noble man to a violent individual. When the play begins, Macbeths greatness is already established. Macbeth has already earned the title of Thane of Glamis and will soon become the Thane of Cawdor. The fact that he has these titles demonstrates to the reader that Macbeth is good and an important figure of responsibility. He is also addressed as Valiant cousin, worthy gentlemen. (Shakespeare 1:2 26), Brave Macbeth, well he deserves that name. (Shakespeare 1:2 18) and as Worthy Thane. by King Duncan. They way in which he is addressed by the influential members of his country further informs the reader that Macbeth is respectable. However, after Macbeth interacts with the three witches, his curiosity is stirred by their prophecies, especially their prediction that he will become king. He commits murder in order to fulfill their prophecy and then returns to the three witches a second time for reassurance. The three witches, with the aid of three apparitions, then revealed to Macbeth in Act 5, Scene 1 the following prophecies: Macbeth! Macbeth! Macbeth! Beware Macduff! Beware the Than of  Fife!Macbeth! Macbeth! Macbeth! Be bloody, bold and resolute. Laugh to scorn the power of man, for none of woman born shall harm MacbethBe lion-mettled, proud and take no care who chafes, who frets or where conspirers are. Macbeth shall never vanquished be until Great Birnam Wood to high Dunsinane Hill shall come against him. (Shakespeare 4:1 80-107) Because of these predictions, Macbeth believes that no one can harm him. However, this is a false sense of security. Macduff, who was born by a Caesarean section and therefore was not born of woman, ultimately killed Macbeth, thus revealing that the witches predictions were only half-truths. Macbeths good nature is increasingly defeated by one of his major flaws-ambition. His ambition and desire to become king leads Macbeth to take rash and sudden actions that are immoral. This includes ordering the murders of his friend Banquo and his son and Lady Macduff and her children, as well as personally handling the murder of King Duncan. His ambition is also displayed by his willingness to kill anyone who threatens his power. Macbeth is largely influenced not only by the three witches, but by Lady Macbeth as well. Lady Macbeth encourages Macbeth to murder the king, Duncan. She helps plan out the murder and even offers to do it herself. When Macbeth changes his mind and decides not to carry out Duncans murder, Lady Macbeth questions his masculinity and love for her. [We will proceed no further in this business.] From this time such I account thy love. Art thou afeard to be the same in thine act and valor as thou art in desire? Woudst thou have that which thou esteemst the ornament of life and live a coward in thine own esteem, letting I dare not wait upon I would, like the poor cat I th adage?When you durst do it, then you were a man; And to be more than you were, you would be so much more than a manThey have made themselves and that their fitness now does unmake you (Shakespeare 1:7 34-62) After Lady Macbeth accuses him of acting like a coward, he agrees to continue with Duncans murder. Macbeth is a prime example of a Shakespearean Tragic Hero. He is represented as a good man who, through his major character flaws- ambition and impressionability- falls from grace. After struggling with his conscience over the evil deeds he had committed throughout the play, Macbeth is killed and the rightful heir to the throne is restored to power.

Effect of the Financial Crisis on the British Economy

Effect of the Financial Crisis on the British Economy To what extent has Britain been affected by the financial crisis and what efforts contribute to recovery of the British economy? The worldwide financial crisis of 2007-2008 almost brought down the global financial system. The fundamental cause agreed broadly was the combination of credit and the housing bubble crunch (Acharya and Richardson, 2009). Most people are placed on the same side of credit ranking relaxing area; however, the question may be raised that why the housing bubble would bring the financial system instead of having an effect on just on the housing sector of the economy. The answer is assigned to the bankers and regulators on the Wall Street. In this global economic crisis, banks had shirked regulatory capital requirements with the temporarily placed assets increasing and the reduction on the number of holding capital requirement allowed by the regulators. The financial crisis began to out of control after September 2008 and led to a number of fairly large financial institutions bankrupt or takeover by governments. As a financial industry and service oriented country, although Britain has a smaller size of economies of scale than America, financial industry accounted for a greater proportion of the national economy, the real estate market existing bubble as well. Therefore, the British economy suffered a massive hit by the crisis and shaped the current British commercial and business scene (Hodson and Mabbett, 2009, pp. 1041–1061). These factors are making a huge influence on the public now, either at national or individual level. Under such circumstances, Britain tends to cut government expenditure to repay debt rather than cause inflation. In terms of the latest data from the Office for National Statistics, the British economy is picking up by 0.2% and confidence of consumers is being improved. This essay will contain two main parts. The first part aims to give an overview of the British economy has been affected by the financial crisis on the following aspects. They are currency devaluation, housing and mortgage market bubble as well as the employment policy. In the second part, this essay will demonstrate the consequences of these aspects and efforts contributing to the British economic recovery, especially for employment policy. For a better understanding, efforts and consequences will follow behind by introducing the three aspects. First of all, devaluation is a natural process in financial markets. All currencies exchange rates will rise or fall based on the international situation and the states financial condition. Assume 5 British pounds were able to buy 10 U.S. dollars years ago, today the pound could be devalued and its purchasing power would only be enough to buy 7 dollars. Compared with the devaluation of the market, governments around the world sometimes use devaluation as a balance tool to protect their trade. For instance, the country could benefit from the lower cost of its export of goods if the currency is devaluated. Meanwhile, the lower currency value encourages exports and discourages imports, which could improve trade deficit and imbalances for the country. So far, the sharp depreciation of sterling in 2008 was not due to naturally devaluation process but by the true power-driven, the global financial crisis (Broadbent, 2011). In addition, trade performance of the UK since financial crisis in 2008 has been part of an essential developments in the British economy. Despite a fact that extensive depreciation in the value of sterling, which should have enhanced the UK’s competitiveness theoretically, the performance of UK trade has remained relatively stable (Hardie et al., 2003). As can be observed in the figure 1, there was a massive depreciation from 2007 to 2008 and the trade deficit stayed open. At the same time, import prices went up by a fairly large amount as well as export prices according to the figure 2. Which is not coherence with economic theory that currency depreciation encourages exports and discourages imports. Figure 1: Sterling effective exchange rate and balance of UK trade Figure 2: Sterling effective exchange rate index and UK import and export price indices Figure 3: Earnings against inflation Moreover, the reason for why there was a large depreciation of sterling during 2007 and 2009 is because the value of the sterling is tied up with the price and turnover of financial assets in the City of London. While, the UK does not contribute to the same position as America, which has the Worlds’ reserve currency. And hence when asset prices took the hardest hit in 2007-2008, the sterling did as well. This phenomenon demonstrates the sensitivity of the sterling that might occur in the financial markets. Furthermore, based on figure 3, the consequences of sterling depreciation cause a dramatic decline with earnings growth from around 4.5 per cent in 2007 to just above 1 per cent in 2009, even though the price inflation decrease during 2008. Forecast could be made from the data that standards of living quality for British people fall markedly (Hardie et al., 2003). The second impact by the 2007-2008 global financial crisis within the British economy is housing and mortgage market bubble. The Royal Institute of Chartered Surveyors (2010) point out that the housing market is playing an essential role in UK economic activity, and there was a high owner-occupation rate stood at 68% in 2010 (Niklewski et al., 2013, PP. 518–530). However, the financial crisis associated with the credit crunch means that the UK market faced a further problem relating to the housing and mortgage market. Prior to the financial crash, borrowers were in a position to finance at least 95% of the purchase price using mortgage debt (Niklewski et al., 2013, PP. 518–530). By contrast, banks withdrew the majority of these offers after crash, and many increased the required down-payment from the historical average of 10 percent to 25 percent (Niklewski et al., 2013, PP. 518–530). The British Banking Association (2013) indicates that house purchases sum reduc ed from almost  £12 billion in November 2006 to around  £2000 in November 2008. Prima facie this had improved slightly to  £4550 million by July 2012, but this was still below the historical average. In terms of credit becomes more readily available eventually, the housing market still performs unlikely to revert to pre-crisis levels. Hence, the UK Financial Services Authority (FSA) placed proposals to a greater formal restriction on mortgage lending. The Council of Mortgage lenders suggested that the implementation of these proposed restrictions could see four million fewer mortgages in the United Kingdom over the subsequent four years (Niklewski et al., 2013, PP. 518–530). Finally, international financial crisis caused serious problems on the status of British employment. And the National Bureau of Statistics report shows that by October 2008, there were more than 150,000 jobs to be cut. Thus, UK jobless claims have increased by 257,500. Moreover, the British company lay off up to 38,588 people mainly due to high cost and low demand during the preceding three months. Under such situations, the British government had taken a number of steps to slow the further development of expanding unemployment and helped to recover the British economy to some certain extent. This could be split into two points. The first one is to encourage employment directly. And there are four policies will be presented at this point. Policy one: at least 100,000 new jobs were established through infrastructure projects. The British government implemented a total of  £10 billion for infrastructure investment plans in 2009, including education, transportation and other infrastructure projects in order to create at least 100,000 additional jobs. This measure was appropriate to provide a large number of jobs for British workers, reducing the unemployment rate as well as promoting the improvement of infrastructure. This has encouraged the development of economy and city construction in the long run. However, the biggest problem is the huge pressure for fiscal policy of expend iture, which may lead to British citizens’ tax burden in the future. The second policy was for women were received training allowance for re-employment. This policy had improved the housewife job enthusiasm to some significant extent, and it relieved the economic pressure due to decrease income by husband unemployment; also promoted the sex ratio of the employment market equilibrium. However, this policy has intensified competition among job markets, the employment situation will deteriorate further, and the effect may deviate from the original purposes. Policy three was the National Program to promote the employment of university students. Based on the view of the great employment pressure, the British government launched a National Program in 2009, helped the college students who were failed to find a job to get an internship in enterprise or other organizations, improving their occupation and comprehensive quality by skill training (White Paper, 2011). Then, reach the goal for the final realization of employment. This policy increased the quantity and quality of employment. At the same time, because of financial crisis, British unemployment rate for young people under the age of 25 continues to increase. Hence, the British government introduced a number of youth employment measures for 18 to 24 years old people, to help them find work or study, where can improve their employment skills (White Paper, 2011). The positive effect of this policy is obvious. For instance, recent figures from the Office for National Statistics show that about 30 million people were in work at the end of 2012, an increase of 154000 on the quarter to September, which is the most obvious improvement since 2007 (King, 2013) The last policy was restricting immigration. The British government started to increase the difficulty of immigrants in October 2008 (GOV.UK, 2014), and limited the number of British immigrants to the open jobs. This policy has reduced the British resident employment pressure to a certain extent, but it will cause hatred between the British and foreign immigrants, which may lead to the problem of racial discrimination. Meanwhile, this policy made life more difficult for immigrating people who have already lived in the UK. Therefore, government had to increase fiscal expenditure on their housing and daily expenses. Which was also made the foreign immigrants cannot engage in some work that British people do not want to engage in, it may hinder the British economic development to some extent. The second point was to pay a subsidy to the unemployed class, and this will be introduced by three policies. The first one was spending  £50 million to help the unemployed people. In order to cushion the impact of the economic recession, the British government planned to apply for a package of measures to help the long-term jobless workers back to the positions in the next two years since April 2009. Spending on this plan was around  £50million, which including paying compensation to the company to hiring workers who are unemployed for more than six months. These measures improved the re-employed workers’ skills and promoted the employment rate. However, paying subsidy to jobless people may cause ethical risks of enterprises. Because of obtain the compensation payment from the government, enterprises may take negative training even repeat its layoffs behavior, which leads to the re-employment rights and interests cannot be ensured. The second policy was that an unemployed worker could delay the mortgage interest payments up to 2 years. The British government provided guarantees to lenders, allowing those property buyers who lost their jobs and income appear serious decline can delay the mortgage interest payments up to 2 years. It helps to prevent the default risk on interest payment. If this policy is implemented, buyers can afford the monthly repayment, the risk of default will be reduced. Also, it helps the buyers overcome the current financial crisis smoothly. Nevertheless, there is no accurate calculation on the cost of risky loan guarantee provided by the government. If the cost is quite high, the reachable and feasibility of the reformed policy are still far from satisfactory. At the same time, the Bank of England offers loan, if the government is responsible for guaranteeing costs, the liquidity will become worse, which may lead to continuing market turmoil. The final policy was raising the minimum wage standard. The British government raised the minimum wage standards in the late 2008. However, it was obvious to see the dual characters of this policy during the recession. On the one hand, there is an undeniable fact that an increase in the minimum wage will increase income of workers living at the bottom of society relatively, which strengthen their basic livelihood security and maintain their basic living standard for low income groups. It serves to sustain the stability of British society. On the other hand, minimum wage standards will also increase the labor cost of enterprises directly. The increased burden would have a negative effect on employing workers, and cause the amount of jobless people increase, which deteriorates the employment environment. Even bring negative effect on the British economic recovery.

The Earth is surrounded by a covering of air which we call the atmosphe

The Atmosphere The Earth is surrounded by a covering of air which we call the atmosphere. It reaches over 384 miles from the surface of the earth, so we can only see what occurs in the troposphere and the tropopause. Nitrogen – 78% Oxygen – 21% Argon – 1% Carbon Dioxide – 0.035% Other – 0.00253% The above information highlights what the atmosphere is composed of. It is clearly visible that Nitrogen is the dominant gas as over three quarters of the atmosphere is made up of this. It is very fortunate that Nitrogen is not a very reactive gas because if it were not, that atmosphere would be far less stable and extremely dangerous. The pie chart refers to the atmosphere today but it was not always made up of these percentages. It seems that carbon dioxide levels have raised a lot and these rises may be down to many causes such as the industrial revolution and constant deforestation. Natural functions of the atmosphere The atmosphere is vital for life and acts as a life support system to al...

Adolescence & the human individual Essay

During childhood, children basically accept parental authority (Smentana, 1989) and an equilibrium is established in which parents largely determine and control relationships with their children within a context of acceptance and availability (Steinberg and Silverberg, 1986). However, in the state of approaching adolescence and especially during puberty, parent-child relationships are transformed in a number of ways (Collins, 1990). These changes entail increased assertiveness by both parents and children, decreased perceptions of acceptance, inhibited communication, increased incidence of conflictive exchanges, decreased expressions of physical affection and positive feelings among family members, and adjustments in the amount and kind of influence that children exert in family decision making. Difficulties with communication derive in part from sensitivities and embarrassment associated with pubertal changes and this, combined with the adolescent’s socio-cognitive development and querying of the inequalities in the parent child relationship, often result in tensions and heated exchange (Hill, 1988). Most families, while they sustain close bonds during children’s teenage years, experience such an escalation of conflict, particularly during the early stages of adolescence. Although much of the conflict has been described as â€Å"mild bickering, disagreements and conflicts over everyday issues and emotional stress during early adolescence† (Smetana, 1988), its effects can be debilitating. The role of parents is made more difficult by the legal and status ambiguity of the adolescent period. In today’s society, adolescence is an indeterminate period of transition with no rite of passage to mark the distinction between childhood and adulthood. It has been suggested that this has detracted from the capacity of some young people to function as successful adults (Campbell and Moyers, 1988). There is a lack of clarity in the status and legal rights of adolescents which sends confusing messages to parents and teenagers in their relationships with each other. However, several writers have suggested that these apparent perturbations in relationships may serve the positive function of facilitating adolescents’ independence and diminishing dependence on parents. Via conflicts, family members allow themselves to express distinctive and separate views (Grotevant and Cooper, 1986). It is true that during adolescence, a boy or girl must break, or at least loosen, the ties that bind him or her to home and parents. However, one should not assume that the complete break with, or indifference towards parents or open conflicts with them are a sign of maturity. Quite the contrary is true. Release from home authority is necessary, but revolt is probably not, although a proportion of each adolescent generation leaves home completely as a result of familial conflicts (Henricson and Roker, 2000). For the majority of youth, while once dependent upon their parents, adolescents begin to substitute their friends as the centre of their lives. The centrality of friends and friendship in the life of adolescents has been frequently stressed. It has been claimed that friendships are the most prominent features of the social landscape during adolescence and acceptance by peers generally, and especially having one or more close friends, may be of crucial importance in a young person’s life (Coleman and Hardy, 1990). Friendship among adolescents fulfils important tasks, such as providing much of the social context that allows proper performance of actions which will be accepted and rewarded by the peer group, strengthening the self and reaffirming its worth and value. Adolescents use the peer group to express their divided feelings and incoherent images in accordance with their emotional needs and to reinforce their behaviour as they conform to peer norms and behaviour styles (Tatar, 1995). Adolescents perceive popularity and attainment of social status among peers as beneficial and positive, reflecting their desirability as a friend. Adolescents also form larger, more loosely organised groups called crowds. Unlike the more intimate clique, membership into the crowd is based on reputation and stereotype. Whereas the clique serves as the main context for direct interaction, the crowd grants the adolescent an identity within the larger social structure. Adolescents are very aware of the differential social status conferred upon different groups, and this knowledge can affect self-evaluation: categorisation of the self as a member of an unpopular or lower status group can be detrimental to feelings of self-worth and self-esteem (Denholm, Horniblow, and Smalley, 1992). Susceptibility to peer pressure is reported to peak between the ages of twelve to sixteen years (Tarrant, North, Edridge, Kirk, Smith, and Turner, 2001). Peer conformity is a complex process that varies with the adolescent’s age and need for social approval and with the situation. Adolescents reported that they felt greatest pressure to conform to the most obvious aspects of peer culture, such as, dressing and grooming like everyone else and participating in social activities. Although peer pressure toward misconduct peaked in early adolescence, it was relatively low compared with other areas (Brown, Lohr, & McClenahan, 1986). Due to their greater concern with what their peers think of them, early adolescents are more likely than younger or older individuals to give in to peer pressure. Although, when parents and peers disagree, even young adolescents will not consistently rebel against their families. Instead, parents and peers differ in their spheres of greatest influence. Parents have more impact on adolescents’ basic life values and educational plans, while peers are more influential in short-term, day-today matters, such as type of dress, taste in music, and choice of friends (Berk, 2000).

Creating value

When it comes to the housing finance sector in India, one name stands out distinctively: HEAD – a market leader and an innovator. We have consistently revised the benchmarks of housing finance products and services. Being a pioneer and leader in a nascent market has not stopped us from aspiring for challenging goals. The World Bank considers us a model private sector housing finance company in developing countries. We provide consultancy services and technical assistance for ewe and existing institutions.Our executives undertake consultancy assignments related to housing finance and urban development directly or on behalf of international agencies worldwide. We also share our expertise through Training Programmer at our own Training Centre in Loan, India or at the client's location. Delegates from several countries have benefited from participating in these programmer. A senior executive of HEAD was the former President of the International Union for Housing Finance (UHF), whi ch is a non-profit trade association, with members from 60 countries worldwide.The objective of JIFF is to make housing credit affordable and more available around the world. On the domestic front, our executives help formulate national housing policies and strategies. In fact, we have been invited by the Government of India to Join a number of committees and task forces related to housing finance, urban development and capital markets – a task that we are proud to be part of. HEAD Centre for Housing Finance Our training facility, Centre for Housing Finance (CHEF), is located 120 SMS from Iambi, in the tranquil environs of Loan, a hill station, 2,000 feet above sea level.Some of the key features of our Centre are: State-of-the-art technology in the training rooms Syndicate rooms for group work Well-equipped library Residential accommodation that provides comfort and relaxation Dining facilities offering a variety of cuisine Indoor and outdoor recreation facilities Technical A ssistance (TA) The objective of the TA is to offer specific deliverables and support the Client in all aspects relating to mortgage finance operations which include loan origination and recoveries, marketing and distribution strategies, accounting and management information systems, resource manipulation and information technology support. Who would review and advise the Client on products, systems and procedures, including developing new products and designing marketing strategies. These experts would visit the Client and work closely with its officials to understand the external environment in which the Client functions and thereafter make recommendations visa-avis strategies, products, policies, systems and procedures. Our experience makes the difference Training Programmer Our training programmer are specially designed to be a blend of learning and practical experience. We offer a variety of training courses for senior and middlemen management executives and line staff.Some key programmer offered are: Housing Finance Management Loan Origination and Credit Risk Management Managing Customer Service in Financial Organizations Building High Performance Teams Resource Manipulation – Issues in Managing and Marketing Training The Trainers – A Multi Dimensional Workshop We also custom- design programmer based on organizational needs. Training specific Current Programmer Housing Finance Management – 2010 (HEM-2010) November 28 – December 5, 2010 at CHEF, Loan, India. The week long residential programmer on Housing Finance Management encompasses all the prime functions of a specialized Housing Finance Institution. Through specialized modules, the programmer will focus on various housing finance systems and best practices, credit evaluation, emphasis on customer needs, product development, marketing, managing competition and distribution channels, effective internal control systems and mechanisms, resource manipulation and risk management systems.In addition, a field visit to an HEAD office will also give participants a practical perspective of the housing finance business. HEM-2010: Programmer OutlineDay 1 : Sunday, November 28, 2010 w Assembling ; BondingDay 2: Monday, November 29, 2010 w Introduction to the programmer w Overview of Housing Finance Systems w Loan Origination and Assessment of RiskDay 3: Tuesday, November 30, 2010 w Product Development, Marketing and Distribution Channels w Legal and Technical Appraisal w Developer/Builder Relationships and ProductsDay 4: Wednesday, December 01 , 2010 w Loan Accounting Practices – Systems and Controls w Credit Risk Management w Process Development for Efficient Credit Risk ManagementDay 5: Thursday, December 02, 2010 w Day visit to an HEAD officeDay 6: Friday, December 03, 2010 w Corporate Functions – Management Information Systems w Business Strategy and Budgeting w Managing Service Delivery ProcessesDay 7: Saturday, December 04, 2010 w Resource Manip ulation w Risk Management Systems and Development of Secondary Mortgage Markets w Open House SessionDay 8: Sunday, December 05, 2010 w Departure from CHEF, Loan v Subject to change Fees: US $ 3,000* for first participant. US $ 2,750* from second participant onwards accommodation, refreshments during breaks, meals, training costs, course material and to and fro airport transfer. Note: Accommodation will be on a double occupancy basis. For single occupancy** an additional amount of IIS$ 750 plus service tax @ 10. 30% will be charged. ** Subject to availability What our participants said†¦ Feedback from Housing Finance Management Programmer The classroom experience was invaluable in opening up all aspects of Housing Finance Management.I have taken with me many insights that I intend to apply to what I hope will be a long career in Housing Finance. The free flow of ideas from participants representing 1 5 countries and 17 organizations also added immensely to he richness of the pro grammer. Cynthia Kanata, Housing Finance, Kenya (WFM 2007) It was a very wonderful experience at the HEAD Training Centre, where there was an optimal combination of knowledge gaining, sharing of experiences and recreational activities all in the perfect environment. The content of the programmer was so fruitful and have surely added value to our products and services, not forgetting the delicious meals and accommodation.Jackson Alfred Aloha Zinnia Bank Ltd, Tanzania (WFM 2008) I have attended similar programmer where the tuition cost is more than he entire programmer at WFM but in many cases those programmer were a mere rehearsal of academic notes of the Presenter. WFM 2008 was different in content and methodology; it was very practical in every respect and my reality on housing finance has since changed positively. Joseph Alphorns Tutor Jacobean, Loom Togo (WFM 2008) It was a great pleasure to visit India for the first time – an experience I'll never forget. The programmer w as successful. We shared our experience, knowledge and ideas with each other. Mar Beheaded Egypt Housing Finance Company Egypt (WFM 2009) My experience exceeded my expectations.I am really touched by the level of knowledge, passion, commitment and insight of the people at HEAD, and the opportunity to share experience with other participants. Islam Nominal PIED of Bangladesh Ltd. Bangladesh (WFM 2009) The course was an eye opener in terms of mortgage lending. It gave me a broader understanding of the various aspects of housing finance. Interacting and learning from various participants showed me that we all had a similar goal/objective that is providing shelter to everyone. Margaret Musher Zambia National Building Society Zambia (WFM 2009) The training was an experience of a life time. I learnt a lot during my interaction with the experts and participants from different countries. Apart from that the network of friends that I made will be cherished for life time.