Essential Lessons from the US Financial Crisis 

Spring 2022 Midterm Paper

 The midterm paper is an analysis of a financial institution that had significant problems during the Financial Crisis.  You can choose to write the paper on any of the financial institutions listed below.  The list includes companies from a range of countries.

 

 

Late papers will lose a letter grade every day that they are late!

 

The paper should be a maximum of 1,200 words and should cover the following four topics:

• What is your key lesson from your evaluation of the company? Please begin your paper with the key lesson in the first paragraph of your paper.  For example (and this is only an example; it is not meant to be a template):  XYZ Company failed because it followed an aggressive growth strategy without building out a robust risk management structure and without timely regulatory oversight.  The key lesson is that aggressive strategies need internal and/or external constraints to avoid potentially fatal excesses.
• What was the company’s business model and strategy before the problems arose, e.g., what were the company’s main products? In which geographies did it operate?  In which areas was it growing the fastest?  Was it growing organically, through acquisitions, or both? Essential Lessons from the US Financial Crisis
• What went wrong? When thinking about what went wrong, we encourage you to use the framework we presented at the first class and to choose the 2-3 areas that you believe represent the biggest errors by management.  You may find that there were problems in all these areas but given the word count limit, you won’t be able to cover all of them, so choose the most important ones.
• Strategy
• Capital allocation
• Risk management
• Corporate culture
• Succession planning
• What happened to the company, i.e., was it bailed out by the government, acquired, filed for bankruptcy, etc.? Please include information on what happened to key stakeholders, i.e., management, shareholders, bondholders, depositors, etc.

We will grade the papers based on the following criteria:

• Addressing all four of the topics listed above
• Quality of analysis of the company’s business model/strategy and what went wrong
• Factual accuracy – please check your facts!

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Because the word limit for this paper is 1,200, you will have to be concise in your writing.  Focus on the most important points for each topic.  You may want to allocate more than 1/4 of the word count to the third topic – what went wrong – as this is the more analytical portion of the paper.  The second and forth topics are more factual.

 

Because this paper will require research, please cite your sources.  You can either use footnotes in the body of the paper or list your sources at the end.  See the example at the end. Essential Lessons from the US Financial Crisis

 

What we are looking for in this paper is your analysis of the company’s business model/strategy and what went wrong.  We are not looking for paragraphs that are just cut and paste jobs from the internet.

 

Your grade on this paper will account for 30% of your overall class grade for the semester.

 

Please choose one of the following financial institutions for your paper:

• Washington Mutual (US)
• Golden West (US)
• IndyMac (US)
• GE Capital (US)
• Royal Bank of Scotland (UK)
• Northern Rock (UK)
• Glitnir, Kaupthing and Landsbanki (Iceland)*
• ABN Amro (Netherlands)
• Bankia (Spain)
• Monte Dei Paschi di Siena (Italy)

 

 

*If you choose the Icelandic banks, you can write about one of them or all of them, as their business models, strategies, problems, and resolution were all similar.

 

Footnote Example:

The footnote number should be placed in the body of the paper where you refer to the footnote.  The footnote itself should be cited either at the bottom of the relevant page or at the end of the paper.  Examples (either is ok):

 

The world’s tallest building is in Dubai.(1)  It is 2,700 feet tall.

The world’s tallest building is in Dubai¹.  It is 2,700 feet tall.

 

1. List of the world’s tallest buildings. https://en.wikipedia.org/wiki/List_of_tallest_buildings Accessed March 7, 2022. Essential Lessons from the US Financial Crisis

Week 10 Assignment – Technology in the Criminal Justice System

Overview

Read the following articles:

• Emerging Technology Trends and Their Impact on Criminal Justice.
• The Growing Role of Technology in the Criminal Justice Field.
• Technological Innovations in Crime Prevention and Policing: A Review of the Research on Implementation and Impact [PDF].
• Technology Firms Come Under Scrutiny for Ties to Law Enforcement.
• Great Promise but Potential for Peril: Ethical Concerns Mount as AI Takes Bigger Decision-Making Role in More Industries.

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Then select one current technology in the criminal justice system. For ideas on current technologies, refer to the list below.

Current Technologies

• Surveillance technologies. (A list is maintained on the ACLU’s Surveillance Technologies page.)
• Facial recognition technology.
• Biometrics.
• Robots/drones.
• Shot-spotters.
• Thermal imaging cameras.
• AI/predictive policing.
• Automatic license plate recognition.
• Body cameras.

Write a 2–3 page paper in which you:

• Describe the technology, its purpose, how it works, and when it would be used.
• Discuss the ethical and privacy issues around the technology.
• What impacts might this have on the future if the ethical and privacy issues are not resolved?
• Use three sources to support your writing. Choose sources that are credible, relevant, and appropriate. Cite each source listed on your source page at least one time within your assignment. For help with research, writing, and citation, access the library or review library guides. Week 10 Assignment – Technology in the Criminal Justice System

 

https://qualityessaysshop.com/order/Welcome to the team!

I received a phone call from a potential client, Margaret Williams, who was in hysterics and crying because her neighbor’s dog got loose and killed Margaret’s dog as she was walking him on a leash. This should be an interesting one for you to get started on. I will provide you with a copy of my notes from my initial phone conversation with Margaret which will outline the basic facts of the case.

Please prepare a memorandum to include the following information:

1. Based upon the facts presented identify the proper court for initiating a claim.
2. Identify the statute of limitations.
3. Prepare a list of ten (10) interview questions for our initial client meeting to be held
   later this week.

https://qualityessaysshop.com/order/Computer Based Crime

The Internet facilitates a wide range of criminal behavior. The websites that facilitate or promote these crimes fall into two categories: sites that deliberately facilitate crime, and sites that conduct legComputer Based Crime The Internet facilitates a wide range of criminal behavior. The websites that facilitate or promote these crimes fall into two categories: sites that deliberately facilitate crime, and sites that conduct legitimate business but are used by some for illegal purposes. Examples of the first category are sites where prostitutes advertise their services, and sites to teach you how to grow marijuana or make bombs. In the second category are legitimate businesses that can be misused, such as a site to help customers open an offshore bank account. Search the Internet for an example of each category described above. Do not enter any site related to illegal pornography. Prepare a 4- to 5-page report in Microsoft Word that addresses these points: Part I: Describe the deliberately-illegal site. What illegal activities are promoted by this site? How open is this operation? How easy or difficult was it to locate this site? What should be done about the site? Which law enforcement agencies (in the United States or abroad) would have the responsibility of taking action against the owners of the site? Part II: Describe the legitimate site. What are its legitimate purposes? What illegal activities are facilitated by this site? What type of criminal might be tempted to make use of this website? Does it appear that the owners of the site are complicit in law-breaking? Has the website taken any steps to discourage or prevent being used for illegal purposes? Conclusion: Discuss the different forms that Internet-based crime can take (fraud, provision of illicit goods, money laundering, etc.). Examine the reasons why sites like those you examine are able to continue to operate. Why hasn’t law enforcement taken action? (Keep in mind the constitutional protections regarding free speech, as well as the laws of the location where the site is hosted). In your report, be sure to apply the concepts and terminology from the course wherever possible. Support your responses with examples. Cite any sources in APA format.itimate business but are used by some for illegal purposes. Examples of the first category are sites where prostitutes advertise their services, and sites to teach you how to grow marijuana or make bombs. In the second category are legitimate businesses that can be misused, such as a site to help customers open an offshore bank account.

Search the Internet for an example of each category described above. Do not enter any site related to illegal pornography. Prepare a 4- to 5-page report in Microsoft Word that addresses these points:

Part I:

• Describe the deliberately-illegal site. What illegal activities are promoted by this site?
• How open is this operation? How easy or difficult was it to locate this site?
• What should be done about the site?
• Which law enforcement agencies (in the United States or abroad) would have the responsibility of taking action against the owners of the site?

Part II:

• Describe the legitimate site. What are its legitimate purposes?
• What illegal activities are facilitated by this site? What type of criminal might be tempted to make use of this website?
• Does it appear that the owners of the site are complicit in law-breaking? Has the website taken any steps to discourage or prevent being used for illegal purposes?

Conclusion:

• Discuss the different forms that Internet-based crime can take (fraud, provision of illicit goods, money laundering, etc.).
• Examine the reasons why sites like those you examine are able to continue to operate. Why hasn’t law enforcement taken action? (Keep in mind the constitutional protections regarding free speech, as well as the laws of the location where the site is hosted).

In your report, be sure to apply the concepts and terminology from the course wherever possible.

Support your responses with examples.

Cite any sources in APA format.

https://qualityessaysshop.com/order/Write a 1,050- to 1,225-word paper on effective communication based on course materials. Include the following:

• Describe the importance of effective communication in the correctional setting.
• Use course materials in your description to support your information.
• Provide an example of effective communication in the correctional setting.
• Explain the reason for written documentation in the correctional setting.
• Use course materials in your explanation to support your information.
• Provide at least two examples of what may occur when inappropriate written documentation is used.
• Describe how listening is important to effective communication.

Include a minimum of two reputable sources in your paper. (HINT: Course materials will count for these sources)

Format your paper consistent with APA guidelines.