Online Roleplaying Rules Ver 2.1 (character Creation) Essays

Web based pretending rules Ver 2.1 (character creation) Welcome Welcome to the Thiatre de More and our round of Vampire: The Past Returned in VP. Inside this content you will discover the approaches to make a character for the game and how to submit yourself to participate in the game. On the off chance that you look for more data on the Kindred a connection named Vampire Homepage in the Thiatre will take you to an extremely imformitive site A little foundation on the game. We are at present running a game mixed with both the Modern Day and Dark Ages campeign. The Thiatre de More and the terrains of Knarl hold as grounds influenced by the forces of Temporis making it be torn go into time permitting the terrains to fall under the old ways. Inside the dividers of the Thiatre a like a Dark Ages game happens the time being like 1237 advertisement. Here the game strugles with mistreatment from the Camarilla, Sabbat, Inquisition, and Baali. Character Creation The initial step to participate with the game is to make a character. This content will leed you step by step in making a Kindred inside the Thiatre de More. As you make your character work out the data on a TXT document to send to the ST's and to keep as a reffrence for yourself. A clear character sheet can be found toward the finish of the character creation divide, basically reorder the sheet onto another TXT Stage 1: Chosing your faction A vampire is a vampire regardless. Yet, similar to people the Kindred separate themselves into bunches called groups. Every family has their own particular manners of taking a gander at life (or unlife) just as their own arrangement of group quality weeknesses and in faction disciplines (forces of the Kindred). The initial phase in making your character is to picked your tribe from the rundown gave. It is recomended for more up to date players to investigate the family or families you are keen on playing. The families, their steriotype and their in tribe Disciplines: Assimites - The secretive Saracens of the Middle East have consummated the craft of the quiet execute. (Celerity, Obfuscate, Quietus) Brujah (old family) - Philosophers, researchers and warriors, the peevish Radicals persue their fantasy of an ideal society. (Celerity, Potence, Presence) Catiff (not a family) - The uncommon and unfortunate Canites with no faction are pariahs and disrespected. (any, with the exception of Magic) Cappadocians - Seeking the astuteness of the grave, the Graverobbers call upon the spirits of the dead for edification. (Auspex, Fortitude, Mortis) Supporters of Set - Orriginally hailing from Egypt, the Snakes spread debasement and bad habit in their wake. (Muddle, Presence, Serpentis) Gangrel - Wanderers and rustics, the Creatures are nearer to the mammoths of the woods than to any of their Cainite kinfolk. (Animalism, Forttude, Protean) Lasombra (old tribe) - Masters of dimness and shadows, the Magisters look to controle mortal and vampiric culture the same. (Command, Obtenebration, Obfuscate) Malkavian (old faction)- Cursed with craziness, the Psychos appreciate dreamlike and upsetting understanding. (Command, Dementation, Obfuscate) Nosferatu - Hideous incredible, the shunned Outsiders are spies and sources without equivalent. (Animalism, Obfuscate, Potence) Ravnos - Wandering drifters and peddlers, the Charlatains joyfully practice their crafts of trickiness furthermore, burglary. (Animalism, Chimerestry, Fortitude) Toreador - Lovers of workmanship and magnificence, the Craftsmans unreservedly enjoy their preferences for the stylish. (Auspex, Celerity, Presence) Tremere - A youthful and separate group of wizards, the sorcercerous Userpers battle to set up themselves. (Auspex, Dominate, Thaumaturgy) Tzimisci (old family) - Terrible Slavic fleshcrafters, the Beasts hardheartedly lord over their human subjects. (Animalism, Auspex, Dominate) Ventrue - Imperious and directing, the Aristocrats think of it as their obligation to lead vampiric culture. (Command, Fortitude, Presence) Brujah (new group) - Respecting no position and recognizing no pioneers, the Riffraff view themselves as free (Celerity, Potence, Presence) Lasombra (new tribe) - Puppetmasters in the obscurity, the Lasombra rule the Sabbat and controle the shadows. (Overwhelm, Obtenebration, Potence) Malkavian (new family) - Commonly perceaved to be crazy, the Nutcases have an uncany vision and insight. (Auspex, Dominate, Obfuscate) Tzimisci (new tribe) - Called Devils all things considered, the Tzimisci are respectable yet remorselessly cruel. (Animalism, Auspex, Vicissitude) At the point when you picked your family mark it down on your character sheet just as the controls recorded for the group. for additional data on your factions explicit imperfection please

Garret Hobart - McKinleys Influential Vice President

Garret Hobart - McKinley's Influential Vice President Garret Augustus Hobart (June 3, 1844-November 21, 1899) served just two years, from 1897-1899 as President William McKinleys Vice President. In any case, in that time he demonstrated himself to be very compelling in his job, encouraging McKinley to have Congress announce war on Spain and being the concluding vote to accept the Philippines as a US region at wars end. He turned into the 6th VP to kick the bucket while in office. During his time in office, in any case, he earned the moniker, Assistant President.â Early Years Garret Hobart was destined to Sophia Vanderveer and Addison Willard Hobart on June 3, 1844 in Long Branch, New Jersey. His dad had moved there to open an elementary school. Hobart went to this school before going to live-in school and afterward graduating first from Rutgers University. He examined law under Socrates Tuttle and was admitted to the bar in 1866. He proceeded to wed Jennie Tuttle, his educators daughter.â Ascend as a State Politician Hobart immediately rose in the positions of New Jersey governmental issues. Truth be told, he turned into the primary man to head both the New Jersey House of Representatives and the Senate. In any case, because of his very effective law profession, Hobart wanted to leave New Jersey to get associated with national legislative issues in Washington, D.C. From 1880 to 1891, Hobart was the head of New Jerseys Republican Committee, prompting the gathering on which contender to place into office. He did, truth be told, run for the US Senate a couple of times, however he never put his full exertion into the crusade and didn't succeed ​to the national scene.â ​ Selection as Vice President In 1896, the Republican National Party concluded that Hobart who was generally obscure outside the state should join William McKinleys ticket for the administration. Notwithstanding, Hobart as per his own words was not thrilled with this possibility as it would mean leaving his rewarding and agreeable life in New Jersey. McKinley ran and won on the foundation of the Gold Standard and a defensive levy against perpetual up-and-comer William Jennings Bryan.â Compelling Vice President When Hobart won the bad habit administration, he and his significant other immediately moved to Washington, D.C., and rented a home on Lafayette Square which would procure the moniker, the Little Cream White House. They engaged at the home regularly, assuming control over the conventional obligations of the White House. Hobart and McKinley turned out to be quick companions, and Hobart started visiting the White House to exhort the president much of the time. What's more, Jennie Hobart helped deal with McKinleys spouse who was an invalid.â Hobart and the Spanish-American War At the point when the USS Maine was soaked in Havana Harbor and trough the toxin pen of sensationalist reporting, Spain was immediately laid to fault, Hobart found that the Senate over which he directed immediately went to discuss war. President McKinley had attempted to be mindful and moderate in his methodology with Spain after the occurrence. In any case, when it got evident to Hobart that the Senate was set up to move against Spain without McKinleys inclusion, he persuaded the president to start to lead the pack in the battle and request that Congress announce war. He additionally managed the Senate when it confirmed the Treaty of Paris toward the finish of the Spanish-American War. One of the arrangements of the settlement gave America power over the Philippines. There was a proposition in Congress that the region be given its freedom. In any case, when this finished in a tied vote, Hobart make the concluding choice to keep the Philippines as a US territory.â Passing All through 1899, Hobart experienced blacking out spells identified with heart issues. He realized the end was coming and really reported that he resigned from open life toward the beginning of November. On November 21, 1899, he died at home in Paterson, New Jersey. President McKinley went to Hobarts memorial service, a man he thought about a close companion. New Jersey additionally went into a time of grieving to remember Hobarts life and commitment to the state.â Inheritance Hobarts name isn't broadly perceived today. Be that as it may, he was very compelling during his time as VP and demonstrated what force could be applied from that position if the president decides to depend on their recommendation.

Cyber Bullying Argumentative Essay Topics

Cyber Bullying Argumentative Essay TopicsThere are a lot of arguments to be made in cyber bullying cases. The first is the identity of the person who is being bullied. If the person is a child, then the argument could be the innocence of the child. If it's an adult, then it will be about how the adult dealt with or reacted to the situation.The second argument of cyber bullying is the status of the victim. Is the victim a minor? Is the victim just another of the several individuals victimized by the cyber bully? Does the victim want to stop cyber-bullying? These are all questions that should be asked and answers to these questions are what can build a strong case.The last argument of argumentative essay topics is the reason for the cyber bullying. While the identity of the person might be one of the most important reasons, there might be other reasons that should be included in the argumentative essay. It might be because the cyber bully was merely in the wrong place at the wrong time , it might be because the cyber bully was in the wrong place at the right time, or it might be because the cyberbully is out there right now sending threats or at worst just boasting about the harm that he's doing.In cyber bullying cases, these are all valid reasons that have been documented. If you are facing the actual bully, or someone that's been harassed, then it's very easy to point to those reasons and not to mention the fact that a lot of that harm is right in front of you. You can argue the harm, but the victim needs to be able to make their own arguments as well.When considering cyber bullying, it's important to be able to distinguish between being attacked online and being bullied. Even if the victim doesn't recognize the offender, they will know who the bully is. They may get the message a few times before it's caught on video or audio. While these are all examples of cyber bullying, they also fall under being attacked online.Another distinction that is useful in this ca tegory is that of whether the cyber bullying was done by phone or e-mail. Sometimes, it's easy to be fooled because the victim may think that the harasser is simply pretending to be someone else online, when in fact the victim has been the one to send the threatening messages or texts or emails or had to deal with the harassing phone calls. However, sometimes, it is possible to determine who the person is over the phone because the caller ID is used as a device to differentiate between the parties and the victims are aware of it.An additional argument that you might want to make when you're looking to make the cyber bullying stand out from the other cases is the age of the person who's being bullied. Usually, the younger the victim is, the more difficult it will be to determine who is responsible for the bullying. However, it's still a valuable point to make because while the adult and the younger are probably two separate people in the cyber bullying process, they do have to intera ct and it can easily be identified by comparing the ages of the two parties.Argumentative essay topics that relate to cyber bullying can range from how to deal with a baby who needs to use the computer, how to deal with the problem of alcoholism and prescription drug abuse, the difference between the situations, to the effects of technology on human life. These are all good points that can help to move your case to the next level of your case. Try to understand how the cyber bullying process works and make your argument persuasive essay topics that include the same.

Strategy Sample Test - 663 Words

Question 1 The management at BuyRite grocery stores wishes to estimate the amount of time that customers are spending, on average, in its stores and in a checkout line. The most obvious approach for determining this information is to simply record when a customer enters and exits the store. However, it is difficult to track the entering and exiting times of specific customers. We will look at the problem using an alternative approach. Over the past two weeks, the following data have been collected at BuyRite’s newest store during busy hours (this BuyRite is rather large and typically has 7 open checkout lines). For simplicity, let us assume that the overall capacity at checkout lines is higher than the arrival rate of customers into the†¦show more content†¦(b) A direct-sale store takes both internet and phone orders. Internet orders come in every 15 minutes and phone orders arrive at a rate of 5 orders/hour. Regardless of the type of the orders, the packed merchandise (one orde r) is put on the truck and ready to be shipped in 7 hours. On average how many orders are in the store? How many of them are internet orders? Question 3 A donut store is open 8 hours a day and sells two types of donuts – blueberry cake donut and chocolate frosted donut. On average the demand is 80 donuts per day for EACH type. The store has only one machine which makes both types, and once it starts, it produces one donut every 2 minutes for either type. The production alternates between the two types, i.e., a batch of one type is followed by a batch of the other. The setup time is 20 minutes for either type. Assume the same batch size all the time for both types. (a) If the batch size is 10 donuts per batch, what is the capacity per day for each type of donut? (b) What is the minimal batch size in order to satisfy demand for both types? Question 4 Consider the following assembly line: Department Processing Capacity Yield (units/day) A 2200 80% B 1600 90% C 1800 100% D 1000 80% E 800 100% Three units of output from Department C and one unit from Department D are used to assemble one unit of final product in Department E. SupposeShow MoreRelatedInvestigating New Sampling Strategies At Domain Level For Reliability Assessment1543 Words   |  7 PagesInvestigating New Sampling Strategies At Domain Level for Reliability Assessment ABSTRACT The objective of software testing technique is to expose failures. Testers prioritize inputs based on the acquired quality attribute, e.g., correctness, robustness, reliability, security. When high reliability is to be achieved, tester wishes to sample those failure-causing inputs that have the largest impact on failure probability. 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A strategy approach such as this one permits all stakeholders to be active in the marketing process. The method of implementing innovated marketing approach introduces the product and goods on a taste strips film test for the customer to test out various flavors. The consumer is permitted to try different beverages, food, and other flavoringRead MoreHuman Resource Plan And How It Helps Idler Align Their O rganizational Goals And Future Needs889 Words   |  4 Pagesrest of the regions, opening further stores in Perth, Darwin, Hobart and Adelaide. Idlers exclusive strategy that leads it with a distinctive position over its competitors is selling the â€Å"one brand† product. Idler sells products from one brand, which has lead the company to towering profits and reduced expenses. Idler has succeeded a lot by using its two solid â€Å"focus† and â€Å"cost leadership† strategies. They have competitive advantage over their competitors and are very loyal to their customers, throughRead MoreThe Human Immunodeficiency Virus ( Hiv )1459 Words   |  6 Pagessyndrome – the final stage of HIV) can be classified as one of the most devastating epidemics in United States history (Centers for Disease Control and Prevention [CDC], 2015). Although still an alarming concern in public health, due to prevention strategies and medical advances, the disease is less fatal and is treated as a chronic disease (instead of a death sentence, as in the past). There are currently 1.2 million people living in the US with HIV (CDC, 2015). The highest rates transmitted throughRead MoreEnglish Language Learners Methodology Comparison Essay874 Words   |  4 Pages2008). 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Discussion Types of MethodologiesRead MoreInvestigating The Data Of Information For The Business Purposes Essay946 Words   |  4 PagesThe methodology also uses the survey, publications, interviews and company’s articles and journals etc. The simple steps of research methodology are given below: Identification of problem Research objectives Sources of data Data collection Sample, Sample size Data Interpretation Data Analysis Finding and observations Conclusion Recommendation RESEARCH DESIGN Research design is the overall plan that we choose to organize the data in a logical way, so that research problem can be find in the

Beginner English Grammar Review

Once youve taught a beginning level class for a few months, its time for review. There are so many new learning points over the course of a class that students need to revisit what they have learned. In order to do this, we like to do a bit of what we call grammar banging. Students take a quiz which has a question for each type of learning point the class has covered. The point of this exercise is to encourage students to discuss each point to review together. We like using this exercise in small groups to raise awareness of what has already been learned and where problems still lie. The sheets provided in these grammar banging reviews are very effective because each question focuses on one important, specific area. Aim Grammar review of the most important intermediate level English tenses, structure, and functions Activity Grammar banging multiple-choice review lesson with each question focusing on a specific point Level Beginner Outline This is straight-forward stuff. Make the copies and give them to the students.Have each student do the sheet by him/herself.Ask students to compare answers and discuss differences, each student trying to explain his/her choice.A correct sheet as a class. Review each grammar point quickly - you should get a lot of Oh, yeah.....Give the students an unmarked copy of the same exercise to repeat at home to solidify the review exercise. Grammar Banging - Review your English - 1 Choose the correct word to fill in the gap. Are there ______ apples in the kitchen?muchanysomeThat is _____ interesting book.theaanI went ______ church last Sunday.atintoWhat _____ he like? - He is very friendly.doesdidisI ________ a new car last month.boughthave boughtbuyedHow ________ money do you have in your pocket?manyfewmuchHe came ______ home late last night.-attoJack is a nice boy, and I like _____.-himhisI get up ______ seven oclock every day.inonatI like __________ music.listenlisten tolistening toWhat __________ in your free time?you dodo you doare you doingMy father _______ in a bank.worksworkis workingWould you like _______ coffee?anyansome Exercise 1 Printing Page Beginner Grammar Banging Page 2Back to lessons resource page

Maslow and Jung Life and the Workplace - 955 Words

Maslow and Jung: Life and the Workplace Personality Theories: Steve Domalik PSY 250 Psychology of Personality Instructor: Pamela Poynter January 24, 2006 Maslow and Jung: Life and the Workplace We work, strive, succeed, and sometimes we fail. What drives us to succeed, or in some cases keeps us from success? Perhaps a better understanding of our motives, and the motives of our colleagues would help us make the personality changes we need to succeed. The way we interact with others in the workplace and our personal life may be improved. The Freudian theories opened our minds to many of our odd behaviors but did little to provide methods of self-examination. Very few of us have the time and the funds available for in-depth†¦show more content†¦Maslow felt that no one would ever reach the top of his hierarchy but should realistically try only to get as close as possible. Through our continued journey in life, meeting problems and issues, we can either grow or slip backward. We can choose to learn and continue climbing or give up. Most people choose to continue their climb. With some, this choice is not an actual conscious decision. The choice is more of a drive to succeed or a cycle of happiness and depression that we have trouble understanding. As a supervisor or manager, our ability to understand the constant cycle of satisfaction and dissatisfaction may mean the difference between a successful career and failure. If in a career or business the only answer to dissatisfaction is monetary, excessive cost to the company can be easily caused and still have unhappy employees and a high turnover rate. Conclusion Carl Jungs introspection and self-examination have led us to the realization that childhood traumas are not the only sources of behavior and personality characteristics. Our continued learning from our experiences, our differentiation, gives us a life-long ability to make corrections. Abraham Maslows understanding of our motivation and constant striving for satisfaction has brought the person back into Psychology and given renewed attention to the truly human qualities that make up us all. Understanding the motivation and satisfaction needs of colleagues,Show MoreRelatedFinal: Motivation and Self-actualization B. Self-actualization1703 Words   |  7 Pagesquestion. Your choice must be clear. If no answer is marked, or if your choice is unclear, the qu estion will be marked as incorrect. SAMPLE: 1. Characteristics of adult learners typically include all but which one of the following? a. have accumulated life experience b. have established opinions, values, and beliefs c. are intrinsically motivated d. enjoy soda and chips e. desire meaningful learning experiences Please post your completed exam in the grade book as an attachment on or before the deadlineRead More Abraham Maslow on Self-Actualization, Motivation and Humanistic Theory2428 Words   |  10 Pagesartists must paint, and poets must write if they are to be ultimately at peace with themselves. What human beings can be, they must be. They must be true to their own nature. This need we may call self-actualization† Abraham Maslow. http://toolstolife.com/articles/Abraham-Maslow-s-Self-Actualizer-380 Self- Actualization rests at the pinnacle of Maslow’s Hierarchy of Needs. Before reaching that pinnacle, the human being rises through the various strata of motivation beginning with the basic needsRead MoreImproving Fitness Suite Discord At Junction Hotel3320 Words   |  14 Pagesmentioned bureaucracy could achieve an organisations aims most efficiently. He suggested that management was a trainable skill and had 14 principles of management to improve efficiency within the workplace. He also suggested that division of work, with specialised tasks, would increase efficiency in the workplace along with having a unified direction for each area of hierarchy. Another technique for increasing efficiency and reducing waste or cost of labour is through Rational Work Design which stemsRead MorePSYC 2301 3 Essay4271 Words   |  18 PagesSelect one: a. id, ego, superego. b. environment, behavior, thoughts. c. preconscious, conscious, unconscious. d. pleasure principle, libido, reality principle. Question  5 Not yet answered Marked out of 2.00 Flag question Question text According to Maslow, the need to _____ must be met before _____. Select one: a. feel safe; biological needs are satisfied b. self-actualize; the need to feel secure c. feel loved; security needs are met d. feel competent and gain respect from others; one can begin toRead MoreThe Effects Of Alcohol And Substance Abuse2233 Words   |  9 Pagesthe medical expenses related to injuries and poor health. The rate of absenteeism is greater than non-substance abuse and non-alcohol employees. The productivity and quality of the work are highly affected. The four major areas of concern in the workplace is attendance, productivity, safety and employee relationship (Elliott Shelley, 2006). Employees consuming alcohol and substance abuses are mostly full-time employee of all levels of management. 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Types of behaviour The types of behaviour associated with individualRead MoreEssay about Phd Comprehensive Exam. in Leadership15004 Words   |  61 Pagesemphasizes problem solving. They allow latitude in action and encourage the use of reasoning before taking action. â€Å"Leaders create situational contexts and conditions in which followers engage in creative efforts to accomplish their goals† (D. I. Jung, 2000). They understand that to optimize organizational health and growth, the talents of each member must be optimized. Overly formalized organizational structures which place the emphasis upon member seniority over member talent are at risk of atrophyRead MoreEssay Wgu C351 Task 14625 Words   |  19 Pagesmodern nursing, first began to establish nursing as a profession during the Crimean War. Since then, nursing theorists have continued to expand on the thought that patients are made up of more than just the symptoms they present with, Abraham Maslow, Carl Jung, Dr. Larry Dossey and Dorothy Johnson, but none more so than Jean Watson. She developed a theory of human caring that contained several core concepts, these concepts lay forth the ground work for how we, as nurses, should care for a patient

Governance - Regulation & Risk Management In Banking

Question: Discuss about the Governance, Regulation Risk Management In Banking? Answer: Introduction The global financial crisis changed the scenario of the capital market throughout the globe. Economies of some of the most developed countries came crashing down to the ground. With big names in the banking sector reduced to ashes, it was high time to start from the scratch (Covitz, Liang and Suarez 2013). Banks as financial intermediaries play a pivotal role in the development of the economy of a country. Banks are separate from other financial intermediaries, as they have a much extended role to play (Flannery, Kwan and Nimalendran 2013). Risk management is an integral part of the banking business and many regulatory and legislative changes have been made in this field since the financial crisis of 2008. These stringent norms have tried to change the manner in which banking business operations are carried out throughout the world. The Basel III accord proposed by the BIS (Bank for International Settlements) is one such example of regulatory measure regarding capital adequacy and ri sk handling in banks throughout the world (Frankel and Saravelos 2012). This essay attempts to bring out a critical analysis of the notion that regulatory changes have created a fear among the banking professional, which has lead to an increase in professional misconducts opposite what these regulations intended. In doing so, two articles of The Financial Times have been referred to that speaks about the speech given by the Chief Executive of the UBS bank. Sergio Ermotti, the Chief Executive of UBS stated that stringent regulatory changes have made banks more risk adverse and this has influenced the business to a great extent. He further suggested that making mistakes by banking professionals would be tolerated as long as they are honest ones. This created a stir within the banking fraternity and has been much criticised, as it will allow executive to make mistakes knowing that they can get away with those mistakes. A sense of getting a pardon for wrongdoings will tend them to take their responsibilities in a much serious manner. From the viewpoint of a shareholder, this irresponsible mentality is a crime that requires a death penalty (Haas and Lelyveld 2014). Shareholders and customers entrust the banks with their hard earned money and if the loose this money due to lack in their sense of responsibility; it turns out to be a total disaster for the stakeholders. Lets take a look at some of the factors of the global financial crisis. Banks throughout the world engaged too much in hedging and invested most of the money of their investors in bonds and other debt instruments that were secured by faulty commercial and residential mortgages. Too many collaterized debt obligations (CDO) were issued where the underlying assets were not performing (Fratzscher 2012). Banks were busy in making money by selling bonds, derivatives, swaps, and other securities without properly evaluating the status of the underlying assets. Most of these underlying assets were commercial and residential mortgages held by the banks for which advances were also provided by them. Banks were hardly bothered about recovering these loans as long as they were making money by selling securities collateralized by these loans (Haas and Lelyveld 2014). In the absence of a proper follow-up, these loans started to turn out bad and lost their value. The fact that these mortgages were t urning bad was undetected due to the fact that the bonds and securities were being sold got AAA ratings from most of the credit rating agencies. As a result, the banks paid much less heed towards proper evaluation and classification of these assets (Covitz, Liang and Suarez 2013). Gradually, these non-performing assets surfaced and the balance sheet of the banks started eroding. Non-performing assets or NPAs pose a great threat to the banks and are considered to be a real charge on the economy of a country. Banks are required to make provisions for NPAs out of their profits. As the amount of NPAs increased, the provisioning amounts also increased (Chodorow-Reich 2014). As a result, balance sheets of most of the banks started to show negative figures. This financial status brought down the market value of their shares along with the securities issued by them. All these contributed to the overall fall down of the international economies (Kuppuswamy and Villalonga 2015). Following the slow down came an enormous change in the regulatory and legislative frameworks. There was a wind to increase accountability and transparency in the manner business activities are carried out throughout the world. The concept of responsible lending practice became very popular. Respo nsible lending involved a proper evaluation of the credit worthiness of a potential borrower (Erkens, Hung and Matos 2012). Regulators were attempting to inculcate an environment of better governance and compliance to the regulatory and legislative changes that were made to increase the efficiency of the entire banking system. As mentioned above, the changes made by regulators and the government are meant to bring transparency and accountability among banking professionals. Ethical standards and code of conducts are being formulated and implemented to ensure that banks perform their duty of financial intermediation in a proper manner so as to cater an overall growth of the industry and that of the economy (Collins 2012). Effective internal control and internal check systems are effectively being placed to ensure that the risk of making mistakes are eliminated. In such a scenario, bankers are required to perform their responsibilities in a proper manner and be accountable for such work. This in no way hampers the risk taking ability of banks. It a conventional truth that risk and return are co-related (Kuppuswamy and Villalonga 2015). Effective risk management mechanisms are being used by financial institutions to counter and resolve risks arising out of their banking activities. The regulatory environment in no way wants banks to be risk adverse. Stringent norms are being put in place so that mistakes made by bankers do not cost the stakeholders and the banks valuable financial resources. However, if bankers are thrust in an environment where they know that they can be less accountable, the entire system will fail and it will become impossible to recover from such a situation. The main objective of the implemented codes of ethics and conduct will fail throughout the sector (Shiller 2012). This is what Lucy Kellaway stated in her article (the second article referred for this essay). A banker deals with public money and so being accountable and transparent in their work is one of the pre-requisites of the job. If they are allowed excessive room for errors, they will get in the habit of making errors. Some of these errors are inexcusable such as not adhering to proper documentation requirements, lack of foresightedness in evaluating the credit worthiness of a borrower, lack of seriousne ss in following-up of the advances made (Mullineux 2012). Errors in these cases might increase the operational risk of the bank that can ultimately lead to non-compliance of important legislative norms. Therefore, it can be said that regulators and legislators are not trying to make banks risk adverse but to take risks in a measured manner by proper evaluating the pros and cons of important investment and financial decisions (Singh 2012). In such a scenario, keeping loose ends internally will result in a total failure of the banking system. Performing financial services according to the applicable rules is the only way the objectives of an organization can be achieved. Lacking a spirit of accountability not only affects the stakeholders of a bank, it also affects the entire financial system of a country and this cannot be tolerated in an form (Collins 2012). Conclusion The above discussions point out to a very important fact about the functioning of banks throughout the world and its relation with national and international regulatory and legislative norms. The global financial crisis turned the tables for many developed countries and forced them to revisit their banking systems. In order to recover from the after affects of the crisis, various changes in the legislative front were made. Governments bailed out the economy of some of the worst affected countries of the world (Haas and Lelyveld 2014). The capital market collapsed and so did the securities market. Banks and other financial institutions became bankrupt in an attempt to cut short their losses. The aim of the regulatory reforms was to restructure the entire banking system. The risk taking ability of the banks faced an enormous challenge. Risk management had to be enforced in a new form by implementing an effective risk management mechanism that re-engineered the whole business process of these banks. Managing risk and being accountable was one of the primary objectives of the legislative changes. In such a scenario, if banking professional are allowed to get away with their mistakes, frauds and misconducts will increase rather than providing a proper solution. 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