Abstract
This is an analytical paper that deconstructs the mortgage crisis. Opening with a brief snapshot on the circumstances and players in the process, the paper continues on to look at the methods and issues that brought about the crisis. Breaking each part of the crisis into small sections, the paper analyzes such causes as lack of proper underwriting procedures, high house prices, an unequal loan to-value ratio and more. The paper's conclusion that the attitude and behavior of common consumers are partially to blame for the current mortgage crisis.

Outline:
Underwriting Guidelines
Loan-to-Value Ratio
Fico Score
Political influence and Laws
High House Prices
Attitudes of the Common People

From the Paper
"The loan-to-value ratio is another risk evaluation tool for lenders when setting a limit on how much a borrower can borrow according to a appraisal report. To avoid the risk of default, lenders usually set the loan-to-value ratio to 80% or lower for decisions on huge loans (Ling, 2006). If a borrower would like to purchase a $500,000 property, the borrower needs to put down 20 % or $100,000 as a down payment and the remaining $400,000 which is the 80% loan-to-value ratio can be financed. However, lenders started promoting a 100% loan-to-value ratio, also known as 100% financing, which means a person does not need to make any down payment for a property. This practice was one of the major causes of the mortgage crisis."

Tags:mortgage crisis, real estate, fannie mae, freddie mac, FICO

Abstract
This paper first presents a scenario of a teenage girl that is "in love" with her 17-year-old boyfriend who us encouraging her to have sex with him saying that he will make sure they only have "protected" sex. The paper then uses several different analytical approaches to determining if the girl should advance into a sexual relationship with her boyfriend. The paper presents a rich factual knowledge analysis of the scenario, a rich procedural knowledge analysis, a lifespan contextualism analysis, a relativistic analysis, and an uncertainty analysis.

From the Paper
"A rich factual knowledge analysis would emphasize the fact that virginity is almost always a much more significant issue to females than to males, at least in terms of the emotional consequences of choosing to become fully sexually active with the wrong person. That point of view would suggest that the progression to full sexual intercourse should be mutually desired to minimize the likelihood of regrets after the fact by the reluctant partner. According to this view, the same act of sexual intercourse would be much more advisable where one partner never needed to encourage the other."

Tags:partner, reluctant, terms, emotional, consequences

Abstract
This paper presents an analytical review of Cathay Pacific Airways Group financial results for the year ended 31st December 2002 and its financial position as on that date. Among the financial topics addressed are Cathay Pacific's financial performance, its accounting policies and its financial reporting procedure and compliance with standards. The paper also discusses some of the key risks that the airline industry in general and Cathay in particular face in the next few years.

Table of Contents
Aim and Objective
Review Highlights
Company Profile
Financial Overview
Key Financial Indicators
Critical Review of Key Accounting Policies
Review of Financial Reporting Standards
Operating Performance Review
Corporate Governance
Inter-Airline and Industry Comparison
Market Perception and Future Outlook
Conclusion

From the Paper
"Aviation industry is currently facing a global downturn impacted by Gulf War, SARS and terrorist activities, and a full recovery is not expected before 2005. In view of these uncertainties, the future expansion of Cathay will have to be carefully managed with a focus on financial strategy, cost effectiveness and service innovation. Some of the key risks that the airline industry in general and Cathay in particular face in the next few years have been outlined under conclusion."

Tags:corporate, governance, market, perception, outlook, transparency, global, turndown

Abstract
This paper discusses the use of analytical procedures for auditing the Burlington Bees baseball team's ticket sales. The author has written the paper in the format of a memorandum.

From the Paper
"Memorandun To Ms. Bouin, Partner in Charge of the Engagement. From Ms. Kramme. Date: May ... . Subject: Burlington Bees Ticket Revenues Derived from Analytical Procedures. An analysis of attendance statistics indicates that expected ticket revenues for the Burlington Bees ..."

Tags:Burlington Bees, baseball, auditing, accounting, analytical procedures, memorandum

Abstract
This research study examines how emotional intelligence may impact sales outcomes, and to what extent the research conducted in the past has effectively explored the direct relationship between sales outcomes and emotional intelligence. The paper explains that the literature review focused on previous methodologies, hypothesis, concepts and analytical procedures to help establish whether data correlating emotional intelligence scores to sales outcomes was more qualitative or quantitative in nature. The author points out that, from the review of the literature, it is clear that much of the research focused broadly on the ways emotional intelligence may impact outcome without too much specificity given to the topic of sales outcomes. The paper concludes that future research needs to focus on exploring the exact impact emotional intelligence has on sales outcomes, exploring how negative emotional intelligence affects the organization and examining what tools, aside from applied learning or goal orientation, can be used to transform negative emotional intelligence into positive intelligence.

Table of Contents:
Literature Review
Emotional Intelligence Defined
Review of Popular Studies
Summary of Literature Analysis of Gaps

From the Paper
"Ashkanasy (2002) conducted a study of emotional intelligence and perception of emotion in organizations in an attempt to improve understanding of "organizational behavior through investigation of the cognitive and affective processes" underlying attitudes among employees and behavior. The author hypothesized that leaders within an organization are characterized by certain traits or outcomes that may predispose them to their roles within the organization, concluding that attribution theory is most likely the best causal explanation for why people act the way they do, and how this may impact organizational efficacy, as in the case of sales.

Tags:feelings, meta-analysis, case-study, self-report, orientation

Abstract
Statistics refers to the processes of collecting, organizing, analyzing and presenting data in forms usable for policy analysis, decision-making and other important tasks confronting people and organizations in contemporary society. It is within this framework that Polk Company, one of America's oldest and largest consumer marketing firms, operates.
This study considers the application at the Polk Company of 11 tasks associated with the processes of collecting, organizing, analyzing and presenting data. In each instance, the data management or statistical analysis function is defined, the learning process is explained within the context of the Kolb Model, and an illustration of the application of the data management or statistical analysis function is presented. The 11 data management or statistical analysis functions are (1) organizing data, (2) averages and variations, (3) elementary probability theory, (4) normal distribution, (5) binomial distribution, (6) sampling distribution, (7) estimation, (8) hypothesis testing, (9) regression and correlation, (10) chi square and analysis of variance (ANOVA) which is based on the F statistic and (11) non-parametric statistics.

From the Paper
"Type 1 learners, when working with hypotheses, tend to review available data without bias and study and consider the data from a variety of perspectives to develop workable hypotheses related to analytical objectives. Type 2 learners would approach the task by developing theoretical models upon which to base hypotheses, and then study and consider the data from a variety of perspectives in which model best supports the development of workable hypotheses. Type 3 learners would approach the task by developing theoretical models upon which to base hypotheses, and then experiment with alternative hypotheses to determine how best to achieve analytical objectives. Type 4 learners would review available data without bias, and then experiment with alternative hypotheses to determine how best to achieve analytical objectives."

Tags:Quantitative, binomial

Abstract
Voiceprint analysis is the technique, method, and interpretation of listening and visualizing one's voice, usually a known person, comparing that information to a voice sample of a suspect or victim involved with a crime, and coming to a conclusion of whether or not that voice does indeed match the known voice and to what degree of certainty does this analysis conclude. Techniques of the human voice can be cataloged onto a two or three-dimensional surface to be compared among suspects. The court has not always allowed this type of analysis because of testing and proficiency differences among expert witnesses.

From the Paper
"More than one hundred years ago, Alexander Melville Bell, father to the better-known Alexander Graham Bell, believed that someone could be identified by the sound of his or her voice. This theory was put into practice by creating visual representations of spoken words in graph form. When gathering data from different participants, Bell observed and documented that all the participants, although saying the same word and each word followed a distinct pattern, had slight variations. By 1942, different telephone and voice laboratories were able to create a specific device to map ones voice onto a chart or graph. This device, the sound spectrograph, had the ability to construct a physical record of voice patterns derived from frequency, time, and intensity, by evaluating sound waves. This technology (first actively used during World War II in an attempt to identify and monitor enemy transmissions and communications) was not used in conjunction with the judiciary system for suspect identification purposes until 1962-1963, when first put to use in an FBI lab. The FBI needed a new technique to identify specific voice patterns and although Bell had his methods, there was no set method while the methods used had variable accuracy. Therefore, the FBI commissioned Lawrence Kersta to design a specific method in voiceprint analysis. After two years and 50,000 individual voice samples utilized, he designed and created a technique that had an acclaimed 99.65% accuracy."

Tags:evidence, crime

Abstract
This research paper reviews the acute effects of pecan nuts ingestion on plasma levels of nutrients, polyphenols and biomarkers of antioxidant status. It specifically discusses whether, after the consumption of pecans, there is any increase in plasma polyphenol concentration. It also discusses when the peak concentration for polyphenols in plasma occurs, after consumption of a pecan-containing meal. The paper then looks at whether there is there any increase in plasma antioxidant capacity after consumption of pecans. Finally, the paper discusses whether there is any decrease in plasma lipid peroxidation after pecan consumption.

Table of Contents:
Abstract
Chapter One
Introduction
Statement Of The Problem
Purpose Of The Study
Research Questions
Chapter II
Literature Review
Introduction
Chemistry, Classification And Distribution
Phenolic Acids
Flavonoids
Lignans
Stillbenes
Tannins
Metabolism
Absorption And Bioavailability Of Polyphenols
Deconjunction And Reconjunction Of Polyphenols
Metabolism By Microflora In Colon
Polyphenol Excretion
Polyphenol Content Of Foods
Polyphenol Content Of Nuts, Pecans, & Other Nuts
Biological Effects Of Polyphenols
Analytical Procedure & Findings Of The Study
Assays
Review Of Postprandial Studies And Effect On Plasma Polyphenols

From the Paper
"The diet is abundant in polyphenols, which are micronutrients. Furthermore there is a great deal of evidence, which exists to demonstrate the role polyphenols play in prevention of certain diseases and including cancer. (Manach et al 2004) The amount consumed and absorbed is the factor that determines the effects to health of polyphenols. In making determination of the absorption of polyphenols following food intake there are two studies that are differential in nature and which are conducted on the basis of both direct and indirect proof of polyphenol availability. Plasma concentrations can provide individual or total polyphenols in plasma and can be measured through use of Folin-Ciocaltau (FC) assay. The Ferric Ion Reducing Antioxidant Power Assay (FRAP) is a method used for measurement of the ferric reduction ability of plasma. The ferric tripyridytriazine complex at low pH results in reduction to the ferrous form. Test conditions are favorable to the complex reduction and the development of an intense blue color but only when a reductant or antioxidant is present. Linear rates in absorbance changes are noted over a range with antioxidant mixtures that is wide and includes both plasma and solutions that are inclusive of antioxidants."

Tags:nutrients, polyphenols, biomarkers, antioxidant

Abstract
The issue examined in this research is the impact of immigration on domestic labor markets in the United States. Specific interests of this research are the impacts of immigration on the employment opportunities for women and minorities. The greater part of this current research consists of a review of the literature relevant to the issue investigated. Included in this research also, however, is a proposed research design for an empirical investigation of the issue.

I. Introduction
A. Issue Examined: Effects of Immigration on Domestic Labor Markets.
B. Focus of Examination: Women and Minorities.
C. Presentation Plan.
II. Literature Review.
A. Globalization and Transnational Migration.
B. United States as a Destination Country.
III. Proposed Empirical Research.
A. Justification for Empirical Research.
B. Research Questions: 18 questions.
C. Period of Analysis: 15 years (1986 to 2000).
D. Data Type: Secondary.
E. Analytical Procedure: Regression Analysis.
IV. References.

From the Paper
"In the contemporary period, more than at any time in the past, migration is a global phenomenon. In search of employment, higher wages, educational opportunities for themselves and their children, and to escape from persecution and violence, millions of people cross international borders each year. Over one hundred million people now live in a country other than that of their birth, and millions of these immigrants maintain their ethnic identities in their adopted countries (Weiner, 1996).
In industrialized societies on average, non-citizens now typically constitute more than five-percent of the population. These large and typically visible immigrant populations are a cause of concern for both governments and their citizens. These concerns lead to questions such as: Do immigrants benefit the economy, taking unwanted jobs and providing needed skills; or Do immigrants displace indigenous workers and burden public resources in their adopted countries (Weiner, 1996)?"

Tags:oppression, migration, globalization, employment

Abstract
This paper explores the significance of data management for small accounting firms and the concerns these firms have related to data management costs and security issues. The paper interviews and surveys managers from fifty accounting firms.

Outline:
Abstract
Chapter 1-Introduction
Background
Purpose
Importance of This Research
Statement of the Problem
Specific Aims
Method of Inquiry
Limitations
Paper Organization
Chapter 2- Review of Related Literature
Purpose of Paper
Purpose of Chapter
Chapter Organization
The Importance of Data Management for Accounting Firms
Chapter 3-Methodology
Purpose of Paper
Purpose of Chapter
Chapter Organization
Sampling Unit
Sampling Frame
Method of Selecting the Sample Elements
Participants
Data Analysis
Experimental Procedures
Research Hypotheses
Strengths and Weaknesses
Conclusion

From the Paper
"It is important to note that several research studies related to data management systems for accounting companies have been carried out (Kahneman and Tversky, 1979; Johnson, 1990; Reckers, et al. 1993; Rutledge, et al. 1993; Asare, 1992; Lewis, et al. 1983; Messier, 1992; Bamber, et al 1991; Brown, 1985; Budescu and Weiss, 1987; Mowen, 1987; Pei, et al. 1992). However, no research has focused on the costs and security issues of data management systems for mid-sized accounting firms. Therefore this research will fill this vital gap existing in the literature of data management systems. The issue of data management security and costs for mid-sized accounting firms not only in the local but also in the global context has been a neglected subject. Despite its significance, very few research studies have actually presented a conceptual framework for high-quality data management systems. One reason for this can be the fact that data management security and costs issues are difficult to measure (Pei, et al. 1992). This study aims to fill this gap by exploring data management security and costs for mid-sized accounting firms. "

Tags:costs, security, issues, framework, academic, analytical, communication, operational