Thursday, September 3, 2020

Legal issues in cloud computing Essay Example | Topics and Well Written Essays - 500 words

Lawful issues in distributed computing - Essay Example Such provisos for the most part require the client or a provider to test the gear as per determined testing methods. The provider is likewise required to amend any imperfections on the hardware or permit the client to dismiss the gear and get a discount (Salido 21). There is consistently the danger of incidental or conscious, however unapproved annihilation or alteration of information by maverick representatives of the supplier. Such occasions bargain the nature of rightness, exactness, culmination and the trustworthiness of the information. In its agreement, the client ought to consider which gathering is best positioned to deal with those dangers and, in this way, regardless of whether the course of action with the supplier ought to require the provider to be responsible for the misfortunes (Salido 22). A customer may have legal commitments to keep certain data classified. In this manner, it is essential that these commitments are likewise transmitted to the supplier in circumstances where the supplier is getting to or putting away the customer’s information. Ordinarily, the client will need the supplier to meet a base degree of tact for the customer’s data. In cases including delicate data, the level of security should be more grounded. All frameworks of assurance expressed in this paper may conceivably be immaterial except if the client can support that the necessary data security prerequisites are being fulfilled. Review of suppliers is one method of guaranteeing similarity. Review of such game plans is, be that as it may, liable to be convoluted by area of the information which might be baffling to the customer and could be situated in remote nations (Salido 23). Information proprietorship is the ownership of and responsibility of data. It signifies power just as the board of information. The provider may possess the entirety of the property rights in the product or the provider might be authorized to concede the permit to the client. It is basic that the provider give the client a grant that it has all the privileges to

Saturday, August 22, 2020

Theorists have argued that in order for service operations to be Essay - 1

Scholars have contended that all together for administration tasks to be effective, they should embrace a creation line way to deal with their conveyance - Essay Example As indicated by Gallouj and Weinstein (1997), watchfulness of items is the center adversary to its request, normalization, and quality. A creation line approach targets copying a mechanical production system underway in that no items are discretely arranged by the representative to lessen the danger of low quality or separation as the worker will design the item as per his own advantages along these lines the result is profoundly unusual same as the client reaction to a similar item. Then again utilizing a totally robotized and controlled creation line approach will guarantee consistency in all the items hence the buyers will consistently recognize what's in store as far as quality and consistency. The benefits of a creation line way to deal with administration activities incorporate expanded, productive, modest, high volume rewarding help tasks and an expanded fulfilled client database. As indicated by Levitt (1976), if an assistance activity happens with an administration objectivity and strategies replicated from the assembling division it will undoubtedly succeed in light of the fact that the assembling segment will in general think and act innovatively while the normal help tasks approach will in general search for arrangements in the strengthening of the individual giving the administration. The transport line/creation line approach in administration activity is considered as an old however viable technique in expanding a movies creation as displayed by its utilization in fields, for example, banking, aircrafts, and upkeep. This methodology has been executed in organizations and firms, for example, IBM which produces PCs for overall utilization, Citibank which is probably the greatest bank worldwide and McDonalds. These methodology approach is a productive, capital-escalated framework, programmed and discrete framework that includes preplanning and routinizing representative exercises to guarantee consistency and straightforwardness of the procedure. Scholars contend that this methodology

Friday, August 21, 2020

Eia Malaysia Free Essays

string(94) Malaysia is intended to follow the Integrated Project Planning Concept as appeared in Figure 2. Natural IMPACT ASSESSMENT (EIA) Procedure and Requirements in Malaysia CONTENTS Page I. Natural IMPACT ASSESSMENT What is Environmental Impact Assessment (EIA) Why do we need EIA? Which exercises are liable to EIA How to direct EIA II. THE EIA PROCEDURE IN MALAYSIA Integrated Project Planning Concept How is EIA Report Processed and Approved ? Authoritative Structure Preliminary EIA Reports Detailed EIA Reports Classification of Projects by Timing of EIA Report Submission (Project Planning Cycle) Consultation III. We will compose a custom article test on Eia Malaysia or on the other hand any comparative theme just for you Request Now Exercises SUBJECT TO EIA 1 2 4 5 9 Rundown OF FIGURES 1 2 3a 3b Outline of Environmental Impact Assessment Procedure in Malaysia Integrated Project Planning Concept Organizational Structure of EIA Report Processing and Approval Procedure at State Offices Organizational Structure of EIA Report Processing and Approval Procedure at the Department of Environment Headquarters Organizational Structure of Detailed EIA Report Processing and Approval Procedure LIST OF TABLES 1 2a 2b 2c Classification of Projects by Timing of EIA Report Submission (Project Planning Cycle) Summary of Activities Subject to Environmental Impact Assessment (Activities Defined by Quantum) Summary of Activities Subject to Environmental Impact Assessment (Activities Defined by Project Size) Summary of Activities Subject to Environmental Impact Assessment (Activities Not Defined by Unit of Measure) 3 4 5 3c 6 7 11 12 13 ii LIST OF APPENDICES Appendix 1 Environmental Quality Act, 1974 1985) Section 34a 2 Environmental Quality Act, 1974. Ecological Quali ty (Prescribed Activities) (Environmental Impact Assessment) Order 1987 Offices of the Department of Environment Page (Amendment, 14 16 21 3 iii I. Natural IMPACT ASSESSMENT What is Environmental Impact Assessment (EIA)? EIA is an investigation to recognize, anticipate, assess and impart data about the effects on the earth of a proposed venture and to detail out the moderating measures preceding task endorsement and execution. For what reason do we need EIA? EIA is basically an arranging apparatus for forestalling ecological issues because of an activity. It looks to stay away from exorbitant missteps in venture execution, either as a result of the natural harms that are probably going to emerge during venture usage, or due to changes that might be required accordingly so as to make the activity earth satisfactory. In Malaysia, EIA is required under area 34A, Environmental Quality Act, 1974 (APPENDIX 1). EIA when coordinated into the current arranging and dynamic hardware, gives extra data towards better dynamic. Which exercises are liable to EIA? Exercises subject to EIA are endorsed under the Environmental Quality (Prescribed Activities) (Environmental Impact Assessment) Order, 1987 (APPENDIX 2). A duplicate of this Order might be acquired from the Government Printers or from any office of the Department of Environment (APPENDIX 3). How to direct EIA? To help you in the planning of ecological effect appraisal reports, you may allude to â€Å"A Handbook of Environmental Impact Assessment Guidelines† and EIA rules for explicit exercises distributed by the Department of Environment. II. THE EIA PROCEDURE IN MALAYSIA The EIA methodology received in Malaysia comprises of three significant advances. The means in the EIA system, which are appeared in Figure 1, can be portrayed as follows: Preliminary appraisal identifies with the underlying evaluation of the effects because of those exercises that are endorsed. Primer evaluation is the phase of the EIA technique that ought to ordinarily be started at the pre-attainability study phase of the improvement of a movement. Undertaking choices are distinguished at this stage and any noteworthy lingering natural effects are made known. The starter report that is readied is inspected by a specialized advisory group in the DOE inside. Be that as it may, where skill inside the Department is inadequate with regards to, help from other government and non-government organizations might be looked for. Definite evaluation is embraced for those ventures for which noteworthy remaining natural effects have been anticipated in the starter appraisal. The evaluation ought to preferably keep during venture achievability, and the point by point EIA Report be submitted for endorsement by the Director General of Environmental Quality before the giving of endorsement by the applicable Federal or State Government expert for the execution of the undertaking. Point by point appraisal is completed dependent on explicit terms of reference gave by a specially appointed Review Panel designated by the Director General. The EIA Report that is readied is evaluated by the specially appointed Review Panel led by the Director General. Survey of EIA Reports is completed inside by the DOE for fundamental appraisal reports and by a specially appointed Review Panel for nitty gritty evaluation reports. Proposals emerging out of the audit are transmitted to the significant venture favoring experts for thought in settling on a choice on the task. The typical period dispensed for an audit of a fundamental appraisal report is one month while that for a point by point evaluation report is two months. The DOE keeps up a rundown of specialists who might be called upon to sit as 1 individuals from any Review Panel built up. The determination of the specialists relies upon the zones of natural effects on be assessed. Other primary highlights of the EIA technique as appeared in Figure 1 incorporate the accompanying: The Approving Authority is the Government Authority that has the undertaking of choosing, regardless of whether a venture ought to continue. The specialists incorporate the accompanying: 1. The National Development Planning Committee (NDPC) for Federal Government supported ventures; 2. The State Executive Council (EXCO) for State Government supported ventures; 3. The different Local Authorities or Regional Development Authorities (RDA) as for arranging endorsement inside their separate zone; and 4. The Ministry of Trade and Industry or MIDA for mechanical tasks. Suggestions emerging from the survey of the EIA Reports are sent to the applicable undertaking favoring specialists. Toward the fulfillment of the survey time frame for a nitty gritty EIA, a Detailed Assessment Review Document is given by the Review Panel. This report may include: 1. Remarks on the Detailed Assessment report; 2. Proposals to the task defender and the venture affirming authority including a particular conditions joined to the undertaking endorsement; and 3. Proposals for natural checking and inspecting. Coordinated Project Planning Concept The EIA Procedure in Malaysia is intended to follow the Integrated Project Planning Concept as appeared in Figure 2. You read Eia Malaysia in class Papers The highlights of the idea incorporate the accompanying: 1. At the beginning, during the undertaking distinguishing proof stage, the need to lead an EIA study is likewise decided. 2. In the event that the undertaking requires Preliminary Assessment, it is done in corresponding with the Pre-possibility Study for the task. 3. Correspondingly, whenever Detailed Assessment is required, it is directed as a feature of the Feasibility Study for the undertaking. 4. The Preliminary Assessment and Detailed Assessment reports are checked on all the while with the Pre-possibility and Feasibility reports separately, before an official conclusion on the venture is made. During venture development and task activity ecological observing is done. 2 3 The idea is prescribed to be followed to limit venture postpone and improve venture arranging. How are EIA Reports Processed and Approved? Authoritative Structure As of first January 1994, all Preliminary EIA Reports are handled and affirmed by the Department of Environment State Offices with the exception of Kedah and Perlis. EIA Reports for Kedah and Perlis and those for ventures inside the Exclusive Economic Zone (EEZ) and activities including more than one state are prepared by officials at the Department of Environment Headquarters. All Detailed EIA Reports are handled and endorsed at Headquarters. Starter EIA Reports Figure 3a represents the authoritative structure of the Preliminary EIA Report preparing and endorsement method at the Department of Environment State Offices. The hierarchical structure is going by the State Director. He is answerable for supporting or dismissing an EIA Report. One-Stop Agency gatherings with other important organizations or divisions are held when fundamental. Remarks and checks from significant organizations or offices are looked for specific cases. The State Director is helped by Environmental Control Officers and Assistant Environmental Control Officers. Figure 3a. Hierarchical Structure of EIA Report Processing and Approval Procedure at State Offices Figure 3b shows the authoritative structure of the EIA Report preparing and endorsement system at the Department of Environment Headquarters. The authoritative set-up is going by the Director of Prevention Division. He is helped by the Head of Evaluation Section and Senior Environmental Control Officers leading the EIA Technical Committee meeting. The EIA Technical Committee is an in-house board of trustees set 4 up to inspect the Preliminary EIA Reports. One-Stop Agency gatherings with pertinent divisions or organizations are held when important. Remarks and confirmations from the offices or organizations are procured when essential. The Committee details suggestions to the Director of Prevention Division on the agreeableness of the Preliminary EIA Report. Nitty gritty EIA Reports Figure 3c delineates the authoritative structure of the Detailed EIA Report handling and endorsement strategy. The Organizational set-up is going by the Di

Tuesday, June 9, 2020

Chinese politics Essay - 1375 Words

Chinese politics (Essay Sample) Content: Chinese politicsName:Institution Since Chinese reform plus opening up guiding principles started in the 1970s, this great nations average yearly economic growth rate can be termed as phenomenal. At present, only Unites States gross domestic product surpasses that of China with the country proud to be the global largest importer and exporter. Along with such remarkable achievements, people have predicted that this century is Chinas. As a matter of fact, there has been a considerable increase in Chinas position in both regional plus global governance and development (Yunling, 2012). This has also coincided with projection that China will soon outshine the United States as a global leader, and the notion is dubbed China Threat. Evidently, the country has attained significant strides towards prosperity both regionally and globally. However, questions remain regarding long-term sustainability in terms of economic growth. More so, the issues of corruption plus environmenta l degradation continue to trouble the country. In fact, they cast a dark shadow over the countrys future. Combating corruption and related activities is possibly among the toughest mission ahead because it necessitates politically challenging reforms eschewed by the country for fear of depressing the supremacy of some political parties. It is understood that for a long time, Beijing has avoided combating corruption with full force out of fear of undermining CCP (Chinese Communist Party). However, without intensifying the fight against official corrupt activities, the nation runs many risks as far as prosperity is concerned. Indeed, the experiences of burgeoning countries illustrate that runaway corruption destabilizes critical government institutions as well as massive economic distortions. In addition, it also threatens the countrys peace through fuelling public resentment all of which magnifies the dangers of full-blown crisis. Inevitably, the failure and or reluctance to contain official corruption endangers the countrys economic development. It is worth noting that measuring corruption is rather difficult as a result of its illicit nature. In Chinas scenario, the widespread lack of transparency increases the challenge. Nonetheless, official audits, public perceptions, official anti-corruption information, press reports as well as estimates based on global trends indicate that Chinas corruption is not only pervasive but also costly. For instance, Chinas NAA (National Audit Agency) offered measurement of corruption in the country for the duration between 1996 and 2005. Its report revealed that up to 1.2 trillion yuan approximately $170 billion- was misspent and misappropriated. Such figure emerged due to corrupt plus illegal activities including setting up slush funds, overstating staff numbers, collecting illegal fees as well as misappropriating special funds. Basing on this measure, several reports indicated that the misappropriated funds represented app roximately 8 percent of the entire budget for that duration (Pei, 2006). As mentioned earlier, such trends do not bond well with a country supposedly in the process of becoming a super power. Everyday press reports regarding high-profile scandals casts a gloomy shadow of corruption in the nation. The amount of funds stolen by perpetrators has increased exponentially with the flourishing economy. Worryingly, Chinese corruption is concentrated in agencies/sectors with broad state involvement. This includes infrastructural projects, financial services, government procurement plus heavily regulated industries. In essence, the government has either been reluctant or shows failure in combating corruption. The lack of a competitive political system plus a free press makes the high risk sectors/ agencies even more prone to corrupt activities such as bribery, theft, fraud plus kickbacks. On the whole, the pervasiveness of corruption is manifested in the downfall of several officials in charg e of critical sectors. The abrupt dismissal of a member of the powerful CCP in 2006, for instance, reveals the extent of corruption in government circles. C Liangyu was dismissed due to alleged involvement in scandals (Pei, 2006). Alarmingly, much of his case remain murky due to cover ups and reluctance by the government to act accordingly. Casual observers may be impressed with the countrys seemingly punitive measures against corruption. Indeed, it is tempting to write off the deleterious consequences of corruption in China given the high economic growth. Unfortunately, such opinions do not match up with either the countrys reality or historical truth. First, the overall costs of corruption are massive and the direct economic loss represents huge transfer of wealth to a small percentage of elites. The ever-rising transfer is fuelling Chinas swift rise in socio-economic inequality as well as the publics opinion of social injustice. Also, the indirect costs associated with corruption (efficiency losses, credibility of key institutions, damages to education and public health) are incalculable. Worth noting is that these ills are already manifesting themselves in Chinese society. At the local level, corruption contributes to tens of thousands of violence and or riots each year thus undermining social stability. It also contributes to deterioration of services as well as the rising costs of healthcare, education plus housing. It would be wrong to conclude that the countrys system possess an infinite capacity to soak up the escalating costs of corruption. Ruling leaders perceived by the public as incorrigibly corrupt plus self-serving will ultimately enjoy little popularity thus leading to major crisis including revolutions. All in all, Chinas financial plus social stability is at increased risk due to endemic corruption. However, the most treacherous menace of corruption is invisible. This is because endemic corruption gradually increases Chinas systemic risks. Wo rth noting is that the spillover impacts of corrupt activities contribute to environmental degradation including toxic effluents into major ecosystem. Indeed, corruption in this country has been associated with corruption. Fraud in project approvals including failure to institute emission control policies has been associated with environmental degradation. According to Lague (2006), senior environmental officials in the country disclosed that a government analysis into pollution control had established violation in about 40 percent cases. In essence, the country is not much into measures to mitigate environmental degradation. The conflict between environmental protection and economic prosperity is well documented in the country. In most cases, nations experiencing exponential economic growth give environmental matters little or no attention. Fraud in project approval becomes a common theme as many projects pass their environmental review without meeting the required criteria. The ma in challenge to China in terms of prosperity is water. This is because the nation is faced with the twin issues of water pollution and shortage. Often, pictures of the country display watery plus green landscapes. H...

Sunday, May 17, 2020

6.Conclusion . 6.1 Chapter Structure. This Chapter Describes

6. Conclusion 6.1 Chapter Structure This chapter describes the PASEDR (Planning- Activity-Support-Evaluation Development-Resources) model, suggested as the LD for physics in higher education. It also outlines limitations of the research and future opportunities for further studies. 6.2 Learning Design for Physics Teaching in Higher Education PASEDR Model: From the summary of the previous chapter, a PASEDR model of Learning Design has been developed (Figure 4). The arrows of the figure show the direction of the cycle. The whole process is reversible. The two-way direction of the arrow indicates that the component of the model can be connected in both ways, such that planning can modify an activity component, however, the activity (for†¦show more content†¦Professional development. The important factor in developing teaching is the acknowledgment for good teaching. Normally, at university, lecturers are awarded for their research, but not so much for teaching. Therefore, they spend lots of time to study physics research. They do not have enough time in studying PER. Sometimes, maybe, they get help from peer experience or workshop. Resources. Although ICT plays an important role, today, in implementing their teaching techniques, most lecturers think that it is not essential. Student engagement and learning by doing is important. For implementing studio type activity and sharing, active learning is important. Figure 4: Learning Design for physics teaching in higher education 6.3 Limitations of the Research As to the limitations of this study, lecturers’ responses are insufficient. In this qualitative research, the data highly relies on participants’ perceptions and beliefs and their honesty and truthfulness, and so the study can be limited. Furthermore, it is a short term study and the data was collected over one semester. Only four lecturers were interviewed. Therefore, it is not generalisable to any other context or unit. During data collection, neither an explanation nor an introduction of the framework from which a teacher’s action and teaching knowledge were analyzed was presented to the lecturers. A different approach, in further research, could exploreShow MoreRelatedHow Effective Leadership Leads The Great Creativity And Innovation Essay1322 Words   |  6 Pagesof contents Abstract 2 List of Figures 3 List of tables 3 Chapter 1 Introduction and Background (1000words) 4 1.1 Introduction 4 1.2 Background to the study 4 1.3 The research problem 4 1.4 Rationale (reason for the study) 4 1.5 Aims and objectives of the study 4 1.6 Research questions 4 1.7 The relevance of the study 4 1.8 Structure of the dissertation 5 Chapter 2 Literature review (3500words) 5 2.1. Introduction 5 2.2. 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Wednesday, May 6, 2020

General Features Of Second Language Tasks - 2325 Words

In this section we draw on the TIP task to illustrate a number of general features of second language tasks. First, as can be seen, the task is holistic in the sense that it requires learners to decide on potential relevant meanings, and use the phonology, grammar, vocabulary and discourse structures of the language to convey these in order to carry out the task. A second feature of any task is the need to achieve one or more meaningful outcomes. This is essential for the dynamic of the task. In the TIP task, the learners were asked to come up with a description of the likely owner of the objects. Depending on the teacher’s instructions this could take one of various forms: written, oral or possibly a non-verbal representation, such as a picture, set of notes or ID forms, selected from an array. What these have in common is a target outcome in the form of a verbal or nonverbal representation of information. 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Strategic Management Theory and Practices

Question: Discuss about the Strategic Management Theory and Practices. Answer: Introduction The topic of strategic management has evolved to be one of the most crucial necessity and a decision making aspect in the modern business world. In addition to building up capabilities, organizations have increasingly undertaken modernization of the structural framework as well (Paul, 2014). Every other enterprise, irrespective of their types faces a higher amount of competition. In order to survive and fulfil target effectively, managers focus on integrating strategy changes in the business. This particular project takes into consideration the case of National Australia Bank (NAB) and its situations of failures over the bygone years. Reviewing the news it can be seen that the bank had been confronted with strategic management issues thereby directly relating to a financial breakdown in the year 2015 2016 (Moutinho, 2016). In addition to a theoretical perspective, a practical strategy and management enhancement approach has also been included in the essay. Discussion According to Bramble (2015), unlike every other business sectors, the Australian banking segment tends to be highly attractive in nature. Over the years, entrepreneurs have increasingly tends to develop initiatives in the profitable sector. Based on a Porter`s five force analysis is can be inferred that apart from a high degree of rivalry, there exists a moderate level of entry scopes in the industry. Further, apart from a high threat of substitutability, the section provides a medium bargaining power to the customers and suppliers. It is noted that presence of various banking firms not only leads to a forces the management of NAB to build up competitive advantage factors, but also increasingly focus on developing strategic concerns as well (Pais Stork, 2013). Concerning a resource based view, there exists various internal strengths of the firm which help it to win over opportunities and mitigate weaknesses. In addition to a large brand name and awareness, the organization provides the people with a diversity of financial services. Further, it is the large assets and revenue generation capabilities of the firm which enable it to eradicate business limitations. Being among the leaders of the nation, NAB has a taskforce of highly skilled and experienced individuals. Apart from focussing on increasing revenue growth, the managers tend to fulfil socio-cultural need of the differentiated stakeholder groups as well. Additionally, the heightening of sustainability concerns in the bank also acts as a helping hand towards developing competitive advantage factors. As compared to industry attractiveness, the core competencies help in building up competitive advantage factors. As stated by Turner (2014), it is noted that a rise in capabilities not only leads to achieving of tangible as well as intangible targets but also helps the NAB in ensuring a higher performance level over its rivals, thereby supporting strategic management. It is noted that NAB has a higher response to competencies than the increased attractive nature of the industry (Parham, 2013). Moreover, in order to enlarge competitive advantage factors, the organization tends to enhance its potentialities and abilities as well. As per the case of National Australia Bank it can be seen that the organization has faced degrading situations over the past few years. Despite of growth in the early 1990`s when the bank entered into several agreements and joint ventures, the bank is confronted with some serious strategic failures (Moutinho, 2016). In addition to opening up core processing outlets and developing online competencies, the management focused on global expansion and strategy management aspects as well. However, the failure of NAB was not only due to internal irregularities, but also due to the fluctuating external factors. It is noted that the bank`s overseas expansion strategy did not stop after acquiring the Bank if New Zealand and Michigan National Corporation. Being recognized as the globe`s widest financial services firm, the management has access to a large pit of resources and thereby involved in organic strategy growth methods. As opined by Chiaramonte Casu (2013), the extensive operation of NA B forced the world to believe in its well developed competency levels and image of a global player. Despite of growth scopes, the bank faced a huge breakdown since the year 1999 after Argus abandoned the firm and disposed of the US based MNC to a Dutch banking organization. Further, selling of the several initiatives and cutting off from the United States provided a profit of billions and market the collapse of NAB`s global strategies (Moutinho, 2016). As per the case study, the over-extending process and an incomplete understanding of the market acted as the main reasons behind the degrading situations. On the other hand, the global economical crisis (2008) and poor judgement of business experts in the firm also affected the strategic failures (Featherstone, 2015). The worsening situations of GWB and GFC ultimately lead to a 42% drop in profit levels of the organization. Additionally, the caught up of Clydesdale in UK PPI scandal resulted to a $2.59 billion by NAB (2015). It is not ed that despite of being competitive and proficient in nature, the unplanned and incompetency acquisition strategy of the bank played a major role in the degrading situations. As per the case study, the poor management of business in NAB also tend to affect success of the international growth strategies. Lastly, the structural and strategy alteration of the bank with the appointment of Cameron Clyne (CEO) not only resulted in shifting of targets, but also huge losses on selling off the remaining parts of overseas acquisitions (Moutinho, 2016), which is why the problems could not be solved. Reviewing the degrading situations of National Australia Bank, there are various recommendations that can be made for it to regain its position in the market. Firstly, it is suggested that the bank tends towards reforming the strategy framework. It is important that the firm diversifies its policies into separate departmental levels and functions. An increase in core competencies will lead a consequent rise in profit margins as well. As stated by Moore (2016), the introduction of premier services, pre-approved products and product bundling will help to develop core competencies of NAB. Secondly, it is recommended that the bank undertakes relationship building and community based strategy for developing strategic management in Australia and later at an international level. It is important that the managers strengthen the company base at a domestic level first and then tend towards foreign expansion. Conclusion Analyzing the various aspects of the project, it can be inferred that the National Australia Bank has been confronted with certain degrading situations over the past years. It is noted that despite of being confronted with a variety of internal and external factors, the management tends to make the most of the availabilities and continuously adapt to the changing environment to ensure their position in the marketplace. 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