Essay on The American Dream An Essential Part of America

The American dream is about working hard for what you are trying to achieve. The American dream comes from our past clear down to today and with influences it becomes a superior ambition. Even though the dream grows more throughout time; the dream is stronger and it’s easier to achieve what you want to have in this nation as a dreamer. The American dream has been discussed in literature for more than two centuries in our history. Way earlier in time before anything, our first used way of the American dream was not recognized, yet it was done by the first people in the Americas known as the Puritans. â€Å"From John Winthrop and the Puritan search for an earthly city upon a hill in the New World† (Meacham). This was the first lived American†¦show more content†¦This quote talks about how the American dream comes to be about being on good wages and making better ways to be an individual in a new country or even in another town or city. Franklin D. Roosevelt was purveyors of hope and dreams in our history, but his hopes were high and his rector Endicott Peabody told him, â€Å"Things in life will not always run smoothly. Sometimes we will be rising toward the heights — then all will seem to reverse itself and start down. The great fact to remember is that the trend of civilization itself is fo rever up, that a line drawn through the middle of the peaks and the valleys of the centuries always has an up trend,† (Meacham). This statement is true in all of its ways because life is hard no matter where you first begin and there are always going to be challenges that you have to strive through in order to achieve your goal. The American dream was a major part of these people in our history because they were going through many difficult times that made them dream of â€Å"better, richer, and happier† lives; that our earlier historian had written in one of his books (Meacham). The years passed by yet there were many influences that had great success contributing to the AmericanShow MoreRelatedThe American Dream : The Reality Of America860 Words   |  4 PagesAmerica throughout time has been known as a country for opportunity and freedom, where anyone can come and have a fair chance at living their â€Å"American Dream.† The stereotypical American dream is h aving a two parent family, with stable income, owning a home with a white picket fence with two children. But the reality of America is that this â€Å"dream† is achieved more easily by white men. Even though America is supposedly â€Å"The land of the free† and provides â€Å"Liberty and Justice for all†, these statementsRead MoreThe American Dream : The Ideas Of The American Dream1597 Words   |  7 PagesThe American Dream America, known as the nation of chance and flexibility, where any man or lady can come and have a reasonable shot at accomplishing the coveted objective usually alluded to as The American Dream. To many, effectively getting the American dream implies having a steady 2 parent family, with money related success, and rich in political and social opportunities. This fantasy be that as it may, is all the more effectively accomplished by specific individuals over others, andRead MoreThe American Dream In Lorraine Hansberrys A Raisin In The Sun1021 Words   |  5 Pagespromise of America is that anyone, from anywhere, can live a free and prosperous life in the United States. As President FDR once said We are all bound together by a hope of a common future rather than by reverence for a common past. He and many others believed in the American Dream, that has drawn hopeful masses of people to this country in search of a better life. Although some believe that the American promise is sti ll achievable, America no longer provides access to this dream. It has evolvedRead MoreRalph Chang in Typical American1078 Words   |  5 PagesMistakes are often essential factors of one’s wisdom and future success. People can always gain precious life lessons from their flaws, which resemble the pebbles that make a stable and perfect road. In the novel Typical American written by Gish Jen, the protagonist, Ralph Chang, makes a mistake in which he shifts and tortures his original American dream to a false and ‘poisonous’ dream that causes his ultimate familial, moral and financial collapse; in other words, he fails to create a ‘China’ withRead MoreThe Dream Act Of The United States1208 Words   |  5 PagesThe DREAM Act Since early in the 17th century, immigrants from different places on over the world have come to America to seek for freedom and opportunities. They have contributed in a large portion of the United States’ economy as well as culture. As a result, the impacts on American communities have turned into arguable issues, and one of them comes from educational field, the DREAM Act. In a simple way, DREAM Act (Development, Relief, and Education for Alien Minors) is a program that offers permanentRead MoreThe Land Of Opportunity : Immigrants1509 Words   |  7 Pages Immigrants created America, a nation that has embraced immigration. Throughout the years, America developed its â€Å"American Dream† concept, which states that anyone can succeed in the United States as long as that person works hard and does gives up. That concept, hope or dream attracts thousands of individuals, many of which leave their native countries with their hearth full of hope and the illusion of reaching and living the â€Å"American Dream.† However, the wonderful dream in many occasions hasRead MoreTo Elsie by William Carlos Williams1008 Words   |  5 PagesWhen you hear the phrase the American people do you think of a people who are despoiled, alienated, or lost? William Carlos Williams characterizes the American people in this way in his poem To Elsie, which provides commentary on the American peoples lost perspective. Through tone and imagery Williams tells of a self-alienating America that has lost perspective of its most treasured ideology, the Ame rican Dream, due to its violent and unstable tradition. Williams tone is a key component toRead More A Raisin in the Sun Essay: Importance of Deferred Dreams734 Words   |  3 PagesImportance of Deferred Dreams in A Raisin in the Sun      Ã‚   A dream is a hope, a wish, and an aspiration. Young people have dreams about what they want to be when they grow up. Parents have dreams for their childrens future. Not all of these dreams come true at the desired moment - these dreams are postponed or deferred. A deferred dream is put on the back burner of life(Jemie 219), and it matures to its full potential, and is waiting when you are ready to pursue it(Jemie 219). It isRead MoreThe Jagged Edges of a Shattered American Dream in Death of a Salesman1377 Words   |  6 Pages The American dream is an ideal for all Americans to get the best out of life. It stands for an easy and comfortable life, which makes you independent and your own boss. Historically, the American dream meant a promise of freedom and opportunity, offering the chance of riches even to those who start with nothing. This is something that Arthur Miller conveys in his play Death of a Salesman. Before the Depression, an optimistic America offered the alluring promise of successRead MorePersuasive Essay : The Definition Of The American Dream980 Words   |  4 PagesAmerica the great! America the beautiful! The land of the free and of equal opportunity. The home of the American dream. This expression to most people has a peculiar meaning. Most people would define the American Dream as the upbringing of success, the ability to control destiny, and to enjoy freedom due to the American social, economic, and political system. According to the Oxford English Dictionary Online, the American Dream means the ideal that every US citizen should have an equal opportunity

Animal Farm Corruption - 939 Words

Animal Farm, by George Orwell, is an allegorical novella depicting the Russian Revolution through the viewpoint of a revolution of farm animals against the owner of the farm. The revolution gives way to the pigs seizing a position of power on the farm. The pigs cement their claim to power through manipulating the other animals with force and their superior intellect. The pigs create an ideology for the animals on the farm to follow, and it begins as a message speaking of equality for all. Their power is eventually corrupted as they twist these ideals to further their agenda and make the farm their own. The pigs mimic the humans that they once fought against, dressing like the humans, walking on two legs, and adopting similar principles.†¦show more content†¦With the pigs being the only educated animals on the farm, they are the only ones who are able to interpret these rules and say how they should be followed. The first violation of these rules comes when the pigs begin sle eping in the farmhouse, just as Mr. Jones had once done. For many of the animals they are somewhat alarmed by this, as demonstrated when Clover asks Millie to confirm the commandment for her. â€Å"QUOTE.† Unbeknownst to the animals, what Millie has read out is a revised version of this commandment. To assure that there will be no further questioning on the matter, the pigs send in Squealer to convince the animals that this is how it had always been. He shames them into ever questioning the loyalty of the pigs to the farm and to the rebellion, claiming once again that what they are doing is only for the greater good of the farm. However, these changes come about solely for the benefit of the pigs. Their most egregious offense when it comes to changing the original seven commandments occurs in one of the final scenes of the book. The seventh and final commandment was originally written as, â€Å"All animals are equal†(PAGE). Though, by the end of the book, the pigs have changed this to be, â€Å"All animals are equal, but some are more equal than others†(PAGE AND CHECK QUOTE). Through this decision, the pigs have completely consolidated their power over the farm. No longer are the principles of animalism those of equality, but rather theyShow MoreRelatedAnimal Farm Corruption Essay1663 Words   |  7 Pagestheme corruption comes with power. In The story Animal Farm by George Orwell which follows the events of an animal rebellion on a farm that gains power, but eventually begins to become corrupt and reverted back to it s old ways due to their leader Napoleon. In the story Napoleon is shown gaining a larger stance in the rebellion only to take away animal’s rights and amendments initially created to help the farm stay on the path of rebellion against humans. In the story the theme corruption comesRead MoreAnimal Farm Corruption Essay1379 Words   |  6 Pages Animal Farm, by George Orwell, is an allegorical novella depicting the Russian Revolution through the viewpoint of a revolution of farm animals against the owner of the farm. The revolution gives way to the pigs seizing a position of power on the farm. The pigs cement their claim to power through manipulating the other animals with force and their superior intellect. The pigs create an ideology for the animals on the farm to follow, and it begins as a message speaking of equality for all. TheirRead MoreAnimal Farm Corruption Essay930 Words   |  4 Pagespeople can fall subject to corruption. Likewise, one who is already an unjust figure is more than capable of becoming a tyrant. Such is the case in Animal Farm, a novel by George Orwell. Animal Farm focuses on the rebellion of the animals on Manor Farm, and their attempt at a socialism-esque society. The leaders of the farm, two pigs named Napoleon and Squealer, gradually change from fair authority figures to unethical dictators. Orwell’s critically acclaimed novel Animal Farm establishes a theme ofRead MoreAnimal Farm Corruption Essay1289 Words   |  6 PagesCorruption in the governments can take place in any civilization. A representation of this is, if you take a group of people and drop them off in the middle of nowhere, with no form of authority nor government. Most of the time someone will want to take power, and sacrifice the greater good for their own needs. This same form of corruption is greatly displayed in the book called, â€Å"The Animal Farm†. It shows how a utopia can turn into a dystopia in a blink of an eye. â€Å"Now comrades, what is our natureRead MoreCorruption Of Leadership On Animal Farm964 Words   |  4 PagesEnglish 11H 13 October 2017 Corruption of Leadership on Animal Farm Lord Acton sent a letter to Bishop Mandell Creighton on April 5,1887. The letter contained the statement â€Å"power tends to corrupt and absolute power corrupts absolutely† which Animal Farm is a satire novella about the influences and nature of power and how it can be used for ultimate good or absolute evil. At the beginning of Animal Farm power was used to achieve great things; it brought all members of Manor Farm together under a unitedRead MoreCorruption of Power in Animal Farm Essay1172 Words   |  5 Pagesproclivities towards corruption. There are many examples in the book, â€Å"Animal Farm†, by George Orwell, of power corrupting those in charge because they had these tendencies. In the story, the most powerful animals are the two pigs, Napoleon and, to a lesser degree, Snowball. During the course of the story these pigs used their power to get more power, and in the process their inclinations towards corruption triumphed. When Old Major, the boar who came up with the idea of all animals uniting against humansRead More Theme of Power Corruption in Animal Farm, by George Orwell Essay1787 Words   |  8 Pageshistory, such as World War II and proven by the actions of Napoleon in the allegory, Animal Farm, by George Orwell. As Lord Acton said â€Å"Power tends to corrupt and absolute power corrupts absolutely.† In history what was viewed as a villain or wrong doer is never the same as the perception. A leader does not begin wanting to do wrong, they start with the best intentions, but power is a tricky thing, showcased in Animal Farm as Utopian ideals but with failed practices. Most new societies that have a UtopianRead MoreCorruption Of Control In Animal Farm, By George Orwell962 Words   |  4 Pages† This seems similar in the case of Animal Farm, a book by George Orwell. In the story the tired animals rebel against their owner and set up their own government, but the pigs assume control and abuse their power which corrupts the whole system by oppressing the other animals and exploiting them. Even though the pigs abuse their power, the naive animals are the reason why the pigs rose to control because the working animals were tricked by the pig’s corruption of language, persuaded by their propagandaRead MoreAnimal Farm By George Orwell1479 Words   |  6 Pages 2015 Animal Farm Animal Farm, by George Orwell, demonstrates how animals who were mistreated by humans and could no longer endure the pain. One night the animals take over a farm because they are frustrated about being mistreated and forgotten. The animals run the humans off the farm and change the name from Manor Farm to Animal Farm . The oldest pig, Old Major, is the one that starts the rebellion. He gives the other animals an idea of what a farm should look like, how animals should beRead MoreAnimal Farm By George Orwell1470 Words   |  6 PagesAnimal Farm As Lord Acton once said, â€Å"Power corrupts, and absolute power corrupts absolutely†. During the beginning of the novel Animal Farm by George Orwell, Old Major, the prize Middle White boar describes the oppression that the animals on Manor Farm have experienced. Old Major goes to foreshadow that a day will come when the animals will overthrow their human masters and build an equitable society. That day does in fact come and the animals cause their previous master, Jones, to flee the farm

Business Research Ethics Free Essays

This article explains why it is important for banks to have good ethics. The banks have an ethical responsibility to the government, the shareholders, and the people they serve. Communities have a history on trusting the banks to loan money to responsible parties. We will write a custom essay sample on Business Research Ethics or any similar topic only for you Order Now The banker’s role is one of stewardship based on trust (Green, C F 1989). The banks major responsibility is to trust our government, customer’s shareholders, and management staff to be ethical in their decisions. In this article, they discussed how ethical issues have an impact on managing for the longer term. There first question asked was when a company lies does an individual or company have an ethical responsibility to report any bad conduct to that individual. The answer to that question is yes, they have a responsibility to report any illegal actions. The laws of a LLC still hold companies accountable for what they do and banks are held accountable for what they do. A company can only go forward doing bad business for a short time before they start to collapse, and what I mean be that is if a company lies, cheats and steals form the people they will certainly be discovered. Therefore, the article tells us that in the end, even though it might be more effort for the company, (the banks) the company who does well ethically will stay in business. Having said that we have to acknowledge that money is a sticky business and business to make money. Therefore, as the markets open up through deregulation the World Wide Web and its technology will replace the face-to-face contact. Now deregulation just means that companies can trade and sell in markets that were closed to them in the past. Read Essay In Westminster Abbey Analysis Currently we have a single person working for a company doing both the selling and buying for us where it used to be stockbrokers and jobbers but with the new laws they have now rid of the jobbers and have given all the power to the stockbrokers. Now we have to trust the brokers and the companies they work for. Now the government has an obligation to protect the interests of the individuals they serve. The Government trust is clear from the financial services industry in Britain, of course there relationship depends a lot on the legislation, but then again the trust is there and has been for many years. For example, a recent example of consumer protection in the UK banks, national Westminster Bank has chosen independent status. They choose to give their customers an unbiased advice. At the very least the banks can be broken up into two parts those who barrow money, and those who lend it. Both the lenders and the barrowers have a very different and moral responsibility. A lending banker has to consider the canons of lending. The canons of lending are the banker’s responsibility to find the purposes’ in why an individual would need to be loaned money. The ethical issues that need to be understood are the purpose for the lending. It would be the banker’s ethical responsibility to the bank, and its community that uses there local banks to make an honest and ethical decision to loan the money to the borrower. The integrity and business ability of the borrower need addressing. The banks need to look at how the borrower will repay the community and the banks for the money they borrow. This is when the banks or the managerial staff will be satisfied to loan the money to the borrower. When all responsibility parties and issues have been addressed. In the banks situation they are always concerned when loaning money to an individual or a small company. There are ethical decisions to be made. Banking and finance is the people’s business meaning we depend on our people to run the business. The article was big on describing the relationship between the people and the banks are one. For example, the people who work at the banks live in the same communities they serve. Therefore, the banks make their employees and managers sign contracts to work. These contracts protect both the people and the banks form wrongdoing. The contract states both the banks and the employees’ rights. If there is an incident, the contract is extended beyond the contract and into the laws of society. The article gives examples of companies where action on issues like disciplining staff or creating equality opportunity extend beyond contracts and into legal requirements. Our society has its own standards on ethical behavior and this article explains how ethical behavior can be avoided by following the rules of contracts and having a moral obligation to the community by having good ethical standers. This article sums up by reiterating that the banks have responsibilities to both the government, stockholders and the people to make good ethical decisions. How to cite Business Research Ethics, Essays

Legal Aspect of Westpac Banking Corporation - Myassignmenthelp.Com

Question: Discuss about the Legal Aspect of Westpac Banking Corporation. Answer: Introduction Westpac Banking Corporation is also popularly known as Westpac, is a bank of Australian origin. The headquarters of the bank is located in Westpac Place in Sydney. The bank was established in Sydney in the year 1982. This essay is based on the analysis of the operations of the bank in Australia as well as in the overseas (Westpac.com.au. ,2017). Westpac banking corporation operates in the financial industry of Australia. The areas of operations of the bank are in the consumers as well as the business sector of the country. The consumer branches of the bank serve more than 9 million customers of the country. The bank has a network of 1429 branches, call-centers, 3850 ATMs and many third-party distributors. The business sectors of the banks are responsible for the operations related to the services and sales of small business and medium businesses as well. The agricultural and commercial based operations of the country are also linked to the business related operations of the bank. Westpac banking corporation has a financial management part which is named as BT Financial Group. The Funds Management related operations of the bank includes many other functions like manufacture as well as the distribution of the investment (Westpac.com.au. ,2017). The Westpac Banking Corporation has its global operations in many other countries including UK, China, Honk Kong, Singapore, India and New Zealand. The branches of Westpac in the Pacific are located in Papua New Guinea and Fiji. The major branches of the bank are located in New Zealand after those in Australia. The branches of both Australia and New Zealand offer facilities related to mortgages and credit cards to the customers or the migrants along with the other facilities provided by the banks (Westpac.com.au. ,2017). The total number of employees who are working in the branches of Westpac Banking Corporation is approximately 32,620. The number of employees working in the Australian branches of the bank is around 20,000. The bank has more than 1429 branches all around the world that serves the customers from all the countries. Regulatory frameworks affecting the bank The company applies an approach which is Three Lines of Defence used for the management of risk that can affect the operations of the banks. The management of risk in an effective manner enables the banks to measure the risk profile and to balance the risks that are posed towards the banks. The growth opportunities related to the bank can be optimised and the risks and the potential damages can also be mitigated. The depositors of the banks, the policy holders and the investors can be protected with the help of risk management policies (McNeil, Frey Embrechts, 2015). The adequate controls that are required to guard the risks related to the various operations of the banks are also controlled with the help of risk management. The obligations of the banks related to regulations can be met with the help these techniques. The Board of the banks holds the responsibility related to the reviewing and recommendation of the various strategies that are related to the banking operations (Li Zou , 2014). There are many different types of material risks that are related to the management and the operations of Westpac Banking Corporation. The different types of risk are as discussed further. The credit risk which is related to the financial loss of the banks when the customers fail to fulfil their financial obligations that were made to the banks (DeAngeloStulz, 2015). Another type of risk is the liquidity risk which is related to the risk where the groups are not able to provide funds required for the assets and fulfill their obligations as well. The market risk related to the banks has an adverse impact on the earnings of the bank that are related to the changes that occur in the market. The changes occurring in the market are related to exchange rates, the interest rates, the equity prices and the prices of the commodities as well. The other type of risk is the conduct risk which is related to the situation where the products or the services of the bank results in unfair or unsuitab le outcomes that can affect the stakeholders of the banks in a negative manner (Daghouri, MansouriQbadou, 2017). The operational risk is that type of risk which is a result of the loss from the failure of inadequacy of the internal processes of the bank, the employees of the bank or any type of external events as well. The compliance risk is also a type of risk which is related to legal or any type of regulatory sanction of the reputational or financial losses that arise from the failure of the obligations of the bank. The business risk of the bank is related to the vulnerability of the business with respect to the changes in that have occurred in the environment. The other type of risk associated with banks is the sustainability risk which results to the financial and reputational loss of the banks due to the failure that they have faced (Lodhia, 2015). The equity risk occurs in the banks as a result of the potential of losses related to the finances of the banks that occur due to the changes in the equity values. The risk related to equity can be indirect, direct or contingent. The risk related to the insurance entities of the banks and the expected costs related to the insurance events is also managed with the help of risk management. The risk that is related to the loss of the reputation of the bank which results in the loss of confidence of the stakeholders is also managed by the risk management strategies of the banks. The Board of the Westpac Bank has the responsibility to approve the Westpac Group Risk Management Strategy and the Westpac Group Risk Appetite Statement who can formulate the risk management strategies (BuchGoldberg, 2015). The effectiveness of the ways by which risk is managed by these groups is monitored by the Westpac Board. The control mechanisms that are used in the internal operations of the bank and the ways by which the mechanisms are implemented are also monitored by the Board (Langfield Pagano, 2016). There are different treaties, conventions or agreements that have huge impact on the different products as well as services that has been provided by Westpac Banking Corporation that is providing in Australia. Treaties are defined as the number of names such as international conventions, covenants, agreements as well as different constitutions for Westpac Banking Corporation. A treaty is formal element in agreement between different nations. Westpac Banking Corporation has to properly analyze the different issues faced by them regarding the different kind of services and the products that are delivered by them. The treaties can be bilateral or multilateral in nature that has huge effect on the different aspects as well. In order to properly tackle the different global conspiracy, Westpac Banking Corporation has to properly enter into different treaties that can be between Australia as well as New Zealand along with different other states (Hoffman et al., 2015). The Westpac Bank in Australia as well as in other locations has no power to impose proper obligations related to treaty in other states. The treaty that has huge effect on the different products as well as services such as savings or fixed deposit facilities that is essential for adoption or entry into force. There are two kinds of treaties that are contractual treaties as well as law making treaties. The multinational treaties has to be properly followed by different countries such as United Nations as this is a proper instrument that can be utilized in order to solve such issues relating to the conventional treaties followed by them. The Vienna conventional on the law of the treaties help in analyzing the different kinds of international agreements that are required in bank and this will help in understanding the relations with one another in the different nations. It is also claimed that the conventions that has to be properly followed by the different companies as this will help in binding upon proper ratification (Werle Jessberger, 2014). According to Werle Jessberger, (2014), law making treaties are the ones that will set new rule in the international law. The treaties involve law of treaty relating to sea as well as chemical weapons convention too. On the other hand, conventional treaties involve treaties that are made regarding import or export of goods or services in Westpac Banking Corporation. Proper contractual treaties have huge impact on the goods as well as services provided by Westpac Banking Corporation. However, if Westpac do not follow different treaties there is no such binding that the respective company has to properly follow the guidelines relating to the treaties. Westpac Banking Corporation is following general treaties as this has huge impact on the goods as well as services provided by them to the different individuals in the countries (Langford, 2013). Proper ascertainments has to be made by the respective bank as this will help in understanding the issues relating to the breaking of the treaties and this will emphasize more on the different requirements of the conventions in banks (Von Glahn Taulbee, 2015). There are different banks that have huge role in providing different essential services to the individuals in the organization (Merrills, 2017). This will help in analyzing the importance of the unilateral treaty that is a formal kind of declaration by the respective countries as well as state wherein the consenting is not bound in order to be followed by the different recipients. The treaties has huge impact on the different political issues that is affecting the entire state and this is essential as treaties are getting more effective in the modern days and this will help in generating and gaining more implementation of the international law as well (Koskenniemi, 2014). There are different effects of the conventions or treaties in the Westpac Banking Corporation that is headquartered in Sydney, Australia (Sornarajah, 2017). Proper convention is essential in nature as this will help in understanding the different issues that is related to the export or import of goods and services. It is mandatory in nature to properly follow different rules as well as regulations in the different countries wherein there is proper presence of the Westpac Banking Corporation (Conrad Ritter, 2013). In such situation, the countries wherein the treaties are followed by the different institutions, it is mandatory for the country to follow as well as adhere to the different treaties conditions as well. The main role of the treaty is to properly emphasize on the role of the different conventions that is related to the export as well as import of goods as well as services. Conclusion Therefore, it can be concluded that proper treaties has to be followed by Westpac Banking Corporation as this will help in analyzing the different rules and regulations that is followed by them. The different treaties such as conventional as well as law making treaties is essential in nature to be followed as this will help in maintaining proper as well as peaceful environment. There can be different situations wherein the treaties may not be followed by the bank wherein negotiations has to be made easier in nature and this will help in following the treaties as this has huge positive impact on the banks in different countries as well. It has been seen that the treaties have huge impact on the political factors in the respective countries and this will have huge as well as powerful state that will break the international law. The proper principle of the cultural diversity is adopted by the respective bank in Australia as well as in New Zealand as this will help them in proper protection of the goods as well as services provided by them in other countries as well as to the individuals. The main purpose of the convention or the agreements in Westpac Banking Corporation is to adopt cultural diversity and this will help in gaining more competitive advantage in the entire country as well. Proper cultural measures as well as policies has to be ascertained by the Westpac Banking Corporation in Australia as the main headquarter is situated there and this will have huge impact on the export and import of goods as well as services. References Buch, C. M., Goldberg, L. S. (2015). International banking and liquidity risk transmission: Lessons from across countries.IMF Economic Review,63(3), 377-410. Conrad, C. R., Ritter, E. H. (2013). Treaties, tenure, and torture: The conflicting domestic effects of international law.The Journal of Politics,75(2), 397-409. Daghouri, A., Mansouri, K., Qbadou, M. (2017, April). Towards a decision support system, based on the systemic and multi-agent approaches for organizational performance evaluation of a risk management unit: Banks case. In2017 Intelligent Systems and Computer Vision (ISCV)(pp. 1-8). IEEE. DeAngelo, H., Stulz, R. M. (2015). Liquid-claim production, risk management, and bank capital structure: Why high leverage is optimal for banks.Journal of Financial Economics,116(2), 219-236. Hoffman, S. J., Outterson, K., Rttingen, J. A., Cars, O., Clift, C., Rizvi, Z., ... Zorzet, A. (2015). An international legal framework to address antimicrobial resistance.Bulletin of the World Health Organization,93(2), 66-66. Koskenniemi, M. (2014). Fragmentation of international law: difficulties arising from the diversification and expansion of international law: Report of the study group of the international law commission. Langfield, S., Pagano, M. (2016). Bank bias in Europe: effects on systemic risk and growth.Economic Policy,31(85), 51-106. Langford, M. (Ed.). (2013).Global justice, state duties: the extraterritorial scope of economic, social, and cultural rights in international law. Cambridge University Press. Li, F., Zou, Y. (2014). The Impact of Credit Risk Management on Profitability of Commercial Banks.Umea School of Business and Economic. Lodhia, S. (2015). Exploring the transition to integrated reporting through a practice lens: An Australian customer owned bank perspective.Journal of Business Ethics,129(3), 585-598. McNeil, A. J., Frey, R., Embrechts, P. (2015).Quantitative risk management: Concepts, techniques and tools. Princeton university press. Merrills, J. G. (2017).International dispute settlement. Cambridge university press. Sornarajah, M. (2017).The international law on foreign investment. Cambridge university press. Von Glahn, G., Taulbee, J. L. (2015).Law among nations: an introduction to public international law. Routledge. Werle, G., Jessberger, F. (2014).Principles of international criminal law. OUP Oxford. Westpac.com.au. (2017).Risk management | Westpac.Westpac.com.au. Retrieved 15 December 2017, from https://www.westpac.com.au/about-westpac/westpac-group/corporate-governance/risk-management/