Learn More About Conjugations for the Italian Verb Sposarsi

sposarsi: to get married; go well together; match Regular  first-conjugation Italian verbReciprocal verb  (requires a  reflexive pronoun) INDICATIVE/INDICATIVO Presente io mi sposo tu ti sposi lui, lei, Lei si sposa noi ci sposiamo voi vi sposate loro, Loro si sposano Imperfetto io mi sposavo tu ti sposavi lui, lei, Lei si sposava noi ci sposavamo voi vi sposavate loro, Loro si sposavano Passato remoto io mi sposai tu ti sposasti lui, lei, Lei si spos noi ci sposammo voi vi sposaste loro, Loro si sposarono Futuro semplice io mi sposer tu ti sposerai lui, lei, Lei si sposer noi ci sposeremo voi vi sposerete loro, Loro si sposeranno Passato prossimo io mi sono sposato/a tu ti sei sposato/a lui, lei, Lei si sposato/a noi ci siamo sposati/e voi vi siete sposati/e loro, Loro si sono sposati/e Trapassato prossimo io mi ero sposato/a tu ti eri sposato/a lui, lei, Lei si era sposato/a noi ci eravamo sposati/e voi vi eravate sposati/e loro, Loro si erano sposati/e Trapassato remoto io mi fui sposato/a tu ti fosti sposato/a lui, lei, Lei si fu sposato/a noi ci fummo sposati/e voi vi foste sposati/e loro, Loro si furono sposati/e Future anteriore io mi sar sposato/a tu ti sarai sposato/a lui, lei, Lei si sar sposato/a noi ci saremo sposati/e voi vi sarete sposati/e loro, Loro si saranno sposati/e SUBJUNCTIVE/CONGIUNTIVO Presente io mi sposi tu ti sposi lui, lei, Lei si sposi noi ci sposiamo voi vi sposiate loro, Loro si sposino Imperfetto io mi sposassi tu ti sposassi lui, lei, Lei si sposasse noi ci sposassimo voi vi sposaste loro, Loro si sposassero Passato io mi sia sposato/a tu ti sia sposato/a lui, lei, Lei si sia sposato/a noi ci siamo sposati/e voi vi siate sposati/e loro, Loro si siano sposati/e Trapassato io mi fossi sposato/a tu ti fossi sposato/a lui, lei, Lei si fosse sposato/a noi ci fossimo sposati/e voi vi foste sposati/e loro, Loro si fossero sposati/e CONDITIONAL/CONDIZIONALE Presente io mi sposerei tu ti sposeresti lui, lei, Lei si sposerebbe noi ci sposeremmo voi vi sposereste loro, Loro si sposerebbero Passato io mi sarei sposato/a tu ti saresti sposato/a lui, lei, Lei si sarebbe sposato/a noi ci saremmo sposati/e voi vi sareste sposati/e loro, Loro si sarebbero sposati/e IMPERATIVE/IMPERATIVO Presente — ​ sposatisi sposisposiamocisposatevisi sposino INFINITIVE/INFINITO Presente: sposarsi Passato: essersi sposato PARTICIPLE/PARTICIPIO Presente: sposantesi Passato: sposatosi GERUND/GERUNDIO Presente: sposandosi Passato: essendosi sposato 1001 Italian Verbs:  A  |  B  |  C  |  D  |  E  |  F  |  G  | H |  I  | JK |  L  |  M  |  N  |  O  |  P  |  Q  |  R  |  S  |  T  |  U  |  V  | W | X | Y |  Z

Ambition, Ethics And Leadership Essay - 1253 Words

Values are individual beliefs that drive people to do things or act in different ways. Generally, people are inclined to adopt the values they were raised up in, either by society, the culture or history. Conflicts arise when people have different values, leading to a dispute of concerns. The comparative study of the texts ‘Lincoln’ by Steven Spielberg and ‘The Year of Living Dangerously’ by Christopher Koch, has enhanced my understanding of the texts’ explored values. These values include ambition, ethics and leadership, and they, to a large extent, enhanced my knowledge as the texts offer different perspectives into different values. Ambition is a key value in both texts, and it is seen through the main protagonists Abraham Lincoln in†¦show more content†¦Both these texts have enhanced my understanding of the value of ambition to a great extent, as they highlight that through ambition we can achieve a goal, similar to in ‘Lincoln’, but it can also mean that if we are overambitious we may end up betraying others to achieve things for ourselves and this is similar to in ‘The Year of Living Dangerously’. Another key value in both texts is ethics and is seen in challenges that the protagonists face. In ‘Lincoln’, a difficult choice must be made by President Lincoln. He has the capability to end the war early with negotiations occurring with the opposition, but he also desires to pass the 13th amendment to abolish slavery. To end the war early would mean that that no further deaths happen, but, the whole reason they are fighting for, to abolish slavery, would never occur, thus, a theoretical loss. Lincoln decided that in order to end slavery, just about anything was justified. When Seward, secretary of state, tries to persuade him that â€Å"It’s either the amendment or this Confederate peace, you cannot have both.† Lincoln replies by saying â€Å"If you can look into the seeds of time, and say which grain will grow and which will not, speak then to me...†. This metaphorical response by Lincoln shows that he has considered many things and this was stil l the right way to go. Here ethics has been considered, but is disregarded to a small extent for the greater good, as itShow MoreRelatedMust All Good Managers Be Leaders?1164 Words   |  5 Pagesworthwhile to take a look into one of the contemporary and most popular approaches to leadership, the transformational leadership theory. Transformational leadership gives attention to charisma and affective components of leadership. It is a process that changes and transforms people. 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Visual Essay Management

Question: choose one or two of the following visual elements(color,texture,angle/alignment point of view, forms/shapes,ans/or value)and use of one of the rhetorical appeals(ethos,logos,pathos,and kairos)to analyze and interpret an image and then defend the students stance on the analysis of the visual image to move an audience to action. Answer: As per the angle, we can see that player is playing a sad song in context of giving tribute to someone. The people around him are sad due to his death. The death of the person seems really attached to the public and so they are really not able to understand what to do next. The imprints on the hands of the player clearly shows his attraction to the person that he has been loyally doing his duty for the same. (Eberly, 2002). The feel of logos is dominating here as the person is trying to persuade the people with his expressions and drive people with sentiments which are due to some genuine reasons. The consideration to recognise the strategy and be knowledgeable enough to presume that it is mainly for the liberty. The attempt to distinguish from the ability to measure the approach which hosts an error to defend for the cause of humanity and rise above everything. The figure tried to demonstrate the important changes which relate to direct demonstrations and authorities which are impor tant for maintaining a proper relationship. (Walker, 2005). The tears in the eyes of the people and the army man claims that the death of the person has directly affected the community and they are literally driven by their effect. They have been loyal enough to their master along with that person being so helpful and caring for them that they are scared to live without him anymore. Reference Eberly, R. A. (2002). Rhetoric and the anti-logos doughball: Teaching deliberating bodies the practices of participatory democracy.Rhetoric Public Affairs,5(2), 287-300. Walker, F. R. (2005). The rhetoric of mock trial debate: Using logos, pathos and ethos in undergraduate competition.College Student Journal,39(2), 277.

Crm Rbc Financial Case Analysis Essay Example For Students

Crm Rbc Financial Case Analysis Essay Background: The Royal Bank of Canada using CRM and customer profitability tools to gain a competitive advantage in Canadas increasingly crowded financial services market. Key Issues: RBC financial, a full service bank in Canada is facing fierce competition from leading financial institutes and new niche-market entrants after deregulation, the bank is also struggling with its 7th ranking out of 8 among financial institutions in the bank’s internal value for money study. Mr. Mclaughlin, the VP of CRM and information management have several questions in his mind – Having the real customer profitability numbers and using CRM tool, RBC know clearly about the customer preferences and needs, issue is what should RBC do with this information? †¢ How can they turn unprofitable customers into profitable ones? †¢ Is there a way to enhance the Bank’ value in the eyes of the banking public? †¢ How can they put the while picture together and make decisions that work for both the Bank and their customers? Reorganization around CRM As given in exhibit2, segmentation done based on customers life stages and complexity of their financial needs – pic] Key Grp: Low current value but many within these sub segments have potential to provide higher level of profit Growth: Still growing their assets, and have high credit and financial advisory needs. Strategy – to retain, grow and consolidate the relationship. Prime Grp: More mature customers in accumulation and preservation phases with significant potential for RBCFG offerings. Q1. What are the key elements of CRM at RBC financial Group? Initially RBC mktg team deployed a tool, the model worked as follows Customer Profitability and Potential Measurement Aggregate Information rather Actual Data For Customer Profitability measurement, the tool used personal banking data to measure the profitability that used aggregate information rather than actual data. Then using this data(of approx 8 million customer base) and distributed the profit over deciles(1/10th each). 100/20 rule Derived 100/20 rules, means 20% customers accounted for 100% profit, The model divided the customer base into three large baskets a. Basket â€Å"A† = ; customers made the most profit b. Basket â€Å"B† =; customers made some profit c. Basket â€Å"C† =; customers broke even or lost money Result: o Helped in aligning the sales force around customer profitability and planted the seeds for the new customer centric organization. o Not refined enough for advanced channel optimization or relationship pricing. o It was also found that in some instances customers were treated without consideration of potential business they can contribute. Requirement =; Most robust profitability measurement; thus a better model =; bought a software from NCR – Value Analyzer providing following benefits High Processing Power =; can take large size actual data †¢ Calculated Profitability faster =; due to its high processing power and provides †¢ More accurate spread of information †¢ Created a Better Understanding of Customers †¢ Help Determine Customer tolerance Result: Customer profitability calculations not enough as customer can be both profitable and having the potential to be profitable, bank need both kind of customers. Finally, calculated Future Profitability and Lifetime Value and segmentation is doe based on that Future Profitability and Lifetime Value ) Calculate Present Value of Profit : Assuming profitability percentile of client remains constant throughout expected lifetime, calculate the present value of those profits 2) Factor in Variables: (such as: Age, Tenure with Bank, , Number of Products Held, Probability of acquisitions(product portfolio) and Attrition of products) 3) Lifetime Value calculated individually: Can be aggregated up to Segment Level generally. Customer profitability for decision making Customer profitability is used for marketing decision making Q2. How customer profitability is used for marketing decision making? .u9a0ab3b83df53232b35502a5bb933201 , .u9a0ab3b83df53232b35502a5bb933201 .postImageUrl , .u9a0ab3b83df53232b35502a5bb933201 .centered-text-area { min-height: 80px; position: relative; } .u9a0ab3b83df53232b35502a5bb933201 , .u9a0ab3b83df53232b35502a5bb933201:hover , .u9a0ab3b83df53232b35502a5bb933201:visited , .u9a0ab3b83df53232b35502a5bb933201:active { border:0!important; } .u9a0ab3b83df53232b35502a5bb933201 .clearfix:after { content: ""; display: table; clear: both; } .u9a0ab3b83df53232b35502a5bb933201 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u9a0ab3b83df53232b35502a5bb933201:active , .u9a0ab3b83df53232b35502a5bb933201:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u9a0ab3b83df53232b35502a5bb933201 .centered-text-area { width: 100%; position: relative ; } .u9a0ab3b83df53232b35502a5bb933201 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u9a0ab3b83df53232b35502a5bb933201 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u9a0ab3b83df53232b35502a5bb933201 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u9a0ab3b83df53232b35502a5bb933201:hover .ctaButton { background-color: #34495E!important; } .u9a0ab3b83df53232b35502a5bb933201 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u9a0ab3b83df53232b35502a5bb933201 .u9a0ab3b83df53232b35502a5bb933201-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u9a0ab3b83df53232b35502a5bb933201:after { content: ""; display: block; clear: both; } READ: Effective Radio Advertising Starts with Singular Focus EssayAfter profitability and lifetime values are determined, these measures are included for determining customer decisions for Customized Marketing Campaign Customer profitability was a determinant used for segmenting and targeting, studies were done on customers’ likes, dislikes and types of products they would benefit from and models were developed to determine their propensity to buy. Establishing Service Levels RBC also determined a set of customer treatment strategies using the customer segment categories, customers category would determine the length of wait and type of customer service representative th e customer talks to. Product Design Pricing The CRM system used customer profitability and future potential calculations to give pricing parameters to account managers to determine how to price products depending on the customer. Packages vs. Fees Another use for customer profitability data was to inform in the debate over whether to change for services using a flat rate package or charge fees based on the amount and type of transaction the customer was generating with the bank. Q3. Explore alternative decisions and guidelines for Riech and McLaughlin? Calculation of future LTV and profitability: (page8, para after exhibit4) ) Assume that current profitability percentile of the customer would remain constant, throughout her projected lifetime, calculate the present value of those profits 2) Factor in other variables such as age, tenure with the bank, number of products held, probability of acquisition (likelihood of adding product to portfolio), and attrition(of products) Riech’s decision: Whethe r to give car loan to client’s niece or not? Lifetime value – the present value of the total profit a customer delivers over a lifetime of purchasing from the bank. From Exhibit6, calculating the Niece’s LTV future profitability: pic] Assuming the loan required is $15,000 for car for a tenure of 5 years, and lending interest rate is 8% which is (prime+2. 5%). Let’s say the expense on handling the loan account is 0. 5%, and the margin on prime over federal rate is 2. 5%, the profit % of bank on loan deal of prime+2. 5% will be 4. 5% (2. 5%+2. 5%-0. 5%) Lets say total nominal interest rate is 8%, the monthly EMI of $15,000 for 5 yrs = $400 (approx) Present value of profits (interest earned) by bank on car loan @4. 5%=$1,485 only However, following factors need to be considered – . customer can purchase the another product such as credit card etc. which she otherwise may not buy if loan is not given. 2. Since the client is MBA graduate and expecting to get job in an ad company of $60,000, which increases at nominal rate of 6% (real 4%, including 2% inflation), and bank earn an overall interest on the return at 4% (average of checking and savings a/c), the NPV of 45 years (assuming niece also will continue until age of 68 and current age is 23 thus 68-23 = 45 yrs) NPV = $77,943 (calculation in XL sheet) Lifetime value = $77,943 + $1,485 = $79,428 Bank if can retain this customer by focusing on maintaining the customer intimacy, bank can also sell other products in future such as mortgage on home, investment accounts, retirement a/c, line of credit, VISA similar to her aunt. Thus this customer can be high profitable in future as considering the example in Table B, and can reduce the risk of risk calculation. Thus there is a big future profit potential of this customer. The niece is a MBA graduate, she keeps the capability of starting her own business in future thus may be a useful client for bank’s business service deptt. Thus Mr. Riech should convince his manager to approve loan to her at prime+2. 5% and should convince niece to commit to purchase the credit card and depositing her annual income or salary into RBC as soon she gets the job, which can be split in signature plus checking a/c and royal money maker savings a/c McLaughlin’s Decision: Issue: Some segments having low balances in their personal accounts are having negative profitability as the services such as bill payment they are using though are very convenient for customer but very costly for banks. .ueac95bc642ec41e2d583beaace322038 , .ueac95bc642ec41e2d583beaace322038 .postImageUrl , .ueac95bc642ec41e2d583beaace322038 .centered-text-area { min-height: 80px; position: relative; } .ueac95bc642ec41e2d583beaace322038 , .ueac95bc642ec41e2d583beaace322038:hover , .ueac95bc642ec41e2d583beaace322038:visited , .ueac95bc642ec41e2d583beaace322038:active { border:0!important; } .ueac95bc642ec41e2d583beaace322038 .clearfix:after { content: ""; display: table; clear: both; } .ueac95bc642ec41e2d583beaace322038 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ueac95bc642ec41e2d583beaace322038:active , .ueac95bc642ec41e2d583beaace322038:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ueac95bc642ec41e2d583beaace322038 .centered-text-area { width: 100%; position: relative ; } .ueac95bc642ec41e2d583beaace322038 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ueac95bc642ec41e2d583beaace322038 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ueac95bc642ec41e2d583beaace322038 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ueac95bc642ec41e2d583beaace322038:hover .ctaButton { background-color: #34495E!important; } .ueac95bc642ec41e2d583beaace322038 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ueac95bc642ec41e2d583beaace322038 .ueac95bc642ec41e2d583beaace322038-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ueac95bc642ec41e2d583beaace322038:after { content: ""; display: block; clear: both; } READ: How Can Artificial Intelligence Help Us? EssayFrom Exhibit7 if we see, bill payment in all channels are very expensive except through Internet. how to optimize the channel ? | | | | | | | | | | |- | |104. 03 |365. 72 |158. 36 |97. 15 |194. 35 |983. 15 | | | |- | |- |- |14. 89 |- |- |- | | | |- | |67. 44 |90. 36 |4. 26 |- |- |- | | | |- | |9. 29 |12. 68 |4. 26 |- |- |- | | | |- | |19. 14 |17. 16 |- |- |- |- | | | |- | |32. 18 |20 |- |- |- |- | | | |0. 4 |0. 55 |3. 8 |- |- |- |- |- | | | |0. 97 |- |2. 87 |- |- |- |- |- | |Bill pmt |   |2. 26 |2. 38 |21. 36 |3. 4 |8. 39 |0. 3 |0. 18 |- | | | |0. 9 |- |2. 69 |- |8. 15 |0. 3 |0. 18 |- | | | |0. 31 |0. 54 |9. 19 |7. 18 |8. 52 |0. 3 |0. 19 |- | | | |- |- |28. 49 |47. 93 |10. 75 |- |- |- | | The suggestion came that levy the flat service packages as mentioned in Exhibit8, but RBC rating by customer is given 7th out of 8 in the survey of value for money which is most important factor for customer satisfaction. Suggestion: Thus levying the fee will aggravate the situation as this segment customer feel nickel-and-dimed. One way to manage this is that restrict these segment to use such services through channels other than internet, Encourage internet usage by providing free service and option of payment basis if they want to do bill payment (e. g. ) through other channels. For retail branch BBC can be made as flat fee option as number of transaction information is not given, this will help a one time monthly fee rather presenting a huge and complex statement of fee of each transaction, this will also save the cost of maintaining such transaction.