U.S Banking Industry Essay Example | Topics and Well Written Essays - 1500 words

U.S Banking Industry - Essay Example As the essay declares the U.S banking Industry is faced with some limitations like the 2008 global economic crisis, whose effects are still limiting the industry’s capabilities. Financial crisis as one of the major limitations in the current U.S banking industry can be defined insufficient finances to run ensure banking obligations.   It comes in different types, currency crises, implies insufficient currency in a specific region. The banking industry is obliged f to transact in different or foreign currencies which might turn out to be costly.   Bank crisis is the situation where a certain baking institution has insufficient funds to loan its customers among other banking obligations. The third type of financial crisis is the twin crisis, which is a combination of currency and bank crisis.From this paper it is clear that  the U.S central bank   through some financial agencies resolved in hiking interest rates to increase the baking industry revenue and recover some of the debts caused by the 2007 financial crisis. Several baking studies reveal that the majority of U.S citizens have resolved to alternative baking systems like companies’ cooperatives, insurance companies, asset management agencies as well as macro and micro finance institutions. Multilateral businesses have also resolved in baking in their respective countries whose interests and baking rates are still appealing.  The crisis led to closure of some banking facilities, leaving customers with few options but to crowd the remaining ones. Several regional and multinational businesses stopped or reduced their operations until the hiked banking rates goes down. This greatly compromised the banking revenue due to decrease in loan beneficiaries hence low revenues

Air Pollution Essay Example | Topics and Well Written Essays - 1750 words

Air Pollution - Essay Example This is to the extent its obliteration could extend to affecting our lives in return though in diverse ways including causing cancer. The topic highlights how depositing of varied contaminants in the atmosphere ends up altering the state of air, hence affecting humanity in diverse ways. Depositing in this case not only is it possible through human activities but also natural means like vulcanicity, which based on studies so far conducted these eruptions comprise of HFCs as well as other significant Cl2 quantities. Besides other contaminants, these two agents there severity is worse because they take long before they attain their respective inactivity stages. To date, diverse environmental scholars including scientists through their studies have relayed how varied contaminants by have increasingly yielded to current extent of air pollution. Hence, contributing to worsening of climate change evident in the way varied current incidents are unexpectedly occurring. For instance, rising of sea levels, increased temperatures as well as augmenting prevalence of skin cancer as a result of ozone layer depletion. Recent studies contend early deaths currently experienced globally that approximate to 600,000 their core causes are linked to air pollution (Copenhagen and Haifa, 2015). Hence, prompting states especially in Europe incur economic cost of about $1.6 trillion while trying to manage air pollution related maladies as well as other varied health predicaments (Copenhagen and Haifa, 2015). This is despite states and respective global authorities pushing for the implementation of effective policies known to reduce this kind of pollution. One of this policy of summit whose core intention was to reduce depositing of contaminants in the atmosphere was the today’s famed Kyoto protocol, which some of the super powers declined to append their signatures. Hence, leading to the current increasing rate of air pollution due to competition especially