Things that will Help you through College Essay Example For Students

Things that will Help you through College Essay Numerous individuals think being an understudy is simple, however it isn't. I was one of those individuals, before I began school. Subsequent to beginning school, I understood that it was in no way like I thought it would have been. I needed to figure out how to deal with my time carefully, focus in class, be on time to each class, do things that are hardest first, and request help when required. How might I be fruitful, on the off chance that I don't do these things? Dealing with my time was the hardest for me to do. I need to keep a house clean, deal with two canines, compose letters to my better half, and discover time to contemplate. We will compose a custom paper on Things that will Help you through College explicitly for you for just $16.38 $13.9/page Request now I concluded that it was ideal to clean my home in the first part of the day, and do my concentrating toward the evening. I would take the mutts out in the middle of cleaning and considering. Before preparing for bed, I would compose my letters to my significant other. Having a calendar is better at that point attempting to pack everything in at once. Focusing and taking notes will assist me with improving evaluations. In the event that I don't do these things in class, I won't have the option to pass. It is critical to realize what to do with the goal that I do it right the first run through. For example, I have a task due by Thursday. In what manner will I realize what to do on it in the event that I was not focusing? Numerous individuals are late. I have learned since I have begun school that if I somehow happened to be late three time it considers a missing. I have just been late once, and I attempt to be on schedule. In the wake of being missing such a large number of days that influences my GPA, and I could even bomb the class. I picked up information on the work that I experience difficulty with. For instance, in math class we are relegated the odd issues. I would do a couple of the issues that I was acceptable at, and afterward do the issues that I battled with. This is on the grounds that I definitely realize how to do the simple ones. On the off chance that I experienced difficulty with the harder ones, I could request that the instructor disclose it to me. I needed to understand that I required assistance, and not be reluctant to request it. I was consistently reluctant to pose inquiries in class since I didn't need individuals to feel that I was stupid, or ridicule me. I have understood that the main imbecilic inquiry is the inquiry that isn't posed. In any case, I have learned in the wake of being in school for very nearly a month that I am by all account not the only one who needs to pose inquiries, or get a guide. Getting a guide doesn't imply that I am moronic it just implies that I need assistance. Dealing with my time is likewise significant. On the off chance that I don't deal with my time, I won't have the option to achieve such should be finished. Focusing in each class is significant as well, provided that not I won't acquire the evaluations expected to pass. I additionally attempt to be on time to class, provided that I am not how might that look while going after a position? Each time I am doled out a hard undertaking, I attempt to chip away at it a little at once and not across the board sitting. I am very much educated, since beginning school that it is alright to request help when I need it. I have to remember every one of these things since they will help me all through my school vocation.

Bettys Summer Vacation Details and Summary

Bettys Summer Vacation Details and Summary Christopher Durangs plays are notable for tending to untouchable substance in a gnawing and hilarious manner. Betty’s Summer Vacation, with itsâ talk of interbreeding, murder, mutilation, assault, â€Å"three ways,† uncovering/blazing, and the sky is the limit from there, is no special case. Durang noticed that his occasionally disrespectful way in managing these delicate themes is intended to uncover to a crowd of people exactly how far news and amusement have gone in desensitizing individuals towards subjects that should create sentiments of repulsiveness and repugnance, however which are presently are overlooked close by accounts of the most recent Hollywood outrages. He compares present day crowds to those in Ancient Rome who discovered diversion in fighter fights and sending Christians to battle lions. He composes: â€Å"But I’ve not composed a narrative, I’ve composed a play; and it’s an absurd play too, in which we are not intended to EMPATHIZE with the characters the manner in which one is intended to relate to Blanche DuBois or Willy Loman; it’s progressively like after the tales of Candide and Cunnegonde in Candide, or the characters in a Joe Orton sham, or even the characters in a 1930s screwball satire (however in fact a dim one).† It might be bumping to peruse or encounter a Durang play on the off chance that you are caught off guard for his style. Be that as it may, Durang targets â€Å"healing laughter† that originates from genuine occasions that are currently far off enough from a group of people that when depicted in a specific way can be discovered amusing. Plot Synopsis Betty is on summer excursion in a mutual investment property with her companion Trudy, Trudy’s mother Mrs. Siezmagraff, Keith, and Buck. Trudy is a garrulous young lady who grinds on Betty’s nerves. Buck is an over-sexed savage and Keith could very well be a sequential executioner with a head in a hatbox. Mrs. Siezmagraff is a mutually dependent, Auntie Mame-ish wild woman. She welcomes a vagrant, Mr. Vanislaw, to come over for the night as her date. Mr.Vanislaw is wearing a channel coat and shoes and he flashes everybody in the house and implies his penis each possibility he gets. Trudy and Betty ask Mrs. Siezmagraff to keep Mr. Vanislaw leveled out, however she will not recognize his vulgar conduct similarly as she would not recognize that her late spouse attacked Trudy. Following a night of acts, Mrs. Siezmagraff and Mr. Vanislaw go out drinking. Mrs. Siezmagraff drops on the floor and Mr. Vanislaw, distraught that his date is not, at this point ready to perform, goes looking for Trudy and assaults her. Thereafter Trudy is enraged with her mom for permitting the man into their home and requests that she accomplish something, however Mrs. Siezmagraff chooses not to see and says, â€Å"Every time I get a spouse or a sweetheart, Trudy’s constantly after them.† Trudy is goaded and gets a kitchen blade and cuts off Mr. Vanislaw’s penis. Keith then cuts off his head. During these occasions there is canned chuckling, like that of a giggle track, originating from the roof. From the outset it is inconsistent and befuddling to the characters, however in the end they become acclimated with the giggling and question why some line or activity may get a snicker while others don't. At that point the Voices in the roof begin nitpicking the characters and making demands. Those solicitations before long transform into requests. At the point when Mrs. Siezmagraff calls 911 and the dispatcher advises her to bring Keith and Trudy to the police headquarters, and Betty takes a walk, and Buck leaves to discover the towns’ simple widow, and there is nobody left for the Voices to watch, they get baffled and irate and crash through the roof and into the setting of the play. They are a three-headed beast of sorts. They have three unique characters, however share an associated body bound with wires and tubing. The Voices request that Betty and the remainder of the occupants at the mid year share put on a court show to engage them. After an Oscar commendable exhibition by Mrs. Siezmagraff in which she plays guard lawyer, damaging mother, and tragically deceased Irish house keeper, The Voices articulate Keith and Trudy blameless all things considered. In any case, The Voices won’t stop there. They need savagery and more viciousness. They need Keith to cut off more heads and Trudy to cut off more penises. At the point when Buck returns home, this is exactly what Keith and Trudy do, at the same time holding pleasantly over the grim experience. The Voices need more. They need Keith to explode the house. Betty asks to get away and figures out how to run as Keith turns on the gas oven and pulls out a match. Creation Details Setting: A decent coastline summer network - perhaps some place on the New Jersey shore. Not a stylish, chic area. Time: Summer Cast Size: This play can oblige 9 entertainers. Male Characters: 5 Female Characters: 4 Characters that could be played by either guys or females: 0 Jobs Betty is a sensible young lady. She is the most typical of the gathering of characters amassed at the mid year share. She feels compelled by her activity and her mom and is searching for a loosening up get-away at the sea shore. Trudy utilizes words as medicine. She talks long and relentlessly about everything without exception. She isn't accustomed to being tuned in to and is amazed when Betty or The Voices recognize her. She is urgent for consideration. Keith is a tranquil youngster who is hoping to be disregarded. He had a disturbed youth like Trudy’s and figured out how to adapt by cutting off people’s heads. Buck is a â€Å"lout-hunk.† He is misogynist in a naã ¯ve way. He accepts that all ladies need to be with him similarly as he needs to be with them. He likes to get off around 20 times each day and feels in torment on the off chance that he misses the mark concerning this number. Mrs. Siezmagraff is an amazing elderly person. She lives in a huge manner with self-caused blinders. She will not consider herself to be her girl as a casualty, rather deciding to see Trudy as rivalry for hell's sake/desire of awful men. Mr. Vanislaw is a forsaken who gets his jollies by presenting himself to ladies as regularly as could be expected under the circumstances. He is simple and proud in his needs and wants. The Group of Voices are involved two men and one lady. They are a cross segment of socioeconomics that TV stations survey to perceive what America finds engaging. Creation/Character Notes In the content gave by Dramatists Play Service, Inc, Christopher Durang has notes for potential executives, entertainers, and makers. He expounds on tone, character decisions, the utilization of blood and considerably more. Any theater or organization hoping to create Betty’s Summer Vacation would think that its helpful to peruse and examine these notes. Content Issues: Language, murder, viciousness, assault, inbreeding, sex

Disable CSS bundle and Authorization CSS Blocking Resources

Dnsnsights/ And see CSS bundle and Authorization CSS file is not displaying in page speed test result. Alternative Solution for Default Blogger template user If you are using default Blogger template then you can adopt a safe procedure. Though clickable CSS resources count as render blocking so we will add the CSS bundle file inside style tag. From your Blog page source click on clickable URL and all CSS bundle file will open in new tab. And copy the whole CSS script and paste it in a notepad (Dont paste the CSS code in any Rich text supported text editor like Microsoft Word). link type='text/css' rel='stylesheet' href='https://www.blogger.com/static/v1/widgets/2973171168-css_bundle_v2.css'/ link type='text/css' rel='stylesheet' href='https://www.blogger.com/dyn-css/authorization.css?targetBlogID=XXXXXXXXXXXXXXXXXzx=c438423a-a8f4-4cca-b115-1e1bcd093875'/ In case of Authorization CSS file open it in Mozila Firefox browser then it will be visible. Because in Google chrome and Opera browser Authorization CSS file often remain blank. And the finally tailor yours script like below. lt;style type=quot;text/cssquot;gt; lt;!-- /*b:skin![CDATA[*/]]/b:skin style type='text/css' [ Paste CSS bundle file code from Notepad here ] [ Paste authorization CSS file code from Notepad here ] [ Here is your all existing templates CSS code ] /style Finally save your Blogger default template and view the page source and see CSS bundle and Authorization CSS file has disabled. And your all widget is running smoothly. Now your template loading speed will increase. After applying this trick your template Layout will completely break. But dont panic it wont affect your site traffic or SEO. For any further query please feel free to leave a comment below.

Cool Gifts For College Students

HomeSurviveParentingCool Gifts For College StudentsThis page may contain affiliate links.Nov 30, 2019 Cyber Monday is over and you still haven’t checked certain college students off your gift list? No worries, the fun, practical, and even charitable things we’ve rounded up here would thrill any college kid. We hope you love the products we recommend! We may collect a share of sales from some of the links on this page. Chinook Trekker Snowshoes Snowshoeing is not only a way to get from Point A to Point B in the snow, it’s also great exercise, and great fun. Lightweight and practical, especially while trudging to class in the snow. Memory Board A board thats perfect for keeping souvenir ticket stubs, photos, and items that will surely bring a smile to any college student’s face front and center. Phillips Norelco OneBlade Face Body Trimmer and Shaver It smooth sialing for guys who use this shaver. Custom Pet Pillow The next best thing to a visit from a lovable member of the family. Electric S’mores Maker Your student can bring back some summer fun regardless of what the weatherman says is going on outside with this s’mores maker. eBags Classic Packing Cubes Make the best possible use of valuable packing space and keep everything contained. iPhone Camera Lens This closeup and wide angle lens allows you to expand your world of mobile photography. Friends: The Complete Boxed Set This quarterly subscription box features creative supplies with the intent to encourage creators in various disciplines to step away from mobile phones and computers, put pen to paper, and develop their creative vision. Basketball 3D Light When the light hits the acrylic plate, it creates a 3D effect optical illusion of a basketball. Great conversation for your sports fan. Echo Dot (3rd Gen) One of the most compact smart speakers that fits perfectly into small space. Tile Anything Finder We’re not naming names, but kids lose things†¦and The Tile makes it easier to find them. Problem solved! Philips Sonicare Rechargeable Electric Toothbrush Because dental hygiene should not be forgotten in college. Catan Board Game One of the most popular board games! The Future Is Female Bracelet Jewelry with a message for your empowered girl. SaveSave SaveSave SaveSave SaveSave SaveSaveSaveSave SaveSave SaveSaveSaveSave SaveSave SaveSaveSaveSave SaveSave SaveSave SaveSave SaveSave SaveSave SaveSave SaveSave SaveSave SaveSave SaveSave SaveSave Road2College Road2College is dedicated to providing families with trustworthy information about college admissions and paying for college. We recognize the two processes are intertwined and our goal is to educate families on all aspects of admissions and funding so they can make smarter college financial decisions. View all posts CATEGORIES College LifeGift IdeasParentingSurvive TAGS Christmas GiftsGifts For College StudentsHanukkah GiftsHoliday GiftsHoliday Gifts For College StudentsNEWER POSTThe Importance of Researching Comparing Private Student LoansOLDER POSTFSA ID: What Is It and How Do You Create One?

Design and Implementation of an E-Commerce Website

THE DESIGN AND IMPLEMENTATION OF AN E-COMMERCE SITE FOR ONLINE BOOK SALES By tefera awetahegn Project Report Submitted to the faculty of the University Graduate School in partial fulfillment of the requirements for the degree Master of Science in the Department of Computer and Information Sciences mekelle university May 2007 Committee Members: Abstract The business-to-consumer aspect of electronic commerce (e-commerce) is the most visible business use of the World Wide Web. The primary goal of an e-commerce site is to sell goods and services online. This project deals with developing an e-commerce website for Online Book Sale. It provides the user with a catalog of different books available for purchase in the store.†¦show more content†¦INTEGRATING IIS AND ASP.NET......................................................................... 28 4.5. INTEGRATING THE WEBSITE AND DATABASE....................................................... 29 5. WEB PAGE PROGRAMMING OPTIONS............................................................. 30 5.1. SERVER-SIDE PROCESSING. ................................................................................... 31 5.2. CLIENT-SIDE PROCESSING. ................................................................................... 35 6. WEB BASED APPLICATION DEVELOPMENT.................................................. 36 7. DATABASE CONNECTIVITY................................................................................ 38 7.1 ADO.NET............................................................................................................... 38 7.2 CONNECTING ASP.NET APPLICATION TO A DATABASE....................................... 45 8. THE SHOPPING CART APPLICATION .............................................................. 46 8.1. SEARCH FOR BOOKS .............................................................................................. 48 8.2. REGISTRATION....................................................................................................... 49 8.3. USER DETAILS ....................................................................................................... 50 8.4. SHOPPING CARTShow MoreRelatedE-Commerce Strategies for a Local Independently Owned and Operated Restaurant792 Words   |  3 Pagese-Commerce Strategies for a Local Independently Owned and Operated Restaurant What Internet business model would be appropriate for the company to follow in creating a Web site and why? The best possible Internet business model for the local restaurant Kenos would be multichannel retailing and new customer acquisition through event marketing, couponing and pervasive use of social media to promote special events. 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The Various Types Of Research Methodology Finance Essay - Free Essay Example

Sample details Pages: 12 Words: 3747 Downloads: 3 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? 3.1 Introduction to research methodology: Types and forms of research philosophy. The different methods for designing the research that we can use for the purpose of evaluating any topic. Illustration of methods used for data collection in terms of their content and other features. The quality of the research is an important element, thus it will be mentioned, including a discussion regarding analysis instruments, finishing with an indication of the researchs limitations. 3.2 Research philosophy: Research philosophy is considered to be an important element for many researchers; this philosophy relies on the methods that can be applied to create knowledge by the researcher. However, there are two types of the methods to perceive the philosophy used in research: ontology and epistemology. Each method has a different effect on the research function (Johnson and Duberley, 2000) Don’t waste time! Our writers will create an original "The Various Types Of Research Methodology Finance Essay" essay for you Create order 3.2.1 Epistemology: Epistemology is the part of the philosophy that agrees with questions, which can be useful to make the knowledge acceptable in a particular field. The main interest in epistemology is the possibility of following a specific set of procedures and rules of natural science when interested in dealing with the social world. There are three positions of epistemology and natural sciences that can be present to deal with the knowledge: positivism, interpretivism and realism (Johnson and Duberley, 2000). 3.2.1.1 Positivism: According to Creswell (2003), positivism is one of the most important parts to researchers and it includes the introduction of the most valuable theories in relation to the research subject. Furthermore, the researcher will determine the methods that will be used to collect the data, which will be useful to enforce the theories. 3.2.1.2 Interpretivism: According to Saunders, Lewis and Thornhill, 2007, interpretivism is considered a useful method to help the researcher understand the perceptions and behaviour of human beings. 3.2.1.3 Realism: Realism is considered an epistemological stance related to scientific investigation; it looks like positivism in its assumption that the scientific way is best for improving knowledge to use the social sciences of the similar type of data gathering and interpretation (Saunders, Lewis and Thornhill, 2007). The importance of realism is that the presence of objects in reality is independent from human thinking. The two main types of the realism are: Critical realism. Experimental realism. 3.2.2 Ontology: Ontology is a part of philosophy that deals with all topics regarding the domain of the nature of social structures. The important interest is to decide if social constructs are objective, or result from perspectives and works of people (constructivism) (Gill and John, 2010) 3.3 Research approaches Two research methods are available and both were used to understand this research, these are the deductive and inductive methods (Bryman and Bell, 2003). The deductive method is used to illustrate how the research is in relation to theory; this is done by the researcher who deduces assumptions on the basis of what he knows in a specific domain, and the theoretical interest in relation to that domain, then these assumptions go through empirical investigation. The assumptions consist of perceptions that need interpretation based on research structures. To build social structures, social scientists have to decide the way to gather data in relation to the perspectives that formulate the assumptions. The other way of understanding is inductive, which states that the theory is the output of the research. This means the presence of observations regarding specific phenomena; from observations the researcher is able to make his conclusions. The deduction method implements some of t he induction components and the researcher should collect the necessary data to conduct the theoretical reaction; it is likely that he will need more data to generate the case in which the theory may or may not hold (Bryman and Bell, 2003). In order to introduce research that includes useful information, it must answer questions and meet objectives, and there must be an explanation about how these objectives were established or descriptive answers; the researcher may have more than one objective at the same time (Saunders, Lewis and Thornhill, 2007). 3.4 Research strategies: Qualitative and quantitative strategies are considered to be the main two categories of strategy, which could use in the business research. Researchers attempt to use these strategies to decide the relevant technique to use in the procedure of data collection and analysis. A quantitative strategy is one that uses numerical data, like those obtained from the questionnaire technique, or from graphs, while the qualitative strategy uses non-numerical data, like those from interviews, pictures and video clips. According to the objectives of this study, the researcher is going to use the qualitative strategy (Thomas, 2004). 3.5 Different research designs: Research design illustrates the structure for data collection and analysis (Bryman and Bell, 2003); there are five types of research design considered to be useful in many types of research, as follows: 3.5.1 Cross-sectional design: Cross-sectional design is often regarded as a social survey. It collects data on several cases, because the researcher may face variation in many variables, and he needs a greater number of participants in his sample (Burns and Robert B, 2008) 3.5.2 Comparative design: Comparative design is applied to two or more cases in order to accomplish better understanding, because of the comparative nature of the research. This type of strategy can use the collection of qualitative or quantitative data (Bryman and Bell, 2003). 3.5.3 Experimental design: This type of strategy is commonly used when the research aims to evaluate social subjects. This strategy depends on both dependent and independent variables (Burns and Robert B, 2008). However, to apply this strategy, there are facts that should be taken in consideration, such as: The relevant theory should be used. Explaining any sample related with the theory. Explaining any modifications or changes in evaluating the plan and the variables. 3.5.4 Case study design: This type of strategy is related to the place, location, country, organization, people or firm the research is concerned with. It is characterized by extensive investigations regarding the nature of the studys question. However, the result of case studies is often more about understanding the research environment (Bougie, 2010). This strategy is the most relevant strategy to this type of research, because this type of research will answer the designed questions, and it will meet the researchs objectives. A case study will be applied to the banks; it will start by explaining the Islamic banks philosophy and showing the main differentiation between the conventional and the Islamic banking systems. In addition, there will be a comparison between the Islamic and the commercial banks by determine the financial performance in conventional and the Islamic banking systems over the period of study using statistical and financial methods. Furthermore, this research will conduct a compa rison between the two systems of banks during the recent global financial crisis and between the methods they used to encounter or to avoid the impact of the crisis. This comparison will be about reducing the risk that in relation with the financial crisis to determine and apply the most effective system during the period of the study. 3.5.5 Longitudinal design: Researchers apply this type of research design to monitor any possible change in the researchs subject over time; it is used to lengthen the survey research period (Bougie, 2010). 3.6 Researchs quality: The quality of the research comprises four basic features: Validity. Reliability. Generalization. Transparency. 3.6.1 Researchs validity: According to Hair (2007), a researchs validity depends on the following factors: Instrumentation. History. Testing. Ambiguity relating to the direction of the study. Maturation. Morality. According to this type of research, the first four factors are not related to this study, and maturation has little impact on the research; accordingly, this study uses secondary data that comes from different resources. 3.6.2 Researchs reliability: The research reliability indicates an assurance of the results through testing the results that emerge from the analysis (Quinton and Smallbone, 2006). Therefore, there are four threats that might occur to the reliability, they are: Bias from the participants. Participants bias. Observer bias. Observer error. Accordingly, these research only observer error and observer biases are relevant to the study because there are no interviews in this research. 3.6.3 Generalization: In quantitative research, the researcher understands that his results may only be usable for that particular research environment and scope. They could be used as a basis and could even be applied in different research. Accordingly, the researcher works to generate a sample that will represent a greater population in order to generalize the results (Quinton and Smallbone, 2006). 3.6.4 Transparent: The results of the data analysis and the conclusion of this research will illustrate to the reader how the work has been conducted, as well as the relation between data analysis and the conclusion. 3.9 Data collection methods: The researcher is going to use secondary data In order to answer the research questions and cover the main objectives of this research. The secondary data may include articles, books, annual reports, newspapers, published journal and raw data. However, the research aims to analyse and evaluate the financial performance and the financial stability of the top ten commercial and the top ten Islamic banks. Consequently, the researcher will use the financial information of these banks, and this financial information was issued in the form of financial statements in the annual reports of the banks; accordingly the researcher will use the secondary data from the websites of these banks to obtain the financial statements. The other reasons for selecting only secondary data are that the researcher does not have access to any bank, the sample banks are in different countries in the world and there is limited time to conduct the research. 3.9.1 Secondary data: It is possible to collect both qualitative and quantitative secondary data, which can be employed in an explanatory way in descriptive research. There are three subgroups of secondary data: documentary, survey-based and data obtained from many sources (Saunders, Lewis and Thornhill, 2007). 3.9.2The secondary data for this research: The focus on secondary data collection for the Islamic and commercial banks was the annual reports of the banks, recent articles and journals through the following. The annual reports were issued by the banks, and the financial reports from websites such as the Financial Times, BBS and Congressional. The literature review includes the journals that are related to the Islamic and commercial banks from Science Direct, EBSCO, Journal of Banking and Finance, Journal of Islamic Economics and Finance, Journal of Finance, Journal of Islamic Economics, Banking and Finance, and Electronic Journal of Social Sciences. The literature review includes the most recent published journals and articles that are related to the financial crisis from Science Direct, EBSCO, Journal of Risk Management in Financial Institutions, Journal of Financial Quantitative Analysis, International Journal of Monetary Economics and Finance, and International Journal of Political Economy. 3.10 The method applied in the analysis: The researcher will evaluate the financial performance and stability of the top ten commercial banks and the top ten Islamic banks by using the financial ratio analysis, horizontal analysis and Statistical Package for Social Sciences (SPSS). There are several financial ratios that could be used to determine the financial performance and stability of the banks in order to obtain obvious views about the financial position of these banks. However, since this study is dealing with the analysis of twenty banks in eleven different countries, and as a result of the difference in the countries, also different laws and financial legislation, there appears significant differences in the nature of the financial statements issued; this led the researcher to restrict the selection of the financial ratios to those that are compatible with the financial statements of these twenty banks. Therefore, the researcher will select the financial ratios that they share with each other by using the main items in the balance sheets and income statements; in the other words, the commercial and Islamic banks share the following in their financial statements: Total assets. Total liabilities. Total equity. Total revenue. Net profits. Earnings per share. Accordingly, the researcher adopted these fundamental items in the financial statements in order to determine the best financial ratios to achieve the objectives of this study; therefore the researcher will use the following six financial ratios: Net profit margin (NPM). Return on equity (ROE). Return on assets (ROA). Assets turnover ratio. Gearing ratio. Earnings per share. 3.10.1 Financial ratios analysis The ratio is a simple expression of a number relative to another number; in order for the ratios to be considered as meaningful indexes, there should be a clear and specific relation between the two numbers used in calculating each ratio. More often there is a need calls to search and test the nature of the information, or the basic numbers used in calculating the ratio, in order to explain and understand the full meaning of this relation; the ratio by itself may not mean much unless it is compared with other ratios in a different year or with the industry standard ratios (Walsh, 2003). Generally, it is possible to divide the financial ratios into four basic categories as follows. Profitability ratios: A set of financial ratios that connect profits with sales to express the extent of sales ability to generate profits and the ability of banks to use their equity and assets to generate profits Net profit margin (NPM): This ratio is used to determine the extent to which the firm has the ability to encounter the difficult situations that may emerge either from declines in the products market price or because of a rise in the products manufacturing expenditures. In addition, this ratio can be used to measure whether there is a decline in the sales volume and to measure the net profit volume attained after the interests and taxes per dollar from the revenues. Finally, a higher ratio indicates that the firm is more profitable and has a better control over its costs (variable, operating and financial costs) compared with the other competing firms (Melville, 2008). Return on equity: (ROE): Also called return on net worth, this is used to measure the volume of the achieved profit as a percentage of the common shareholders equity. Thus it is the average of the net profit that the investors achieve from investing their money, as a return on their risk. This ratio indicates the managements competence in operating the shareholders funds (Melville, 2008). Return on assets (ROA): This ratio is considered an index to measure the extent of the firms profitability relative to its total assets. In addition, it measures the management efficiency in using the assets to generate the profits (called return on investment) and it greatly depends on the type of industry and the volume of assets used in production. Accordingly, this ratio is used to compare between firms within the same sector to know the volume of profits resulting from investing in assets (Melville, 2008). 2) Efficiency or activity ratios: These ratios are used to evaluate the extent to which the firms management is successful in managing the assets in order to generate revenue, which is considered the basic source of profit. Assets turnover ratio This ratio is considered one of the most important ratios to measure efficiency. This ratio measures the extent of the ability of the banks to use their assets to generate revenue, and it shows the range of generating revenue from each dollar of assets (Mckenzie, 2010). 3) Capital structure ratios: These ratios are called solvency ratios and are considered instruments to evaluate the extent of the firms ability to pay its long-term obligations; they also measure the extent of the success of the financing policy used in the firm and, in balancing between external and internal financing resources, the reflections of its policy on financial leverage risk. The most important ratios that can be used in this field are the following: Gearing ratio The assets of the bank can be funded in two ways: Liabilities (borrowing) Equity (retained earnings + capital share) When the banks require the financing of new assets, they make financing decisions based on the costs and risks; borrowing is considered less costly than equity but equity is considered less risky than financing through borrowing. Accordingly, the importance of studying the gearing ratio appears to determine the financial risks that the banks encounter (Mckenzie, 2010). This ratio was measured based on the ratio of the total liabilities to the total assets. 4) Market ratios: These ratios help the shares analysts in performing their tasks when evaluating the firms performance; they also help the present and prospective investors dealing with and working in the financial markets to know the attitudes of the stock market prices. The most important ratios used in this field are the following: Earnings per share (EPS) According to the international accounting principle 33, the net profit or net loss for the period for the common stock holders is the net profit or loss after deducting the sum of the profits for the holders of the preferred shares, and all the recognized items of the revenues and expenditures during the period, including the taxes and expenditures, the unusual items and minority equity, mentioned in determining the net profit or loss for the period. Accordingly, this ratio illustrates the banks ability to generate net profits to the shareholders per share; furthermore, many of the investors depend on it in their investment decisions because it is an important index regarding the banks financial performance (Mckenzie, 2010). 3.10.2 Horizontal analysis: Horizontal analysis is an essential method used to determine the fluctuations in the total assets, equity, liabilities, net profit and revenue of the banks over a period of time, and to illustrate the strengths and weaknesses of the banks (Elliott, 2009). 3.10.3 SPSS Statistical Software Program : SPSS is a computer program for statistical analysis introduced in 1968 by Norman H. Nie; it is used to evaluate variables in relation to government, bank, marketing organizations and Survey Companys researches, to determine whether the variables are input or output. SPSS can be used for the purpose of analysing data management and documentation and for other types of analysis, such as descriptive analysis, prediction numerical outcomes, predictions for identifying groups and vicariate statistics. In this paper, the researcher will estimate the mean and standard deviation for financial ratios during the period of study (2005-2009) to outline the results of the financial ratios. In addition, the researcher will calculate the mean and the average of the standard deviations in order to give a clear understanding regarding the financial position of the Islamic and commercial financial systems (Burns and Robert B, 2008). 3.11 Limitations of the research 1. The differences in the currencies between the banks and the countries. 2. The differences in the financial standards adopted in the issuance of financial statements. 3. The differences in the financial transactions of both systems, which leads to differences in their financial policies. 4. There are huge differences in the total assets, liabilities and equity for both systems, which impact on the comparative analysis of both systems. Chapter Five THE CONCLUSION This study aims to evaluate the financial performance and stability of the top ten Islamic and the top ten commercial banks during the period 2005-2009. In addition, it attempts to determine the impact of the global financial crisis on the both systems in order to explore which is the most efficient system. The study began with an explanation of the importance of the banking system, the services offered by Islamic and commercial banks and the difference between Islamic and commercial banks in order to meet the first objective. In the literature review, the researcher discussed Islamic banking transactions, the principles of the Islamic banking system and some previous studies which have examined the financial performance, efficiency and stability of both systems in different regions. In the analysis chapter, the researcher employed six financial ratios and the horizontal analysis to determine the financial performance and stability of both systems in order to meet the seco nd and third objectives, and to determine the impact of the current financial crisis on the two systems and determine which system was more efficient in facing the financial crisis in order to meet the fourth objective. Then the researcher used the statistical program known as SPSS to summarize the financial results of the financial ratios. The results of the financial ratios and statistical program (SPSS) indicate that the financial performance of the top ten Islamic banks was better than the financial performance of the top ten commercial banks during the period of study. The financial crisis affected both systems. However, the financial performance of the commercial banks declined strongly compared to the financial performance of the Islamic banks. However, in 2009, the effect of the financial crisis continued on the Islamic banks, while the commercial banking system improved its financial performance. However, the performance of Islamic banks remained better than the comme rcial banks. Accordingly, we reject both null hypotheses and accept both alternative hypotheses. 5.2 Recommendations 1. To create a market for short-term borrowing between Islamic banks, which would assist in managing their liquidity, just like a market where commercial banks borrow from each other (such as the London Interbank market, which deals with LIBOR interest from one day to five years). 2. To apply hedging policies in investment portfolios of Islamic banks based on the geographical distribution of the financial risk, and interest from the distribution of risks appears when a collapse of financial markets has not been affected by other financial markets in different countries. 3. To develop asset, liability and liquidity management in both Islamic and commercial banks, which would contribute to reducing the impact of the financial crisis on both systems. 4. To increase Islamic bank branches in non-Muslim countries, such as America and European countries, due to the existence of a large number of Muslim communities, in addition to the interest that appears from the distribution of income in different geographic areas. In contrast, there will appear a fluctuation in the exchange rates of foreign currency risks. 5. To improve the financial services for their customers in both systems in order to increase customer loyalty to these banks, which would contribute to reducing the phenomenon of a sudden rush of withdrawals by the depositors. 6. To improve the quality of the financial investments in both systems, particularly in the commercial banks, for instance, investments in the financial derivatives, such as CDS (credit default swap), which was one of the most important reasons for the current financial crisis. 7. To apply a mergers and acquisitions policy (MA) between the banks in order to increase the strength of banks in the face of potential risks. 8. Commercial banks should carefully study the Islamic banking system in order to take positive things from it, and Islamic banks should carefully study the commercial banking system to take positive t hings. 9. To establish an international Islamic bank and international financial market and support existing regional Islamic markets.

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