Story Titled The Kidnapping English Literature Essay

Story Titled The Kidnapping English Literature Essay It was a wonderful morning. There were bees buzzing outside the yard and birds chirping while looking for food on the paths. Across the street, Old Misses Ling as usual was taking her pet, sniffles for a walk. She was a friendly old lady where everyone was fond of her and even called her an amiable person. Most of the neighbourhood will seek her to baby sit their children as she was very fond of kids. Through the window of my bedroom, I apparently could observe my neighbours mornings duties. Some people grieve in their mornings because of their boring life, same old routine and extra duties. Young children get on their buses waving goodbyes to their parents with their lunch pack in their hands. Those innocent days of mine had passed. I am a fully grown up as a 20 year old teenager in my own opinion but my mother stills call me her little sweetie. She was the only relative I have with my younger brother, Stanley after my father passed away in a car accident when I was 12 years old. I was matured enough to know that he will never come back to us again. I heard it was a homicide but the murderer was never revealed. My mother had a rough time when my dad passed away. She was very stress and uptight with her being a single parent and helping to run errands, taking care of us, and attending interrogations in the police department. We could barely make ends meet for 5 years. Now my mother got a steady job as a clerk in a lawyers firm. Busy but well paid I assumed because she never complained. We were under the familys protection programme for a year as being ordered by the chief police. He proclaimed that we might be attacked for some sort of reason. My mom found it ridiculous. Af ter years of searching my dads killer, we finally put it at rest. My mom thought it was for the best for us that we should stop howling on the past. I put on my snickers and ran downstairs. The smell of coffee and peanut butter ran across my nose. I jump a few step of stairs forward to reach the floor in my living room. My mom was holding a cup of coffee in her hands while speaking on the phone huskily. I never talked about her work at a lawyers firm because I assumed it was boring. She gave me a look while pointing to the food on the table to indicate that I should be having my breakfast. I gave a smirk because I was on a diet. As I was a cheerleader, it is essential to maintain fitness. My brother on the hand was playing with his food in his bowl of cornflakes. He was still a little boy who needs me to keep in straight but I love him. Even though he does get on my nerves, I will still care for him. I walked towards him and kissed his head and grab bits of cornflakes from his bowl and he started yelling. I enjoyed it because it gave me the sense of home. I grabbed my school bag and wave to my mom. It was 6.45am and I had to hurry of to school. Today is a big day because we are going to recruit new members for our cheerleading group. It was junior year recruitment and everyone was talking about it. It was time for us seniors to retire. I was walking beside the road paths when I remembered that I needed to wear my necklace which represents sister hood among the cheerleader members. The road was clear and it was quiet. Everyone must have gone to work by now. I digged the necklace from my bag and put it around my neck. It was 2 kilometres away from my house already. Out of a sudden, I heard a screeching sound of a car from behind. It was zooming fast behind me. It was a black mustang. Before I could avoid it, it stopped in a sudden manner and was forced into the car buy two man. I shouted but was helpless. Two of them were white and wore sporty clothes. Both of them looked like mafias. I was covered with a cloth on my mouth and I felt so weak. I tried to struggle but the chlorofoam was too intense. It seem to seep into my nostrils and mouth. It made me awfully drowsy. It was already taking reaction on my nerves and my brain. I fell to a deep sleep after smelling the chluorofoam from the cloth. All I could felt was the car moving fast forward and a tight grab from the kidnapper in the car. After two hours of deep sleep, I woke up. My heart was pumping really fast. I felt deadly cold. I knew it was probably the end of my life. I saw myself tied up to a chair. I couldnt move my body except my head. My mouth was sticked with a strong hold Sellotape. I wanted to scream but I couldnt. Tears started to run down my face. I tried to keep calm. God is all I could count on. I looked at my surroundings. It seems to be a run down garage. There were lots of car tools which I dont know their functions. I see bottles of kerosene and some car parts. Windows were high up on the ceiling. The wooden floor reeds and I was starting to panic. I heard laughs from outside the garage. It had two distinct voices. The door of the garage opened. One man in his mid 30s walked in with a cruel smile. There were scars on his lips. He was wearing white pants and black shirts with French writing. He was speaking French with his friend followed behind him. His friend was shorter and looked timid. He had bristle hair. They were speaking French, thinking that I would not understand a word. It was clear and they wanted to decide ways to torture me. I wanted to get up and escape so desperately but it was impossible. My hands were tied and it hurts. The brutal guy took a chair and sat in front of me. He looked like a savage guy who would do anything for power. He had nothing but fiery eyes. He looked at me coldly and said Nicole, we both know that you cant run till you give us the chip. We watched you and your family every single day. We knew your dad. You dont even have a single clue that killed your so called heroic dad. My face changed. The thought of my dad suddenly flashed in my mind. They must have knew something and hid away from us. I was furious and puzzled. Your dad was a brilliant guy. He invented a chip that was capable to conquer the world. It had important information of nuclear weapons which will cause massive destructions to the world. He was going to give the chip to the Alias Cooperation. We could not have that happen. We offered millions of US dollars to get the chip from your dad. He was making the wrong decision and the biggest mistake of his life. He was a fool to reject us. One day, he was driving home from work Bom! , we caught him, living him dead. He thinks he cannot get away easily, but with Zachariah around, he cannot even hide. My eyes were blurry. I was so mad that they took away my dead for a small chip. I wanted to hear no more. All those years without my dad were a total darkness to my family. I felt so sad that I hope that they will end me too because I missed my dad so much. The guy went on laughing. He gave me the feeling that my world will be haunted by him. He came near me and looked into my eyes and told me I better get the chip for them or I will share the same fate as my dad. I did know anything about the chip and I didnt know my dad could invent the chip. I told them. The timid guy grabs my neck and whispered in my ear while saying give us the chip and we will let you loose. The sellotape was taken off from my mouth and I started to scream. One of them put a knife on my throat and stuffed my mouth with a cloth. He threatened me that he will cut my throat if I made noises. In a second, another guy enters the garage. This time was a completely different guy. He is dressed all white and a golden watch on his wrist. He was escorted by two of his body guards dressed in dark suits. He seems to be the boss around here because there was completely silence. He was around his mid 50s with the wrinkles on his face and his body build. He ordered the two guys around me to stop hurting me. He sat in front of me smoking a cigar and told me to calm down. He took a phone and dialled numbers and told me to tell my mom to bring the chip over. He put the phone at my ear. When I heard my mom on the phone, she was crying and knew that I was being kidnapped by assuming that I didnt attend school. I told her to find the chip. Before I could continue my sentence, the guy took th e phone and ordered my mom to get the chip within 48 hours. Then he put down the phone. There was complete silence. His assistance seems to have fear towards him. He walked around me and gave me a devils smile. I closed my eyes and comfort myself that it is just a nightmare. The man said: This is not a dream, Nicole! You better hope your mom finds the chip within 48 hours and hand it over to us. I looked at him with disgust and told him even if we had the chip, we wont hand it to him either. He went out of the garage escorted by his two body guards. The other two guys left with him. I was left alone in the dark. Droplets of sweat ran down my head and neck. When it was midnight, it was so cold. My nose went red and felt froze. I knew I had to escape by all means. Before I find a tool to untie the ropes, I heard chaos outside the garage. There were gunshots and I heard sirens. I had a great feeling about it and relieved too. There were two policeman and rescue squad who barged into the garage with snipers and short guns. I saw the two bad kidnappers were lying on the ground with their hands up. The policeman untied me and pulled of the selotape on my mouth. A guy came in with my mom. I was puzzled because he was one of the body guards who escorted the accomplice just now. He reassured me that it was safe then. My mom hugged me and was terrified with her face expressions. She touched my face and told them everything was going to be alright. The guy beside her introduced himself as Allen. He explained that he was under cover in Zachariah association for years to mad e sure no one would lay hands on the chip and my family. He was with the Alias government. He looked at my bracelet and told me my dad put the chip in my bracelet given to me on my 8th birthday. The chip was inserting in the love heart shape attached to my bracelet. I took the bracelet and gave it to Allen. It would be better to be kept with the Alias government. He told us that the Zachariah association was a highly criminal association. They were active for years but they always get covered for their crime by corruption and murdering. They kept quiet for years after murdering my dad because it involved the US government and US military which was a serious crime. My mom was so confused and did not realised all those years my dad was a scientist in the Alias government. He was a businessman all along. Allen has finally got prove to put the Zachariah association under serious criminal punishment. He thanked us for cooperation. It was an awful day which exposed all the truth about my dad. We were sent to the hospital in an ambulans escorted by the policemen and a troop of soldiers. I needed to be admitted to the hospital for several days. Even though, I was sad about the loss of my dad, but I was proud of him serving fro the country with bravery, honesty, loyalty and integrity.

Interview: Police and Law Enforcement Essay

For your Unit 9 Interview Analysis you will conduct two interviews with practicing professionals in the field of law enforcement. These individuals may occupy positions in federal, state, county, or municipal police agencies, probation, parole, or prosecutors’ offices. It is preferable that you conduct the interviews in person, but telephone interviews will be acceptable if in-person interviews cannot be arranged. Focus on the following questions in your interviews: Why are ethics and character so important in the field of law enforcement? Do the interviewees feel that police are more ethical today, or were they more ethical ten years ago? Why do police officers become involved in misconduct? Do the interviewees feel that there is enough training offered in ethics at the police academy level? If not, why is that? Should ethics training be offered as an on-going process for law enforcement officers? Do the interviewees feel that education and/or training in ethics would reduce incidents of police corruption? Report the results of these interviews in a paper that answer the proposed questions. Apply information that has been read and discussed in class on various ethical issues to your paper to form a synthesis of practical law enforcement ideologies. Be sure to discuss with the interviewees at least four contemporary ethical issues that they are dealing with as criminal justice practitioners. Finally, offer your own insights on the perspectives of the individuals you interviewed and materials covered in the text readings and Seminar discussions. The paper will be a minimum of 10, double-spaced pages using a 12-point font. It must be in American Psychological Association (APA) format. Submit your Assignment to the Dropbox by the end of Unit 9 in the basket titled Unit 9: Interview Analysis Why are ethics and character so important in the field of law enforcement? Do the interviewees feel that police are more ethical today, or were they more ethical ten years ago? Why do police officers become involved in misconduct? Do the interviewees feel that there is  enough training offered in ethics at the police academy level? If not, why is that? Should ethics training be offered as an on-going process for law enforcement officers? Do the interviewees feel that education and/or training in ethics would reduce incidents of police corruption? Report the results of these interviews in a paper that answer the proposed questions. Apply issues read and discussed in class to your paper to form a synthesis of practical law enforcement ideologies. Finally, offer your own insights on the perspectives of the individuals you interviewed and materials covered in the text readings and seminar discussions.

The Effect Of Empagliflozin ( Jardiance ), An Inhibitor Of...

Objective To evaluate the effects of empagliflozin(JARDIANCE), an inhibitor of sodium–glucose cotransporter 2, in addition to standard care, on cardiovascular morbidity and mortality in patients with type 2 diabetes at high cardiovascular risk. Background According to the International Diabetes Federation (IDF), more than 371 million people across the globe have diabetes and this figure is predicted to rise to over 550 million by 2030. Type 2 diabetes occurs when the hormone insulin is not used effectively by the cells in your body. Insulin is needed for cells to take in glucose from the bloodstream and convert it into energy. Ineffective use of insulin results in the body becoming resistant to normal levels of insulin. When the body becomes resistant, in advanced stages, insulin secreted cells in the pancreas becomes damaged, and eventually requires exogenous insulin to maintain sufficient levels. First line treatment for diabetes mellitus is currently a combination of diet and lifestyle modifications as well as oral glycemic agents. Therapy usually starts with Metformin, but based on doctor preferences, individual patient parameters, as well as clinical trial conclusions, there are many drugs on the market that can be used alternatively, such as sulfonylureas, which are seen very often. Monitoring parameters usually include self blood glucose testing, by using glucometers as seen over the counter in pharmacies. For patients with advanced stages ofShow MoreRelatedDiabetes Is The Most Common Form Of Diabetes849 Words   |  4 PagesType 2 Diabetes is the most common form of diabetes in adults. It accounts for approximately 90%-95% of diagnosed diabetes in adults in the United States (cdc.gov, n.d.). Newly diagnose cases of diabetes tripled from 1980-2011 in the United States. It is a costly and deadly disease. Because there are many comorbidities and complications associa ted with uncontrolled diabetes, it is essential to treat diabetes effectively. Clinicians deal with this ongoing problem on a daily basis. Therefore,

Difference Between Learning And Traditional Classroom

I believe the major difference between learning in a traditional classroom versus an online environment is flexibility. In traditional classrooms, they provide a structured environment in which one learns. The student shows up at a particular time; the instructor presents the information, the student takes the information and tests to see whether he or she retained the information. (Chambers, 2016) One benefit to the traditional classroom is face to face interactions. Being in a traditional classroom setting is comfortable because that s the environment that most of us remember from childhood. Now online classes are typical for those of us who work different shifts and people with hectic lifestyles. With the flexibility of online classes, one works at his convenience. The ability to stop and continue later while not being locked into a particular time or day is beneficial to the working adult. Not having to get dressed, travel to a location, and arrive at an appropriate time takes a lot of stress off an individual that works and has children. Being able to communicate one on one with your instructor privately and online resources at your fingertips like the library are other differences. However just like everything else with benefits, there must also be some obstacles. Some challenges I see to online learning include self-discipline, new technology, and time management skills. Being able to work at your convenience is great, but if you don t, discipline yourself to doShow MoreRelatedOnline vs Traditional Education1149 Words   |  5 Pagesshould I attend an online school or go to a traditional school? There two choices when looking to obtain a college education; the choices are online education or a traditional education. Online and traditional educations have many similarities but their differences with classroom settings, classmate interaction, and the instruction methods can be difficult for many people. The most important difference of online and traditional education would be the classroom setting. Online classes are defined asRead MoreSingle Gender vs Coed Classrooms1069 Words   |  4 PagesSingle Gender vs Coed Classrooms Do you believe that single-gender elementary classrooms are better for children’s education rather than traditional coeducational classrooms, or vice versa? There are many differences in boy brains and girl brains and according to these differences; it may be potential to have different learning techniques and environments. Some schools are adopting the newer curriculum of single gender classrooms to help children achieve a better educational learning environment thatRead MoreOnline Courses A Better Way Of Learning Than A Traditional On Campus1638 Words   |  7 Pagestheir day. 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While this nurse begins to advance education in nursing, the article was interesting to read. Pedagogy or the art of teaching; education; instructional methods (dictionary.reference.com). The concept of the flipped classroom is comparableRead MoreAdvantages of Online Learning essay844 Words   |  4 PagesDav Online Learning vs. Traditional Classroom Learning Online Learning versus Traditional Classroom Learning Today, many students are faced with the decision to go to a school where they sit in a classroom and learn from a teacher face to face, or go to school online where the teacher sends out assignments through email and discussion boards. Not only do students have this decision for college, but they now have it for high schoolRead MoreEssay on Distance Learning vs. the Traditional Classroom1550 Words   |  7 PagesDistance Learning vs. the Traditional Classroom Non-traditional students are finding it easier and easier to maintain a job, a family, and pursuing a college career at the same time. This is possible because more and more non-traditional students are receiving an education using distance learning, as opposed to traditional, in-the-classroom teaching. Distance learning is basically taking college level, credit-bearing courses via the Internet. One of the most obvious advantages of distanceRead MoreOnline College vs. Traditional College819 Words   |  3 PagesOnline College versus Traditional College Elizabeth Barben ENC 1101-22 Professor Jodie Brown February 18, 2012 Online College versus Traditional College Frustrated with current career options, considering a major career change or simply having a zest for learning sparks many adults to earn their Bachelors degree. Years ago, the only way to earn a degree was within the confines of a brick and mortar classroom. Today, one can earn a degree from an institution 3000 miles away, from the comfortRead MoreEssay on Distance Learning vs. Traditional Classroom Comparative1573 Words   |  7 PagesDistance Learning vs. the Traditional Classroom Non-traditional students are finding it easier and easier to maintain a job, a family, and pursuing a college career at the same time. This is possible because more and more non-traditional students are receiving an education using distance learning, as opposed to traditional, in-the-classroom teaching. Distance learning is basically taking college level, credit-bearing courses via the Internet. One of the most obvious advantages of distance

Of Mice and Men - Lifestyle of the Average Itinerant...

Diverse Cultures - English Coursework What have you learnt about the of 1930’s, as depicted by Steinbeck in â€Å"Of Mice and Men?† The Great Depression was a worldwide economic breakdown. It was the largest and most important economic depression in modern history; it began in the United States on Black Tuesday with the Wall Street crash of October 1929 and rapidly spread worldwide. It lasted about a decade, ending in the early 1940s. Poverty stricken, life became a struggle to survive. Banks, stores, and factories were closed and left millions of people redundant and hopeless. With limited options, many men left their families and travelled a lonely road in search of work. The novel â€Å"Of Mice and Men† is a reflection of the suffering†¦show more content†¦All their material possessions could fit in a â€Å"bindle† and had to sleep outside without the protection of a warm sheltered home. The reader also learns that the men who work on the ranches are ‘the loneliest guys in the world.’ They have no family - the men had to leave them behind in search of work. They have no home – they are left to sleep like animals. They go to ranches, work, get paid then ‘blow all their stake’ on alcohol and visit cathouses. Although this may be fun, the effect of alcohol and meaningless experiences could made the men feel even more empty and alone. George and Lennie are different because they have each other. Their friendship is important because they have some one who is there for them, who cares about them unlike the other guys who could â€Å"get lynched† and no one would care. They also have a dream - the dream is important because it means that they have something to look forward to and take their mind of their current situation. Steinbeck’s description of the bunkhouse shows the harsh living conditions of itinerant workers through the strong prison imagery. The bunkhouse was very plain with ‘whitewashed walls and the floor unpainted’ it was also very cramped with eight bunks in one room much like a prison, where several men share a room. â€Å"Small, square windows† and a â€Å"solid door with a wooden latch†, the lexis â€Å"latch† suggests they were caged like prisoners. They had no proper furniture, a makeshift ‘apple box’ for a shelf to keepShow MoreRelatedOrganisational Theory230255 Words   |  922 Pagescontribute to our understanding of organizations. Professor Tomas Mà ¼llern, Jà ¶nkà ¶ping International Business School, Sweden . McAuley, Duberley and Johnson’s Organizational Theory takes you on a joyful ride through the developments of one of the great enigmas of our time – How should we understand the organization? Jan Ole Similà ¤, Assistant Professor, Nord-Trà ¸ndelag University College, Norway I really enjoyed this new text and I am sure my students will enjoy it, too. It combines rigorous theoretical

Sample Personal Statement Free Essays

Sample Personal Statement for Architecture People once asked me: â€Å"Why did you choose architecture? † I couldn’t give a simple answer for that. Maybe it was because I like painting and construction since childhood. I also earnestly yearn to create beautiful things on my own and architecture can satisfy my imagination in space, materials, and color. We will write a custom essay sample on Sample Personal Statement or any similar topic only for you Order Now My born interest in this sector is also because of my parents, who are both structural engineer and electrical engineer, influencing me gradually and unconsciously since I was a kid and giving me perceptual knowledge in the field. After my five-year study in the Department of Architecture, and one-year work experience in architectural design, I ask myself this same question. The result is that aside from the factors mentioned above, what really makes me choose architecture is its intrinsic appeal, which is just like the maxim written inside the building of the Department of Architecture: â€Å"Architecture is the combination of art and technology. † Perhaps when a person is engaged in what his keen interest blossoms, he will never feel tired, instead he would feel motivated and have an enriching experience. Five years’ academic study in the School of Architecture and Arts of University of XX transformed my instinctive excitement and imagination about architecture into systematic knowledge and comprehensive understanding. This transformation, first of all, lies in my skills in the fine arts. Differing from my previous mere interest in fine arts, the study of architecture makes me begin to ponder on how to draw using aesthetic elements from fine arts such as color, lighting and composition to apply to architecture. I was so dedicated to such brainstorming and imagination that I would always work around the clock in the studio for days on end. Secondly, the study of basic architectural courses, such as architectural structure, mechanics and materials science, makes me realize that architecture not only gives importance on aesthetics, but also on the more essential functionality and practicality. In that process, I realized that architecture is not only an art, but also more importantly a sort of technology. Five years of college study gives me a deeper comprehension of architecture, that is, architecture is also part of other cultures – it is subject to other cultures’ influence, and at the same time it influences other cultures. Because of my childhood architectural background, coupled with my lasting keen interest in architecture, I gained excellent achievements in the major courses of my college study, ranked top three in the class, and also received first prize scholarships and many other scholarships for five consecutive years. Besides, owing to my understanding of architecture, I am not satisfied with mere textbook knowledge. I believe architecture is not only a skill but also, more importantly, a combination of creativity and imagination. An excellent architecture designer needs not only solid architectural skills and knowledge, but also needs nourishment from fine arts, materials science, engineering and culture. For that purpose, I read quite extensively, understood the architectural history of different countries – especially European architectural history, learnt from works of modern and contemporary architectural masterpieces, and gained insights on their design conceptions that are full of creativity and connotation. The knowledge I have gained from these efforts heightens my interests and my desire for creation. How to cite Sample Personal Statement, Essay examples

Business Process Analysis and Improvement

Question: Describe about the Business Process Analysis and Improvement. Answer: Introduction The report talks about the commercial lending process of the financial institution named Bank of Golden Merchants (BGM). It is a local Australian financial institution that offers loans to its customers following a stipulated process. The report discusses briefly about the functioning of the company BGM. The report also throws light on the commercial process of giving loans by the company. The Bank of Golden Merchants is a famous provider of both business and personal banking services.BGM has more than 200 branches across the country. Most of its customers all across the country are highly satisfied with their services. Inspite of their successful provision of services, the company BGM faces challenges from its rival banking and public loan service provider (Cetorelli, et al., 2012). Hence the Commercial Lending Process (CLP) of providing loans to its customers needs to be carefully analysed to maintain the leading position of the company in the industry. BGMs commercial lending process of providing loans is of primary concern to the Business Banking Solutions team of the company regarding the effectiveness, timeliness and efficiency of the process. The iterative, manual paper based nature of the commercial lending process has also been an area of concern as it affects the time taken to complete the process. To do the needful the company has hired a process improvement manager of the Business Banking division, Kevin Johnson to investigate, review and analyse the present condition of the process. He would also summarize his findings and give a detailed report. The main phases involved in the process of lending loans includes application for loans by the customer, pre approval assessment of the approval, documentation of the application post approval, settlement of loans. The above phases of the process take variable amount of time to get completed (Ault Spicer,2014). Analysis of the current CLP The bank takes funds from people in low cost deposit form and makes money. Bank then gives out these funds in the form of loans to its customers at a higher interest rate. The profit of the bank is calculated as the difference between the price the bank pays for the deposits and the return amount which the bank gets in the form of loans. All loans in the bank go through a credit approval process to protect the deposits of people kept with the bank. During the process of credit approval the bank analyses and determines whether its customer can repay back the loan well on or before the scheduled time. If the bank finds that there is a chance of the customer not being able to repay back the loan well within time then the bank either restructures the loan or it denies the loan to its customer (Chen Deng, 2013). After the customer places their request for the commercial loan, there are many steps which the bank follows to finally approve the loan. A number of persons are involved in all these stages. First among these people is the sales manager who leads the team of commercial relationship managers. The team gives the decision whether the bank should continue with the loan proposal or not. The other members involved in the whole process of giving loans are the credit officer and credit analyst. The loan giving process begins with the relationship officer identifying the prospect of the loan. Then he makes further discussion with the customer and interviews him to extract more information that would be required in the loan making process. Then the relationship manager discusses the loan request with the sales manager. At this point the bank decides whether to move forward with the loan giving process. After this point comes the phase of documentation. In this phase the bank asks for the rele vant documents from the customer that would be used for evaluation during the process. The task of the credit analyst is to do the documentation and he holds discussion with the relationship manger regarding the timing of request and the structure of the loan. Then the credit analyst starts their analysis of the loan and the loan lending process moves forward (Dorado, 2013). The credit lending process involves a lot of waste that is generated during the loan lending process. Waste in a process of lending commercial loans can be defined as all those intermediate products or services provided by the bank which has no value to the customer. Waste consists of all those steps in the process of loan production for which the customer does not pay even if he is aware of that step to be present in the process (Blackwell, et al., 2015). The wastes involved in the commercial lending process of BGM can be described as follows: Over processing: even after taking interviews of the customer and talking to them regarding the loan they want the bank may not get the idea of what the customer wants. Then the bank may include return envelops for the payment of loans. The customers who pay by cheque may consider this to be a value added process whereas customers who pay by online or any other mode would consider to be a waste. Unnecessary movement of people: the movement of workers in the bank is a waste of the CLM process. The movement of workers involves people constantly moving between various computer drives and domain. The workers are often required to do a lot of keystrokes to complete a computerised task. Waiting: one of the main wastes of the loan lending process of is the delay that occurs between the different phases of the process. BGM often keeps its customers waiting for a long time before the loan gets sanctioned (Cowling Siepel, 2013). These are some of the issues which the current process of providing loans of BGM faces. These issues, along with a few others, affect the efficiency of the CLM and hamper the smooth functioning of the process. If the bank cannot do away with these wastes from the process of providing loans to its customers then it may lose some of its customers for making them wait for a long time to get their desired loans. Improvements in the current CLP BGM has a commitment mentioned in its vision statement that it would provide the best possible commercial loan lending services to its customers. But often it is seen that the bank fails to keep its promise. To provide best services to its customers, every individual member of the bank involved in the commercial lending process should be consistent and dedicated towards their service. The banks commercial lending group comprising of the loan administrators, relationships manager, credit analysts among a few others should be dedicated to provide world class service to their customers (Coulson, Sullivan, 2014). BGM can adopt certain short term as well as long term improvement plan to improve and to speed up their process of commercial loan lending. The BGM needs to set their game plan milestone in a very efficient manner so that their goals can be achieved and they can provide best services to their customers. A short term improvement plan to improve the CLP that BGM can undertake includes the development of a team for process improvement that includes members from all the groups that function in the commercial lending process. The team should set its goal in such a way so that it can deliver commercial loans in a hassle free and consistent manner well within the time frame. After forming such groups BGM has to identify any obstacles faced during this process and should talk about the service levels which the employees have to provide throughout the process to achieve the goal of the company (Calderon Chong, 2014). A long term improvement strategy which BGM can adopt to improve the CLP services is to choosing and installing a commercial loan origination solution that can provide and support strong flow of work in the banking environment. The proper loan origination solution can efficiently manage the SLAs and integrated data sharing and status of the loan lending process. The BGM should aim at providing world class service to its customers, no matter how unachievable the target may seem to be. BGM should encourage every member in the teams working in the commercial loan lending process to dedicatedly provide their service in order to hold their commitments (Davenport, 2013). Feasibility analysis Before implementing the above mentioned long term and short term improvement plans, BGM must conduct a feasibility study to ensure whether its services would benefit its customers or not. Firstly BGM should conduct a survey to get an idea of the demand for commercial loans among its customers. Secondly BGM should also gather information about the interest rates offered by its rivals. BGM should provide the highest interest rates to draw most of the customers to itself. Finally BGM should predict the profit that it can achieve implementing its revised plans (Kuratko, 2016). Conclusion The to be business model for the BGM should contain every elements present in the existing business model process. 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