Martin Luther King Essay Example | Topics and Well Written Essays - 500 words - 1

Martin Luther King - Essay Example In his Letter to Birmingham Jail Martin King has made use of narratives from various religious narrations. He tries to relate to the clergymen who have written to him criticizing him by explaining to them how he has to carry the gospel like Jesus did (University of Pennsylvania). His letter makes one feel as though they are in the middle of the situation allowing for a more in-depth connection with the situation at hand. In the letter there has been use of a definition of how nonviolent campaigns take place in a society so as to involve not only the clergy but to enlighten the people in general as to what the process truly is. Martin Luther King makes use to examples in the letter that keep the conversation simple and practical for someone who might not be too literate, which was the case with many African Americans at that time. He continues to use examples from the bible and stories of Jesus to explain his cause for doing what he did. He even goes on to use the example of what Hitler did in Germany in the name of justice against the Jews and how the moderate whites were doing something similar to the Negros by denying them their rights (Hari Sharma, 2007).

Of Mice and Men Essay Example for Free

Of Mice and Men Essay From reading Of Mice and Men sections one and two we know that George and Lennie’s relationship is a bit confusing as George mainly covers Lennie’s back. We also see that George can put Lennie down at times when George is annoyed at Lennie. Although from reading section three I can tell that their relationship is slowly becoming closer and a kinder one. Firstly, George is starting to make Lennie seem a little happier and to show him that he is not all bad at things. We can see this on page 43, line 4, ‘he’s sure of a good worker. Strong as a bull.’ This shows that George is at least trying to make Lennie feel good about himself. Another example of this can be seen again on page 43, line 11,’ he can do anything you tell him, said George. He’s a good skinner.’ This quote could mean that George really does deep down love Lennie as a friend. Secondly, the other hand George can be harsh to Lennie on the odd occasion where George is trying to be funny. A quote for this can be found on page 45, line 5,’ I wasn’t kicked in the head with no horse, was I, George? Be a darn good thing if you was, George said viciously. Save ever’ body or hell of a lot of trouble.’ We can tell from this that George tries to make himself laugh by saying bad things about Lennie. Thirdly, Lennie seems that he does not really seem to make a matter of that he is being treated badly by George sometimes. We can see this on page 43, line 7, ‘George scowled at him, and Lennie dropped his head in shame.’ This shows that he is upset by how he drops his head but doesn’t say anything back to try and defend himself. Shows that he is getting bullied by George a bit. Fourthly and finally another way their relationship builds up is how they always dream of the future and how they both want the best for each other also how they sort of know that it will be all good. I’m guessing that they will talk about the future a couple more times later on in the book. So from reading section 3 we can see that their relationship is very slowly getting better and their bond is getting tighter but George sometimes slows the relationship down, but can say good and positive things about Lennie on the odd occasion.

The Body Shop

The Body Shop The Body Shop (TBS) has developed 2500 stores in 60 countries with a range of over 1,200 products in approximately 30 years, and is the second largest cosmetic franchise in the world. After the first TBSs outlet founded in 1976, the company has experienced rapid growth and with expanding rate of 50% annually. When its stock first obtained a full listing on the London Stock Exchange, its price increased by more than 500%. In 1999, TBS was even voted as the second most trusted brand in UK by the Consumers Association. The founder, Anita Roddick had received numerous awards including Dame Commander of the British Empire for her contributions. (Roddick, Anita Lucia Overview, Personal Life, Career Details, Chronology: Anita Lucia Roddick, Social and Economic Impact). TBSs success is hard to observe from the extrinsic value but the ethical value which make the success of TBS so legendary and inspiring. Anita Roddick, founder of TBS first entered the industry by using  £4,000 to open a small stand-alone shop of natural ingredient cosmetics and skincare products. Through her early travel experience, she had seen the potential of those natural ingredients being produced as cosmetic and skincare products commercially. Due to the budget constraint, Roddick used the urine sample containers purchased from local hospital as the containers of her products. The shops walls are painted with dark green to cover the damp. To save cost on advertisement, Roddick spread aroma in front of her shop to gain attention of the patrons. The strategy pursued was a huge success and another shop was able to be opened before the first year ended. In its second year, the company started to franchise the operation and by 1984 TBS already had 138 stores while 87 of them were located outside UK. The development of the company continued to soar when it went public in 1984. At the same time, Roddick started her efforts to encourage and contribute to social and environmental problems such as campaign of issues against animal testing in cosmetic and recycling. In 1987, TBSs Trade Not Aid program started. It was aimed to help sustaining third countries people livelihood. (Roddick, Anita Lucia Overview, Personal Life, Career Details, Chronology: Anita Lucia Roddick, Social and Economic Impact) Besides, TBSs charitable activities included aiding communities close to home and various donations. Roddick was strongly persistent with her own singular vision, that business could be a force for good, and that profits could be made without compromising principles which corresponding with TBSs mission statement, To dedicate our business to the pursuit of social and environmental change. In 1990, TBS Foundation was launched to give financial support to pioneering and frontline organizations that aim to achieve progress in the areas of human and civil rights, environmental and animal protection. (TBS values campaigns) The website of TBS was launched in 1995 to keep pace with IT revolution. In 2002, Roddick stepped down as the co-chairperson of TBS In ternational PLC but remained back as non-executive director. In 2006, TBS was purchased by Loreal which is not against animal testing. This move has raised a huge controversy around the supporters of TBS, however the company clarified that it is operated independently within the Loreal Group. Until now, TBS is still the icon of ethics business for many people. These are three well-known policies that TBS taken as their core values of products: Against animal testing TBS is approved by the internationally recognized Humane Cosmetic Standard which is against conducting or commission cruel tests on animal for cosmetic ingredients and products. In 1980, animal tests were popular among cosmetics brand. Later, these numbers dropped gradually and companies bowed to public opinion and in 1999 there were none in Britain. While TBS is among one of the leading forces to object these not humane experiments, they always emphasized that they have never and will never test their cosmetic products or commission others to do it. Support community trade Most multinational corporate are just searching for cheap labour force in undeveloped countries while TBS has pioneered a program called community trade, not only about charity trade, but to achieve economic development and empowerment which provides opportunities for disadvantaged producers, especially women and indigenous people. The value chain to the advantage of producers is reconfigured, often via reducing multiple mark-up inefficiencies and cutting out exploitative middleman. TBS realized that without development of the community, any development in the community will be ineffective. (Allen R. ) As a result, the company introduces fair trade by buying the ingredients and resources they demand in the production of their products from those people with higher than market price. One of the examples is the purchase of cocoa beans from Kuapa Kokoo Company in Ghana, which is a fair trade cooperative with over 30,000 small-scale farmers. Protect our planet The 3R concept which represents reuse, recycle, refill has been utilized well in TBS. The company encourages the consumers to return the containers of their products after use to their outlets. From early 2008 onwards, 100% recycled plastic bottles and paper bags were introduced. TBS organized campaigns to raise conscious of people about the responsibility being a citizen of earth to protect the environment. Discussions Innovation and entrepreneurship are linked by a common concern for the creation of new phenomena, whether new organizations operating in increasingly competitive markets, innovation is often a condition of simple survival. For public sector organizations, ceaseless cost pressures and increasing public demands are compelling constant innovation and even new kinds of entrepreneurship. Before the company is established, European have just started to talk about green and nobodies have linked this concept with business while Corporate Social Responsibility (CSR) is still a new term to the industry. As firms are always pursuit profit maximizing target, bringing ethical values in may create a dilemma between these two objectives. However, having the reputation as the most fearless and passionate female entrepreneur in the history of cosmetic world, Anita Roddick refused to separate her strong personal sense of social responsibility from the company values. TBS has taken so much risk to brin g new concepts into the production and the marketing strategy. This strong commitment has given the company strength to gather loyal consumers who share common values. Eventually, TBS has proven the validity of CSR by showing a tremendous success. TBS saves a huge amount of money by not advertising but to put more efforts in social activities than other mainstream cosmetic brands, which gives it a same effect of publicity. It is an alternative way to generate mass publicity for the company without throwing big money to capture rosy commercial advertisement. A very good example of this is TBSs first major campaign in 1986 which is alliance with Greenpeace in UK, Save the Whale. This campaign has helped to promote the new product line of TBS which is using jojoba oil as the ingredient to substitute the whale spermaceti. In the cosmetics market that time, the business models are already standardized. TBS has focused on the business level strategy to obtain and sustain differentiation and advantage on competitors in the same industries. Not like other cosmetic brands which highly advertised the artificially created beauty and expensive ingredients, the products it offered provided no miracle effects other than cleaning and protecting. The usual finely designed bottles were also replaced with simple containers which are made from recyclable materials. The company also set up its own store while most of the cosmetics brands were locating them inside the shopping centre. TBS has highly concentrated on developing a drastically different image which is more focused on the ethical value and natural quality in it. The company has succeeded in challenging the accepted value curve of luxury cosmetics and beauty products to create one based on more ethical values. The social activism approach that taken by TBS has created a whole new group of consumer which is ethical living oriented. This is a very smart step taken by TBS, not only building customer loyalty based on distinctive ethical values, the company itself also benefits from gaining a high reputation and fame for environment friendly and contribution to the public. This unique positioning of TBS also made itself more invulnerable from price cutting wars. The company has presented such a distinct motive compared to other profit oriented corporations. Consumers choose products of TBS based on the conscience that generate naturally by their own judgments. Conclusion TBS has shown an exceptional entrepreneurship and achieved high recognition by creating a different corporate culture in its industry. Entrepreneur defines a person who is willing and capable of converting a new idea into a successful new product or service, while taking risks all along the way to get there. (Entrepreneurial Thinking: The Story Of Anita Roddick From TBS, 2009) It is a truly risky move as the company has to overcome the high uncertainty to implement such novel thing to the world, which later also created a whole new market that never existed before. When the company is founded, there is still no precedent of bundling ethical values together with cosmetic and skincare business, TBS is the first company to emerge this idea and adapt it into reality. TBS has the advantage to develop the market for natural ingredients made cosmetic and skincare products. The key branding has been so successful as the term green business and ethical shopping has already became its brand id entity. On a range of surveys, ethically sensitive consumers are no longer a small, if vocal, pressure group: rather, a third of the public now see themselves as strongly ethical.The eccentric and ethical style of the company could generate fierce loyalty. (Gerry Johnson, 2008) As these concepts like fair trade and green business is now in the mainstream in many countries with increasing levels of public awareness and multinational company involvement, TBS is able to retain the enthusiasm and commitment from their workers and generating stable growth. References Allen, R. (n.d.). Beyond timber: social, economic and cultural dimensions of non-wood forest products in Asia and the Pacific TBS experience. Retrieved December 3, 2009, from FAO Corporate Document Repository: http://www.fao.org/docrep/X5336e/x5336e0h.htm Allen, S. (n.d.). Anita Roddick Redefining Business As We Know It. Retrieved December 3, 2009, from About.com.Entrepreneurs: http://entrepreneurs.about.com/od/famousentrepreneurs/p/anitaroddick.htm Andrew Crane, D. M. (Ed.). (2007). Corporate social responsibility Vol 3 : Corporate social responsibility in global context. London: Sage. Entrepreneurial Thinking: The Story Of Anita Roddick From TBS. (2009, February 20). Retrieved December 3, 2009, from Professional Online Publishing: New Media Trends, Communication Skills, Online Marketing Robin Goods MasterNewMedia: http://www.masternewmedia.org/entrepreneurial-thinking-the-story-of-anita-roddick-from-the-body-shop/ George R. Goethals, G. S. (2004). Encyclopedia of leadership Volume 4. Sage Publications. Gerry Johnson, K. S. (2008). Exploring corporate strategy : text cases. Financial Times Prentice Hall ; Pearson Education. Joe Tidd, J. B. (2005). Managing Innovation. West Sussex: John Wiley Sons, Ltd. Maltoni, V. (2007, September 13). Innovation: Value-based Customer Service is not Lip Service. Retrieved December 3, 2009, from Fast Company: http://www.fastcompany.com/blog/fast-company-staff/fast-company-blog/innovation-value-based-customer-service-not-lip-service-0 Roddick, A. (n.d.). AnitaRoddick.com. Retrieved December 3, 2009, from About Anita Roddick: http://anitaroddick.com/aboutanita.php Roddick, Anita Lucia Overview, Personal Life, Career Details, Chronology: Anita Lucia Roddick, Social and Economic Impact. (n.d.). Retrieved December 3, 2009, from Online Encyclopedia: http://encyclopedia.jrank.org/articles/pages/6347/Roddick-Anita-Lucia.html Roy, S. (2008, September). Business as usual: A case study on TBS. Retrieved December 3, 2009, from Journal of Applied Case Research: http://www.swcrahome.org/Cases/Body_Shop.pdf Staunig, J. (n.d.). Design Driven Innovation Collection: TBS. Retrieved December 3, 2009, from Design Driven Innovation: http://www.designdriveninnovation.com/ddicases/DDI-Collection_BODYSHOP.pdf Swann, G. P. (2009). The Economics of Innovation an introduction. Cheltenham: Edward Elgar Publishing. TBS International plc Company History. (n.d.). Retrieved Dec 3, 2009, from Funding Universe: http://www.fundinguniverse.com/company-histories/The-Body-Shop-International-plc-Company-History.html TBS INTERNATIONAL PLC Values report 2009. (2009). Retrieved December 3, 2009, from TBS INTERNATIONAL PLC: http://www.thebodyshop.com/_en/_ww/values-campaigns/assets/pdf/Values_report_lowres_v2.pdf TBS values campaigns. (n.d.). Retrieved December 3, 2009, from TBS : http://www.thebodyshop.com/_en/_ww/values-campaigns/index.aspx? Vidhya Alakeson, C. S. (2004, July). Innovation for Sustainable Development. Retrieved December 3, 2009, from Forum For The Future: www.forumforthefuture.org/files/Innovationforsd.pdf

moby dick paper :: essays research papers

In the year 1891, Herman Melville, of New York City, New York, passed away, saddening a wide and diverse fan base that extended across the globe. His works can be enjoyed whether your 6 or 60, relating to everyone because his books involve real people with flaws and downfall, and basic human emotion.   Ã‚  Ã‚  Ã‚  Ã‚  Melville was an exceptional author, influenced greatly by Nathaniel Hawthorne. Hawthorne influenced Melville in such a way, it inspired him to rewrite Moby Dick, which was later inscribed to Hawthorne as a token of Melville’s admiration for his genius. The three works, Moby Dick, Billy Budd, and Benito Cyrano, all written by Herman Melville, have unique qualities and characters that all differ greatly. Although they all take place on ships at sea, you will also notice that the protagonist characters, Captain Delano, Captain Benito Cereno, Captain Ahab, and Billy Budd, appear to have very similar qualities, all of which that are entailed in every man which are strengths and weaknesses along with desire and flaws. These subtle qualities shows Melville’s signature for his distinct writing making for all these stories to be considered among the greatest works of literature. In Benito Cyrano There were two protagonists, Captain Delano and Captain Benito Cereno. Captain Delano obvious weakness may have been his behavior aboard the ship, The San Dominick. He proved to be too good-natured, and way to easily dismissing any thought of foul play. This may have also been his strength, for if he had noticed such plans to over throw the ship, he would have been easily killed.   Ã‚  Ã‚  Ã‚  Ã‚  Throughout the story, an explanation seemed to be the only thing on Captain Delano mind. He was unsure by what he saw aboard the ship and couldn’t figure out what was going on. He ordered his men to board Cereno’s ship and put a stop to the slave’s rebellion after Cereno was rescued, and also made sure that Babo and Atufal were put on trial and punished. The character of Amasa Delano, at first glance, seemed heroic, was also flawed, though it was his weakness that saved him, as many characters are in Melville’s writing. Benito Cereno, captain of the San Dominick, appears to be a weak and unstable, constantly fainting. He does not seem at all strong and seems very suspicious, but, fortunately, did not panic when approached by Captain Delano and by staying strong and maintaining his calm; playing a big role in saving both their lives.

Progressive case analysis Essay

Over decades operating in a highly competitive environment, the key strategy that makes Progressive the top three in the $165 billion US private passenger auto insurance industry is focusing on innovations and customer satisfaction. Established in 1937, from the beginning, Progressive approached the market with an innovative method by providing customers drive-in claims service and the ability to make monthly installment payments. That, on one hand, appealed more opportunities for people who could not afford paying insurance in lump sum to have their vehicles protected. Besides, it helped Progressive enter the market with competitive advantage to approach more potential customers. In 1957, by positioning the market correctly and understanding all market segments’ potential benefits that had not been realized by competitors, Progressive was willing to take risk to enter the nonstandard segment, which includes drivers with poor driving records or high risk profiles. This strategy, in turn, increased the company’s sales significantly and turned Progressive into a major brand in the insurance industry. The fierce competition of Allstate in the nonstandard market in 1985 and the approval of the Preposition 103 mandating insurance rate cuts of 20% in 1989 caused a crisis at Progressive. The company attempted to reduce cost by firing 1,300 employees. In addition, the efforts in understanding consumers’ perception and behaviors facilitated the company to launch its new strategy called Immediate Response in 1990 with the attempt to build trust in consumers. The main advantage of this strategy was that it speed claims process and increased customer satisfaction when accidents occurred. Immediate Response could be considered as one of the major improvements and transitions of Progressive that could help the company improve customer retention. Facing the intense competition, along with launching Immediate Response, in 1990, Progressive also focused on diversifying its product line by running experiment to write standard policies. The investment in training agents and changing their selling behaviors raised considerably consumers’ awareness of the company’s products in the preferred and standard segments, which consequently increased the company’s revenues significantly. In addition, the introduction of Express  Quote in 1993, which provided quotes from the top eight local competitors, turned Progressive into a full line supplier. This approach also helped the company have more chance to sell its products directly to consumers. The invention of Internet in 1995 facilitated Progressive to be the first company in the insurance industry selling its products online. This created competitive advantage for Progressive to compete when the company launched its website to help customers manage their policies as well as increase quoting and policy application processes. Progressive has never stopped innovating in its products. The application of GPS (Global Positioning Satellite) devices in 1998 t o track customers’ driving behaviors and the introduction of the new program called TripSense in 2000 helped the company implement usage based charging method. By offering discounts to drivers who got involved into these programs, the company tried to raise consumers’ awareness of the correlation between driving behaviors and risk of accidents. Customer satisfaction has always been the key metric driving Progressive’s strategy over time. In 2000, Concierge Service was launched to serve customers better in case of accidents. Instead of waiting for their damaged cars fixed, customers were now provided an instant replacement car while the repair was done. That way, Progressive could save time for customers and save storage and rental car cost for the company. Not only that, Progressive continued to introduce Total Loss Concierge service, which replaced cars that had been totaled. This strategy did not only help the company reduce turnaround time and replacing cars for profitable value but also increase customer satisfaction considerably. In the effort to diversify its product line and exploit more benefits from the current custom ers, in 2000, Progressive started offering homeowner’s policies. The purpose was to attract and retain current auto consumers who wanted to have their auto and home protected from the same insurance provider. However, the strategy confronted the problem of lacking data that help create a pricing advantage. Since 2000 until now, the company has had major changes in many different aspects such as management, company organization, information technology, human resources. Among those, it is that Glenn Renwick took over the role of Peter Lewis in the company’s executive management put the company in the harder challenge of competition. Notably, in 2006, while the insurance market was softening, the strategy to keep the price firm caused  Progressive some disadvantages. On the other hand, the fierce competition from strong competitors such as Allstate, State Farm and GEICO, whose advertising campaigns have been so aggressive that Progressive has to always keep an eye on them and keep improving. II. SWOT Analysis 1. Strengths Firstly, Progressive is among one of the top leading automobile insurers in the United States. It has a strong position in both personal automobile and commercial automobile markets. Progressive’s use of risk analysis among all automobile users has enabled it to increase the larger customer acceptance in comparison to its competitors. Secondly, progressive’s use of technology and data is excellent. Progressive was the first insurer to go online. The company invested heavily in information technology. Progressive used detail data on drivers to price its policies and could claim to be industry’s first. Progressive used website effectively to help customers get quick and information. Moreover, an online quote is helpful, easy and quick to compare prices when customers shop for home insurance without having to wait for an agent. Thirdly, Progressive had a strong distribution channel. It focused on direct sales and independent agents, which helped to expand its market share in the United States. In addition, progressive used innovative approaches to increase customer satisfaction. Total Loss Concierge level of claims service was designed to provide total auto physical damage losses. Customers could opt for a different car, and pay the difference if the value of the totaled car was less. Fourthly, Progressive has a strong and reliable workforce. Progressive has over 28,000 employees. When recruiting, company makes sure that the individuals can embrace technology and are comfortable with change. The company invests a great deal in training. Employees work in claims and are trained with skills related to Progressive careers. 2. Weaknesses: One of the weaknesses of progressive is operation expenses. Lewis’s principle â€Å"hire the best† and â€Å"pay the most† with the purpose to pay at the top end of industry pay scales for good employees’ performance can increase company’s expenses. In addition, this can create competitive pressures among the employees, which could result in negativity in the company. The other  weakness of progressive is its inability to create brand awareness. Its competitors like GEICO, State Farm and Allstate were better able to create customer awareness through advertisement campaigns. The company needs to focus on building a better brand awareness if it wants to increase its market share in the auto insurance industry. Another weakness of progressive is its failure to cope with pressure associated with competition from its competitors. Big players like, State Farm, Allstate and GEICO have created competitive pressure directly to Progressive. For example, Allstate’s low cost structure caused Progressive crisis and 1,300 employees fired Furthermore, progressive’s difficulty to smooth management transition is another weakness. When Peter Lewis stepped down as president in 2000 and Glenn Renwick took up the post, company went through some tough times. Renwick’s decision to raise insurance rate affected growth and profits adversely. 3. Opportunities Innovation has and will create great opportunities for growth. Greater innovation can bring Progressive the chance to get more unique products and services in order to meet customers’ needs better. Many innovative services such as Express Quote, Concierge Service have helped the Company to serve and satisfy clients better. Furthermore, the firm was in top CIO Magazine’s CIO-100 list in recognition of its innovative practices and products. In addition, its website usually rated as the best one, facilitates to accesses information more easily. Moreover, Internet is another area that has potential for growth. The development of Internet offers Progressive the chance to expand their business and access directly to customers. They also can market to a much broader user for relatively less price. Homeowner Insurance is another area that offers opportunity for growth for progressive. In 2000, progressive started offering homeowners policies. However, the company was unable to generate enough data to have pricing advantage so they cancelled the entire initiative in 2002. Now, with the advent of technological advancement progressive could once again explore this area to generate more revenue in the future. One other area that provides great opportunity for expansion and growth is Emerging markets. Emerging markets like China, India, Russia and Brazil are expanding at the rate of knots. Although there are various risks factors associated with doing business in these countries, there are also greater rewards that come with it. 4. Threats One of the threats Progressive faces is intense competition from its competitors. The insurance markets in the US are more and more competitive with a large number of players supplying a broad range of products and services. Progressive Corporation has to face fierce competition with these players. The three biggest rivals of the Corporation include State Farm, Allstate, and GEICO. â€Å"State Farm was number one in the personal auto insurance industry with a market share of 18% in 2006 and also the leading home insurer†. The follower is Allstate, the second largest player I both personal auto and homeowners’ industries with market shares of 11%-12% in each in 2006. Moreover, GEICO was the fourth largest personal auto insurer with a market share of 6.7% in the same year. The other threat Progressive face is changing rules and regulations. Insurance regulations vary considerably among different States of the United States. This varying regulation has great impact on the firm’s operation. For example, the Proportion 103 was passed on November 8, 1988 in California, which mandated rate cuts of 20% in 1989. Due to this Proportion, the company had to pay out $50 million to 260,000 policyholders. The benefit was seriously affected, along with the strong reduction of market share in California market. Increasing nature natural disasters is another threat that affects all insurance companies including Progressive. Natural disasters cause damage to both house and vehicle, which increases expense for the company. As predication, â€Å"major climate changes are likely to occur in the coming decades†. Therefore, insurers have a risk of facing with a trend toward higher losses due to more claims relating to natural disasters. Reduction in insurance rates and use of sophisticated data mining techniques are other threats to progressive. While insurance rates are softening, Progressive is determined to hold prices firm. This decision could make the customers get away to other insurers, whose rates are lower. â€Å"Everyone was using  sophisticated data mining techniques and focusing on better claim support†. This reduces the chance of being distinguished from other supp liers. III. Recommendations Innovation has historically proven to be a vital tool for progressive insurance. Therefore, the company should continue to put more weight on innovation. An innovation offers the company a chance to improve its products and services whereby it can gain competitive advantage over its competitors. Progressive should also invest money in advertising in order to increase customer awareness. Progressive already has a larger customer base, but if it wants to compete with the industry giants like Allstate and State Farm, it needs to invest more in advertisement to attract and engage more customers. Developing and expanding the company’s market in foreign countries is one-area progressive insurance needs to focus on if they are to reduce financial risks. Expanding the market in other countries enables progressive to maintain a stable finances in case the U.S economy goes down. Furthermore, progressive needs to work on new lines of products and services if they are to thrive in a highl y competitive industry. In addition, expanding business to other areas like providing financial services or home security systems provides Progressive Corporation with opportunity to diversify its income sources.

John Grisham - His Most Recent Releases

John Grisham - His Most Recent Releases Although  John Grisham gained popularity through legal thrillers, he has successfully branched out these past few  years. For a more up-to-date taste of his work, here is a short list of John Grishams most recent releases.   Gray Mountain Published on October 21, 2014, Gray Mountain  is about a Manhattan lawyer who spends a year in Appalachia after losing her job during the 2008 financial crisis. In the process, she learns a lot about small town culture. Eventually, she enters the courtroom for the first time in her legal career and has a  run in  with big coal that becomes dangerous. The Whistler Grishams most recent book, The Whistler was published on October 25, 2016. While judges are expected to be models of intelligence, honor, and impartiality, The Whistler tells the story of a corrupt judge who bends the law. With a plot that involves the mafia, whistleblowers, hidden identities, and danger, this book has all the ingredients to make a page-turning thriller.   Camino Island The prolific John Grisham will publish his 30th book in 2017, titled Camino Island. The story revolves around a set of handwritten F. Scott Fitzgerald manuscripts that get stolen and sold into the black market. The FBI, a secret agency, and a young writer all get involved in the investigation of these missing documents.   Fans will be excited to hear that Camino Island will be released on June 6, 2017. Dont want to wait? Check out this complete list of Grisham books  and see if you missed one of his earlier novels.