Bonnie & Clyde Film Analysis

The 1967 film Bonnie and Clyde took many liberties with the infamous couple's true story. It is to be expected coming from Hollywood but is nevertheless disappointing if you're looking for accuracy and fact. From their meeting all the way to their death scene the film is riddled with inaccuracies and half-truths. In the life accounts of Bonnie and Clyde, the couple met at a friends house, becoming inseparable. In the film, a cocky and arrogant Clyde is creeping around outside of Bonnie's house, casing out her mothers car to steal.Bonnie catches him and goes with him to town and watches him rob a grocery store before jumping into the car to escape and molesting him as they speed away. After watching the documentary, the first few scenes in the film seem overly forced and unbelievable. I'm sure that was all added for dramatic effect and to garner interest in their story, however it seems to me that instead of stealing out of necessity and frustration as Clyde had started out, the film seems to show him acting out of pleasure.The film skips completely around Clydes Back story and the reasons why he is robbing in the first place. They don't seem to take much account of his criminal past and prison time except to mention him cutting off his toes twice. The film also would lead you to believe that Bonnie is slutty and wild in nature, someone who is always craving more out of life and can only find it by running around with Clyde shooting people. I think in the effort to make this film seem exciting and grand the producers left out the important information about how Bonnie and Clydes relationship really grew.They left out the mention of all of the love letters the couple exchanged that undoubtedly deepened and pushed their love for each other along in life. As a matter of fact they didn't show or allude to any separation of the couple at all in the film. While the film did stray and change their story, they did ad some interesting imagery leading up to and during the death scene. In Bonnie's poem about her and Clyde she uses the line â€Å"If they try to act like citizens and rent them a nice little flat, about the third night they‘re invited to fight by a sub-guns rat-tat-tat†.In an ironic twist the producers end the movie with the couple being killed while trying to do a normal good citizen type deed. It is after Clyde stops to help W. D’s father with his tire that the couple is killed in a hail of gunfire. The editing in the death scene also shows a flock of birds being startled from the tree row right before the gunfire starts. You see the birds take off and watch as Bonnie looks to the birds and trees, and can see the recognition on her face that something is very wrong.In her poem Bonnie also mentions pigeons along with spotters and rats, in reference to police or â€Å"the law†. Fitting then that the pigeons take off from the trees that the cops themselves are hiding in, making Bonnie and Clyde aware that somet hing is about to happen. One of the central themes that you can follow in the film and in Bonnie and Clyde's real lives is the idea of family. You can see that Bonnie and Clyde kept a tight knit group in the film and in life. Clyde taking on a father figure to Bonnie as well as a lover of sorts.Clyde's brother Buck was his literal brother and also seemed to act brotherly toward the group as a whole, He helped them along and offered encouragement. His wife Blanche was the motherly conscious of the group, trying to get them to stop and act right. W. D. In the film was a composite of several characters, acting as kind of a slow little brother at times and also filling the role of some of Clyde's prison buddies. The film portrayed W. D. As someone who blindly followed Bonnie and Clyde, admiring and emulating them in an effort to impress them and make himself a needed member of the group.Bonnie and Blanche did not get along, but Bonnie went so far as to take on a motherly role to Blanche as well in the film, comforting her and in one scene, caring for the wounds to Blanches eyes, It is also hinted at in the film that W. D. Had a crush on Bonnie or thought to impress her in some way. Also noticeable is how the group really does need each other, They each fill a familial role and are always looking out for each other during their gun battles with the police. It is seen many times in the fact that they are constantly slowing down the car to let one of the group jump in as they escape.In many of the car scenes you can see them holding onto each other, tending to their various wounds. In one scene in particular you can witness the love that both W. D. And Clyde both share for Bonnie as she is hit by gunfire and laying out in a field. W. D. And Clyde both appear distraught and steal a car before carefully picking Bonnie up and taking her away. This leads to W. D. Taking the couple to his fathers home and insisting on their care, When his father insults the pair in conver sation with W. D.And criticizes his son for a large chest tattoo he has gotten, the producers make a big deal to show how indignant W. D. Gets about it, stating that Bonnie thinks the tattoo is great and then defends his friends to his father. The last bit of difference between real and film that didn't go over well with me was how the film depicted the death scene. It is made very apparent in life and in the film that Bonnie and Clyde desperately needed each other emotionally in a very real way. Throughout their time together from words and actions it is made plain that they love each other very deeply.It is also simple fact that they did indeed die together side by side in the car. In the real photos you can see Clyde in the drivers seat slumped over and riddled with bullets. Bonnie physically rests against him on his right shoulder in death, the two are physically touching in their final moments. The film took that away from them, depicting Bonnie as dangling upside down out of t he car while her lover is outside of the car laying face down in the dirt. Overall, I think this was one of the biggest differences between the film and life that should not have been altered.

“Outsiders”: Compare Contrast Movie to Book Essay

My view on things has changed a lot since I read this book. A movie, a death, a church and friendship, â€Å"The Outsiders† has it all. A story of brotherhood, friendship, and of a murder, a boy and his friend are caught in a murder, they have to escape form getting caught by the police, and so they run away, starting their journey of friendship and hardships. After reading the novel and watching the movie I noticed some differences, I’ll start with Ponyboy, in the novel pony boy is slapped by his brother, but in the movie, he is pushed, I think the actors couldn’t fake the slap or wanted to harm the actors, this difference wasn’t very good it took away some of the drama. Another difference is that in the movie it ends shortly after Dally’s death and in the novel a lot happens after that; this was a very bad change to the film, like pony boy breaking the glass was definitely a point that made the novel more enjoyable. One similarity in the book and novel is that in both he cuts his hair and dyes it blonde. Johnny also had some differences in the novel and in the film in the novel Johnny is jumped and has a large scar across his cheek; in the movie it isn’t very noticeable. This difference is good because it would attract a lot of attention instead of the viewer focusing on other things. In the movie and novel he has his jean jacket that he wears throughout much of the movie. There is also Dally still has his outlaw look of his troublemaker self, this was very important the book and movie. Also in the book he robs a drugstore, but in the movie he takes a book and rips it up then scares the cashier then runs away, this was an okay change, it did not make a lot of difference, maybe the director thought it would stir up some more action. Some events also had their differences, in one of the church scenes; Ponyboy and Johnny try to catch a rabbit in the film version, in the novel version there was no bunny catching. The movie might have needed something more, besides the boring ordinary church scenes. This change was good because it added some humor. During the rumble scene in the novel, they use weapons in the fight, but in the movie, it showed no one using a weapon, perhaps the director wanted to depict it as a more of a fair fight, to make the victorious win more enjoyable without the cheating. This change was difficult to decide whether it was good or bad it was a neutral change for me. During the hospital scene where Ponyboy meets with Darry and Sodapop, in the novel it was a very emotional moment, complete with tears, but in the movie, it was just a very brotherly hug it took away the emotion, perhaps the actors could not cry on command. The Outsiders was a book about three brothers fighting to stay together as a family and not go into orphanage. A Story of Brotherhood, about sticking together through good and bad, Ponyboy Curtis and Johnny Cade, two friends that made it through. After reading the book and the movie, this has been a very exiting adventure for me and for many others. Remember to Stay Gold!

Biography of Georges Seurat, Father of Pointillism

Georges Seurat (December 2, 1859 – March 29, 1891) was a French painter of the post-impressionist era. He’s best known for developing the techniques of pointillism and chromoluminarism, and one of his iconic paintings was instrumental in ushering in the era of Neo-Impressionism. Fast Facts: Georges Seurat Full Name:  Georges-Pierre SeuratOccupation: ArtistKnown For: Creating the techniques of pointillism and chromoluminarism, with scenes emphasizing smooth lines and colors blended by visual observation, not mixed pigmentsBorn: December 2, 1859 in Paris, FranceDied: March 29, 1891 in Paris, FrancePartner: Madeleine Knobloch (1868-1903)Children: Pierre-Georges (1890-1891), unnamed child (died at birth, 1891)Notable Works:  Bathers at Asnià ¨res, A Sunday Afternoon on the Island of La Grande Jatte, The Channel of Gravelines, Petit Fort Philippe Early Life Georges Seurat was the third and youngest child of Antoine Chrysostome Seurat and Ernestine Seurat (nà ©e Faivre). The couple already had a son, Émile Augustin, and a daughter, Marie-Berthe. Thanks to Antoine’s success in property speculation, the family enjoyed considerable wealth. Antoine lived separately from his family, visiting them weekly rather than living under the same roof. Georges Seurat began studying art early; his first studies occurred at the École Municipale de Sculpture et Dessin, an art academy run by the sculptor Justin Lequien near the Seurat family’s home in Paris. In 1878, he moved to the École des Beaux-Arts, where his studies followed the typical courses of the time, focusing on copying and drawing from existing works. He finished his artistic training in 1879 and left for a year of military service. Early Career and Innovation When he returned from his military service, Seurat shared a studio with his friend and fellow artist Edmond Aman-Jean, where he worked to master the art of monochrome drawing. In 1883, he had his first work exhibited: a crayon drawing of Aman-Jean. The same year, he spent most of his time working on his first major painting, Bathers at Asnià ¨res. Final Study for Bathers at Asnieres by Georges Seurat. Francis G. Mayer / Getty Images Although Bathers at Asnià ¨res had some impressionistic influences, specifically in its use of light and color, it broke from that tradition with its textures and outlined figures. His process also departed from impressionism, as he sketched out several drafts of the piece before actually starting to work on the final canvas itself. The painting was rejected by the Paris Salon; instead, Seurat showed it in May 1884 at the Groupe des Artistes Indà ©pendants. Among that society, he met and befriended several other artists. However, the society’s disorganization soon frustrated Seurat and some of his friends, and together, they split from the Indà ©pendants to create a new artists’ society of their own, called the Socià ©tà © des Artistes Indà ©pendants. Georges Seurat was heavily influenced by contemporary ideas about color theory, which he tried to apply to his own works. He subscribed to the idea of a scientific approach to painting with color: that there was a natural law to the way colors worked together to evoke emotion in art, similar to how musical tones worked together in harmony or dissonance. Seurat believed that he could create a new artistic â€Å"language† using perception, color, and lines. He called this theoretical visual language â€Å"chromoluminarism;† today, it’s included under the term divisionism, referring to how the technique requires the eye to combine adjacent colors, rather than the artist mixing pigments before painting. Family Life and Famous Work Right on the heels of the debut of Bathers at Asnià ¨res, Seurat began work on his next piece, which would come to be his most famous and enduring legacy. A Sunday Afternoon on the Island of La Grande Jatte depicts members of different social classes all spending a leisure afternoon at a park on the waterfront of the Seine in Paris. Sunday on the Island of la Grande Jatte by Georges Seurat. To create the painting, Seurat used his color and pointillism techniques, using tiny dots of individual colors overlapping and adjacent to each other so that they would be â€Å"blended† by viewers’ eyes, rather than mixing the paints themselves. He also prepared for the painting by spending significant time at the park he depicted, sketching his surroundings. The resulting painting measures 10 feet wide and currently is displayed at the Art Institute of Chicago. A smaller, related study, Study for A Sunday Afternoon on the Island of La Grande Jatte, resides in New York City in the Metropolitan Museum of Art. Although Seurat never married, he had a significant romantic relationship with Madeleine Knobloch, an artist’s model. She was the model for his 1889/1890 painting Jeune femme se poudrant, but they took pains to conceal their relationship for some time. In 1889, she moved into Seurats apartment, and she became pregnant sometime in 1889. The couple moved to a new apartment to accommodate their family, and Knobloch gave birth to their son, Pierre-Georges, on February 16, 1890. Final Years and Legacy During the summer of 1890, Seurat spent most of his time at the commune of Graveline, along the coast. He was incredibly prolific that summer, producing four canvas paintings, eight oil panels, and several drawings. Out of his works from that time period, the most notable was his painting The Channel of Gravelines, Petit Fort Philippe. The Channel at Gravelines, in the Direction of the Sea by Georges Seurat. Francis G. Mayer / Getty Images Georges Seurat began working on another painting, The Circus, but he did not live to continue innovating and working. In March 1891 he fell ill, and on March 29, he died at his parents’ home in Paris. The nature of the illness that caused his death is unknown; theories include meningitis, diptheria, and pneumonia. Whatever the illness was, he passed it on to his son Pierre-Georges, who died weeks later. Madeleine Knobloch was pregnant at the time, but their second child did not survive long after birth. Seurat was buried on March 31, 1891 at Cimetià ¨re du Pà ¨re-Lachaise, the largest cemetery in Paris. He left behind a legacy of significant artistic innovation, despite dying at the very young age of 31. Seurat’s use of color and his work with pointillism have been his most enduring artistic legacies. In 1984, nearly a century after his death, Seurat’s most famous painting became the inspiration for a Broadway musical by Stephen Sondheim and James Lapine. Sunday in the Park with George is inspired by the painting, and the first act of the musical depicts Seurat himself in a highly fictionalized way, imagining his creative process. The musical focuses more on his artistic pursuits but also does depict a fictionalized version of his personal life, notably in the character of his mistress â€Å"Dot,† who seems to be an avatar for Madeleine Knobloch. Art students still study Georges Seurat today, and his influence on other artists began not long after his death. The cubist movement looked at his linear structures and form, which then influenced their ongoing artistic developments. And of course, even young children in the modern world learn about pointillism, usually through A Sunday Afternoon. Despite his short life, Georges Seurat established himself as a key and permanent player in the art world. Sources Courthion, Pierre. â€Å"Georges Seurat: French Painter.† Encyclopaedia Britannica, https://www.britannica.com/biography/Georges-Seurat.Georges Seurat, 1859–1891. New York: Metropolitan Museum of Art. 1991Jooren, Marieke; Veldink, Suzanne; Berger, Helewise.  Seurat. Krà ¶ller-Mà ¼ller Museum, 2014.

Book Report On The Japanese Tales - 1508 Words

In the Japanese Tales, translated by Royall Tyler, the observation that snakes function as agents of karma is valid. In order to teach this Buddhist theme, snakes can be portrayed with a broad range of abilities and personalities to maintain a system of cosmic justice. Consequently, the imagery of snakes is seen as complex and paradoxical from tale to tale through their ways of delivering justices. However, snakes are not only agents of karma, but can also be agents to teach the consequence of sexual desires. This essay will show the complex characterization of snakes in order to express the consequences for certain behaviors such as dishonesty, lack of devotion to Buddhism, and lust. While snakes are seen as agents of karma in Red Heat, they are also portrayed as a creature with strong vengeful and evil personality toward those who express dishonesty and lack of devotion to Buddhist vows. As illustrated in Red Heat, a pair of monks sets themselves up for karmic repercussions by accepting hospitality from a lustful widow. This gives a chance for the widow to target one of the monks to be her sexual partner, which placed the monk in a situation to commit more misdeeds. The monks’ behavior demonstrates a lack of devotion to protecting their vow to remain in chaste, which was to stay away from sexual interactions with women (Tyler 160). When the sexual pursuit occurred, the monk told the widow, â€Å"If I suddenly break my vow, we’ll suffer† (Tyler 160).Show MoreRelatedEssay on Sayo Masuda’s Autobiography of a Geisha765 Words   |  4 Pagesoriginally written for a memoir competition run by the Japanese magazine Housewifeâ⠂¬â„¢s Companion. Sayo Masuda wrote and submitted her manuscript in hopes of winning the monetary prize offered. She won second place in the competition and came to the attention of an editor who helped her expand her story and publish it as a book. Riding on the wave of interest stirred by Arthur Golden’s Memoirs of a Geisha, G. G. Rowley translated Sayo Masuda’s tale for the American market. Rowley did an excellent jobRead MoreManga and Anime947 Words   |  4 Pagesmakes them a preferred interest of so many others. Japanese scroll paintings called the Animal Scrolls progressed into what today is known as manga and then into anime. Animal Scrolls are from the middle of the twelfth century and are recognized to have been created by Bishop Toba (1053–1140). They were painted using ink and are humorous pictures of birds and animals. Manga is defined by Oxford Dictionaries; as a style of Japanese comic books and graphic novels, typically aimed at adults and childrenRead MoreDifferences Between Feudalism in Europe and Japan Essay1031 Words   |  5 PagesEuropean feudalism was based on contract and Japanese feudalism was based on personal relationship with the lord and vassal. This helps prove that the differences between European and Japanese feudalism made limited government more likely to develop in the West because a contract limits what the lords and vassals could do. William, the king of English, said, â€Å"I command you [the vassal] to summon all those who are under your charge......and bring ready with you those five knights that you owe me[Read MoreThe Pacific Theater Of World War Two And The European Theater Essay2114 Words   |  9 Pagestheir Aryan Race and in the Pacific there were the Japanese with their Yamato Race. The main difference between the Germans and the Japanese however were their ru thlessness, while the Germans would attempt to follow laws of war when it came to captives the Japanese would kill everyone and take no prisoners or when they took prisoners would use abuse. 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His mother read him the fairy tales of Hans Christian Andersen, Robert Louis Stevenson, and the stories of King Arthur. nbsp;nbsp;nbsp;nbsp;nbsp;John attended Salinas High School, an experience he generally disliked, but one bright spot in his high school carrer was his ninth gradeRead MoreBased on True Events A Glance into the Nonfiction Novel Genre979 Words   |  4 Pagesdescribe what was considered impossible to describe (Taylor). One way writers have been able to do this is through nonfiction novels. A nonfiction novel is a narrative, of book-length, that unfolds actual events and actual people written in the style of a novel (â€Å"Nonfiction Novel†). This style of a novel implies that the book being spoken of can be looked at as art as well as fact (Sharlett). 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The Yellow Wallpaper - 771 Words

Yellow Wallpaper Without question the short story Yellow Wallpaper would definitely be categorized into a male dominant/feminist interpretation. The story is a perfect example of the stereotype, quot;that a male knows bestquot;. Throughout the story the author does a good job of placing you in the womens shoes. He makes you feel the control he has over her, mentally as well as physically. nbsp;nbsp;nbsp;nbsp;nbsp;Most males have a tendency to think that they know best. A man will never stop at a gas station to ask directions from a local resident in a town that he has been lost in for two hours because of course he knows his way around far better than the local ever would. He will find his way eventually even if it takes him the†¦show more content†¦He treats her as if she were a child, (example; line 128, quot;What is it, little girl?quot; A husband does usually refer to their wife as little girl. A relationship feeds on each other to make it right; there is no need for protection or defending. The narrator makes you feel as if all women are enclosed and rely on someone to guide them. You get the bored feeling as you are reading the story, that the women gets while she is locked up in the house not able to go anywhere or do anything. In this case he is inferior to her and protects her. In a normal relationship you dont ask one another what he or she can do o r not do, you dont get permission to do things. If there is a huge decision to make in a relationship it is simply discussed. In the relationship of John and her it is all about him giving her permission to do things. In one of her writings she writes, quot; Dear John! He loves me very dearly, and hates to have me sick. I tried to have a real earnest talk with him the other day, and tell him how I wish he would let me go and make a visit to Cousin Henry and Julia.quot;(Line108) A wife should never have to be let to do something. If she feels like she wants to go visit her cousins then she should just get up and be able to go. You usually only get permission from someone of a higher an authority or level than you. In a relationship one is not at a higher level than another is.Show MoreRelatedThe Yellow Wallpaper829 Words   |  4 Pages The Yellow Wallpaper Charlotte Perkins Gilmans The Yellow Wallpaper first appeared in 1892 and became a notary piece of literature for it s historical and influential context. Gilmans The Yellow Wallpaper was a first hand account of the oppression faced toward females and the mentally ill,whom were both shunned in society in the late 1890s. It is the story of an unnamed woman confined by her doctor-husband to an attic nursery with barred windows and a bolted down bed. Forbidden to writeRead More The yellow wallpaper619 Words   |  3 Pages nbsp;nbsp;nbsp;nbsp;nbsp;The plot of â€Å"The Yellow Wallpaper† comes from a moderation of Charlotte Perkins Gilman’s personal experience. In 1887, just two years after the birth of her first child, Dr. Silas Weir Mitchell diagnosed Gilman with neurasthenia, an emotional disorder characterized by fatigue and depression. Mitchell decided that the best prescription would be a â€Å"rest cure†. Mitchell encouraged Gilman to â€Å"Live a domestic l ife as far as possible,† to â€Å"have two hours’ intellectual lifeRead MoreYellow Wallpaper1095 Words   |  5 Pagesand treatments played in reinforcing the prevailing, male-dominant gender roles through the subversion, manipulation and degrading of female experience through the use of medical treatments and power structures. Charlotte Perkins Gilman’s â€Å" The Yellow Wallpaper† is a perfect example of these themes. In writing this story, Charlotte Perkins Gilman drew upon her own personal experiences with hysteria. The adoption of the sick-role was a product of-and a reaction against gender norms and all of the pressuresRead MoreYellow Wallpaper1673 Words   |  7 PagesSvetlana Kryzhanovskaya Prof. Grajeda ENC 3014-MidTerm Paper March 12, 2012 Structuralism amp; Feminist Theory ‘The Yellow Wallpaper’ written by Charlotte Gilman can be affectively analyzed from two schools of thought structuralism and feminist theory. Though structuralists’ deny the work of literature any connection to its author (it must be what it is, no underlying meaning) feminist theory must first and foremost be understood in its historical framework. By the turn of the century,Read MoreThe Yellow Wallpaper3202 Words   |  13 PagesEnglish 1302 22 November 2011 Main Character’s Outsider Theme In Charlotte Perkins Gilman’s â€Å"The Yellow Wallpaper†, the narrator, Jane, is struggling to deal with her depression that she is suffering in a confined room that her husband, John put her in. John believes that this will cure Jane and make her better from her depression. Instead, Jane is slowly losing herself within the yellow wallpaper in the room causing her to become insane. Jane is not able to express her feelings with her husbandRead MoreThe Yellow Wallpaper1362 Words   |  6 Pages â€Å"The Yellow Wallpaper† Charlotte Perkins Gilman â€Å"The Yellow Wallpaper† written by Charlotte Perkins Gilman is gothic psychological short story written in journal-style with first-person narrative. Other elements used in the story are symbols, irony, foreshadowing, and imagery. â€Å"The Yellow Wallpaper is about a woman who suffers from postpartum depression. Her husband, a physician, puts her on â€Å"rest cure of quiet and solitude.† (Wilson 278). This cure consisted of the narrator being confinedRead More The Yellow Wallpaper1466 Words   |  6 Pagesfeminist socialist and a realist novelist capture moments that make their readers rethink life and the world surrounding. Gilman’s â€Å"The Yellow Wallpaper† was first published in 1892, about a white middle-class woman who was confined to an upstairs room by her husband and doctor, the room’s wallpaper imprisons her and as well as liberates herself when she tears the wallpaper off at the end of the story. On the other hand, Craneâ₠¬â„¢s 1893 Maggie: A Girl of the Streets is the realist account of a New York girlRead MoreThe Yellow Wallpaper961 Words   |  4 Pages The Yellow Paper is a symbolic story written by Charlotte Perkins Gilman. It is a disheartening tale of a woman struggling to free herself from postpartum depression. This story gives an account of an emotionally and intellectual deteriorated woman who is a wife and a mother who is struggling to break free from her metal prison and find peace. The post-partum depression forced her to look for a neurologist doctor who gives a rest cure. She was supposed to have a strict bed rest. The woman livedRead MoreThe Yellow Wallpaper1844 Words   |  8 PagesSarah Kreeger EngWr 301 Professor Bradford 21 July 2013 Short Story Analysis The Yellow Wallpaper: The Power of Society’s Views On the Care of Mental Patients â€Å"The Yellow Wallpaper† by Charlotte Perkins Gilman takes the form of journal entries of a woman undergoing treatment for postpartum depression. Her form of treatment is the â€Å"resting cure,† in which a person is isolated and put on bed rest. Her only social interaction is with her sister-in-law Jennie and her husband, John, who is alsoRead Moreyellow wallpaper1165 Words   |  5 PagesIn the short story â€Å"The Yellow Wallpaper†, Charlotte Perkins Gilman, talks about a woman who is newly married and is a mother who is in depression. â€Å"The Yellow Wall-Paper† is written as the secret journal of a woman who, failing to relish the joys of marriage and motherhood, is sentenced to a country rest cure. Though she longs to write, her husband - doctor forbid it. The narrator feels trapped by both her husband and surroundings. The woman she sees behind the wallpaper is a symbol of herself and

Marketing Management for Common Wealth Bank- myassignmenthelp

Question: Discuss about theMarketing Management for Common Wealth Bank. Answer: Introduction The five Cs refer to a system of credit utilized by lenders, in this case, the Common Wealth Bank, to evaluate the creditworthiness of potential borrowers. The system works by assessing five attributes of the borrowers and features of the loan in an attempt to weigh the likelihood of default (Bryant, 2012, pp. 120). The five Cs include capacity, character, collateral, capital, and conditions. The five Cs criterion of assessing borrowers adopts both the quantitative and qualitative measures. The Common Wealth Bank collects the five Cs before releasing loans to potential borrowers. The five Cs The character refers to the credit history of a borrower. The bank is keen to follow the track record or reputation of borrowers when it comes to repaying debts. The Common Wealth Bank gets this information from the borrowers credit reports which are generated by credit bureaus such as the TransUnion, Experian, and Experian (Duarte, Siegel, and Young, 2012, pp. 2470). The credit reports give details about the amount borrowed in the past, whether the borrowers repaid their loans on time and whether they have outstanding loans. Other types of information contained in the reports include liens and bankruptcies, collection accounts, and judgments. The second C refers to the capacity. The Common Wealth Bank gauges the borrowers potential or ability to repay the requested loan. The tool used to determine the borrowers capacity compares the income against the recurring debts and gauging the borrowers debt-to-income (DTI) ratio (Marqus, Garca, and Snchez, 2012, pp. 10921). Other factors that are determined under the capacity criterion include the duration the borrower has been working and the job stability. The capital or the potential investment of the borrower is another factor that the bank puts into consideration before releasing loans. Huge investment contribution means that the chance of default is low. When it comes to getting a mortgage, for instance, an individual who has a down payment is likely to get the mortgage. The same consideration is applied by banks in an attempt to gauge the creditworthiness of their borrowers. The fourth C that is applied by the Common Wealth Bank is the collateral. The bank needs assurance that the borrowers are going to pay their loans. Car loans, for instance, are secured by cars while mortgages are protected by homes. For the lenders, collateral is a crucial investment since the borrowers would not be willing to lose their property (Bryant, L., 2012, pp. 130). Therefore, the Common Wealth Bank will be more secure giving loans to borrowers who have collateral. The last C that is collected by the Common Wealth Bank is the condition or state of the loan. Conditions such as the amount of principal and interest rate influence the final decision of the lender on whether to approve or reject the loan application. Conditions refer to the purpose of the loan or how the borrower plans to spend the money (Guiral, 2012, pp. 81). The Common Wealth Bank is more likely to give loans to the borrowers who plan to use the money to buy a home or a car, rather than approve a signature loan that has no particular purpose. Bibliography Bryant, L., 2012. An assessment of development funding for new housing post GFC in Queensland, Australia. International Journal of Housing Markets and Analysis, 5(2), pp.118-133. Duarte, J., Siegel, S. and Young, L., 2012. Trust and credit: the role of appearance in peer-to-peer lending. The Review of Financial Studies, 25(8), pp.2455-2484. Guiral, A., 2012. Corporate social performance, innovation intensity, and financial performance: Evidence from lending decisions. Behavioral Research in Accounting, 24(2), pp.65-85. Marqus, A.I., Garca, V. and Snchez, J.S., 2012. Two-level classifier ensembles for credit risk assessment. Expert Systems with Applications, 39(12), pp.10916-10922.

Joy Luck Club By Any Ten Essays - Chinatown, San Francisco

Joy Luck Club By Any Ten In the novel, The Joy Luck Club, by Amy Tan, it tells of four Chinese women drawn together in San Francisco to play mah jong, and tell stories of the past. These four women and their families all lived in Chinatown and belong to the First Chinese Baptist Church. They were not necessarily religious, but found they could improve their home China. This is how the woo's, the Hsu's, the Jong's and the St Clair's met in 1949. The first member of the Joy Luck Club to die was Suyuan Woo. Her daughter, Jing-mei "June" Woo, is asked to sit in and take her mother's place at playing mah jong. Memories of the past are shared by the three women left, An-mei Hsu, Lindo Jong and Ying-ying St Clair. June Woo learns of the real secret her mother carried to her grave from her mother's friends. The twin baby girls, her half sisters, Suyuan pushed in a Wheelbarrow as she escaped from the Japanese. Due to sickness, Suyuan can no longer carry her babies, and is forced to leave them on the side of the road. She lives her whole life not knowing if they are alive or dead. In the book, the Woo's left for America to build a better life for themselves. Suyuan Woo wanted to have a daughter like herself, and no one would look down on her. It was important that she speak perfect English and hopefully not share in the same tragedies and sorrows she had known. The movie brought this concept out very vividly. You were able to imagine the time and place and the emotions of the characters. Their anger in the early years, how women and children were treated as possessions. The book spoke of Rose Hsu Jordan, daughter of An-mei Hsu, who had seven brothers and sisters. A very tragic time in her life when her brother Bing drowns at age 1 while she was in charge of watching him. The movie does not touch upon this tragic event and brings out the rich family Rose marries into, and the instant rejection from her boyfriends mother. Rose unhappiness in her marriage with Tod, is similar to the unhappiness her mother had throughout her life. Lindo Jong was a special character in the book , referring to promises she made to her mother as a young girl, and keeping them throughout her life. She was actually abandoned by her family and Lindo was sent to live with her future husband's family. She never complained because she would never dishonor her mother. The movie did an excellent job of showing us the culture during that time in China and how the matchmaker arranged the marriages at an early age. She is a very smart girl and figures out how she could get out of this marriage and still keep her promise to her mother. She puts the blame on the matchmaker and is released from the marriage. When speaking of strong characters in the book, one would have to include Waverly Jong, daughter of Lindo Jong. She was a bright child who became a famous chess player, which made her mother very proud. The movie brought out her unhappiness in her life and the unhappy relationship with her mother. The two shared similar lives even though they lived in different countries and different times. Ying-ying St Clair, according to the book, was married at an early age and referred to her husband as a "bad" man. In fact she tried so hard to forget him she forgets his name. She tells of taking her baby before it was born because of the hate she has for her husband. The movie tells the story a little different in reference to her baby. After her husband comes home with his mistress and causes her shame, she drowns her tiny infant while bathing him. A tragic and emotional part in the movie. Lena St Clair, daughter of Lindo St Clair, may not have had such a tragic relationship with her husband as did her mother; but she was unable to find happiness in her marriage. The book and movie were similar in showing us the relationship she had with Harold. They were business partners also, but he made more money than she. They shared everything right down the middle and kept a running journal. They also decided not to have children which goes along with their relationship. In the final conclusion, the twin baby