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customer service delivery and organisational performance.
With the rapid developments in the sphere of information technology, internet has become a powerful tool in business. As a result e-service quality has become critical for companies to attract and retain the customers in this virtual environment. The main aim of this article is to provide insight into the dimensions of e-service with an empirical study on online railway ticket reservation website service. Primary data was collected from the online users of Indian Railways in India with the help of a 21 item instrument which is devised on the basis of thorough review of literature. To extract the various dimensions of e-service quality factor analysis is performed via SPSS 16. The results bring out four core e-service quality dimensions namely: Efficiency, Responsiveness, Privacy and security and Reliability. Surprisingly, privacy and security dimension scores the highest score of 3.85. It indicates that the users do not recognize considerable risk in online environment of e-service stemming from the possibility of misuse of their financial information and personal information. It is followed by efficiency, responsiveness and reliability with mean scores of 3.72, 3.43 and 3.19 respectively. Managers should focus on providing superior technical function of the website without any operating problems and 24 hours access to e-service. The reason behind is that if the users cannot use e-service when they need, they will immediately switch to some other e-service. Directions for further research on eservice quality are offered. Managerial implications stemming from the empirical findings about e-service quality are also discussed. Keywords: E-SERVQUAl, E-service Quality, Online Tourism, Website Evaluation.
Parasuraman et al. (2002) state that electronic service (eservice) might be the key to long term advantages in the digital times. internet has become a powerful tool in business. emails are not answered. Issue 1 (January. the second section provides a brief review of literature on e-service quality and various techniques measuring website e-service quality. 2005).the transactions—to e service-all cues and encounters that occur before. The fifth section sheds light on the various managerial implications of the present study. and e-service quality is becoming even more critical for companies to retain and attract customers in the digital age . when consumers could not complete transactions. down servers etc. 2011) ISSN 2229-6883 Introduction With the rapid developments in the sphere of information technology. Service quality is determined by the difference between expected service and perceived service from companies (Zeithaml 1998). Internet has radically revolutionized railway industry in the last five years. companies must shift the focus of e-business from e-commerce . Even though railways have realized the importance of online service. and the future research directions. 1988). but they have not made efforts to understand the customer‟s perception of online services and how customers assess their online service quality. This article focuses on measuring e-service quality dimensions in the online market with an empirical study on online railway ticket reservation website service. Earlier low price and web presence were the main drivers of success. If this channel is to be feasible.IJMMR Volume 2. If Web channels are to be accepted by consumers. the study concludes with a discussion of the limitation of the study.The situation become more vulnerable. Review of Literature Service Quality Traditional service quality refers to the quality of all non Internet based customer interactions and experiences with companies (Parasuraman et al. The fourth section reports the results and findings of the empirical data analysis. To deliver superior e-service quality. Currently many studies have been conducted on traditional service quality but the area of eservice quality appears to be understudied. conduct empirical studies in different service industries to develop and refine the service quality instrument (SERQUAL) to assess companies‟ service quality (Parasuraman et Sri Krishna International Research & Educational Consortium http://www. desired information could not be accessed. The third section provides the research methodology applied in this research work. and after the transactions (Parasuraman et al. inaccurate information. Oliveria et al.com -23- . Finally. but now railways operating in the internet market need something else to attract customers for their online services. low speed of the websites. they must be perceived by customers as efficient and effective. railways first need to understand how consumers perceive and evaluate online services. Internet has become a critical channel for railway ticket reservation and selling various tourism related products and services. during.skirec. The paper is organized as follows: Following the introduction.
which is based on the original ten dimensions of service quality put forward by Parasuraman et al. Reliability: The ability to perform the promised service dependably and accurately. but e-service quality evaluation in railway industry is still understudied. Responsiveness: The willingness to help customer and provide prompt services. Issue 1 (January.service quality reveals that many studies have been undertaken to uncover underlying dimensions of e-service quality evaluation in different sectors. But to measure e-service quality evaluation SERVQUAL is not appropriate. 2011) ISSN 2229-6883 al. The widely used SERVQUAL instrument is composed of five dimensions (Parasuraman et al.. The reason lies due to the difference of e-service from traditional service in three aspects: no sales staff.com -24- . They aim at providing a generic instrument for measuring service quality across a broad range of service categories. In this light it is clear that the SERVQUAL is not suitable for measuring eservice quality. travel companies. 1991. the researchers have widely used the five dimensions of SEVQUAL instrument to measure service quality in various industries like banks. 1988). Sri Krishna International Research & Educational Consortium http://www. A thorough review of existing research studies done empirically to examine customers‟ perception of e. and it is meaningful to another instrument for measuring e-service quality. E-Service Quality And Its Dimensions Zeithaml and al. (Parasuraman et al. and delivery of products and services. equipment.IJMMR Volume 2. the absence of traditional tangible element. 1985). purchasing.skirec. retail sector etc. 1988. and customers self service. (2005) defined electronic service quality as "the extent to which a web site facilitates efficient and effective shopping. Empathy: Care and individualized attention provided to customers. 2005). personnel and communication materials. Although service quality literature is found to be rich in different service sectors. The five dimensions of SERVQUAL are: Tangibles: The appearance of physical facilities. Since its inception. Assurance: The knowledge and courtesy of employees and their ability to convey trust and confidence.
Core scale refers to the quality of the website itself. ease of use. rather than with website performance. It follows the rule of original SERVQUAL and includes some dimensions of SERVQUAL. WEBQUAL. communication. Sri Krishna International Research & Educational Consortium http://www. Responsiveness and Fulfillment were identified. aesthetic design.IJMMR Volume 2.. represented by four and three dimensions respectively. There is a need to evaluate railway website which is a tourism website. reliability. 2011) ISSN 2229-6883 Table: 1 Critical Dimensions For Measuring E-Service Quality S. Dimensions website design. But most of the scales have been used in the e-retailing context. Dabholkar (1996) 2. accessibility.com -25- . E-SERVQUAL is a widely used technique to measure e-service quality as perceived by customers. year 1. and eTailQ. The E-SERVQUAL scale contains a core and recovery scale. Identified seven Mahapatra and dimensions to measure Sreekumar internet banking service (2009) quality. So in the following section only three main scales developed for measuring e-service quality is reviewed. 2002) and Parasuraman et al. understanding and availability 4. and interactive responsiveness 3. credibility. Accessibility. delivery. Privacy/Security.skirec. while the recovery scale is more concerned with the actual performance of the company. Userfriendliness. which seems to be the most inclusive ones amongst those reported in the literature to date. (2005) developed E-S-QUAL Model to measure e-service quality. Issue 1 (January. Reliability. Efficiency. enjoyment and control ease of use.No Author. Yoo and Donthu (2001) Description Focuses on website design Develop a 4dimension scale called SITEQUAL to measure online service quality of website Cox and Dale Set up 6 dimensions of (2001) online retailing service quality with the comparison of the traditional dimensions of service quality Khan. processing speed. E-Servqual Zeithaml (2000. Main E-Service Quality Evaluation Techniques Majority of scales have been developed by different researchers for measuring the website eservice quality. website appearance. namely e-SERVQUAL.
find their de-sired product and related information. ease of use.). Reliability is a technical function of the website such as the extent to which it is available and functioning prop-erly. Etailq ETAILQ is the scale for measuring and predicting e-tail quality. handling returns mechanisms. and check it out with minimal effort. and complimentary relationship. It suggests four website quality dimensions to predict customer judgments of quality and satisfaction with the website. The instrument consists of four constructs. Usefulness includes informational fit-to-task. return of shipping and handling costs. Con-tact points refers to customers' need to speak to a "live" customer service agent online or on the phone. Finally. the entertainment construct consists of the visual appeal (presentation graphics and text). Responsiveness defines the company's ability to provide appropriate problem-solving mechanisms (online complaint handing. each of which is evaluated by a website visitor according to his/her perceptions of web-site quality. fulfillment. Its main focus is on website interface and most empirically grounded e-service quality scales. Fulfillment/reliability depicts the accurate display and description of a product and delivery of the right product within the time frame promised. which are mainly concerned with the situations which arise when a problem needs to be solved and "personal service" is required. and incorporates accuracy of service promises. such as having products in stock and timely delivery. fulfillment/reliability. Fulfilment refers to a company's actual performance in contrast with what is promised through the website. Compensation involves money-back guarantees. Three recovery dimensions of e-SERVQUAL are responsiveness. Ease of use includes ease of understanding and intuitive operations dimensions. Webqual WEBQUAL is developed by Lociacono. innovativeness ("aha"/surprise element associated with creativity and uniqueness). complimentary relationship construct includes consistent image (the website's ability to accurately reflect the company's image promoted through other communication channels). and customer service. Issue 1 (January. Efficiency defines customers' ability to effectively access the website. privacy refers to the company's will and ability to maintain the integrity of customer data. Furthermore. and better than alternative channels (the website's ability to act on the same level or better than alternative marketing channels) dimensions. Watson and Goodhue in 2000. trust and response time dimensions. Sri Krishna International Research & Educational Consortium http://www. It is based on two behavioral theories namely Technology Acceptance Model (TAM) and Theory of Reasoned Action (TRA). WEBQUAL is used to judge a website ability to satisfy customer needs. privacy/security. namely usefulness. reliability and privacy. entertainment. and defines the company's ability to offer such support in real-time via online or other means of communication. etc. namely website design. It is developed by Wolfinbarger and Gilly in 2002.skirec. interactivity.com -26- . Finally. online guarantees. which include a range of website dimensions. The prime motive of WEBQUAL is to predict the revisit/reuse behavior of web users based on their perceptions of overall website quality. on-line completeness (the web-site's overall ability to suit customers in their operations). 2011) ISSN 2229-6883 Four dimensions of core e-SERVQUAL scale are efficiency. compensation and contact points.IJMMR Volume 2. and flow-emotional appeal (the website's ability to deliver enjoyable and engrossing experiences for users) dimensions.
helpful. While section C was used to determine respondent‟s perception on e-service quality using 21 items developed on the basis of ESERVQUAL (Parasuraman et al. Issue 1 (January. including navigation. Customer service signifies to a responsive. Section A collects the respondents‟ demographic details such as gender. Evaluate all the dimension of e-service quality as perceived by the users of e-services of railways. Respondents were asked to evaluate these items on 5-point Likert scale. The questionnaire was divided into three sections. The profile of the respondents is shown in table 2 Sri Krishna International Research & Educational Consortium http://www.skirec. order processing. Among 158 questionnaires. 2005). the empirical sample of this study was the users of IRCTC website to make the online reservations of the railway ticket in India. Results And Discussion Profile of The Respondents The final sample size for e-service evaluation is 150. willing service that responds to customer enquiries quickly. 2011) ISSN 2229-6883 Website design comprises of all elements of the consumer's experience at the website (except for customer service). Objectives The main aim of this article is to provide insight into the dimensions of e-service with an empirical study on online railway ticket reservation website service. The sample is considered to represent the IRCTC‟s website users in India to reserve a train ticket through internet. Research Methodology A well structured questionnaire was designed after analyzing the various constructs to measure customer‟s satisfactions with e-service quality of Indian railways. 8 incomplete questionnaires were removed from the further analysis. Section B was used to collect data on the usage pattern of the online services of Indian Railways in terms of length of period and frequency. and 158 0f the 800 individuals replied at a response rate of 19. occupation and income. age.com -27- . Finally. ranging from “strongly disagree” to “strongly agree. The remaining 150 responses formed the basis of the present study. Totally 800 questionnaires were mailed to potential respondents. education. appropriate personalization and product selection. The questionnaire was distributed to the customers by e-mail to a convenience sample during the month of July and August 2010. So.75 percent. Indian Railway Catering and tourism Corporation (IRCTC) is providing the service of online reservation of railway ticket on behalf of Indian Railways.IJMMR Volume 2.. security/privacy refers to the security of credit card payments on the website and privacy of shared information. information search.
About 35.7%) are male and only (3. 2011) ISSN 2229-6883 Table 2: Profile of The Respondents Frequency 18-28 years 41 Age 29-39 years 53 40-50 years 35 Above 50 years 21 Total 150 Male 145 Gender Female 5 Total 150 Under Graduate 13 Education Graduate 53 Post-Graduate 45 Professional Degree 39 Total 150 Government Employee 24 Occupation Private Employee 67 Student/Research scholar 20 Own Business/Entrepreneur 20 Professional/ self employed 19 Total 150 Up to Rs.3 100.3 23. 00.to 7.0 100.skirec.0 7.0 100.0 96.53 Income Rs.0000/20 Total 150 Less than 6 Months 11 Length of 6 to 12 Months 13 e-service usage 12 to 24 Months 35 More than 24 Months 91 Total 150 21 Frequency of use Occasionally Moderately 54 of e-service Frequently 75 Total 150 Variable Percent 27. Seventy two percent of the respondents belongs to low income group up to Rs250000 (36. 2. by this age.000/22 Above Rs.3%).000/. Further.3% of the respondents are graduation degree holders and 44.3 60. 50.000/. 2.7% are private employee.7 35.0 44.0 8. 00.7 3.to Rs.3 8.3%) are female.3%) in 18-28 years.0 26.7 13.0 The respondents were at least 18 years old since. Majority of the respondents (96.0 14.7 13.0 100.IJMMR Volume 2.3 35. 5.7%) and Rs250000 to Rs500000 (35.3 30.0 50.7 23.000/. The age profile of the respondents represents most age groups with the majority (35. one is allowed to reserve a railway ticket through internet in India. 5.3 12. Sri Krishna International Research & Educational Consortium http://www. 7.7 35.com -28- .7% of the respondents have been using eservice for more than 24 months and 50% uses this service frequently.3 14. as to the e-service usage pattern 60.3 13.3%) being in the 29-39 years and (27. Issue 1 (January. 50.3 100.0 16.0 36.7 100.000/55 Annual Rs.7 100.50.3 14.50.0 36.
927 shows that data was fit for factor analysis (Table 3).e.797 Rotation Sums of Squared Loadings Extraction Method: Principal Component Analysis.025 1.833E3 210 .IJMMR Volume 2. Table 3: KMO And Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy.0 will be retained and other factors will be excluded. In the present study four factors has been extracted explaining 66. In this approach. 2011) ISSN 2229-6883 Data Analysis Reliability was tested by using Cronbach‟s alpha coefficient.581 36.209 3.000) and Kaiser-Meyer-Olkin Measure of Sampling Adequacy (KMO) value is 0.581 17.281 14. In order to express the structure of the original questionnaire with fewer variables and maintain most information provided by the original data factor analysis is performed on 21 items by using SPSS 16.097 66.169 55.097 5. factors have been extracted by using Principal Component Analysis extraction method with orthogonal varimax rotation. items represent a high degree of inter-correlation.000 Further.169 1.572 66.797 4.112 3.378 1. .945 which is well above the recommended level of 0. degree of freedom is 210 and significance is 0.339 6. Measure of sampling adequacy. indicating that the variables are interrelated. such as Bartlett‟s Test of Sphericity (approx. In this study the cronbach‟s alpha score is 0.620 3.0.com -29- .225 of Cumulative % Total 49.087 % of Variance Cumulative % 19. The first step is to assess the appropriateness of factor analysis.70. factors with Eigen values greater than 1.325 49. Bartlett's Test of Approx.547 61. Issue 1 (January. Table 4: Total Variance Explained Initial Eigen values % Component Total Variance 1 2 3 4 10.833E3.816 52. Chi-Square Sphericity df Sig.265 6. The higher score denotes the high reliability of the generated scale i.700 19.236 15.skirec. chi square is 1.927 1. Sri Krishna International Research & Educational Consortium http://www.797% of total variance (Table 4). Factors have been extracted on the basis of Eigen Values.
000 Information on the IRCTC‟s website about the tourism products and 1. is up-to-date and correct. The IRCTC‟s site never shares my personal information with other sites.774 .e.4 should be dropped from the further analysis as they are not fit for the factor solution.com -30- .678 .40.000 The IRCTC‟s site operates without problem. .713 . 1.786 .638 . 1. 1. 1.000 per personal requirement.665 .000 It offers all required products and service I want 1.000 website page. As it is clear from table 5.000 queries and problems.000 The IRCTC‟s site provides confirmation of executing online transactions.000 The IRCTC authority gives me promote and relevant response of my 1. the IRCTC‟s site navigation is consistent and standardized.000 The IRCTC‟s site protects information about my credit card.skirec. 1.696 .000 input).625 .700 .538 . 1.000 option in the web site The IRCTC site provides comprehensive FAQ section to help/ guide me 1. 24*7*365 accessibility).000 When the IRCTC‟s site promise to perform something it does so.000 The IRCTC‟s site provides language option so as to personalize the site as 1. 1.000 for my common questions.716 .000 It loads its page fast 1.IJMMR Volume 2.000 The IRCTC‟s site is always available (i. 1.651 .791 .427 Sri Krishna International Research & Educational Consortium http://www. Table 5: Communalities Initial Extraction The IRCTC site makes it easy to find what I need (with minimum data 1.583 . Issue 1 (January. Extraction Method: Principal Component Analysis. 2011) ISSN 2229-6883 To test the reliability of the variables communalities of the variables has been computed. Variables having value less than 0.719 . 1.000 Overall. 1. The IRCTC‟s site provides a phone number to reach the IRCTC.671 . I don‟t have to scroll from side to side to adequately see the IRCTC‟s 1. Desired products and services can be easily found using key word search 1.000 services etc. The website does not contain too many pop-ups and banner advertisement 1.618 . all the items fit well in factor solutions.000 The IRCTC‟s site has online customer service representatives.000 that make it difficult for me to look on the webpage.765 .485 . as all factors have value more than 0. Simple for me to learn the handling of site.000 Information at this site is well organized 1.788 .
24*7*365 accessibility).163 . Desired products and services can be easily found using key word . is up-to-date and correct.453 .166 .750 .45 are significant contributors and if factor loading is greater than .120 .728 . .614 .557 .390 .148 . but low loading on other factors. Issue 1 (January.258 .329 Information on the IRCTC‟s website about the tourism products .436 .681 Overall. The objective is to find variable which have high loading on one factor.162 .126 . Table 6: Rotated Component Matrixa Component 1 2 3 The IRCTC site makes it easy to find what I need (with minimum .026 The IRCTC‟s site provides language option so as to personalize the .388 .146 .525 . . . This is done by identifying the items that have high loading on individual factors.531 . The IRCTC‟s site provides a phone number to reach the IRCTC.064 The IRCTC‟s site operates without problem.383 .144 .147 . An important output. Values close to 1 represent high loadings and those close to 0 represent low loadings. .313 .590 . The IRCTC‟s site never shares my personal information with other . Simple for me to learn the handling of site.com -31- .260 . 2011) ISSN 2229-6883 After the extraction of factors the next task is to interpret and name them.125 .522 Information at this site is well organized . The IRCTC authority gives me promote and relevant response of . All variables have factor loading greater than .593 .231 .840 .358 When the IRCTC‟s site promise to perform something it does so. . Rotated factor matrix has been depicted in table 6 and explained below.074 .745 .031 sites. the IRCTC‟s site navigation is consistent and .200 .196 .236 .319 .303 It offers all required products and service I want .196 .653 standardized.333 .648 .144 .387 .830 It loads its page fast . The IRCTC‟s site protects information about my credit card.251 . .skirec.147 .351 .459 search option in the web site 4 . rotated component matrix is used to identify the variables in terms of the factors. .252 .465 The IRCTC‟s site has online customer service representatives.202 .601 .7 these are supposed to be highly significant.241 .236 .220 .217 site as per personal requirement.375 .144 . The IRCTC‟s site is always available (i.815 .294 . The factor loadings represent the correlations between factors and variables.498 transactions.136 and services etc.414 .e.812 data input).010 Sri Krishna International Research & Educational Consortium http://www.IJMMR Volume 2.253 my queries and problems.134 The IRCTC‟s site provides confirmation of executing online .
I don‟t have to scroll from side to side to adequately see the . Parasuraman et al.025% variance of the total variance with Eigen value of 1.097 guide me for my common questions.com -32- . It can be easily observed that the items are revealing the responsiveness of the website.387 . well organized.590 . It could be defined as effective handling of problems with the help of website. al.632 . Yoo and Donthu .305 advertisement that make it difficult for me to look on the webpage. Khurana 2009. So the researcher named this factor as responsiveness. 2009. et al. Khan et. The security and privacy Sri Krishna International Research & Educational Consortium http://www. Rotation converged in 7 iterations Factor 1: Efficiency This is most significant factor as it explains 49. al. Extraction Method: Principal Component Analysis. Parsuraman et. Efficiency refers to the ease and speed of accessing and using the site (Parasuraman et al.335 . Issue 1 (January. This factor has exhibited heavy loadings for five items out of 21 items.481 . After reviewing carefully. 2005).265. 2011) ISSN 2229-6883 The IRCTC site provides comprehensive FAQ section to help/ . confirmation of completed transactions. simple.032 . navigation and speed. In case of e-service quick service to users through website can make users feel more comfortable during purchasing without any interruption. The researcher named this factor as privacy and security as it shows the company‟s will and ability to maintain the privacy of the user and protects their personal information.406 .IJMMR Volume 2. It includes ease of use. Khurana 2009 and Hongxiu et. phone number.339. It has also been identified as one of the major core dimension of E-SERVQUAL. easy search and FAQs for help in problems. Efficiency could also be defined as user‟s ability to access the website. This factor consists of six items pertaining to correct and up-to-date information. So the most appropriate label for this factor is efficiency. Rotation Method: Varimax with Kaiser Normalization. The website does not contain too many pop-ups and banner .169% variance of the total variance with Eigen value 10. Factor 2: Responsiveness It has been found as second largest factor with 6.378% variance explained and Eigen value 1. 2009. Factor 3: Privacy And Security This factor explains 6.120 IRCTC‟s website page.2001.. availability of customer representative. al. also asserted that prompt response to the problems of the customers largely determines customer evaluation of e-service.skirec..438 . Five items are loaded to this factor pertains to security of credit card and personal information.319 . language option. it was evident that all of these items related to efficiency of the website. Several research studies in recent past years (Khan.(2005) have also highlighted it as an important recovery dimension for ESERVQUAL. privacy from pop ups and no need to scroll from side to side.325. 2005) have recognized it as a major contributor in measuring e-service quality.
01 3. This is also an important dimension of E-servqual and eTailQ e-service evaluation technique.79 F2 Responsivenes s 10 Information on the . This Reliability depicts the technical aspect of the website such as its 24 hours availability and functioning without any problem. 1988. It shows name of factor.IJMMR Volume 2.68 3. According to some empirical studies (Parasuraman et al. F1 Factor Interpretation Efficiency 1 The IRCTC site makes it easy to find what I need (with minimum data input). It loads its page fast Information at this site is well organized Overall.43 3. If the value is greater than 0. Factor 4: Reliability This is the last factor accounts for 5.531 IRCTC‟s website about the tourism products and services etc. Since all the items of this factor emphasize on technical part. It consists of five scale items related with the availability of the website. Following table depicts the summary of factor analysis.886 2 3 4 5 . desired products. Simple for me to learn the handling of site.72 3.653 4.43 . is up-to-date and correct.812 Ite m No.225% explained variance and have Eigen value 1.873 Sri Krishna International Research & Educational Consortium http://www. Variables Factor Loadin g Mea n 3. factor loadings.com -33- .65 so the constructs are reliable.830 . Table 5: Summary Of The Results Facto r No.99 Cronbach’ s Alpha . Issue 1 (January. and response to queries. (2000). involves the degree to which the customer believes the site is safe from intrusion and personal information is protected. Khan et al.522 . Dabholkar 1996. the researcher decided to name this factor as reliability. 3. operates without problem.097. the IRCTC‟s site navigation is consistent and standardized .65 it is reliable. Cronbach‟s alpha is checking the construct reliability. mean and cronbach‟s alpha. 2011) ISSN 2229-6883 dimension used by Zeithmal et al. 2009 and Khurana 2009) reliability is the most important dimension of eservice quality.skirec. The values of all the factors are greater than 0. 1985.15 3.681 .
Issue 1 (January. Desired products and services can be easily found using key word search option in the web site The IRCTC site provides comprehensive FAQ section to help/ guide me for my common questions.27 .601 3. .481 adequately see the IRCTC‟s website page.728 3.62 3.28 .19 3. 3.745 shares my personal information with other sites.85 3.840 The IRCTC‟s site protects information .632 3.IJMMR Volume 2.69 .614 about my credit card.49 F3 Privacy And Security 11 12 13 20 21 The IRCTC‟s site never .593 3.590 transactions. 2011) ISSN 2229-6883 15 16 17 18 19 The IRCTC‟s site provides a phone number to reach the IRCTC The IRCTC‟s site has online customer service representatives The IRCTC‟s site provides language option so as to personalize the site as per personal requirement.750 3.92 4. . The IRCTC‟s site provides confirmation of executing online .830 3. I don‟t have to scroll from side to side to . The website does not contain too many popups and banner advertisement that make it difficult for me to look on the webpage.skirec.com -34- .71 Sri Krishna International Research & Educational Consortium http://www.79 .40 .
414 3. 24*7*365 accessibility).e.648 .525 3. It offers all required products and service I want The IRCTC authority gives me promote and relevant response of my queries and problems.IJMMR Volume 2. Issue 1 (January.590 . When the IRCTC‟s site promise to perform something it does so. .86 3.44 Level Of Customers’ Perceived Feeling of Satisfaction With Regard To EService Quality Dimensions The figure 5.37 .19 2. 2011) ISSN 2229-6883 F4 Reliability 6 7 8 9 The IRCTC‟s site is always available (i.com -35- .10 below.41 3. The IRCTC‟s site operates without problem.skirec. displays mean scores of customers‟ perceived satisfaction regarding derived dimensions: Figure 1: Sri Krishna International Research & Educational Consortium http://www.89 2.815 .846 14 .
It is followed by efficiency. It is good indicator that users found it very simple to learn the handling of website and satisfied with confirmation of executing online transactions.89 respectively. the responsiveness facet of website is also a critical contributor to users‟ perceptions of e-service quality. After examining this dimension it is suggested that the customer care representatives should resolve the customer‟s complaints timely and that the customer‟s queries are taken seriously. It indicates that the users do not recognize considerable risk in online environment of eservice stemming from the possibility of misuse of their financial information and personal information.72. Recommendations On the basis of current research findings several important recommendations for practitioners of e-service quality can be made. Privacy and security and Reliability.19 respectively.‟ Efficiency‟ may be helpful in providing enhanced quality of service. 3.IJMMR Volume 2. Efficiency. measured on a five point Likert scale. Second. 2005. anchored at 1: “Strongly disagree” to 5: “Strongly Agree”. The steps should also be taken to update the information on the website. it is suggested to increase loading speed of the pages and installation of more effective servers. 2011) ISSN 2229-6883 It can be observed from the figure 1 that privacy and security dimension scores the highest score of 3. responsiveness and reliability with mean scores of 3. using principal component analysis with varimax rotation via SPSS 16. if site operates without any problem and 24*7*365 access is offered than it helps in improving the image of the e-service quality.86 and 2. railway should rectify operating problems of the website and it should run all the time 24*7*365 as the users tend to have low mean score of 2. All the mean scores of the dimensions are rated by the users between „Neutral‟ and „Agree‟ so the railways should pay attention for further improvement of these dimensions. Conclusion To measure the e-service quality a 21 item instrument is devised after a thorough review of literature and exploratory investigations. First. Most of the statements adapted from E-servqual which is developed by Parasuraman et al..85. the findings highlight that managers should devise appropriate strategies to increase the speed of the website and its 24 hours availability. responsiveness and reliability. In e-service. The results bring out four factors namely. The perception of e-service quality was assessed on 21 items. To extract the factors affecting e-service quality factor analysis is performed.com -36- . Thus. The network become very busy during the peak hours.43 and 3. Issue 1 (January. the study indicated that among the various e-service quality dimensions „Efficiency‟ is most critical and important facet of e-service quality. Sri Krishna International Research & Educational Consortium http://www. so managers should provide discount on earlier booking or special offers during dip hours online reservations. Surprisingly the mean scores of the factors revealed that privacy and security is strongest dimension followed by efficiency. Responsiveness. Looking at this individual dimension. Specially. Cronbach‟s Alpha confirms the reliability of all these extracted factors.skirec. superior performance on the most critical dimension. Furthermore.
as they dilute the privacy of users. experience have not been considered. „Reliability‟ has emerged at the fourth place in terms of its importance. pop-ups. They also thank Ms.G. ease of use. „Privacy and Security‟ factor also appeared to play an important role in influencing the overall service quality as perceived by the users. In this dimension managers should focus on providing superior technical function of the website without any operating problems. so the further studies may explore the importance of e-service quality dimension for corporate customers. It would enhance the understanding for managers. B. So the practitioners should provide a single spot for advertisement. 11(2). Too many banners.com -37- . Managing Service Quality. The study can be further extended to investigate the cause and effect relationship between customer satisfaction and retention. website design. there is need to explore these results for other developing and developed economies. Present study excludes the voice of the corporate customers. banners etc. This may provide a better understanding of e-service quality dimensions across different economies. without which this research could not have been conducted. practitioners should avoid too many advertisements. It is also advisable that all the contents should be visible on a single screen as it irritates users to scroll the page again and again to see the things adequately. Rajni Hasija GGM (ITs) of IRCTC for her immense help and providing a text link of questionnaire with ticket confirmation mail to seek the feedback of the consumers.IJMMR Volume 2. But. 121131. 2011) ISSN 2229-6883 Additionally. (2001). Last but not the least e-service should be 24 hours available as if users cannot use the e-service when they need. empathy. they will immediately switch to some other eservice. the results indicate that privacy and security does not have significant influence on users‟ perception of e-service quality. Issue 1 (January. Third.skirec. J. Sri Krishna International Research & Educational Consortium http://www. Acknowledgements The authors gratefully acknowledge cooperation of Indian Railway Catering and Tourism Corporation (IRCTC). Surprisingly. animation effects on the home page also distract the mind of the users. there must be an opening to interact with other users through internet and learn about earlier users experiences. and Dale. References Cox. Finally. Service quality and ecommerce: An exploratory analysis. The study has considered only four dimensions and other dimensions like attitude to e-service. Limitations And Suggestions For Future Research The data was collected from the users in India. they feel interrupted in between. trust of customers. Thus.
Issue 1 (January. No. pp. Kaynama. Zeithaml. (2002).A.4. and Gilly. A. (2002). International Journal of Indian Culture and Business Management. “Theoretical Framework for Quality Evaluation of Tourism-Related Websites Services” Vol. (2001). V. and Keesling. Roth. A. Condratov. 1.IJMMR Volume 2. Quarterly Journal of Electronic Commerce. A. VIII. Sunayna (2009). 2011) ISSN 2229-6883 Dabholkar. No. P. No. Service quality delivery through web sites: A critical review of extant knowledge. 30(4). 69(2002). Yoo. pp. Zeithaml. pp. Valentin. 2(1). 13(1).C. Working paper. M. P. 30-46. 721739. and Gilland W. (2005). Mohammed Sadique. 2951. B. Technology Forecasting & Social Change.. (1996). Wolfinbarger. “Impact Of The Internet On Internal Service Quality Factors: The Travel Industry Case”. Journal of the Academy of Marketing Science. 362375. Black Christine I. 135-145.. and Malhotra.F. “Service Quality Evaluation in Internet Banking: An Empirical Study in India”. 52-58. and Malhotra. Shohreh. 2..skirec. “Managing Service Quality: An Empirical Study on Internet Banking”. Sri Krishna International Research & Educational Consortium http://www. Parasuraman. A. Vol. Developing a scale to measure perceived quality of an Internet shopping site (SITEQUAL). pp. pp. Achieving competitive capabilities in eservices. 1. and Donthu. Iulian (2007). Hapenciuc Cristian. N. (2002). No. Mahapatra.V. Cambridge MA. 3146.. A. 213233. measuring and predicting quality of the etailing experience.. Siba Sankar and Sreekumar (2009). 151.1. No ¾. A. Garland.. Parasuraman. The Journal of Applied Business Research. Oliveria. “E-SQUAL: A Multiple-Item Scale for Assessing Electronic Service Quality”. COMQ: Dimensionalizing. The ICFAI Journal of Marketing Management. Vol.A.3. Consumer evaluations of new technology based self-service options: An investigation of alternative modes of service quality. Journal of Service Research. 96-112. Marketing Science Institute.. Vol. International Journal of Research in Marketing. V. Vol. 19. 7. Khan. M.com -38- . Khurana.


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Arcesio Bermudez was a 54-year-old Colombian who apparently succumbed to the powers of the mysterious UFOs, creatures whose existence is unknown, but who are nonetheless real, according to experts.
Ufologist William Chavez claims that the event took place on the evening of July 4, 1969 in the town of Anolaima, municipality of Cundinamarca, when Arcesio's family climbed a hill to do some star gazing, and managed to see a small light that increased its size substantially.
"Mister Arcesio went out to see what was going on. He stared at it and decided to point his flashlight at the unknown entity at that moment," says the specialist.
Chavez claims that the peasant received a magnetic blast, causing him to feel sick hours later, developing signs of hypothermia shortly after. He was sent to a clinic in Bogotá.
After being hospitalized for several days, experiencing intense fever, the Colombian died under circumstances that medical experts could not explain.
The national police and the army conducted an investigation into the death of the man who seemingly came into contact with an unidentified flying object. However, the authorities were never able to clarify the events.
This small piece of information by Colombia's Radio Blu does not mention the fact that the case received considerable attention at the time, and not just within Colombian borders. An issue of the TIEMPO newspaper dated 18 July 1969 shows members of the APRO research organization, under the direction of Jim and Coral Lorenzen, along with local authorities and eyewitnesses. The text reads: "They do exist because I saw them," replied Marina Isabel Franco, a young witness to the phenomenon. Scientific evidence corroborates that the strange object was indeed seen by many people. There is interest in this exclusive by EL TIEMPO."
The photo caption adds: At the Tocarema Hacienda un Anolaima, where on the evening of 4 July, more than twelve people saw a strange luminous object identified as a "UFO". Members of the scientific delegation of APRO, reporters for EL TIEMPO, some eyewitnesses to the event and their relatives, inspect the site up to which Arcesio Bermudez ran with a flashlight, trying to see the vehicle as close as possible. It flew quickly over the trees, and it has not yet been possible to determine whether it touched the ground, since there are no visible signs that suggest this. The only person who followed it to that site, Mr. Bermudez, died days later. (Photo credit: Alfonso Angel, for EL TIEMPO)."
More details emerged about Mr. Bermudez's sudden illness after his alleged CE-3. Feeling ill within hours of the event, his malady extended for three days until a relative came to collect him and take him to Bogotá for treatment by car. According to his family, Bermúdez was cold to the touch, and that he leaned against his sister's side in the vehicle. Creepier still is the detail that the side of the sister's body "remained cold until the day she died." Bermudez's preternatural chill was such that the nurses at the Bogotá health center were unable to draw blood samples, as his vital fluid had "crystallized"."
Arcesio Bermudez was treated by César Emerald, Secretary of Health in Bogotá at the time. This distinguished physician would recall that his patient was in a state of hypothermia, with no temperature readings. Dr. Emerald was never able to ascertain the root cause of this chill.
The group of APRO investigators seemed to think that Bermudez had died from a massive dose of gamma rays, and requested that the hapless man's cadaver be exhumed - something the family refused to do. Years later, when the remains were about to be transferred, the Bermúdez family discovered to their horror that the body had been spirited away by unknown hands.
A more detailed medical report can be found in the 17 July issue of the "El Espectador" newspaper. Dr. Emerald is quoted as saying: "The patient was very ill. He presented a cardiac condition, third-degree dehydration brought about by vomiting and diarrhea, and it was impossible for me to control his sickness. Nothing could be done for him. It struck me that the patient should be hypothermic, that is to say, that he should have no temperature whatsoever. All I can tell you is that according to his sickness, the patient should've had a temperature reading, but in fact did not have one. I am speaking from a medical standpoint; therefore I cannot associate his death with the presence of the object [UFO] you are telling me about."

industry_corpus2: Others


text: Strategies For more remember to not be afraid to go into contact with our Customer Service. Only really good posting methods will work with you get awards. Books provide you with the reader using this advice and highlights.


text: Sponsored by HealthLinc. BE THE FIRST ON THE ICE and help benefit the Valpo Parks Foundation! This exclusive, family friendly, first skate will take place before the skating season officially begins. Join the Valpo Parks Foundation and the Valpo Parks Department on Saturday, November 17, 2018; 5:00-9:00 p.m. Tickets are only $15 per person. Each attendee receives admission, skate rental (or bring your own), pizza, and of course, bragging rights for being the first on the ice this season! Additional raffles will be available as well. Gather your family and friends or make it a date night. Only a limited number of tickets will be sold. All ages and abilities welcome. Children 10 and under must be accompanied by a ticketed adult. Only ticketed guests will be allowed entry.

industry_corpus2: Sports


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Voltage is one of the most fundamental and useful types of measurement performed today. Many scientific instruments and sensors provide a voltage output that represents the magnitude of some parameter being measured such as temperature, pH, flow rate, pressure, strain, etc.
The OM-CP-VOLT101A provides a low cost solution for adding recording capability to an already existing measurement system. Its high accuracy and 16-bit resolution place this product at the forefront for low level DC voltage recording devices. This device is ideal for accurately measuring and recording battery voltages, sensor output signals, photovoltaic studies, as well as many other low level DC voltage sources. With user programmable engineering units, the user can scale the input voltage to most any type of unit desired automatically. This is a unique and very useful feature for presentations.
The OM-CP-VOLT101A is available in four different input ranges: 160 mV, 2.5V, 15V and 30V versions. Data retrieval is simple. Plug the device into an available COM port and our easy-to-use software does the rest. The software converts a PC into a real-time strip chart recorder. Data can be printed in graphical and tabular format or exported to a text or Microsoft Excel file.
To Start Device: Press and hold the pushbutton and the green LED will flash twice a second. After three seconds, the green will flash rapidly for two seconds; the device has started logging.

industry_corpus2: Technology & Research


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We are not just Thought leaders but also Action leaders. We believe in Action leadership.
Honolulu Tech is an IT consultant company with focus on providing end to end CRM solutions. We simply love CRM and when it comes to Nimble CRM, we are simply excited to explore the various next generation features that Nimble CRM offers you – and believe us – it is simply Amazing! We are truly excited and happy to become official partner of Nimble CRM – a highly innovative CRM company that truly cares for its customers. Nimble is always active in bringing innovative CRM solutions to its customers and Honolulu Tech is delighted to be a part of Nimble’s innovation drive.
Our expert CRM consultants are more than happy to provide our customers with the best CRM integration and implementation services at the fraction of the cost.
When you subscribe through us, you can be assured that no matter how much user help, technical assistance and guidance you need in getting your CRM running – we at Honolulu Tech are always there to hold your hand and help you walk through smoothly. Grab your Nimble CRM subscription now and let us get you the CRM integration done within few minutes. So what are you waiting for – Sign Up Now!

industry_corpus2: Computing & Telecommunications


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You want a smooth, beautiful acoustical ceiling and have extremely high demands for sound absorption in spaces with vaulted surfaces, domes or you simply need maximum sound absorption with a building height as low as possible. Even Better 25 mm (1 inch) is the product you’re looking for.
28 mm (1,1 inch) total construction height. Weight (dry, excl adhesive/mech. fasteners) 3.0 kg/m² (9,9 oz/ft²).
Can be mounted on walls or ceilings. On flat or vaulted surfaces. Can be mounted with no gaps on existing ceilings or wall surfaces, suspended mounted on plasterboard or suspended directly from a track system.
89,6% – 92,6% per ASTM E1477-98a.
Class A per ASTM E84; B s1d0 per ISO EN 13823 (A2 s1do with 30-mm absorbent board).
7 g/l (0,03 lbs/gal) VOC (emissions) per ASTM D3960. LEED. Contact Fellert for more information.
NRC 0.80-0.85 per ASTM C423. Alpha W 0,80 (class B)-0,90 (class A) per ISO 354/ISO11654.
Please note that these product properties are not a replacement for the manufacturer's literature and it is always recommended that Fellert Acoustical Ceilings AB is consulted before specifying.

industry_corpus2: Real Estate & Construction


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Today I want to discuss death and dying. This week my brother Marty Metzler died. He slipped out of his body after a lengthy illness. His hospital room was filled with his family and friends, people who loved him in this life and will miss him terribly. For me Marty will always be sitting in his living room playing the songs he had written or was writing (very good stuff in a CW ballad kind of way). I didn’t get to see him often and that is the most dominant image I have of him. In some ways my brother was luckier than many people. He lived on his own terms. Had great kids and spent the last 10 years of his life with the woman he loved, who loved him. When we have love all the other challenges of life seem easier. So thank you Sue for making my brother happy.
Being a reincarnationist has always made death less imposing for me. This is even more true now that I understand energetics and our existence as divine spirit energy. I am always sad for the people left behind, but for the departed I am so very happy. We may touch transcendent bliss in fleeting moments as human forms but I can barely imagine what it is to exist entirely as spirit able to assimilate with all divine energy. Even for those whose life has been harsh and perhaps unfulfilled… the spirit self can choose to have another human experience. Another chance for the growth they may have missed this time around. We cannot hope to have every experience in one lifetime. Ultimately we want to have every experience; so we come back life after life for more, different, and new experiences.
No lifetime is wasted and no-one leaves before their soul decides it is ready. We may not be ready to see them go; it is only for us to cherish the experience of having known them. Good bye little brother, you were loved and will be missed.


text: A true but little-known incident that occurred in a small upstate New York town in 1928 is the subject of this historical fiction work for young adults. A blood libel took place in Massena, New York when a young Christian girl disappeared from her home, and the town’s rabbi was questioned by police about whether Jews practiced human sacrifice. Jack, the young man accused of the crime, is a bright and talented young Jewish musician who is infatuated with the missing girl’s older sister. The romantic side story between these two teens (and the fact that they know theirs is a forbidden relationship) adds more interest for contemporary readers.The evolution how an anti-Semitic lie spread throughout this community is convincingly portrayed in this story. Vernick conveys a fine sense of social history regarding the adaptation of first generation Jews to American life in the early twentieth century. The troubling issues that the book raises are sure to give readers a sense of the fragility of Jewish-Christian relations and the challenges posed by ignorance.

industry_corpus2: Literature & Emotions


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They seem to appear out of nowhere with their thin spindly arms that reach out in every direction. Like little purple or blue starbursts on the face, arms, or legs, spider veins are often thought to be a cosmetic problem, but when you have them yourself, these venous issues can be all out creepy. Even worse, if left untreated, the spider veins can crawl out and get bigger. If you have spider veins showing up on your body, you are bound to have questions and concerns. Here are a few of the most common questions about spider veins and the answers you will want to know about this creepy-crawly problem.
Why do the spider veins show up in the first place?
Spider veins can have several different root causes, such as being overweight or even standing for long hours. However, most of the time, the spidery veins come from pressure on certain areas of the skin that changes blood circulation in that particular area. If you sit for long periods with your legs crossed, for example, it can cause excess pressure on the blood vessels in your legs and spider veins could start to develop.
Is it true spider veins can turn into varicose veins?
Spider veins don't really turn into varicose veins because the two are actually different things. However, both spider veins and varicose veins have similar causes. Therefore, if you already have problems with spider veins, you may be more at risk for developing varicose veins as well. Because of this, it is not at all uncommon to develop spider veins and varicose veins concurrently or within the same time frame or even on the same areas of the body.
Can spider veins be eliminated or treated?
Spider veins are often deemed a cosmetic problem, but in actuality, they can be painful, cause itching and irritation, and even be tender to the touch. Therefore, treatment does sometimes become even more important than just for cosmetic purposes. Some of the same procedures that are used for varicose veins can be used for spider veins. For example, sclerotherapy and laser therapy may be used to force the tiny veins to collapse, which stops blood flow to that particular bundle of blood vessels. You may see a reduction in the appearance of spider veins by exercising regularly, following a good diet, and doing what you can to prevent bodily pressure in certain areas.
Speak with a vein doctor for more information.

industry_corpus2: Health & Medicine


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Watch this demonstration and learn how to access the archetype of the Sovereign in your own life - to over come challenging situations that require you to step up!
Sign up now to get a complementary Introduction Pack that includes a Summary of the Six Archetypes and a unique and dramatic audio demonstration that will help you get familiar with the 6 Team Me Archetypes with this .
Discover the power team inside you!

industry_corpus2: Subject Education


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EasyCGI, an EPA Green Power Partner, certifies that is powered by 100% wind energy. That means the servers, data centers and offices supporting are powered by renewable energy.
EasyCGI, an EPA Green Power Partner, certifies that is completely generated by wind energy. For every KWH used to run sites such as yourdomain.com, EasyCGI purchases twice that amount of wind energy in the form of Renewable Energy Certificates (RECs).
By hosting with EasyCGI, is helping prevent the release of 3,764 metric tons of carbon into the atmosphere annually. Our company's energy efficiency is equivalent to planting 803 acres of trees, or taking 738 cars off the road.
EasyCGI provides shared web hosting solutions for individuals and small to medium sized businesses looking for an affordable, reliable web hosting option. EasyCGI offers various site builder tools, marketing services and SEO solutions. For additional information, visit www.easycgi.com.
© EasyCGI. All rights reserved.

industry_corpus2: Power & Energy


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This blog, that I have been writing for 5 years, is a chronicle of all of my cooking adventures. I've been through quite a few phases of different styles of cooking for my family. When I was living with my parents, I shared many large, family friendly, and healthy dishes. When I got married, I started cooking a lot of "dinner for two" recipes, romantic and adventurous dishes.
Now, I've started cooking a lot of healthy but fattening foods for my toddler that seems to live on air. These are dishes that S and I can enjoy and are very nutritious for our little one. Today's recipe is one of these dishes, something that I might cook on a week night.
I've posted several recipes using quinoa in the past and written about its health benefits as well. One can definitely call quinoa a superfood. It is a great source of protein and vitamins and will give the little one enough energy for his whole day. You can replace asparagus with broccoli if you prefer to give the dish an additional boost of calcium, very important for little baby bones. Best part is, this recipe is baby approved! Y loved it and I'm sure you and your family will too.
So give it a try and good luck in the kitchen!
Melt the butter in an oven safe pan over medium heat. Whisk in the flour until it is well combined, no lumps. You may need to add a little bit of chicken broth to get it to a good consistency. Cook it for an additional minute and slowly add both liquids, milk and broth, while constantly stirring so no lumps form. Add in all the seasonings to taste. Cook for 3-5 minutes.
Mix all the ingredients, except cheese and bread crumbs, into the sauce until well combined.
Top with bread crumbs and cheese. Bake covered for 45 minutes until the quinoa has sprouted and uncovered for 10 minutes until cheese is golden brown. The sauce will become creamier as the quinoa absorbs it. Serve warm and enjoy!

industry_corpus2: Hospitality & Catering


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15 December 2015, at 12:00a.m.
CANADA - Last week the World Trade Organization (WTO) set the retaliation amount that Canada and Mexico can place on American products in response to US Country of Origin Labelling (COOL) law at $1.1 billion.
The COOL law requires meat (pork) to be labelled with the country where the animal from which it was derived was born raised and harvested.
The COOL law established a decade ago was a compromise when some law makers (Senators) tried to ban packer ownership of livestock (hogs).
Four times the WTO has ruled that COOL violates US trade obligations, discriminating against Canada and Mexican animals that are sent to the United States to be fed out and processed.
We expect Canada and Mexico Governments could rapidly and legally target imports of Pork from USA with Tariffs. Two of the largest markets for US pork. The tariff put on US pork could do several things. Drive down the price of US hogs, Canada will have a price advantage. In Mexico due to the Tariff and and grab market share, less pork will come to Canada from USA.
The idiocy of the COOL legislation has been proven four times in court. The US Congress has recognised and voted to repeal the law. The US Senate needs to do the same, swine producers lead by the NPPC have been against COOL from the beginning. US Swine producers need this legislation repealed before tariffs and lost markets take $10-20 per head off the market price.
The old saying most fearful words in the English language: “We are from the government and are here to help you” come to mind.
A vote is expected this week in Congress on a spending bill could have provision that could have repeal language for the Meat provisions in COOL. Let’s hope there is finally leadership to prevent the hurt coming from tariffs on the US Swine producers.
Sure not a good time to be selling hogs with the National Daily Base 53-54% 56.30¢/lb. Lots of hogs with over 2.426 million for the week marketed. Packers doing just fine with US pork Cutouts 74.41 giving them a solid $40 per head gross margin.
Notice the highest priced products are Ribs and Bellies. Flavour and Taste seem to bring more value than leaner cuts, a decade ago Loins and Hams lead the Cutout values. What does that tell us about consumer demand? Have we taken hogs too lean?
Chicken Industry does not appear to be expanding week upon week for the last while; Chick placement has been mostly lower. No more chicken helps Pork prices.
This past week we had visitors from Great Britain. In their market breaking even to a small profit. There are no gestation crates. Group Housing really accents the need for a calm sow with good feet and legs. Some of the current genetics are quite challenged to keep sow mortality and involuntary culling low. Also, consumers and retailers looking for better tasting Pork in Great Britain. A significant number of Genesus Purebred Registered Duroc Boars in production now and expanding. Taste & Flavour is becoming a more important buying criteria.

industry_corpus2: Agriculture & Fisheries


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Home | Blog | Pearls of Wisdom: What Problem is Congress Trying to Solve in the Financial Services Act?
Last week (7 July) the House of Representatives passed the Financial Services and General Government Act. This bill makes some changes to the Dodd-Frank Act, to address the major problem with the act that some members have observed.
Specifically, the House voted to deny funding of the Consumer Financial Protection Bureau’s (CFPB) proposed rules to rein in predatory payday lending. In reality, this is the first step by the House to dismantle the regulations that were created in 2009 to prevent the abuses of the previous decade which led to the financial crisis in 2007 and 2008.
Director of the CFPB Richard Cordray has been using the resources entrusted to him to try to accomplish consumer financial protection. The CFPB fundamentally operates differently than many other parts of the government – the major issue the House bill is trying to address.
Most parts of the government are supervised by the political arms. For example, the Department of Labor has written some rules to require people who give advice on how to invest your retirement account which they think is in your best interest. People in the financial advisor industry created a tiered campaign to explain to their congressional representatives how their industry works better when the advisors are allowed to give advice which they know is actually in the advisor’s best interest instead. Congressional representatives have required the Department of Labor officials to appear before them, have allocated their budget specifically disallowing them to pass their rule, and generally have been very active in their oversight of the Department of Labor.
The CFPB works differently. Because Senator Dodd and Representative Frank wanted the bureau to be more separate from the political parts of the government, the bureau gets its funding directly from fees which banks are required to pay. The director does not serve at the pleasure of the president, can only be dismissed for cause, and the bureau has been generally designed to be independent of the political branches.
This is a major problem for (again, some) members of Congress. They do not like meeting with the constituents who would suffer from CFPB regulations (executives of payday-lending companies, or sub-prime mortgage companies, or used car dealers who make most of their income from finance charges, etc.) and telling them that they can not solve their problems.
Forbid the CFPB to regulate payday lenders.
A majority of the House of Representatives believe that the problem that their constituents want them to solve is that wealthy financial services executives need to have more influence over the government. Elected officials are unavoidably more inclined to answer to organized efforts by a small number of financial services executives who have a vested interest in continuing to make money than to the many Americans trapped in debt who do not have the means to get in front of their elected officials.
I believe that the United States of America is the center of the financial world because of our strong regulatory system, not in spite of it. Making America safe for predatory lenders and fraudsters is the wrong thing to do, and will in fact do long term damage to the financial services industry. I do not believe that we should turn the regulatory calendar back to as it was ten years ago and help the financial services industry run a business model of trapping Americans into a debt cycle.

industry_corpus2: Finance & Economics


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to make 3 cups crushed berries. Set aside.
from top of cup to level for exact measure.
Bring to a boil on high heat, stirring constantly.
Stir pectin mixture into berry mixture.
Pour quickly into clean plastic containers within a 1/2-inch of tops.
Wipe off top edges of containers; cover with lids.
Let stand at room temperature for 24 hours to set.
For immediate use, store in refrigerator up to 3 weeks.
Freeze remaining containers up to 1 year.
To use, thaw in refrigerator.


text: Cute Forest Animals Applique 5 is a single design from the Cute Forest Animals Applique design set. Cute Forest Animals Applique is a delightful collection of woodland animal embroidery designs that will be sure to please. This collection comes in 3 sizes, one each for the 4x4, 5x7 and 6x10 hoops. PCS and SEW users please note that as your machines do not support the 5x7 or larger hoops, the 5x7 and larger sizes are not available in your format and PES has been provided instead. Wilcom EMB files are also included in the downloads for precise resizing with the Wilcom Truesizer software (a free resizing software available at the Wilcom website).


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East Tennessee Dodge Chrysler Jeep is a new and used Dodge, Ram, Chrysler, and Jeep Dealership, serving Cookeville, Sparta, Harriman, Oak Ridge, Livingston, Jamestown, and the entire Upper Cumberland area of East Tennessee from our Crossville Chrysler Dodge Jeep Ram Dealership. Throughout the years, we have established a solid reputation of providing honest and exceptional levels of customer service to each and every one of our customers. Whether you are looking for a new Chrysler, Dodge, Jeep, Ram, or a high quality low cost used car, truck, minivan, or SUV, East Tennessee Dodge Chrysler Jeep has it all for a great low price!
With competitively priced new Chrysler, Dodge, Jeep, and Ram vehicles, money saving New Car Specials, New Car Incentives that rival our competition, affordable auto financing on approved credit, and easy online Trade Evaluation, East Tennessee Dodge has it all for a new car dealership near you. Make the short trip from anywhere in the Upper Cumberland area of East Tennessee today to save on a new vehicle at our Crossville, Tennessee Chrysler Dodge Jeep Ram Dealership.
East Tennessee Dodge maintains an expansive Used Car Inventory for sale to customers living in Cookeville, Sparta, Harriman, Oak Ridge, Livingston, and Jamestown TN. Every vehicle in our pre-owned car inventory is put through a multi-point inspection by an ASE Certified Technician. Each vehicle is then fully detailed, and ready for immediate delivery. Our Upper Cumberland Used Car Dealership is stocked with all the most popular pre-owned vehicles from Dodge, Chrysler, Jeep, Ram, Ford, Chevrolet, Honda, Toyota, Nissan, Lincoln, BMW, Mercedes Benz, Lexus, Acura, Hyundai, and Kia at prices our customers living in East Tennessee can afford. If you don't see the used car you are looking for please use our CarFinder and we will locate it for you!
Need financing on a Chrysler, Dodge, Jeep, or Ram truck in the Upper Cumberland region? The Finance Professionals at East Tennessee Dodge Chrysler Jeep are available to help you today. Even if you have bad credit, bankruptcy, or a first time buyer with no credit, you can trust East Tennessee Dodge Chrysler Jeep to work with you to obtain financing. We believe we can get an approval for everyone! Our Finance Department works with a network of lenders throughout the nation to get you excellent rates on a car loan or lease! Start with the car buying process to get Pre-Approved for an auto loan today using our secure Chrysler Credit Application online from anywhere in the Upper Cumberland area of East Tennessee.
East Tennessee Dodge is your center for commercial vehicle sales in the East Tennessee region. Whether your business is in Knoxville, Cookeville, Sparta, Lenoir City, or right here in Crossville, we have the Dodge commercial trucks you need to get the job done. Don't skimp on productivity for you or your employees - get the right transportation and tools you need to succeed. The vehicle fleet sales experts at East Tennessee Dodge can help you navigate the Dodge commercial trucks that are right for your business needs. The BusinessLink program we have available is designed to support your business by providing you and your business exclusive benefits. Do not hesitate to contact the commercial and fleet vehicle sales experts at East Tennessee Dodge today!
The East Tennessee Dodge Chrysler Jeep Service Center employs a team of highly qualified technicians who are focused on providing exceptional service in a timely manner. You can easily schedule auto service online with our Service Appointment Request. Whether changing your oil, replacing your brake pads, or performing a Tennessee State Inspection in Crossville on your vehicle, we always maintain the highest standards for delivering the best service possible, every time! East Tennessee Dodge employs Cummins Diesel Master Mechanics to service your Ram Heavy Duty Truck promptly. Even if your Cummins Diesel is installed in a Ram 2500, Ram 3500, or Ram Chassis Cab, our MOPAR Service Center can repair your Cummins Diesel equipped Ram truck at a fair price and get you back on the road fast. Call (888) 378- 7154 today to schedule service at East Tennessee Dodge Chrysler Jeep.
With a comprehensive inventory of Chrysler, Dodge, Jeep, Ram and MOPAR Parts and Accessories in stock, the Mopar Parts Department at East Tennessee Dodge Chrysler Jeep in Crossville is prepared to answer all of your parts inquiries. We carry a full line of MOPAR Parts for all Chrysler, Dodge, Jeep, or Ram vehicles. Our Crossville TN Dodge Ram Chrysler Jeep Dealership also carries a full line of MOPAR collision repair parts to fix auto body damage on your Chrysler, Dodge, Jeep, or Ram truck. Contact our knowledgeable MOPAR Parts Staff with any parts questions you have today. Should we not carry a part, we can order it and usually have it in one business day. If you already know the part number of your desired part, please fill out our Parts Order Form today online anywhere in East Tennessee.

industry_corpus2: Automobiles


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industry_corpus2: Manufacturing


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Holyhead Hotspur continued their much improved form of late by knocking holders Flint Town United out of this season’s Huws Gray Alliance League Cup at the Silkmen’s own Cae y Castell in the first round.
Much fancied Flint who won the trophy at the end of last season against Gresford Athletic can have few complaints as Darren Garmey’s men were full value for their success. The two first half goals from Jamie Mc Daid and captain Alex Jones seeing the Holy Islanders into the quarter finals on October 9th and a late reply by the hosts not enough to extra time which would have been rough justice on the battling Hotspur outfit.
Resolute at the back, enterprising in midfield with Mc Dai and Luke Mc Givern working their socks off up front the ‘depleted’ visitors did their manager proud turning the form book and league positions upside down against a Flint side who ran in seven goals last weekend are amongst the early pacesetters.
Thje delighted manager Garmey said after the game ‘ I was proud of the ways the players stuck at it throughout the whole game’ adding ‘we need to keep it going and take it to our next game a league fixture at longh distance Penrhyncoch this coming Saturday and the next home match against Porthmadog on Wednesday evening 26th September’ kick off 7.30pm.
Hotspur started well but the hosts came close on 8 minutes when Rees Brown had to clear the ball from near his line and on 10 Carl Jones the away keeper missed his punch and the ball was thankfully cleared by a defender. Nip and tuck for the next 20 minutes but on 31 Harry Galleeotti make progress into the Flint box but was well tackled when about to shoot. However four minutes later on 35 Hotspur went ahead when Cory Jones threaded a fine ball through into Jamie Mc Daid’s path, and the striker in the Flint box and well placed delayed a few seconds and before cleverly seeing an opening drilled his shot into the far corner for a really wsell taken goal. Mc Daid’s game has been transformed with him leading the line in the past three matches .
Two minutes later Mc Daid again wriggled through but this time shot over the bar. Flint with their slow build up where being shut down well by the Hotspur defence although they had much possession. In added time on the first half Hotspur added a second goal and eventually the deciding one when a corner from the left by Dean Garmey saw central defender and captain Alex Jones head the ball home between keeper Arfon Jones and the back upright for a two goal cushion lead at half time Half Time 0 – 2.
Hotspur knew that they would be put under pressure in the second half and on 48 minutes former Hotspur striker Damien Ketley made a fine run finding Mark Cadwallader who shot a great chance over the bar for a bad miss. With Flint pushing forward just after the hour Mc Daid found Luke Mc Givern in acres of space but his shot on goal was scuffed and the chance was gone to make it three. Flint had further opportunities to come back into the game but Cadwallader again and Kyle Smith were to rue poor efforts from promising positions when they did sometimes break through the resolute Hotspur defence. On 80 Flint got the ball in the net but the effort was ruled off side. After this the Flint side were piling on the pressure but Hotspur’s defence was unruffled until in the 4th minute of added time they scored. Carl Jones made a great double block but the ball ran lopopse to Mark Cadwallader who shot home. Still piling on the pressure but Hotspur held out for a famous win.


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Multiple online forums reporting this issue with all print vendor’s, since none of the online sites reporting this issue have a fix attached from Microsoft or Apple, here is one that will resolve it, the only change would be PPD/Driver locations.
- Microsoft Office 2016 application will crash when attempting to print from OSX 10.11 and OSX 10.12.
o Open up any Office 2016 application, in this case open MS Word 2016.
o On the Apple file menu, click help, and then click “check for updates”.
o Perform all of the Office updates.
- Perform any outstanding Apple updates for OSX 10.12.
- Reboot the Apple PC.


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Everybody, in this video you will continue learning Unix Command Line interface.
Today we will learn some handy commands to control processes running on your server.
what processes run and how much memory they are using and so on.
The free command displays the total amount of free and used memory.
There are also a lot of functions to manage free output.
it will show us some information about the usage of memory as you can see in the example.
you can paste the free minus_g option to free print file sizes in gigabytes.
The top command provides a dynamic real-time view of a running system.
Sometimes, it's very informative and useful.
It may help to shed some light on what is happening in this area in the real time.
Here you can see an example of the top output.
The ps command provides a snapshot of the status of currently running processes.
it will show you a report about the currently running processes.
There are a number of allowed options to specify the output of ps.
sessions leaders and the processes not associated with a terminal.
You can do it by setting the a option to ps.
As a result, you can see that we've got two more processes in our report.
The next command to learn is, kill.
Sounds a bit evil, isn't it?
where the default signal is terminate or kill.
That is why you must be really careful with this command and with the process you choose.
Please read the manual carefully before using it.
if it possible to be killed.
Assume you were on the top process in one type of terminal.
Let's now try to kill it with the help of the kill command.
For doing this, you need to know the process id for the top process.
To discover it, let's run the ps command and find the top there.
Here goes the process id for a top process.
kill minus_nine process id. That's it.
Now let's check if the top process is really killed.
The easiest way of doing it is just run the ps command again and check.
Is there a top process among the list of processes?
You can see the top process is disappeared from the list of effective processes.
The last command should be nice, shouldn't it?
Nice bash command which runs the command with a modified scheduling priority.
and vice versa is also possible.
but this is still nice.
command nice for a just the command niceness.
which means that it's time to move on and go to the next lesson.
Good luck with your study and hope to see later.


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If you're a retailer who would love some Baby Dee and Me products in your shop, we're pleased to be able to offer wholesale.
Contact us for more information, and keep an eye out for our lookbooks (coming soon!).


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You're all set! Confirm you want deals for Fairfield Inn & Suites by Marriott Canton in -zip-?
Fairfield Inn & Suites Canton is dedicated to serving their guests. This Marriott hotel offers guests clean, spacious rooms with free WiFi and work desk, free breakfast daily, an indoor pool and hot tub, along with a 24 hour fitness center.


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Welcome to Year 2, where we team hard work with lots of fun!
Our Spring topic is The Arctic and Antarctic. We will start by looking at Continents and Oceans. As the children enjoyed learning about the Titanic so much we have decided to begin exploring this through mapping the journey and looking at the globe. We will then look at habitats and animals specific to these regions, people who survive here and explorers.
Children are expected to be as independent as possible by taking responsibility for; handing in homework, changing their independent reading book correctly, looking after their toast money, as well as taking care of their own P.E kit and school uniform. This will help them to develop increased responsibility for their own learning and the choices they make as they move through the school.
Children should read each night with a parent or older sibling. They will be allowed to change reading books once they have completed the book and are able to read and discuss it confidently. Your child’s progress will be monitored through comments in reading diaries as well as reading done with the children in school. The children will move through the reading bands when they have acquired the skill to read the books fluently and understand the text confidently. If children do not have time to read at home, a member of the Year 2 team will read with them for five minutes during playtime.
This term we are introducing accelerated reader. Below summarises the benefits of AR.
It's all about practise. AR encourages substantial differentiated reading practise to create strong readers. Based on each student's independent reading level, AR helps teachers set personalized goals for each student, and guide students to books that are difficult enough to keep them challenged, but not so difficult as to cause frustration. In addition, AR helps teachers monitor students' vocabulary growth, literacy skills development, and other reading skills.
of their ZPD and gradually move up the range in order to make optimum progress.
taking AR Quizzes, including laptops, PCs and tablets as well as through the AR Student App available on Apple® devices.
instruction or intervention. Students and parents get instant feedback to help motivate success with the use of Renaissance Home Connect.
Homework will be sent out in line with the new School Homework Policy.
Each week the children will bring home a copy of their weekly spellings to practise at home. They will also receive a piece of English or Maths homework each week.
Toast, crumpets, teacakes and juice are available to children for a morning snack. The maximum amount of money your child will need each day is 55p, this will allow them to buy a snack and a drink. Taking responsibility for their own money is part of your child’s development, we ask that money is brought to school in a secure purse every-day to ensure the money is safe and that any change given can be returned at the end of each day. Alternatively you can provide a healthy snack e.g. fruit to ensure we are following the healthy eating policy we try to deter from snacks such as crisps, chocolate and sweets.
The children take part within two sessions of P.E every week on Wednesday and Thursday. They will need a full P.E kit consisting of shorts, T-shirt and a pair of black pumps which adhere to the school uniform policy. Earrings cannot be worn during the P.E session therefore it is greatly appreciated if parents take earrings out before school, this will also ensure that jewellery is not lost.