Case Analysis Essay Example | Topics and Well Written Essays - 250 words - 1

Case Analysis - Essay Example ith the bank for the sole purpose of availing of the home loan, he should have been made aware that applying for a loan does not necessarily indicate that he could immediately be approved just because he has an account with the bank. As stipulated, the home loans at low interest rates were offered for account holders; meaning, those who have had established a historical experience as an account holder for a considerable amount of time could avail of the home loan (but does not guarantee approval). As he was an account holder and assuming he met all the requirements needed to avail of the home loan within the two-month period, his application could still have been processed, as promised and he could follow up with the loan officer the decision on his home loan application. Still, it does not guarantee that his application would be approved. In this regard, Sam could not sue the bank simply on the premise that the bank withdrew the offer toward the end of the second month, since there could also be valid reasons for this. Taking it from the perspective of the bank, their legal department is sure to have covered all the rules and laws pertinent to making the promotional offer and must have stipulated that they have to option to withdraw the offer for reasons beyond their control (like a bad turn of the economy; stipulations from the government, like what happened with sub-prime mortgage loans; and no account holder qualified to avail of the home

Pacific Island and significant human migration to this group Essay

Pacific Island and significant human migration to this group - Essay Example The paper tells that human migration for instance to the Pacific Islands, despite how indiscrete their topology and distribution is, can satisfactorily be analyzed today with advancements in study techniques available. Mention must be made of genetic techniques that have proven to be vital in the field of anthropology, with a rare level accuracy and specificity. Pacific anthropological studies have widely been performed, especially regarding human migration to the region, to unravel astonishing discoveries of how this was possible. Based on geographical divisions of the main Pacific into the three main Islands, anthropological studies have been facilitated. These main groups of islands are Polynesia, Melanesia, and Micronesia. Perhaps, it would be a significant step in studying the geographic location of the Islands, to understand the relationship of the Islands with the source of their inhabitants; the continents. Pacific Islands are named after the ocean in which they are found in; the Pacific Ocean, which covers a third of the earth’s surface. Generally, there are about 30,000 Islands in the Pacific Ocean, with a wide geographical distribution touching several continents namely; Antarctica, Asia, North and South America as well as Australia. As earlier mentioned, the major group of islands both in numbers and size are mainly three (Melanesia, Micronesia, and Polynesia), with a similarity in their south of Tropic of Cancer location. Melanesia (black islands), include New Guinea and the surrounding islands near North America. Micronesia (small islands) covers Kiribati and the islands around it, most of which are found to the north of the equator.