Stephen Crane Essays - Stephen Crane, The Open Boat

Stephen Crane Stephen Crane was the youngest of fourteen children. His father was a strict Methodist minister, who died in 1880, leaving his devout, strong mother to raise the rest of the family. Crane lasted through preparatory school, but spent less than two years in college, excelling at Syracuse in baseball and partying far more than academics. After leaving school, he went to live in New York, doing freelance writing and working on his first book Maggie, A Girl of the Streets. His times in New York City were split between his apartment in the Bowery slum in Manhattan and well-off family in the nearby town of Port Jervis. Crane published Maggie, a study of an innocent slum girl and her downfall in a world of prostitution and abuse, in 1893 at his own expense. It was especially scandalous for the times, and sold few copies. It did attract the attention of other critics and writers, most notably William Dean Howells, who helped Crane receive backing for his next project, The Red Badge of Courage. Published in 1895, The Red Badge was quite different from Maggie in style and approach, and brought Crane international fame and quite a bit of money. Rather than plod through moral tropes, the book is subtle and imagistic, while still being firmly entrenched in the realism of the late 1890's in America. Crane's rich portrayal of Henry Fleming's growth through the trials and terrors of a Civil War battle betray the fact that he himself had not yet seen any fighting or battles when he wrote the book. Many veterans of the Civil War (only thirty years had gone by since its end) praised the book for capturing the feelings and pictures of actual combat. Bolstered by the success of The Red Badge and his book of poetry The Black Riders, Crane became subsumed with ideas of war. He was hired to go to Cuba as a journalist to report on the rebellion there against the Spanish. On the way to the island, Crane was in a shipwreck, from which he was originally reported dead. He rowed to shore in a dinghy, along with three other men, having to swim to shore and drop his money in the sea to prevent from drowning. This experience directly led to his most famous short story "The Open Boat" (1897). For various reasons, Crane stopped writing novels during this time and moved primarily to short stories?probably because they could sell in magazines better but also because he was constantly moving. When staying in Jacksonville, Florida, he met the owner of a brothel, Cora Taylor. She accompanied him to Greece as he reported on the Greco-Turkish War for New York newspapers; and stayed with him until the end of his life. At this point, rumors abounded about Crane, few of them good. There was talk of drug addiction, rampant promiscuity, and even Satanism, none of them true. Crane was disgusted with them and eventually relocated to England. After reporting on the Spanish-American War and Theodore Roosevelt's famed Rough Riders, Crane returned home to England. He then drove himself deeply into debt by throwing huge, expensive parties, reportedly at Cora Taylor's insistence. While he could now count Joseph Conrad, H. G. Wells, and other authors in his circle, most people sponged off of Crane and his lavishness. He worked on a novel about the Greek War and continued writing short stories and poetry, at this point to pay off his large debts. The stress of this life, compounded by an almost blatant disregard for his own health, led to his contracting tuberculosis. He died while in Baden, Germany, trying to recover from this illness. He was not yet 29 years old.

Understanding Atomic Radius Trends The 2 Key Principles

Understanding Atomic Radius Trends The 2 Key Principles SAT / ACT Prep Online Guides and Tips Need information on atomic radius trends? What's the trend for atomic radius? In this guide, we’ll clearly explain atomic radius trends and how they work. We’ll also discuss exceptions to the trends and how you can use this information as part of a broader understanding of chemistry. Before we dive into atomic radius trends, let’s review some basic terms. An atom is a basic unit of a chemical element, such as hydrogen, helium, potassium, etc. A radius is the distance between the center of an object and its outer edge. An atomic radius is one-half the distance between the nuclei of two atoms. Atomic radii are measured in picometers (one picometer is equal to one trillionth of a meter). Hydrogen (H) has the smallest average atomic radius at about 25 pm, while caesium (Cs) has the largest average radius at about 260 pm. What Are the Atomic Radius Trends? What Causes Them? There are two main atomic radius trends. One atomic radius trend occurs as you move left to right across the periodic table (moving within a period), and the other trend occurs when you move from the top of the periodic table down (moving within a group). Below is a periodic table with arrows showing how atomic radii change to help you understand and visualize each atomic radius trend. At the end of this section is a chart with the estimated empirical atomic radius for each element. Atomic Radius Trend 1: Atomic Radii Decrease From Left to Right Across a Period The first atomic radius periodic trend is that atomic size decreases as you move left to right across a period. Within a period of elements, each new electron is added to the same shell. When an electron is added, a new proton is also added to the nucleus, which gives the nucleus a stronger positive charge and a greater nuclear attraction. This means that, as more protons are added, the nucleus gets a stronger positive charge which then attracts the electrons more strongly and pulls them closer to the atom’s nucleus. The electrons being pulled closer to the nucleus makes the atom’s radius smaller. Comparing carbon (C) with an atomic number of 6 and fluorine (F) with an atomic number of 9, we can tell that, based on atomic radius trends, a carbon atom will have a larger radius than a fluorine atom since the three additional protons the fluorine has will pull its electrons closer to the nucleus and shrink the fluorine's radius. And this is true; carbon has an average atomic radius of about 70 pm while fluorine’s is about 50 pm. Atomic Radius Trend 2: Atomic Radii Increase as You Move Down a Group The second atomic radius periodic trend is that atomic radii increase as you move downwards in a group in the periodic table. For each group you move down, the atom gets an additional electron shell. Each new shell is further away from the nucleus of the atom, which increases the atomic radius. While you may think the valence electrons (those in the outermost shell) would be attracted to the nucleus, electron shielding prevents that from happening. Electron shielding refers to a decreased attraction between outer electrons and the nucleus of an atom whenever the atom has more than one electron shell. So, because of electron shielding, the valence electrons don’t get particularly close to the center of the atom, and because they can’t get that close, the atom has a larger radius. As an example, potassium (K) has a larger average atomic radius (220 pm)than sodium (Na) does (180 pm). The potassium atom has an extra electron shell compared to the sodium atom, which means its valence electrons are further from the nucleus, giving potassium a larger atomic radius. Empirical Atomic Radii Atomic Number Symbol Element Name Empirical Atomic Radius (pm) 1 H Hydrogen 25 2 He Helium No data 3 Li Lithium 145 4 Be Beryllium 105 5 B Boron 85 6 C Carbon 70 7 N Nitrogen 65 8 O Oxygen 60 9 F Fluorine 50 10 Ne Neon No data 11 Na Sodium 180 12 Mg Magnesium 150 13 Al Aluminum 125 14 Si Silicon 110 15 P Phosphorus 100 16 S Sulfur 100 17 Cl Chlorine 100 18 Ar Argon No data 19 K Potassium 220 20 Ca Calcium 180 21 Sc Scandium 160 22 Ti Titanium 140 23 V Vanadium 135 24 Cr Chromium 140 25 Mn Manganese 140 26 Fe Iron 140 27 Co Cobalt 135 28 Ni Nickel 135 29 Cu Copper 135 30 Zn Zinc 135 31 Ga Gallium 130 32 Ge Germanium 125 33 As Arsenic 115 34 Se Selenium 115 35 Br Bromine 115 36 Kr Krypton No data 37 Rb Rubidium 235 38 Sr Strontium 200 39 Y Yttrium 180 40 Zr Zirconium 155 41 Nb Niobium 145 42 Mo Molybdenum 145 43 Tc Technetium 135 44 Ru Ruthenium 130 45 Rh Rhodium 135 46 Pd Palladium 140 47 Ag Silver 160 48 Cd Cadmium 155 49 In Indium 155 50 Sn Tin 145 51 Sb Antimony 145 52 Te Tellurium 140 53 I Iodine 140 54 Xe Xenon No data 55 Cs Caesium 260 56 Ba Barium 215 57 La Lanthanum 195 58 Ce Cerium 185 59 Pr Praseodymium 185 60 Nd Neodymium 185 61 Pm Promethium 185 62 Sm Samarium 185 63 Eu Europium 185 64 Gd Gadolinium 180 65 Tb Terbium 175 66 Dy Dysprosium 175 67 Ho Holmium 175 68 Er Erbium 175 69 Tm Thulium 175 70 Yb Ytterbium 175 71 Lu Lutetium 175 72 Hf Hafnium 155 73 Ta Tantalum 145 74 W Tungsten 135 75 Re Rhenium 135 76 Os Osmium 130 77 Ir Iridium 135 78 Pt Platinum 135 79 Au Gold 135 80 Hg Mercury 150 81 Tl Thallium 190 82 Pb Lead 180 83 Bi Bismuth 160 84 Po Polonium 190 85 At Astatine No data 86 Rn Radon No data 87 Fr Francium No data 88 Ra Radium 215 89 Ac Actinium 195 90 Th Thorium 180 91 Pa Protactinium 180 92 U Uranium 175 93 Np Neptunium 175 94 Pu Plutonium 175 95 Am Americium 175 96 Cm Curium No data 97 Bk Berkelium No data 98 Cf Californium No data 99 Es Einsteinium No data 100 Fm Fermium No data 101 Md Mendelevium No data 102 No Nobelium No data 103 Lr Lawrencium No data 104 Rf Rutherfordium No data 105 Db Dubnium No data 106 Sg Seaborgium No data 107 Bh Bohrium No data 108 Hs Hassium No data 109 Mt Meitnerium No data 110 Ds Darmstadtium No data 111 Rg Roentgenium No data 112 Cn Copernicium No data 113 Nh Nihonium No data 114 Fl Flerovium No data 115 Mc Moscovium No data 116 Lv Livermorium No data 117 Ts Tennessine No data 118 Og Oganesson No data Source: Webelements 3 Exceptions to the Atomic Radius Trends The two atomic radius trends we discussed above are true for the majority of the periodic table of elements. However, there are a few exceptions to these trends. One exception is the noble gases. The six noble gases, in group 18 of the periodic table, are helium (He), neon (Ne), argon (Ar), krypton (Kr), xenon (Xe), and radon (Rn). The noble gases are an exception because they bond differently than other atoms, and noble gas atoms don't get as close to each other when they bond. Because atomic radius is half the distance between the nuclei of two atoms, how close those atoms are to each other affects atomic radius. Each of the noble gases has their outermost electron shell completely filled, which means multiple noble gas atoms are held together by Van der Waals forces rather than through bonds. Van der Waals forces aren't as strong as covalent bonds, so two atoms connected by Van der Waals forces don't get as close to each other as two atoms connected by a covalent bond. This means the radii of the noble gases would be overestimated if we attempted to find their empirical radii, so none of the noble gases have an empirical radius and thus don't follow the atomic radius trends. Below is a very simplified diagram of four atoms, all about the same size. The top two atoms are connected by a covalent bond, which causes some overlap between the atoms. The bottom two atoms are noble gas atoms, and they are connected by Van der Waals forces that don't allow the atoms to get as close together. The red arrows represent the distance between the nuclei. Half of this distance is equal to atomic radius. As you can see, even though all four atoms are about the same size, the noble gas radius is much larger than the radius of the other atoms. Comparing the two radii would make the noble gas atoms look bigger, even though they're not. Including noble gas radii would give people an inaccurate idea of how big noble gas atoms are. Because noble gas atoms bond differently, their radii can't be compared to the radii of other atoms, so they don't follow atomic radius trends. Other exceptions include the lanthanide series and actinide series at the bottom of the periodic table. These groups of elements differ from much of the rest of the periodic table and don’t follow many trends the other elements do. Neither series has a clear atomic radius trend. How Can You Use This Information? While you probably won’t need to know the atomic radius of various elements in your day-to-day life, this information can still be helpful if you’re studying chemistry or another related field. Once you understand each key atomic radius period trend, it makes it easier to understand other information about the elements. For example, you can remember that noble gases are an exception to the atomic radius trends because they have a full outer electron shell. These outer electron shells also make the noble gases inert and stable. That stability can be handy. For example, balloons are typically filled with helium, not hydrogen, because helium is much more stable and therefore less flammable and safer to use. You can also use atomic radii to estimate how reactive different elements will be. Atoms with smaller radii are more reactive than atoms with larger radii. The halogens (in group 17) have the smallest average radii in the periodic table. Fluorine has the smallest atomic radius of the halogens (which makes sense based on the trends), and that makes it highly reactive. Just adding fluorine to water will produce flames as the fluorine turns into a gas. Summary: Periodic Trends Atomic Radius There are two main atomic radius trends. The first atomic radius periodic trend is that atomic radii increase as you move downwards in a group. This is due to electron shielding. When an additional shell is added, those new electrons are farther from the atom’s nucleus, which increases atomic radius. The second atomic radius periodic trend is that atomic size decreases moving left to right across a period because the atom’s stronger positive charge due to having more protons attracts the electrons more strongly and pulls them closer to the nucleus, reducing the size of the atom. There are a few exceptions to these trends, noticeably the noble gases which don’t form bonds the way most other atoms do, and the lanthanide and actinide series. You can use this information to better understand the periodic table, how atoms bond, and why certain elements are more reactive than others.

Personal education utopia Essay Example | Topics and Well Written Essays - 1500 words

Personal education utopia - Essay Example Rawls viewed education as an opportunity for people to progress and transform their lives and an egalitarian society would be the one, which would provide â€Å"equality of opportunity†. This would mean that every child, regardless of his or her background, race, cast, color, creed, language, culture, ethnicity, social class, and others (Levitas, pp. 87-89), would receive the same opportunity to educate him or her and stand in lines with other (Schubert, pp. 67-68). Important here to note is that this equality of opportunity would not only mean that state would take up the responsibility for the education of its students and would pay all the expenses in this regard but it would also mean that all the resources and tools which complement educational progress would also be divided equally. For example, children from poor families or lower middle class families fail to afford computer, continued internet access, educational gadgets, personal transport, access to libraries, abili ty to hire private tutors and others (Halpin, pp. 78-79).For example, no student would have the permission or access to come to school by his or her own car and everywhere would come through school bus. Important here to note is the fact that under education would no longer remain a choice for the governments. They will not be able to label educational spending as expenditure but as an investment, an ongoing investment, whose investment levels even the governments could not cut down (Winch & Gingell, pp. 13-14; Levitas, pp. 87-89).

SOCIAL EFFECTS OF HURRICANE KATRINA Essay Example | Topics and Well Written Essays - 2500 words

SOCIAL EFFECTS OF HURRICANE KATRINA - Essay Example After some days of disaster, the flood water gradually went down so that officials could identify the losses caused by the Katrina. Although the deaths had been estimated as 10,000 in New Orleans, the actual numbers were much more than that. Dead bodies were found even after six months from the disaster. Louisiana lost 1,080 people out of the confirmed deaths whereas it was more than 200 in the case of Mississippi. The elderly people had been mainly struck by the disaster and 75% of them lost their life out of 15% elderly population of New Orleans (66-67). In addition to the massive deaths, there were countless people who got seriously injured. At the same time, many people missed their family members and they did not get any information about their loved ones. Similarly, huge numbers of animals, birds and other pets also perished. Although the rescue volunteers had saved number of animals from the damaged building parts, they could not properly handover these animals to their master s. The intensity of the disaster was immeasurable for it destroyed acres of land and trees and thereby a wide range of mammals and reptiles lost their habitats. The violent attack of Katrina shattered a large number of people who had mainly depended on fishing and forestry. Gallons of oil spilled across various parts of the country including Gulf coast and neighborhoods of St. Bernard Parish (Palser). The oil components and other chemicals were mixed together and formed different toxic compounds. Scientists reported that this mixture compounds would affect the ecosystem for decades. The remnants of the buildings caused many allergic reactions and breathing problems. Similarly, large amounts of sludge formed across the affected parts of the United States; it dried later thereby the dust mixed with air, which caused adverse health problems. The Hurricane Katrina produced heaps of dirt in the cities, which would result in sequences of immunity problems. Although officials had declared that the city was safe enough to live, some scientists disagreed with the argument since they could find some poisoning substances in the soil (Palser). The Hurricane Katrina was the most ‘expensive’ natural disaster in the US history. The government spent billions of dollars for the rescue operations, financial assistance, and rehabilitation activities. There are no accurate data available on indirect financial losses such as job losses, impact on fishing and forestry, and other soil related consequences. The disaster also raised some political problems in US due to the delayed governmental response; and it led to the resignation of Michael brown, the head of FEMA. Likewise, great dilemma prevailed regarding the renovation of the city, New Orleans. The FEMA took considerable efforts in structuring schooling facilities in the city. Part II Rehabilitation After the flames of the disaster had been removed, there arose a cumbersome task of rebuilding the cities and providi ng rehabilitation to people. Since the Katrina completely swept away the whole and soul of the affected cities, the government had to take huge efforts to rebuild the town from ‘vacuum’. As we described above different politicians had different views on the matter. Similarly, some people argued that New Orleans should not be rebuilt (Palser, 2007, p.79). They pointed out that

Environmental Science in Todays World Essay Example for Free

Environmental Science in Todays World Essay Humans so dominate today’s world that there is no ecosystem on earth that has not been influenced to a greater or lesser degree of human activities. And, as long as humans remain on earth, such influence will not end. Sustainability will depend on learning to channel our efforts so that we play a positive supporting role as opposed to a destructive role toward ecosystems (Nebel Wright, 1993). Environmental risk is a reality of today’s world. The seemingly endless supply of synthetic chemicals, consumer goods, energy, and waste create new risks through chemical contamination, pollution, and environmental degradation. Environmental disasters such as chemical spills or explosions threaten millions of people living in the vicinity of manufacturing or storage facilities. The uncertain risks of global warming and ozone depletion loom ahead. A central factor of environmental risk is that it is usually involuntary. People do not choose to ingest chemical pollutants such as pesticides or industrial solvents in their food and water, to undergo workplace exposures to dangerous chemicals, to breathe polluted air, or to experience radiation exposure from nuclear fallout or faulty nuclear power plants. These environmental risks pose a unique problem to regulators charged with protecting the public health. Limited information may be available on the health effects of these risks. Consequently, in an effort to protect the public’s health, various government agencies study these potential hazards to determine the level of risk they pose. This effort to understand these risks, and to quantify their impact on human health, is the field of risk analysis (Moore, 2002). The scale of human occupation and transformation of the environment is now truly global. The adverse health effects of this ignorance may have been limited, as the environmental damage was on a local scale. However, in today’s world our activities are having an impact at a global scale, and global environmental change will become a major theme in public health research, social policy and development, and political advocacy in the 21st century. The conceptualization of the environment as a global public good for health should go some way not only in increasing an appreciation for this heritage and dependency, but should also enhance the interface between research and policy. This increased awareness and interface between key stakeholders might lead to effective action to ensure a sustainable future for current and future generations (Hester Harrison, 2002).

The Importance of Emilia in Shakespeares Othello Essay -- GCSE Course

The Importance of Emilia in Shakespeare's Othello In Othello the Moor, Shakespeare combines destiny with a fatal character flaw and that flaw is jealousy.   Shakespeare's tragedy allows one character to hold the key to the entire web he has spun and that character is Emilia. Emilia is the lone character who garners the knowledge to all circumstances of the events surrounding the characters in Othello the Moor.   Although other characters in the play are privy to certain details of the unfolding events, Emilia is the character that uses this knowledge to the benefit of the play.   Emilia's character is minor yet necessary.   Without her character the play would have no means of unraveling the confusion created by the author.   Emilia, wife of Iago, should be questioned of her loyalty and commitment to both her husband and her dear friend, Desdemona.   The character of Emilia has only eight short parts in the play and of those parts only two are with the lead character of Othello.   Her character only interacts with Iago and Desdemona.   The first encounter between Othello and Emilia is in Act IV, Scene II.   Emilia assures Othello of Desdemona's true love and faithful manner.   Othello questioned Emilia "You have seen nothing, then?" "Nor ever heard, nor ever did suspect." (Shakespeare, Act IV, Scene II, page 1107) replied Emilia.   Emilia is telling the truth.   She knows for a fact that Desdemona has been faithful to her husband and that she loves him wholly.   But in Shakespeare's style of character development; Emilia is playing coy to the fact that her husband has lead Othello to believe differently.   Emilia is now the only character to have direct interaction with Othello, Desdemona and her husband and be knowledgeable of her hu... ... got to be assumed as a fateful event.   As Shakespeare said, ""It is not in the stars to hold our destiny but in ourselves." Works Cited and Consulted Bayley, John. Shakespeare and Tragedy. Boston: Routledge & Kegan Paul Ltd., 1981. Bradley, A. C.. Shakespearean Tragedy. New York: Penguin, 1991. Campbell, Lily B. Shakespeare’s Tragic Heroes. New York: Barnes and Noble, Inc., 1970. Di Yanni, Robert. â€Å"Emilia's Character Revealed Through Dialogue.† Readings on The Tragedies. Ed. Clarice Swisher. San Diego: Greenhaven Press, 1996. Reprint from Literature. N. p.: Random House, 1986. Kermode, Frank. â€Å"Othello, the Moor of Venice.† The Riverside Shakespeare. Ed. G. Blakemore Evans. Boston, MA: Houghton Mifflin Co., 1974. Mack, Maynard. Everybody’s Shakespeare: Reflections Chiefly on the Tragedies. Lincoln, NB: University of Nebraska Press, 1993.

Global Financial Corporation Essay

Global Financial Corporation (GF) a subsidiary of Global Equipment Company (GEC) is tasked with handling financing for those customers who wish to purchase GEC heavy equipment. Currently GF only processes 51% of the leases within the â€Å"10 days or less† time frame, with some loans taking up above 41 days. Ms. Rodriguez, the Vice President of GF has been directed to decrease loan processing time to 10 days or less with the current staff she has. The current structure of the analysis and evaluation stage does not maximize staff time effectively and as a consequence creates a bottleneck in the process. We recommend switching to a case manager structure. lLan applications can be processed and completed in approximately 3 days. This would allow for an increase in volume to 255 without adding staff (assuming 60% are remain new applications), which is a 16.9% increase, exceeding the 10% anticipated application increase. Background Global Financial Corporation (GF) a subsidiary of Global Equipment Company (GEC) is tasked with handling financing for those customers who wish to purchase GEC heavy equipment. Due to the expense of the equipment many customers chose to finance the purchase with a lease agreement. Currently these loans are processed at GF Bakersfield location, which employs 14 people. A competitor of GEC has promised processing of financing in â€Å"10 days or less†. Currently GF only processes 51% of the leases within the â€Å"10 days or less† time frame, with some loans taking up above 41 days. Ms. Rodriguez, the Vice President of GF has been directed to decrease loan processing time with the current staff she has. Problems The Bakersfield office is operating at only 86% of capacity utilizing 2990.5 hours of processing time (full capacity 3485 hours). In October they processed 218 applications, 89 were standards and 129 were News. The analysis by region shows that Region 1 is handling the most applications at 78 (52 new, highest number among the different regions), averaging 126.7 hours which, equates to 20.1 days. Region 2 is only handling a total of 66 applications (35 new) with an average processing time of 5.7 days, and Region 3 handling 74 applications (42 new), averaging 8.7 days. The Northeast office handles about 35% more applications with essentially the same staff. Only 51% of the applications are processed within the 10 day or less requirement. Analysis of the Current Processing Steps 1. Analysis and evaluation stage is a single channel, interest rate multi channel, loan terms single channel, and final issuing a multichannel. (Exhibit A)The current structure of the analysis and evaluation stage does not maximize staff time effectively and as a consequence creates a bottleneck in the process. With the single channel structure loan applications are unevenly distributed among teams and create higher idle time for teams with less volume of loan applications to process. Utilization among regions varies greatly between 73% – 95%. The following observation of the current structure was achieved using the MMK model (See exhibit B): * Expected wait time in the system for an application in Region 1 is approximately 37 days, with actual processing time of 14.10 hours. This is where the bottleneck occurs as it takes the evaluation team over 16 days out of the 37 to perform the review of 78 applications. * Expected wait time in the system for an application in Region 2 is approximately 11 days, with an actual processing time of 13.40 hours. Of the three Regions, Region 2 processed the least applications of 66 during the quarter being reviewed. With a utilization rate of 73%, Region 2 experienced the most idle time in the evaluation process. * Expected wait time in the system for an application in Region 3 was approximately 15 days, with an actual processing time of 13.56 hours. With utilization rate of 84%, this Region has the ability to handle an increase in applications. * Each region utilized over ten days of average time in system and showed bottlenecks. 2.  Interest rate stage is a multi channel process and is working effectively. Applications are processed quickly and are usually turned over to the next step within 30 minutes. The utilization rate is consistent at 64%, which means that this staff member can continue to devote only half of his time to this task. 3.  Loan terms stage is a single channel and has similar issues as the analysis and evaluation department. It creates bottleneck and work is unevenly distributed. 4. Final issuing stage is an effective multichannel process with a consistently high utilization percentage. Each application takes less than 4 hours to process and utilizes time consistently at 93% of capacity. Alternatives Redistribute the staff to eliminate the bottlenecks in the process. Automate the input of information into a computer database at the sales level eliminating duplicate entry. * Generic queue would decrease processing time to 9 days. Evaluation will drastically reduce to 2 days of processing, increasing utilization and reducing idle time. Active time in the system will be reduced to 13.72 hours. Change all stages to a multiple, multiphase channel (Exhibit C &D). There would still bottleneck from the evaluation stage. * Case manager would increase active time of application to 18.5 hours; however, significantly reduce queuing time to approximately 3 days. This is assuming there are no teams during the evaluation stage and that the average time would double to 9.5 hours, which may not be the case. Change to multiple channel – assignment – multiphase. (Exhibit E &F) Eliminate bottleneck, service rate of 22.2 per FTE, per quarter. Recommendation We recommend switching to a case manager structure. This would mean that one person will be responsible for the completion of a loan application (Exhibit E). This will provide for most efficient way to minimize idle time and maximize utilization rate. Loan applications can be processed and completed in approximately 3 days. This would allow for an increase in volume to 255 without adding staff (assuming 60% are remain new applications), which is a 16.9% increase, exceeding the 10% anticipated application increase.