Family Law Essay Example | Topics and Well Written Essays - 2500 words

Family Law - Essay Example n his judgment, Lord Nicholls was of the view that: â€Å"Often than not, tribunals and courts in interpreting the requirement threshold outline under section 31 0f the Act have constantly have to decide whether or not an alleged event actually took place. In his wise decision, Lord Nicholls further observed that as a general rule where there is a possibility that a past event might have taken place then that is proof enough to the requisite standard or threshold and the law regards such an incident as definitely having taken place† 2 The legal implication of such a decision by the court is that the determination should be made following the statutory, legal policy or otherwise. Consequently, determination of such an issue is susceptible to change since it is the judiciary and not the legislature that sets the policy and it is still in the hands of the court to reconsider the viability solution for the problem. In the case of Lancashire County Council and Another v. Barlow and Another and One Other Action Lord Nicholls of Birkenhead stated that the court is empowered under section 31(1) of the 1989 Children Act to make an order putting the child under the local authority supervision or placing him or her under the care of local authority, or even under the care of a probate officer. Nevertheless, certain minimum conditions must be met before the court making such an order this conditions are usually referred to as threshold conditions. These threshold conditions are outlined under section 31(2) the 1989 Children Act which reads: A care order or a supervision order may be made by a court if it satisfied ­_ a); that the child in question is suffering, or is likely to suffer, substantial harm; and b). that the harm, or possibility of harm, is actually attributable to the... Courts have held that they are empowered under section 31(1) of the 1989 Children Act to make an order putting the child under the local authority supervision or placing him or her under the care of local authority, or even under the care of a probate officer. Nevertheless, certain minimum conditions must be met before the court making such an order this conditions are usually referred to as threshold conditions. These conditions include: that the child in question is suffering, or is likely to suffer, substantial harm; and that the harm, or possibility of harm, is actually attributable to the care accorded to the child, or the care likely to be given to the child in the event the order was not made, and the care not being what it would be rational to suppose a parent to give the child; or where the child is beyond control of the parent . The court further noted that in the interpretation of section 31 of the Children Act of 1989, particular attention should be paid under section 1(3 ) of the Act which sets out the Childs' welfare checklist. The welfare checklist under the foregoing section includes consideration of any harm that the child is at risk of suffering or any harm that the child concerned has suffered and the capability of each of the child's parent to satisfy the needs of the child. Accordingly, the connection between the casual likelihood need not be that direct, sole, or dominant cause and effect and that a causal connection that is contributory meet the requirements.

Role of International Non-Government Organizations Essay

Role of International Non-Government Organizations - Essay Example Risk identification is basically a process that allows an organization or a company to identify any potential risks that the organization faces. Risk identification is the first and one of the main steps of the risk management process. Organizations usually carry out risk management to ensure that their assets and their operations are not damaged by a certain imminent threat. In case the company is unable to prevent any threat from occurring the organization implements certain measures that ensure that the damage is kept to a minimum (Karolak, 1995).In this paper, the author will evaluate how the tourism industry of Thailand recovered from the aftermath of Tsunami in 2004 and what role was played by government, NGOs and other stakeholders in helping the industry to return to its usual form. The tsunami of December 2004 affected six provinces along Thailand’s Andaman coast. It had an impact on 407 villages, completely destroying 47 of them, and killing more than 8,200 people. As of December 2005, 929 bodies remained unidentified, though by May 2006 this number had been reduced to around 500Í ¾ these bodies are at the Bang Maruan cemetery in Tsunami that disrupted the environment and created economic problems for the country required a coordinated relief effort supported by the government and international agencies to prevent further destruction, build back Thailand and its tourism sector. In this regard, it is essential to take into consideration the role of the non-profitable organizations like NGO’s who played their part in integrating all the activities related to crises management. There were many national and international operations carried out who had the purpose of delivering aid to the affected persons. However, there were many difficulties faced by these non-government organizations.

Why Play is Important for Children Essay Example for Free

Why Play is Important for Children Essay Children like to play, they need to run, chase, ride, skip and jump. The more they play, the more they want to play again. Play is important for Children because it practices their linguistic, cognitive and social skills and contributes to their general personality development. Children use their minds while playing, because they are thinking and acting as if they were another person. When they make such a transformation, they are taking a step forward abstract thinking in that they are freeing their thoughts from a focus on concrete objects. Play is also associated with creativity, especially the ability to be less literal and more flexible in ones thinking. Vygotskian who was a famous Russian psychologist wrote, In play a child always above his average age, above his daily behaviour; in play it is as though he were a head taller than himself. There are four types of play that reflect increasing levels of Childrens social interaction and sophistication. Solitary play is a play that takes place alone, often with toys, and is independent of what other children are doing. Parallel play involves children engaged in the same game or activity side by side but with very little interaction or common influence. Associative play is much like parallel play but with increased levels of interaction in terms of sharing, turn-taking and general interest in what others are doing. Cooperative play occurs when Children join and work together to achieve a common goal, such as building a large castle with each child building a part of the structure. Play have become quite indispensable to Childrens life, However, in order to motivate Children to learn from the games they are playing, Adults have responsibility to choose right playing method and age-appropriate games for the children. They are important elements to support the development of Childrens play. Types of Child’s Play Child’s play is seemingly limited only by imagination, but in general there are a few broad categories of child’s play that tend to cover the most common activities. Child’s play is often: * Quiet. These activities can often be conducted in one place, such as looking at books or working with blocks.  Children do not need great amounts of energy for quiet play and these activities are especially useful when a child is tired. * Creative. These activities allow a child to engage his/her imagination through painting, dancing, sculpting with clay and much more. Creative play allows children to come up with their own worlds, and many children enjoy being in charge of these activities. * Active. These activities require a good amount of energy and often help children develop their gross and fine motor skills. Playing with balls and climbing frames are examples of active child’s play. Cooperative. These activities involve more than one child. When children play with others and share their toys or take turns in an activity, they engage in cooperative play. * Dramatic/Role playing. Like creative play, children engage their imaginations during dramatic play or role playing and often take on the persona of a different character. Some dramatic play may take place with other children, though it might also include toys, dolls or even imaginary friends. Encouraging Child’s Play One of the most important things that a parent can do for their children is to be available for play. Activities that many parents enjoy doing with their children include: * Playing peek-a-boo with infants. * Singing silly songs and nursery rhymes with young children. * Reading to children of all ages. * Taking part in their children’s tea parties, school days or whatever other imaginary events they have dreamed up. * Dressing up in â€Å"costumes† and performing plays written and directed by their children. * Kicking or throwing a ball in the garden or park. * Playing â€Å"I spy† while out on walks or long drives. * Building towers of blocks or sand castles at the beach. For many parents, child’s play may seem lovely though relatively unimportant. If you find yourself wondering at the hours your child can spend engrossed in play, remember that (s)he is actually learning all about the world through these activities. Don’t wait for your child to invite you, join in and enjoy yourselves together! Learning through play Play helps young children to learn and develop their physical, social, emotional and intellectual skills through doing and talking, which research has shown to be the means by which young children learn to think. It is also how they learn to socialise as children engage in learning experiences with other children and adults. The Early Years Foundation Stage is a play based framework that childcare providers use as a tool to ensure that children from birth to five years are developing and learning to their full potential. Providers plan and provide a range of play activities, which help children to make progress in each of the key areas of learning and development identified by the framework: * Personal, social and emotional development. * Communication, language and literacy. Problem solving, reasoning and numeracy. * Knowledge and understanding of the world. * Physical development. * Creative development. There are lots of opportunities for you to help your child grow and learn. Parents can support their child’s development by choosing activities at home which gives them a chance to explore and use their imaginations. Visit our play activities page for ideas for fun activities for you and your child. The leaflet Learning Through Play contains further tips on how you can support your childs learning.

The Emphasis on Existentialisim in Lispector’s Work Due to The Traditio

The Emphasis on Existentialisim in Lispector’s Work Due to The Traditional Roles of Women The human mind often creates traumatized, twisted beliefs about the world after cataclysmic events have occurred. Picture 1920- the world has just been ravaged by bullets, bombs, and baleful butchers with malicious intent. The aftermath of World War II leaves the country of Ukraine encompassed in terror, anguish, and famine. Imagine being ravenous enough to consider devouring a decomposing relative, and then putting that consideration into action. Imagine a country where pogroms- violent attacks on ethnic groups, mainly Jews, that included the destruction of homes, businesses, and churches –are not only regular, but not surprising occurrences. Imagine suppression, repression, oppression, all the â€Å"-ions†Ã¢â‚¬ ¦Now insert a nine-year old girl struggling to live in this madness, add the rape and death of that girl’s mother, and there is the childhood of the renowned Brazilian author, Clarice Lispector. These experiences, which would alter anyone’s views on life, influenced and helped to develop Lispector’s existentialist ways of thinking. In these past occurrences, gender inequalities were very much prominent, which explains why Lispector focuses on the fate of women in her writing. Due to the oppressive government, women were confined to their traditional roles and in showing the lack of freedom, both mentally and physically, that this imposes on them, Clarice Lispector justifies her existentialist viewpoints through her writings; life is pain, misery, and inevitably death. These viewpoints are imminent when discussing the overall lack of freedom in Lispector’s stories â€Å"The Chicken†, â€Å"The Smallest Woman in the World†, and â€Å"Preciousness†. Within... ...for giving birth, her obedient stay after being caught, and her sudden yet unsurprising death describes, in Lispector’s viewpoints, the natural course of an average female’s life. Although Lispector wrote these stories in the 1940’s, reflecting on the then current gender inequalities and hardships of life during the aftermath of WWII, these themes are evident in all time periods, for as Lispector has shown, the innate traditional roles of women along with the pre-conceived notion of men being more significant than women are evident even in our time. These limits reflect Lispector’s existentialist viewpoints in showing that the life of a woman is restrained; women’s lives are filled with pressure, sadness, and ultimately death.

Summary of “Little Things” by Raymond Carver

Raymond Carver’s short story entitled â€Å"Little Things† is a representation of internal situation in a house when a husband and a wife could not retrieve the love that once felt before. The author did not state the names of the characters but only used the words â€Å"she† and â€Å"he† to refer the names of the characters as husband and wife. This story is a situation that most families usually get into because of the separation and the child is the most affected in the whole scenario for he or she could not able to determine whether to go with his or her mother or with his or her father. The story begins when the man paced his own things for he decided to leave his family. the woman was happy as according to her that the man will leave but it was felt from her emotions that it is hard for her to accept the situation. After packing all the things in his suitcase, the man went to the living room to get the baby but the woman did not want the man to take the baby so she grabbed the baby into the man’s hand. The baby started to cry but the two did not mend the tears and shout of the baby. They did not let each other to get the baby so they grabbed each other’s hands. Related article: †On Compassion† summary Because the woman is much weaker than the man, the man obtained the baby. The woman could not accept it so she tried again but the decision went on as the story ended. Carver’s story is a detailed short story as it represents the signification of elements and images that exists within the whole narrative. It shows that he is capable of acquiring consequences that emerged in the home where men and women could not recognize their weaknesses and incapability that made them quit from being together. Reference Carver, R. (1988). Little Things. Tess Gallagher From Where I'm Calling From: The Selected Stories Atlantic Monthly Press, 1988.

Dibujar Conjugation in Spanish, Translation, and Examples

The Spanish verb dibujar means to draw or to sketch. It is a regular -ar verb and follows the same conjugation pattern as other regular verbs like ayudar, tratar, and buscar. This article includes dibujar conjugations in the present, past, conditional and future indicative mood, the present and past subjunctive mood, the imperative mood, and other verb forms. Dibujar Present Indicative The conjugations of dibujar in the present indicative tense follow the pattern of other -ar regular verb conjugations. Yo dibujo I draw Yo dibujo en mi clase de arte. Tà º dibujas You draw Tà º dibujas el mapa para tu abuela. Usted/à ©l/ella dibuja You/he/she draws Ella dibuja el diseà ±o del edificio. Nosotros dibujamos We draw Nosotros dibujamos con là ¡pices de color. Vosotros dibujà ¡is You draw Vosotros dibujà ¡is retratos muy lindos. Ustedes/ellos/ellas dibujan You/they draw Ellos dibujan figuras en la arena. Dibujar Preterite Indicative The preterite tense can be translated to English as the simple past. It is normally used to talk about events that have been completed in the past. Yo dibujà © I drew Yo dibujà © en mi clase de arte. Tà º dibujaste You drew Tà º dibujaste el mapa para tu abuela. Usted/à ©l/ella dibujà ³ You/he/she drew Ella dibujà ³ el diseà ±o del edificio. Nosotros dibujamos We drew Nosotros dibujamos con là ¡pices de color. Vosotros dibujasteis You drew Vosotros dibujasteis retratos muy lindos. Ustedes/ellos/ellas dibujaron You/they drew Ellos dibujaron figuras en la arena. Dibujar Imperfect Indicative The imperfect tense is normally used to talk about ongoing or repeated actions in the past. It can be translated to English as was drawing or used to draw. Yo dibujaba I used to draw Yo dibujaba en mi clase de arte. Tà º dibujabas You used to draw Tà º dibujabas el mapa para tu abuela. Usted/à ©l/ella dibujaba You/he/she used to draw Ella dibujaba el diseà ±o del edificio. Nosotros dibujà ¡bamos We used to draw Nosotros dibujà ¡bamoscon là ¡pices de color. Vosotros dibujabais You used to draw Vosotros dibujabais retratos muy lindos. Ustedes/ellos/ellas dibujaban You/they used to draw Ellos dibujaban figuras en la arena. Dibujar Future Indicative The future tense is conjugated by starting with the infinitive (dibujar) and adding the future tense endings (à ©, à ¡s, à ¡, emos, à ©is, à ¡n). It is usually translated to English as will verb. Notice that all of the future tense conjugations except nosotros have an accent mark on the last syllable. Yo dibujarà © I will draw Yo dibujarà © en mi clase de arte. Tà º dibujarà ¡s You will draw Tà º dibujarà ¡s el mapa para tu abuela. Usted/à ©l/ella dibujarà ¡ You/he/she will draw Ella dibujarà ¡ el diseà ±o del edificio. Nosotros dibujaremos We will draw Nosotros dibujaremoscon là ¡pices de color. Vosotros dibujarà ©is You will draw Vosotros dibujarà ©is retratos muy lindos. Ustedes/ellos/ellas dibujarà ¡n You/they will draw Ellos dibujarà ¡n figuras en la arena. Dibujar Periphrastic  Future Indicative   The periphrastic future is conjugated using the present indicative conjugation of the verb ir (to go), the preposition a, and the infinitive dibujar. It is normally translated to English as going to verb. Yo voy a dibujar I am going to draw Yo voya dibujar en mi clase de arte. Tà º vasa dibujar You are going todraw Tà º vasa dibujar el mapa para tu abuela. Usted/à ©l/ella va a dibujar You/he/she is going todraw Ella vaa dibujar el diseà ±o del edificio. Nosotros vamosa dibujar We are going todraw Nosotros vamosa dibujar con là ¡pices de color. Vosotros vaisa dibujar You are going todraw Vosotros vaisa dibujar retratos muy lindos. Ustedes/ellos/ellas vana dibujar You/they are going todraw Ellos vana dibujar figuras en la arena. Dibujar Present Progressive/Gerund Form The gerund or present participle is normally used as an adverb or to form progressive tenses like the present progressive, which is usually formed with the auxiliary verb estar. Present Progressive ofDibujar està ¡ dibujando Is drawing Ella està ¡ dibujando el diseà ±o del edificio. Dibujar Past Participle The past participle is normally used as an adjective or to form perfect tenses like the present perfect, which uses the auxiliary verb haber. Present Perfect of Dibujar ha dibujado Has drawn Ella ha dibujado el diseà ±o del edificio. Dibujar Conditional Indicative The conditional tense is normally used when discussing possibilities. It is usually translated to English as would verb. Notice that all of the conjugations of the conditional have an accent mark on the last à ­. Yo dibujarà ­a I would draw Yo dibujarà ­a en mi clase de arte si tuviera mà ¡s tiempo. Tà º dibujarà ­as You would draw Tà º dibujarà ­as el mapa para tu abuela si necesitara direcciones. Usted/à ©l/ella dibujarà ­a You/he/she would draw Ella dibujarà ­a el diseà ±o del edificio si fuera arquitecta. Nosotros dibujarà ­amos We would draw Nosotros dibujarà ­amoscon là ¡pices de color, pero solo tenemos marcadores. Vosotros dibujarà ­ais You would draw Vosotros dibujarà ­ais retratos muy lindos si fuerais artistas. Ustedes/ellos/ellas dibujarà ­an You/they would draw Ellos dibujarà ­an figuras en la arena, pero no se quieren ensuciar. Dibujar Present Subjunctive The present subjunctive is used when a sentence has two clauses and it expresses emotion, desire, doubt, possibilities, or other subjective situations. Que yo dibuje That I draw La maestra quiere que yo dibuje en la clase de arte. Que tà º dibujes That you draw Mamà ¡ pide que tà º dibujes el mapa para tu abuela. Que usted/à ©l/ella dibuje That you/he/she draw La ingeniera pide que ella dibuje el diseà ±o del edificio. Que nosotros dibujemos That we draw Las instrucciones piden que nosotros dibujemos con là ¡pices de color. Que vosotros dibujà ©is That you draw El cliente espera que vosotros dibujà ©is retratos muy lindos. Que ustedes/ellos/ellas dibujen That you/they draw Los nià ±os quieren que ellos dibujen figuras en la arena. Dibujar Imperfect Subjunctive The imperfect subjunctive can be conjugated in two different ways. The tables below show both options. Option 1 Que yo dibujara That I drew La maestra querà ­a que yo dibujara en la clase de arte. Que tà º dibujaras That you drew Mamà ¡ pedà ­a que tà º dibujaras el mapa para tu abuela. Que usted/à ©l/ella dibujara That you/he/she drew La ingeniera pedà ­a que ella dibujara el diseà ±o del edificio. Que nosotros dibujà ¡ramos That we drew Las instrucciones pedà ­an que nosotros dibujà ¡ramoscon là ¡pices de color. Que vosotros dibujarais That you drew El cliente esperaba que vosotros dibujarais retratos muy lindos. Que ustedes/ellos/ellas dibujaran That you/they drew Los nià ±os querà ­an que ellos dibujaran figuras en la arena. Option 2 Que yo dibujase That I drew La maestra querà ­a que yo dibujase en la clase de arte. Que tà º dibujases That you drew Mamà ¡ pedà ­a que tà º dibujases el mapa para tu abuela. Que usted/à ©l/ella dibujase That you/he/she drew La ingeniera pedà ­a que ella dibujase el diseà ±o del edificio. Que nosotros dibujà ¡semos That we drew Las instrucciones pedà ­an que nosotros dibujà ¡semoscon là ¡pices de color. Que vosotros dibujaseis That you drew El cliente esperaba que vosotros dibujaseis retratos muy lindos. Que ustedes/ellos/ellas dibujasen That you/they drew Los nià ±os querà ­an que ellos dibujasen figuras en la arena. Dibujar Imperative The imperative mood is necessary when giving orders or commands. There are both positive and negative commands, shown in the tables below. Positive Commands Tà º dibuja Draw!  ¡Dibuja el mapa para tu abuela! Usted dibuje Draw!  ¡Dibuje el diseà ±o del edificio! Nosotros dibujemos Let's draw!  ¡Dibujemos con là ¡pices de color! Vosotros dibujad Draw!  ¡Dibujad retratos muy lindos! Ustedes dibujen Draw!  ¡Dibujen figuras en la arena! Negative Commands Tà º no dibujes Don't draw!  ¡No dibujes el mapa para tu abuela! Usted no dibuje Don't draw!  ¡No dibuje el diseà ±o del edificio! Nosotros no dibujemos Let's not draw!  ¡No dibujemos con là ¡pices de color! Vosotros no dibujà ©is Don't draw!  ¡No dibujà ©is retratos muy lindos! Ustedes no dibujen Don't draw!  ¡No dibujen figuras en la arena!

Networking Skills And Enhance One s Professional Appearance

Acquire networking skills and enhance one’s professional appearance. Participating in daily duties as well as taking advantage of opportunities that arose completed this outcome. Networking is important to ones success in all prospective carriers. The opportunity to speak with the chief of police was one experience that allowed this outcome to be completed. While working within the chief’s complex one interacts with very high-ranking officers and learns how to approach them using the correct terminology. When networking it is important to understand different cultural aspects of each individual. Similarly, while serving with the officers working the streets one learns to interact and build upon ones network in a different way than in the office. Also, it is important to maintain a high level of professional standards no matter where someone is working. Furthermore, a professional appearance was a requirement. This internship aloud for one to practice business dress while working. Not only is appropriate dress a requirement, but also it improves others perceptions of an individual. This helps to build network connections when others take you seriously. Similarly, in the police profession business dress must be practical. It is important that while serving with police officers on the street that one dresses appropriate to the weather and task at hand. While riding with the police officers sensible shoes are a requirement due to the constant fluidity of an officers duties. ThisShow MoreRelatedBITSTREAM Human Resource Management1743 Words   |  7 Pages  Jim  Sole,  the  brand  new  president  was  hired  in  1992  to  substitute  the  former  president,  the  founder  of  the  company.  Jim  was  a  very  successful  professional  and  had  much  great  experience  in  this  area. Jim  found  the  organization  needing  some  changes,  like  a  reorganization  of  the  structure,  a  clear  clarification  of  the  short/term  goals  and  a  need  to  enhance  the  teamwork  within  the  company.  These  problems  would  be  solved  with  reorganization  of  the  bonus  plan  they  have,  and  to  delegate  decisions  to  the  employeesRead MoreBitstream - Human resources1587 Words   |  7 Pages Jim Sole, the brand new president was hired in 1992 to substitute the former president, the founder of the company. Jim was a very successful professional and had much great experience in this area. Jim found the organisation needing some changes, like a reorganisation of the structure, a clear clarification of the short/term goals and a need to enhance the teamwork within the company. These problems would be solved with a reorganisation of the bonus plan they have, and to delegate decisions toRead MoreEffects of Social Networking on Business Growth Development3775 Words   |  16 PagesCHAPTER ONE introduction The advent of the Atomic or Space Age has focused attention on the specific approach to business decision making. In no field of management has this been more pronounced than in the field of marketing. Following naturally from the more advanced technologically progress and higher standard of living in Canada, the United States and other developed economies, scientific marketing has made greater strides in North America than if has anywhere else in the world. TheRead MoreThe Key Of Effective Leadership1779 Words   |  8 Pagesis prevalent in the army, is that your appearance reflects your potential. This may cause others to judge soldiers initially, by their appearance. If they are overweight, or their appearance looks disheveled, they are often initially seen as being undisciplined. Changing our mental models can directly change our understanding of events, because we can perceive things differently, and also then identify other root causes, or resolutions. In my example, if one realizes that a newly assigned soldierRead MoreHba Class of 20143348 Words   |  14 PagesWelcome HBA Class of 2014 to the Richard Ivey School of Business. I am extremely excited to welcome you to the best business program in Canada. You are about to embark on one of the most challenging, invigorating, and enlightening journeys of your life. This program will challenge your philosophies, and stretch your limits; both physically and mentally. You will grow, change and succeed in ways you never thought were possible. The Guru Executive team has been working extremely hard overRead MoreWhat Makes A Good Role Model?3241 Words   |  13 Pagesguilty of something. Would you want an unrepentant criminal leading you? Most often the answer is no. Tolerant: People from different lifestyles, religions, and cultures are learning how to coexist without changing their values because they tolerate one another. Positivity: Positivity is more than just being happy because happiness is a result of positive experiences while Positivity means always looking up and to the successful completion of your goal. Determination: Leaders have a desire to reachRead MoreThe Management And Human Resource Department2136 Words   |  9 Pagescustomers to reach their family and friends which will in turn, allow the expansion of our network to reach even more potential customers. Twitter will make the networking process even easier with customers because followers of our clients will see posts about our work and these retweets will reach a whole new set of interested consumers. Other networking sites such as Instagram and Pinterest have similarities to Twitter in terms in the rapid sharing of content. However, the difference is the sole focus ofRead MoreFinance3424 Words   |  14 Pagesdisplay successful leadership management in organisation concurrently and in view of other duties responsibilities. The Report aims to enhance the understanding regarding leadership Managerial skills. This report will discuss the practices and management principles, will perform the review regarding potential as p rospective manager, display managerial skills in the business services context, and will develop a Career development plan for employment in the Business and services context. Discussion Read MoreFinance3464 Words   |  14 Pagessuccessful leadership amp; management in organisation concurrently and in view of other duties amp; responsibilities. The Report aims to enhance the understanding regarding leadership amp; Managerial skills. This report will discuss the practices and management principles, will perform the review regarding potential as prospective manager, display managerial skills in the business amp; services context, and will develop a Career development plan for employment in the Business and services contextRead MoreHistorical Analysis Of Banking Sector : Bank Marketing2818 Words   |  12 Pagesfinancial sector, and implicitly the banking sector due to the appearance of new competitors, the market overcapacity and the competition intensification It is the marketing that applies in the universal banks’ field (commercial banks as: savings and cooperative banks) and in the specialized banks’ field (actual credit institutions, investment companies, etc.)†. Earlier the attitude of banking service was that it was not professional to sell one s services and was unnecessary in the sense that traditional