Case: Manzana Insurance - Fruitvale Branch (Abridged) Harvard Business School Executive Summary Fruitvale ’s core management problem is the low performance due to an unacceptable long turnaround times (TAT). Especially because of the late Renewals many of Fruitvale´s customers are turning to its major competitor Golden Gate. The operating performance needs to be improved by eradicating the bottleneck in Underwriting. This will be achieved by restructuring and simplifying the process. Through
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most important aspects of the service level is speed and therefore TAT. Finally‚ a basis analysis suggests that the increase in TAT is related to the increase in percentage loss rate. What is strongly related to the decreasing profitability of Manzana. In summary: the TAT is very important in this industry because of the needs of the agents and end-customers‚ the aspects of competition‚ the factors that drive profitability and the expected relation between the percentage loss rate and the TAT.
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INTRODUCTION Stock market is a market where the trading of company stock‚ both listed securities and unlisted takes place. It is different from stock exchange because it includes all the national stock exchanges of the country. Stock Exchanges are an organized marketplace‚ either corporation or mutual organization‚ where members of the organization gather to trade company stocks or other securities. The members may act either as agents for their customers‚ or as principals for their own accounts
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1. The Fruitvale Branch of Manzana Insurance is experiencing loss of business due to late renewals‚ and long lead times on new policies and quotes. These problems have created an opportunity for a competitor to take market share. Incorrect interpretation of company income for new policy versus policy renewals has placed an overemphasis on new policies that is causing loss of profitability. The company has official priorities with respect to turn around time and processing order of insurance policies
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Case Manzana Insurance: Fruitvale Branch Manzana Insurance is one of the largest property-liability insurers in California (USA). Fruitvale is one of Manzana’s smaller branches‚ with three underwriting teams supporting 76 agents in three geographical territories. Fruitvale is at this moment facing deteriorating profits due to operational problems. The effect of these operational problems is (particularly in comparison with competing insurers like Golden Gate) a high Turnaround Time (TAT)‚ a high
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Enter your answers in the space provided ONLY. Please be sure to use proper notation and rounding. 1. The physician orders 4600 units of heparin sodium subcutaneously every 8 hrs. a. Determine the amount to give using the label provided. Answer: __0.46 units_______ [pic] b. Mark the appropriate syringe with the amount. [pic] [pic] 2. A solution of 35‚000 units of heparin in 500 mL normal saline is to infuse at 2000 units/hr. What is the
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Revenue Estimates Revenue Item 100% Monthly 75% Monthly 50% Monthly Notes Rooms $2‚956‚500 $2‚217‚375 $1‚478‚250 8‚100 daily Leases $180‚000 $135‚000 $90‚000 TOTAL REVENUE $3‚136‚500 $2‚352‚375 $1‚568‚250 Expences TOTAL VARIABLE COSTS $454‚000 $340‚500 $227‚000 TOTAL FIXED COSTS $1‚403‚000 $1‚403‚001 $1‚403‚002 TOTAL EXPENSE BEFORE IT $1‚857‚000 $1‚743‚501 $1‚630‚002 EBIT $1‚279‚500 $608‚874 -$61‚752 Depreciation $320‚000 $320‚001 $320‚002 EBITDA
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Using this online NPV Calculation Tool http://finance.thinkanddone.com/online-n… we get the following NPV at 15% Net Cash Flows CF0 = -3000000 CF1 = 1100000 CF2 = 1450000 CF3 = 1300000 CF4 = 950000 Discounted Net Cash Flows DCF1 = 1100000/(1+0.15)^1 = 1100000/1.15 = 956521.74 DCF2 = 1450000/(1+0.15)^2 = 1450000/1.3225 = 1096408.32 DCF3 = 1300000/(1+0.15)^3 = 1300000/1.52087 = 854771.1 DCF4 = 950000/(1+0.15)^4 = 950000/1.74901 = 543165.58 NPV Calculation NPV = 956521.74
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Date and Observations: I’ll send you the picture by text message: (561-542-5608) Calculations: 1. Write the balanced equation for the reaction conducted in this lab‚ including appropriate phase symbols. Mg(s) + 2HCl(aq) --> H2(g) + MgCl2(aq) 2. Determine the partial pressure of the hydrogen gas collected in the gas collection tube. The partial pressure of the hydrogen gas is 1.07 atm 3. Calculate the moles of hydrogen gas collected. pv=mrt ; n= .0013mol of hydrogen gas 4. If magnesium was
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CULINARY CALCULATIONS The Standardized Recipe The standardized recipe is the hallmark of the foodservice industry today. The information contained in the standardized recipe ensures that a consistent product is always served to the guest. A consistent product means the look‚ taste‚ texture‚ and portion size of the menu item is the same each time the item is prepared and served‚ regardless of who is in the kitchen on a given day. Each standardized recipe has a specific yield‚ which can be increased
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