2008 3-year Top Performing Direct Plans Q3

Savingforcollege.com ranks the performance of Direct Sold 529 Plans. Direct sold plans are those that consumers can enroll in without using a broker. We have prepared both 1-year, 3-year and 5-year performance tables. To prepare this ranking, we compared a subset of portfolios from each 529 savings plan, selecting portfolios based on their mix of stocks, bonds, and money-market funds, allowing for an apples-to-apples comparison in seven different asset-allocation categories. The lower the "percentile" the better the ranking. This ranking could be a useful tool for you when selecting which Direct 529 Plan might be right for you. 529 Performance Rankings as of September 30, 2008 Direct sold 529 Plans Ranked by 3 Yr performance Updated November 25, 2008 3-year Performance Ranking (click here for 1 Year Performance Table and 5 Year Performance Table) Rank State Plan Percentile 1 Louisiana START Saving Program 20.32 2 Nebraska College Savings Plan of Nebraska (Direct-sold) 21.82 3 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 23.28 4 Utah Utah Educational Savings Plan (UESP) Trust 26.87 5 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 27.43 6 Virginia Virginia Education Savings Trust (VEST) 28.07 7 Nevada The Vanguard 529 Savings Plan 28.09 8 Iowa College Savings Iowa 28.17 9 Wisconsin EdVest (Direct-sold) 29.69 10 Nebraska TD Ameritrade 529 College Savings Plan 29.76 11 Arkansas GIFT College Investing Plan 30.07 12 Minnesota Minnesota College Savings Plan 31.39 13 Nevada The Upromise College Fund 31.69 14 Kansas Schwab 529 College Savings Plan 32.45 15 Kentucky Kentucky Education Savings Plan Trust 33.33 16 New York New York's 529 College Savings Program - Direct Plan 35.22 17 Michigan Michigan Education Savings Program 35.30 18 Alaska University of Alaska College Savings Plan 35.98 19 Colorado Direct Portfolio College Savings Plan 38.15 20 Mississippi Mississippi Affordable College Savings (MACS) Program 38.44 21 Oklahoma Oklahoma College Savings Plan 39.33 22 West Virginia SMART529 WV Direct 39.72 23 Alaska T. Rowe Price College Savings Plan 39.87 24 Maryland College Savings Plans of Maryland - College Investment Plan 40.22 25 West Virginia SMART529 Select 40.72 26 Connecticut Connecticut Higher Education Trust (CHET) 41.25 27 New Jersey NJBEST 529 College Savings Plan 43.26 28 Delaware Delaware College Investment Plan 47.32 29 South Dakota CollegeAccess 529 (Direct-sold) 47.83 30 District of Columbia DC 529 College Savings Program (Direct-sold) 48.01 31 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 48.37 32 New Hampshire UNIQUE College Investing Plan 49.09 33 Arizona Fidelity Arizona College Savings Plan 49.44 34 Massachusetts U.Fund College Investing Plan 51.02 35 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 58.68 36 New Mexico The Education Plan's College Savings Program 59.76 37 Oregon Oregon College Savings Plan 61.22 38 Nevada USAA College Savings Plan 61.57 39 Ohio Ohio CollegeAdvantage 529 Savings Plan 62.63 40 North Carolina National College Savings Program 63.53 41 Alabama Higher Education 529 Fund (Direct-sold) 73.16 - California The ScholarShare College Savings Plan NA - Florida Florida College Investment Plan NA - Georgia Path2College 529 Plan NA - Hawaii Hawaii's College Savings Program NA - Idaho Idaho College Savings Program (IDeal) NA - Illinois Bright Start College Savings Program - Direct-sold-Plan NA - Indiana CollegeChoice 529 Investment Plan (Direct-sold) NA - Maine NextGen College Investing Plan - Client Direct Series NA - Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) NA - North Dakota College SAVE NA - Pennsylvania Pennsylvania 529 Investment Plan NA - Texas Texas College Savings Plan NA - Vermont Vermont Higher Education Investment Plan NA NA = Not Applicable = Program does not have at least 3 portfolios with sufficiently-long performance under our ranking model. The Savingforcollege.com Plan Composite Rankings are derived using the plans relevant portfolio performance in seven unique asset allocation categories. The asset allocation categories used are 100% Equity, 80% Equity, 60% Equity, 40% Equity, 20% Equity, 100% Fixed, and 100% Short Term. The plan composite ranking is determined by the average of its percentile ranking in the seven categories. The performance data underlying these rankings represents past performance and is not a guarantee of future performance. Current performance may be lower or higher than the performance data used. A plan portfolio's investment return and principal value will fluctuate so that an investor's shares or units when redeemed may be worth more or less than their original cost. Investors should carefully consider plan investment goals, risks, charges and expenses, by obtaining and reading the plan's official program description before investing. Investors should also consider whether their of their beneficiary's home state offers any tax or other benefits that are available for investments only in such state's 529 plan. Brokers please note: For internal use only and not for use with or to be shown to the investing public. Disclaimer: Bankrate, Inc. shall not be liable for any errors or omissions in this report. Users should rely on official program disclosures. For Broker Sold plan rankings, click here. Savingforcollege.com ranks the performance of Direct Sold 529 Plans. Direct sold plans are those that consumers can enroll in without using a broker. We have prepared both 1-year, 3-year and 5-year performance tables. To prepare this ranking, we compared a subset of portfolios from each 529 savings plan, selecting portfolios based on their mix of stocks, bonds, and money-market funds, allowing for an apples-to-apples comparison in seven different asset-allocation categories. The lower the "percentile" the better the ranking. This ranking could be a useful tool for you when selecting which Direct 529 Plan might be right for you. 529 Performance Rankings as of September 30, 2008 Direct sold 529 Plans Ranked by 3 Yr performance Updated November 25, 2008 3-year Performance Ranking (click here for 1 Year Performance Table and 5 Year Performance Table) Rank State Plan Percentile 1 Louisiana START Saving Program 20.32 2 Nebraska College Savings Plan of Nebraska (Direct-sold) 21.82 3 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 23.28 4 Utah Utah Educational Savings Plan (UESP) Trust 26.87 5 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 27.43 6 Virginia Virginia Education Savings Trust (VEST) 28.07 7 Nevada The Vanguard 529 Savings Plan 28.09 8 Iowa College Savings Iowa 28.17 9 Wisconsin EdVest (Direct-sold) 29.69 10 Nebraska TD Ameritrade 529 College Savings Plan 29.76 11 Arkansas GIFT College Investing Plan 30.07 12 Minnesota Minnesota College Savings Plan 31.39 13 Nevada The Upromise College Fund 31.69 14 Kansas Schwab 529 College Savings Plan 32.45 15 Kentucky Kentucky Education Savings Plan Trust 33.33 16 New York New York's 529 College Savings Program - Direct Plan 35.22 17 Michigan Michigan Education Savings Program 35.30 18 Alaska University of Alaska College Savings Plan 35.98 19 Colorado Direct Portfolio College Savings Plan 38.15 20 Mississippi Mississippi Affordable College Savings (MACS) Program 38.44 21 Oklahoma Oklahoma College Savings Plan 39.33 22 West Virginia SMART529 WV Direct 39.72 23 Alaska T. Rowe Price College Savings Plan 39.87 24 Maryland College Savings Plans of Maryland - College Investment Plan 40.22 25 West Virginia SMART529 Select 40.72 26 Connecticut Connecticut Higher Education Trust (CHET) 41.25 27 New Jersey NJBEST 529 College Savings Plan 43.26 28 Delaware Delaware College Investment Plan 47.32 29 South Dakota CollegeAccess 529 (Direct-sold) 47.83 30 District of Columbia DC 529 College Savings Program (Direct-sold) 48.01 31 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 48.37 32 New Hampshire UNIQUE College Investing Plan 49.09 33 Arizona Fidelity Arizona College Savings Plan 49.44 34 Massachusetts U.Fund College Investing Plan 51.02 35 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 58.68 36 New Mexico The Education Plan's College Savings Program 59.76 37 Oregon Oregon College Savings Plan 61.22 38 Nevada USAA College Savings Plan 61.57 39 Ohio Ohio CollegeAdvantage 529 Savings Plan 62.63 40 North Carolina National College Savings Program 63.53 41 Alabama Higher Education 529 Fund (Direct-sold) 73.16 - California The ScholarShare College Savings Plan NA - Florida Florida College Investment Plan NA - Georgia Path2College 529 Plan NA - Hawaii Hawaii's College Savings Program NA - Idaho Idaho College Savings Program (IDeal) NA - Illinois Bright Start College Savings Program - Direct-sold-Plan NA - Indiana CollegeChoice 529 Investment Plan (Direct-sold) NA - Maine NextGen College Investing Plan - Client Direct Series NA - Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) NA - North Dakota College SAVE NA - Pennsylvania Pennsylvania 529 Investment Plan NA - Texas Texas College Savings Plan NA - Vermont Vermont Higher Education Investment Plan NA NA = Not Applicable = Program does not have at least 3 portfolios with sufficiently-long performance under our ranking model. The Savingforcollege.com Plan Composite Rankings are derived using the plans relevant portfolio performance in seven unique asset allocation categories. The asset allocation categories used are 100% Equity, 80% Equity, 60% Equity, 40% Equity, 20% Equity, 100% Fixed, and 100% Short Term. The plan composite ranking is determined by the average of its percentile ranking in the seven categories. The performance data underlying these rankings represents past performance and is not a guarantee of future performance. Current performance may be lower or higher than the performance data used. A plan portfolio's investment return and principal value will fluctuate so that an investor's shares or units when redeemed may be worth more or less than their original cost. Investors should carefully consider plan investment goals, risks, charges and expenses, by obtaining and reading the plan's official program description before investing. Investors should also consider whether their of their beneficiary's home state offers any tax or other benefits that are available for investments only in such state's 529 plan. Brokers please note: For internal use only and not for use with or to be shown to the investing public. Disclaimer: Bankrate, Inc. shall not be liable for any errors or omissions in this report. Users should rely on official program disclosures. For Broker Sold plan rankings, click here.

Why You Should Buy a Term Paper Online

Why You Should Buy a Term Paper OnlineIf you need a term paper for your next term paper, why not buy a term paper online? A term paper is often an excellent idea as it provides you with the opportunity to get some of your work 'out there' and to give a wide audience the chance to read your ideas.One of the problems that many people face when they decide to buy a term paper online is the difficulty of finding a good resource. When you go looking for term papers, you often end up finding yourself overwhelmed with all the options available to you. This can be very confusing and it is easy to lose track of what is important.The way to avoid this problem is to buy a term paper from a specialist, reputable site that has reviews of the most popular, best known and highly rated sites online. This way, you will have a resource that can give you a solid indication of which sites are right for you and which ones are not.It is a good idea to make sure that you take your time in choosing your sou rce. There are quite a few sites that have reviews of just about every online term paper provider, so you need to make sure that you look at as many of these sites as possible before you choose one.A site that has a reputation for offering a good range of terms will be worth looking at. Some of the better known, established websites offer a way for students to buy a term paper online, and there are plenty of testimonials from other students that show that the site is popular.You may want to ask around for other students who have used a site and found that it is a good one. While you can usually find this information on the review's site, you should also make a note of other student opinions about the site.Finally, when you buy a term paper online, it is best to look for one that is not too technical in nature. An option that is ideal is one that has a lot of colourful photographs that illustrate the different aspects of the term paper.Some of the most popular sites for buying term p apers are websites reviews that make it easy for users to provide their own opinion. So, if you are looking for a way to buy a term paper online, remember to look for quality reviews and you will be able to buy a term paper from a reliable site.

Beer and Wine A Development of Community in Our World Essay

Beer and wine might have been one of the first drinks that caused humans to civilize and create a great community. In fact Tom Standage introduces us to this idea of these early drinks shaping human culture in his book A History of a World in Six Glasses. As Standage informs us about how beer was one of the causes in early settlement, and why farming was led to a great success because of the use of beer. Standage also mentions a start in traditions and a formation of government due to these drinks. Although beer being very important, Standage also introduces us to wine as a form of a class status that helped man distinguishing barbarism to a world of high standards and manners allowing for the community to become more cultured and†¦show more content†¦Eventually beer also had other qualities that allowed farming to progress and that is that beer was not harmful to humans as water was (21). Because of this people found out different ways in which they could produce this drink by having different forms of agriculture advancing its form from regular seeds being planted to massive productions, just as did the Greeks and Romans did by using their slave population to farm all of their grapes for the wine in order to drive a successful wine market (71). Farming allowed for populations to grow from small villages to cities to then allow the adoption of beer and wine to become an essential product that drove agriculture to the civilization and growth of people. Along the same lines we can also see how this development of beer due to farming allowed people to become more than just any regular barbaric man, and show that they were people with class. From fancy beer to the lowest quality that you could receive, beer was presented in celebrations or events because this drink â€Å"brought people together since the dawn of civilization† and this bringing together allowed the exchange of cultures and traditions to be passed down from generation to generation just like wine (39). These interactions shaped the mind of man, and helped them haveShow MoreRelatedAp World History : Michael Foley1337 Words   |  6 PagesAP World History Michael Foley 1A: We can examine painting that ancient artists drew, the homes they built, the tools they had, listen to oral history, and much more. There is indeed a benefit to studying history in this way, since it gives a hands-on account of what was there 12,000 years ago, allowing us to see and deduce for ourselves how ancient civilizations operated. 1B: The first civilizations formed at around 10,000 BCE, when humans settled around the Fertile Crescent to plant crops likeRead MoreCase Analysis- Anheuser Busch2098 Words   |  9 Pagesone of the world’s largest recyclers of aluminum cans. Our diverse background also includes malt production, rice milling, real estate development, turf farming, label printing and transportation services. Anheuser-Busch is best known for the world’s two top-selling beers, Bud Light and our flagship brand Budweiser. Operating 12 breweries within and 15 breweries outside of the United States, Anheuser-Busch brews more than 40 varieties of beer and alcohol beverages. In 2006, net sales at Anheuser-BuschRead MoreTaking a Look at SAB Miller996 Words   |  4 PagesOur success is built upon a clear strategic direction and a shared commitment to the companys vision, mission and values. This is the mission statement of SAB Miller, a company in the consumer goods industry which manufactures alcohol based drinks. (Beer, Cider, Wine etc). As part of the corporate social responsibility of the company the company focuses on sustainable development under which work is done under various levels of society and geography. The company focuses mainly on the followingRead MoreBeer Is The Alcoholic Beverage Of Choice976 Words   |  4 PagesBeer is one of the oldest alcoholic drinks and has played a role in human history for roughly 8,000 years. Beer is the alcoholic beverage of choice in North America and many other parts around the world. It has shaped the culture of human civilization, social interaction and has had a significant contribution to our economy. In order to get a proper perspective on beer you have to look at three main periods; ancient history (the development period), modernization of beer and its effects, and whatRead MoreStarbucks s Mission And Vision1540 W ords   |  7 PagesThe Starbucks Corporation is a roaster, marketer, and retailer of specialty coffee throughout the world, currently operating in more than 50 countries today (â€Å"Our Starbucks Mission†). Starbucks represents one of the most recognizable logos and companies across the globe today, continually expanding and diversifying their unique operations. The first Starbucks opened in Seattle, Washington in 1971 and since 1987 Starbucks has opened an average of two stores daily (Bonander). Starbucks’ success canRead MoreExternal Environment Analysis6715 Words   |  27 PagesLimited, which is one of the Australian largest alcohol companies. It was written by four Swinburne students, who are Master of Marketing, Diego, Desmond, Gemala, and Jie. The purpose of the report is to design a sales strategy for Forster’s Group on beer destination division in Australia so that improve Foster’s sale revenue and volume. In the report, we mainly focused on sales team of Foster, not too much about the marketing part. Before starting to write this report, we did many researches. TheRead MoreHistory of the world in 6 glasses2699 Words   |  11 Pages A History of the World in 6 Glasses Section 1: Beer: Beer was not invented, it was discovered. Exactly when the first beer was brewed is unknown but there was almost certainly no beer before 10,000 BCE. The rise of beer was closely associated with the domestication of the cereal grains rom which it is made and the adoption of farming. Beer originated in the Fertile Crescent in Egypt and Mesopotamia. To beer drinkers in the Neolithic period, beer’s ability to intoxicate and induce a stateRead MoreAdnams Case Related to a Wake Up for Westminster Strategic Management3419 Words   |  14 PagesAddress the following questions: 1. Identify and assess the key factors in the macro environment that have, or might, affect the UK beer industry. (30 Marks) 2. Present a Five Forces analysis of the competitive environment of the UK beer industry and discuss the changing nature and effect of these forces. (30 Marks) Read More Miller Beer Ads Essay1787 Words   |  8 PagesMiller Beer Ads In television commercials and magazine ads, Miller uses sex, and woman as a way to grab your attention and to sell the product. We all have heard the saying â€Å"sex sells† but how far can alcohol companies take it. In their latest commercials, Miller uses two very attractive female twins that argue about to positive aspects for why they drink Miller. 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The Impact of Internal and External Factors on The Business Operating

Question: Discuss about the Impact of Internal and External Factors on The Business Operating Environment. Answer: Introduction Business environment is comprised of all those elements that boast of having a bearing on the business. Mastering the forces that have an influence on the business environment is a challenging task in comparison with other operational activities. The extent to which these forces can be controlled varies. These forces can be changed in terms of how they ca affect the firm. However, the economy cannot be touched. Spending, however, can be encouraged. Learning more about these forces at work would better equip in influencing the business operations. Based on the intimacy range with the firm, these environmental factors of a business can be classified into two different types. There are broadly two types of environment of a firm, the internal environment, i.e. internal factors of the firm and the external environment i.e. external factors of the form that contain some relevancy to it (Epstein and Buhovac 2014). Discussion Internal factors The internal business environmental factors influence the approach and success of the business operations. The organization has complete control over the internal factors. Recognizing possible opportunities and threats that are outside the companys operations are considered extremely important. Nevertheless, proper management of the key strengths of the internal operations is vital for the success of the business (Chan et al. 2012). Some of the most common internal factors are discussed below: The role played by company leadership is an extremely important internal factor. The existing leadership styles and other management styles influence the culture of the organization. More often than not, organizations present a formal structure that accompanies its mission and vision statements. Leadership approach has resulted in some cultural implications, some of which are as follows: Value given to the staff The negative or positive nature The efficiency of communication standard of family friendliness (Kuratko, Hornsby and Covin 2014) Employee strength is another important internal business factor after leadership. Employees who are motivated, talented and hardworking would bring in better results than employees who are demotivated and not talented. Inter-department procedures and associations also has the potential to better efficiency and effectiveness. A high performing workplace boasts of talented employees who work together in a better way. In such situations, the workers and their departments cooperated in terms of ideas and resolutions. Organizational and operational factors are a part of the managerial and operational processes. It comprises of imprecise and disorganized record keeping too. Evaluations must be carried out of factors like interruptions in the supply chain and faulty IT systems too. If a company fails to overcome these situations the customers may start seeing the company as unreliable (Hanim Mohamad Zailani et al. 2012). Strategic risks have the capacity to influence the companys capability of reaching the objectives of a business plan. It can be due to the influences of the technological evolution changes or even consumer demands. These elements can turn into threats as they have the capability of altering the way consumers observe the product. On the basis of these, customers might believe a product is dull, overly priced and outdated. Innovation is required by business for keeping up with their competitor. Staying pone step ahead is very essential. Innovation also presents itself in the form of marketing, or via advertising initiatives inside marketing plans, welfare or employee training. Adopting the latest technologies is the best possible way for keeping up with the technological improvements. A lack in innovation in a developing business poses a grave risk. Lack of innovation inside an organization makes it boring, which would ultimately turn the company into a stagnant, boring and irrelevant one (Wilden et al. 2013). In the financial structure of a business, d ependency is seen from the financial risks. These risks are also dependent on the different business transactions and the fiscal systems. Such as, alterations in interest rates or simply acting overly dependent on any single customer can have an adverse impact on the business operations. Additionally, employees are crucial to the success of nay business. However, certain risks are associated with them. For any business sector, strike action can direct towards many serious problems. The most important thing about all these factors is that they are under the control of the organization. Making alterations in these factors most of the time involves a certain amount of indirect costs, as some of these are the outcome of business operations (De Giovanni 2012). External factors Factors that are external to an organization are the factors that determine its external environment. The organization cannot exercise any control over these factors or the way they would shape up. The external factors can be further sub divided into two categories: general environment and task environment. The general environment factors have an instant direct influence on the operations and the activities of the business organization. General environment dimensions are broader and generic, while those of task environment contain of the precise organization (Sekaran and Bougie 2016). The elements of general environment are as follows: Economic elements inside an organization represent the overall fiscal system of the organization operations. For the businesses, the most vital factors are interest rates, inflation and redundancy. These elements influence the product demand. Technological elements manage the available methods in order to convert the resources into any form of services or products. Manager have to make sure they are careful about these elements. The decision of investing needs to be perfect inside new technologies and they need to be flexible for with them (Bridge and O'Neill 2012). Socio-cultural elements are made up of demographics, values, morals and customs existing in the society where the company operates. Manager have to make sure they are well aware about these elements as the standard of operation differs from culture to culture and similarly does the need and preferences of the products and services. The political-legalelements of the general business environment are indicative of the busin ess-government relationship, government business law and the complete political and legal condition of a state. Business laws of any country decide the dos and donts of all the operating organizations inside it (Arregle et al. 2012). International element virtually influences every organization. It is related to the level to which any organization is tangled in or influenced by the organizations in other states. The concept of global society has played a huge role in bringing together all the nations and the modern communication network and transport technology (Lambert and Davidson 2013). Task environment is comprised of the factors that directly influence and are influenced themselves by the operations of an organization. These factors are identified below: Organizational policies are often influenced by competitors. In a competitive market, all organizations attempt staying and staying ahead of others. Therefore, customers always have lots of options and product qualities improve. Every organization has the primary goal of achieving high customer satisfaction standard. A customer purchase is the key element that helps a company survive and thrive. Suppliers are those who provide products or service materials. Good relations with suppliers is the key to keep the organization stocked with quality input materials, so management must deal with them carefully (Michalos 2017). Regulators as a unit boast of the authority for controlling, regulating or influencing the policies and practices inside an organization. The main players are government agencies, and the created interest groups attempt at influencing both the organizations as well as the government. The strategic partners of any organization are the individuals or organizations with w hom there exists an agreement or understanding to ensure development of the organization and its operations. These partners, in one way or another have an impact on the activities of the organization (De Medeiros, Ribeiro and Cortimiglia 2014). The best model to understand and apply the external factors of an organization is with PESTLE (political, economic, social, technological, legal and environmental) analysis. In case of internal factors, the best model is SWOT (strengths, weaknesses, opportunities and threats) analysis (Epstein and Buhovac 2014). Conclusion From the discussion, it is evident that every manager must be aware and have an understanding of the external and internal nature of the business environment. If a manager is unaware and lacks comprehension regarding the environment of the organization, he or she would definitely face difficult situations, and so would the organization in the current fast and hyper-moving organizational environment. References Arregle, J.L., Naldi, L., Nordqvist, M. and Hitt, M.A., 2012. Internationalization of family?controlled firms: a study of the effects of external involvement in governance.Entrepreneurship Theory and Practice,36(6), pp.1115-1143. Bridge, S. and O'Neill, K., 2012.Understanding enterprise: entrepreneurship and small business. Palgrave Macmillan. Chan, R.Y., He, H., Chan, H.K. and Wang, W.Y., 2012. Environmental orientation and corporate performance: The mediation mechanism of green supply chain management and moderating effect of competitive intensity.Industrial Marketing Management,41(4), pp.621-630. De Giovanni, P., 2012. Do internal and external environmental management contribute to the triple bottom line?.International Journal of Operations Production Management,32(3), pp.265-290. De Medeiros, J.F., Ribeiro, J.L.D. and Cortimiglia, M.N., 2014. Success factors for environmentally sustainable product innovation: a systematic literature review.Journal of Cleaner Production,65, pp.76-86. Epstein, M.J. and Buhovac, A.R., 2014.Making sustainability work: Best practices in managing and measuring corporate social, environmental, and economic impacts. Berrett-Koehler Publishers. Hanim Mohamad Zailani, S., Eltayeb, T.K., Hsu, C.C. and Choon Tan, K., 2012. The impact of external institutional drivers and internal strategy on environmental performance.International Journal of Operations Production Management,32(6), pp.721-745. Kuratko, D.F., Hornsby, J.S. and Covin, J.G., 2014. Diagnosing a firm's internal environment for corporate entrepreneurship.Business Horizons,57(1), pp.37-47. Lambert, S.C. and Davidson, R.A., 2013. Applications of the business model in studies of enterprise success, innovation and classification: An analysis of empirical research from 1996 to 2010.European Management Journal,31(6), pp.668-681. Michalos, A.C., 2017. The impact of trust on business, international security and the quality of life. InHow Good Policies and Business Ethics Enhance Good Quality of Life(pp. 127-153). Springer International Publishing. Sekaran, U. and Bougie, R., 2016.Research methods for business: A skill building approach. John Wiley Sons. Wilden, R., Gudergan, S.P., Nielsen, B.B. and Lings, I., 2013. Dynamic capabilities and performance: strategy, structure and environment.Long Range Planning,46(1), pp.72-96.