please fill out the definitions of each term:

51. Latency

52. Lectin

53. Leukocytes

54. Memory cell

55. Major histocompatability complex (MHC)

56. Monoclonal antibody

57. Myeloid cells

58. Negative selection

59. Opsonin

60. PAMP

61. Parafollicular boundary

62. Pathogen

63. Pathogenicity

64. Pattern recognition receptors (PRRs)

65. Phagocyte

66. Plasma cell

67. Polyclonal antibody

68. Positive selection

69. Primary lymphoid tissues

70. Primary response

71. Professional APCs

72. Secondary lymphoid tissue

73. Secondary response

74. Soluble defensive factors

75. Somatic recombination

76. Stem cell

77. T cell independent (TI) B cell Ag

78. T cell dependent (TD) B cell Ag

79. T cell receptor (TCR)

80. Thymic education

81. Thymocyte

82. Tolerance (central, peripheral and other)

83. Vaccine

84. Vector

85. Virulence

86. Zoonosis

What would the Python code be to create the following working program using turtle:

-Make 4 turtles that are YELLOW, and 4 turtles that are GREEN. Create these turtles using one or more lists.

-Make the yellow turtles start at a different randomized location somewhere on the left side of the screen within the range of (-100,100) and (0, -100)

-Make the green turtles start at a different randomized location somewhere on the right side of the screen within the range of (0,100) and (100, -100)

-Both the yellow and green turtles should be moving randomly.

-Create a boundary for the turtle game using a circle with a 500 unit radius using an invisible turtle- i.e.: it does not count as one of the turtles on either separately colored team.

-If a turtle hits the boarder, the turtle should have it's color changed to the color red and should teleport back to the center of the screen at (0,0) and continue moving with random movements.

-Every turtle should have a speed of 1.5

-All of the turtles should continue randomly moving and preforming the code above UNTIL 1500 time units have gone by.

Maybank: Meeting Customer Needs in a Changing Environment

Menara Maybank, the Head Office of Malaysia's largest financial services group, Maybank, may stand 58 storeys in central Kuala Lumpur, but the corporation's activities are by no means restricted to its home city, or even home country. Of the 14 countries over which more than 450 offices are spread, eight (Malaysia, Indonesia, Brunei, Singapore, Philippines, Vietnam, Myanmar, and Cambodia) are part of the Association of South East Asian Nat ions (ASEAN). Maybank also works closely with 700 foreign banks around the globe.
Now almost 50 years old, Maybank has matured into a corporation offering an extensive range of financial products and services. Its businesses include commercial banking, insurance, finance, asset management, investment banking, and Islamic banking. This Malaysian bank has been able to develop into the success that it is today by analyzing and reacting to various relevant macro-environmental forces that influence its business. The social, economical, regulatory, and technological forces in Asia appear to have directed much of May bank's actions in recent years.

SOCIAL FORCES
The social forces that influence Maybank can be categorized into changes in demographics and changes in values. One of the most obvious recent demographic changes in Asia is the increase in the median age of the general population. This indication of an aging population has brought about substantial growth in savings and retirement plans. Other factors that have caused a surge in savings include increasing number s of both smaller household s and double- income families. The resulting higher gross house­ hold incomes mean higher discretionary incomes that can be saved or invested. Maybank offers a number of savings and investment account options such as the Gold Savings Passbook Account and Flexi Plan 2. The variety of choices makes it possible for customers to select the most appropriate plan, which can be personalized to best suit themselves. Another noteworthy change in Asian demographics is the increasing level of education and academic qualification of the average person. This leads to a better aware­ ness and understanding of the importance of saving and investing among the younger generation. To further educate the youth and encourage financial management, Maybank pioneered on line savings accounts for the teen­ age market by developing the "imteen" account. Teenagers with an imteen account can access banking services over the Internet; they can track their savings balances and pay their bills on line. Additional features include a range of downloadable product s and cash awards.
Large proportions of Asian populations have relocated, from urban to more rural regions, as well as from home to foreign countries. Maybank has responded to the urbanization of previously rural areas by establishing branches throughout the Asian region as well as the world. This helps to support and serve customers regardless of their location.
In general, the reshaping of Asian values stems from changes in the demographics of the people who hold these values. For instance, people with higher educational qualifications place great importance on efficiency and staying up-to-date with current events and situations. To support the busy lifestyles of these customers, Maybank developed the low-maintenance Premier Club account for "individuals who are constantly on the go” Another important demographic change is the increase in the number of double-income couples, resulting in a growing emphasis on the togetherness of a family. As more parents have less time to spend with their children. they have come to place higher value on leisure time spent as a family. In China, an increasingly more educated population , who are more aware and open toward foreign practices, has brought about the implementation of the Jive-day working week. Emphasis on family unity and longer weekends has contributed to increased tourism at home and abroad, while a more open attitude toward foreign influences has resulted in a growth in foreign investments and multinational businesses. The consequent increase in foreign currency use in Asia, propelled by the overall globalization of the world, led Maybank to offer its customers its range of foreign currency accounts.
The most significant advantage of Maybank's foreign currency accounts is the minimized risk of foreign exchange rate fluctuations. Available in over 10 currencies, each account is a comprehensive package with a list of additional features, one of which is discounts on traveler's checks. The targeted segments include Malaysian residents who have an overseas source of regular income because they are employed in foreign countries, and non -Malaysians who are employed in Malaysia.

ECONOMIC AND REGULATORY FORCES
Asia has recently experienced much liberalization in trade and investment, which can be categorized as both an economic and regulatory force. Maybank's range of foreign currency accounts was also a response to this macro-environmental change.
Liberalization in trade and investment is encouraged in Asia in order to facilitate international interactions in the economic and social arenas by diplomatic coordination of regulations and standards. Examples of changes in regulations concerning trade and investment include the reduction of import tariffs, and the abolition of subsidy payments and tax exempt ions granted to exporters. The ASEAN countries Free Trade Agreement (AFTA) is a typical example of regulatory changes that aim to change the economic environment of Asian regions. This trade bloc agreement was first signed in 1992, and today the ten ASEAN countries conform to it. In addition to reducing tariffs, AFTA also eliminates other trade barriers such as the formalities of verification and cross-notification. The result of such trade liberalization is improved economic efficiency, which in turn means increased attractiveness of the countries to foreign direct investment.

TECHNO LOGICAL FORCES
The ever-changing technological scene in Asia, a part of a global development, has prompted Maybank to implement various features and services to better satisfy customer need s and wants. One of the most evident recent technological developments is the declining cost of computers and other electronic devices. Complemented by the development and expansion of the Internet, this has led Maybank to not only create a corporate website, but also offer a comprehensive range of services that are accessible online. For example, customers can view and make transact ions, pay bill s, and send questions or feedback from the website. Such services create substantial value for customers, many of whom use the Internet on a daily basis. Maybank also offers a brief yet informative tour of services for those who are less confident about using the Internet-based tool. With the sophistication of the Internet has arisen the issue of cyber security, yet another technological change to which Maybank has had to respond. Its website provides information and advice on safe Internet banking habits, including choosing appropriate usernames and passwords, clearing browser cache, logging out securely, and updating security software. Moreover, Maybank implemented the Transaction Authorization Code (TAC) system in 2004 to create an even more secure Internet environment for its customers. Customers are required to provide a TAC in addition to their username and password; TAC provide s a second layer of security for customers performing online banking transactions. Furthermore, the Maybank website is constantly undergoing expansion and enhancement. Cell phones have become commonplace in Asia, as they have in other parts of the world. Dependence on cell phones is increasing, fueled by an expanding range and network of mobile services. Maybank offers many services accessible by cell phones. For example, customers can send text messages via Short Message Service (SMS) or call to request their TAC. Maybank's mobile financial services enable customers to use their currency via mobile phones. Maybank promotes it as a "secure and convenient" method of conducting electronic cash transfers, downloading and purchasing products and services, paying bill s, as well as topping up prepaid accounts.

Questions

What macro environmental forces affect the banking industry? What implications can be drawn as a result for marketing strategies in the banking industry?

How has Maybank responded to the macro environmental changes? Are the responses appropriate? What other responses would you suggest?

3a.   How do you see the similarities and the difference between managing a product vs managing a service?

3b.   What are the four characteristics for managing a service industry; and if apply into a banking industry, what are the proposed solutions for each of the unique characteristic. Please kindly elaborate each of the characteristic.

1. How does exercise of increasing intensity change HR? What controls this change?
2. What changes are anticipated in an ECG recording in the transition from rest to exercise? What abnormal or pathological changes may occur in the transition from rest to exercise?

respond to the following in a minimum of 175 words:

This week focuses on criteria for calculating capital changes and consolidated financial statements.

Discuss the criteria for calculating capital changes. How do you calculate change in working capital from balance sheet?

respond to the following in a minimum of 175 words:

This week focuses on criteria for calculating capital changes and consolidated financial statements.

Discuss the criteria for calculating capital changes. How do you calculate change in working capital from balance sheet?

Describe two tools the Fed can use to affect the money supply, other than open market operations. Changes in required reserves and changes in the discount rate.

Please answer step by step write very clearly if Possible with computer.

Write a function named findIndex that takes an array of integers, the number of elements in the array, and two variables, such that it changes the value of the first to be the index of the smallest element in the array, and changes the value of the second to be the index of the largest element in the array.

Please complete this in C++

Briefly explain whether each of the following statements is true or false.

5. The permanent income theory of consumption predicts that saving responds less to permanent changes in income than temporary changes in income.

Please include a detailed explanation with graphs.