Friday, January 24, 2020
An Investigation of Wachovia :: essays research papers fc
An Investigation of Wachovia Table of Contents 1.     Background 1.1     Company History†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     1 1.2     Driving Force†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..........     1 1.3     Location†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..........     1 1.4     Quick Summary of: 1.4.1     Employees†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..     1 1.4.2     Revenues Growth†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     2 1.4.3     Income Growth†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     2 1.5     Website†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.2 2.     Products/Services 2.1     Major Categories of Products/Services†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..     2 2.2     Target Marker†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.     3 2.3     Important Characteristics of Wachovia†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..     4 2.4 Differentiation from Competitors†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     4 2.5 Market Share†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     5 2.6 New & Upcoming Features†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.     5 3.     Market Analysis 3.1     Industry Characteristics†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦6 3.2 Current State of Technology†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     6 3.3 Competitive Analysis†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...     7     3.4 Social/Legal/Ethical Issues†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..     9 4.     Financial Information 4.1     Ownership Structure†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     12 4.2     Income Statement & Balance Sheet Analysis†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.     12 4.3     Trend for: 4.3.1     Share Price†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦13 4.3.2     Investment Performance†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..     14 5.     Recommendations 5.1     Current Technology & Improvements 5.1.1     Strategic Management†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.     14 5.1.2     Products & Service Offerings†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.     15 5.1.3     Customer Relations†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.     16 5.1.4     Human Resources†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     17 5.1.5     Marketing & Sales†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..     18 5.1.6     Accounting and Finance†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.     19 5.1.7     Distribution of Money†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     19 5.1.8     Alliances & Partnerships†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã‚     20 1.1     Company History Wachovia was formed in 2001 by the merger of Wachovia Corporation and First Union Corporation. Wachovia National Bank was formed in Winston, North Carolina in 1879. The name Wachovia came from the Latin name for the German word Wachau. In the mid eighteenth century Moravian settlers gave the name Wachau to a tract of land in North Carolina because it resembled a piece of land along the Danube River called Der Wachau. First Union Corporation was formed in the early Twentieth century funded by a $100,000 stock issue. The company’s first headquarters were in a hotel in Charlotte, North Carolina. The company later merged with First National Bank of Ashville to form First Union National Bank of North Carolina. 1.2     Driving Force The current Chief Executive Officer of Wachovia is Ken Thompson. Thompson has been with the company since 1976 and previously held the CEO position at First Union Corporation. Wachovia is the fourth largest holding company in the U.S. and is the third largest full-service brokerage based on assets. 1.3     Location Wachovia headquarters is located in Charlotte, North Carolina, but the company has operations internationally. The company operates 3,900 financial centers and retail brokerage offices in forty-nine states and around the globe. 1.4.1 Employees Wachovia has 95,000 employees world wide. Of those ninety-five thousand, there are ten thousand-five hundred registered financial service representatives. 1.4.2 Revenues Growth In 2003 Wachovia had revenues of 24.4 billion dollars compare to 23.51 billion dollars in 2002. The increase in 2003 was the third consecutive year that Wachovia has seen year-end revenue growth. Currently, Wachovia has experienced fifteen percent revenue growth in the first two quarters of 2004 and an eleven percent decrease in revenues in the third quarter.     1.4.3 Income Growth Wachovia has seen income growth for nine consecutive quarters dating back to the second quarter of 2002 when compared to prior year income. Net Income in 2003 was 4.2 billion dollars compared with 3.6 and 1.6 billion dollars in 2002 and 2001. 1.5 Website The Wachovia corporate website is www.wachovia.com 2.1 Major Categories of Products/Services Wachovia Corporation is one of the nation’s largest providers of financial services to retail, brokerage, and corporate customers.
Thursday, January 16, 2020
Is Wal-Mart Good for America
Wal-mart is the most powerful business in America because it sets standards for America as a whole. Wal-mart is one of America’s most leading discount stores making it more favorable to consumers. Wal-mart makes things convenient by having everything you need in one store at the cheapest price. Wal-mart has an amazing strategy of making things seem cheap; however, it’s an illusion. I believe the United States hasn’t benefitted from Wal-Mart in multiple ways. Walmart has taken advantage of their opening price point. They’re strategy is bringing out the cheapest item in front of an aisle and pulling you towards it, however, as you are pulled towards it, you are led into higher priced items creating the illusion that the whole aisle is at a lower price as well. Consumers fall for it and buy it and that’s how Wal-mart makes a tremendous amount of profit. So does tricking consumers really make Wal-mart a good corporation for America? Another reason why Wal-mart isn’t good for America is pay cuts and job losses. According to PBS Frontline, â€Å"over 1 million jobs have been lost to China.†Jobs that used to be easy to get in America are being lost to China, like steel workers and plastic workers, just for companies like Wal-mart. Wal-mart has too much power over smaller manufacturers. They buy cheap imports which hurt American blue-collar workers tremendously. This shows that Wal-mart is not good for America.
Wednesday, January 8, 2020
An Analysis Of Flannery O Connor - 1212 Words
The percentage of people who say they believe in God, pray, frequently go to religious services, embrace minimal religious practices or find their faith meaningful has declined over the last 50 years. A growing group of Americans do not believe in God or any organized faith. In fact, unbelief is even fashionable. Religious conviction is perceived as burdensome or an outdated attitude - easily discarded. This is the backdrop upon which 20th century American, Southern Gothic writer, Flannery O’Connor, wrote her books and short stories in the 1950s and 1960s. She, in her short stories and books of fiction, did not describe beautiful rooms or people living happily ever after; she wrote about the human condition in the American South and the state of religious conviction. She wrote about unbelievers, lukewarm souls, narcissists and the spiritually illiterate. She wrote about racists, white trash, busy bodies and poor, beaten down black folks. She wrote about the unraveling of faith where the default mode for her characters was apathy, smugness, desapir or indifference. She believed the South was haunted by religion but as a group were literally swimming in mediocrity, cynicism and emptiness – a rough and tumble nihilism. They might say their faith mattered or attended services, but many were just lying to their neighbors and themselves. To her, they were just checking the box with a faith bordering on tepid and pathetic. She felt, given their current status, they would not know aShow MoreRelatedAnalysis Of Greenleaf By Flannery O Connor1105 Words  | 5 Pagestheir place in the hierarchy of society. People become fixated on one idea they have of a person in a certain social class, that anybody who breaks out of specific stereotypes may often cause anger amongst others. In the short story â€Å"Greenleaf†by Flannery O’Connor, the main character, Mrs. May, is obsessive about the way others perceive her and her place in society. Mr. M ay’s identity is so strictly tied to her desire to get to a higher social class and her notions how society should work, that sheRead MoreAnalysis Of Flannery O Connor s A Good Man Is Hard Essay1426 Words  | 6 PagesResearch Analysis for A Good Man is Hard to Find Flannery O Connor s A Good Man is Hard to Find is certainly a surprising work of literature. With this story having a not so happy ending, it goes against all of the conventional ideas on what a typical storybook ending should be. Another unusual thing about A Good Man is Hard to Find is the use of the term good. It is thrown around excessively through the entire tale by the grandmother and even the Misfit seems to use this word as wellRead MoreAnalysis Of The Story Disclosure By Flannery O Connor962 Words  | 4 PagesFlannery O Connor s experience impacted her to compose the short story Disclosure. One vital effect on the story is her Southern childhood. Amid her lifetime, Southerners were exceptionally biased towards individuals of different races and ways of life. They trusted that individuals who were less lucky were second rate compared to them; accordingly, individuals were named as various things and put into various social classes. The South gave O Connor the pictures she required for her charactersRead MoreAn Analysis Of Flannery O Connor s A Good Man1425 Words  | 6 PagesBakane Franca Dr. Lorna Wiedmann English 202-025 December 12, 2014 The Devious Grandmother Have you ever noticed that, many individuals never awaken to reality unless they are exposed to violence? In Flannery O’Connor’s short story â€Å"A Good Man is Hard to Find†his main character, the grandmother is a master manipulator. In the story, a family is destroyed not only because of accidents caused by the grandmother, but also because the grandmother is inconsiderate and self-centered; they are all killedRead MoreAn Analysis Of Flannery O Connor s A Good Man933 Words  | 4 PagesIn Flannery O’Connor’s short story â€Å"A Good Man is Hard to Find†, the fate of the family is foreshadowed within the very first few paragraphs. The grandmother in the story tries to convince the family that going to Tennessee would be much more suitable for the family vacation not only because had the children been to Florida before, but there is a criminal who has escaped from federal prison and is headed that way (1076). She tries to inform her so n, Bailey, and his wife of the convict who claimsRead MoreCritical Analysis Of Flannery O Connor s Good Country People 1787 Words  | 8 PagesA Critical Character Analysis of Flannery O Connor s â€Å"Good Country People†, â€Å"A Good Man is Hard to find†, Everything That Rises Must Converge. You can never forget the time you re living in because the past is the past and it will never come back. So to adjust your philosophy and creativity in fashion to the time you re living in is the most important thing. - Donatella Versace In each of Flannery O’Connor’s stories there is a very different perspectives in the stories also in theRead MoreAnalysis Of `` Everything That Rises Must Converge By Flannery O Connor1479 Words  | 6 PagesSophie Halavy English 2â€â€Prof. Sosner 6 May 2015 Self-Awareness in â€Å"Everything That Rises Must Converge†Flannery O’Connor’s short story â€Å"Everything That Rises Must Converge†emphasizes the hostility and racial discrimination that white southerners exhibited towards African Americans as a result of integration during the 1960’s. This short story focuses not only on the white American’s living in poverty, but also accentuates the ways in which two people born in different generations react to racialRead MoreAnalysis Of Everything That Rises Must Converge By Flannery O Connor981 Words  | 4 Pagesâ€Å"Everything That Rises Must Converge†the social concerns of the 1960’s â€Å"particularly the disorder of the modern world and the impact of cultural and social change--are prevalent†and addressed on multiple occasions (Schoenberg). The approach used by Flannery O’Connor might be seen as one that is ironic. Dorothy McFarland makes note of this by commenting on â€Å"whatever signs of convergence of social classes or races are evident in the story are dealt with by the characters in ways that minimize any realRead MoreAnalysis Of `` Everything That Rises Must Converge By Flannery O Connor1620 Words  | 7 PagesThe character of Julian in Flannery O’Connor’s â€Å"Everything That Rises Must Converge†is one that evokes conflicting emotions in readers. On an immediate judgment, it would be easy to view Julian as someone who is pretentious and narcissistic. Throughout the course of the piece, he is presented as being constantly bored and disgusted with those around him, because he believes he is more highly educated. Based on his presentation in the text, it is easy to think that Julian is using his advanced educationRead MoreGrace: Analysis of The Enduring Chill by Flannery O ´connor and A Personal Experience951 Words  | 4 PagesIn the short story The Enduring Chill, a man by the name of Asbury Fox is presented with God’s grace multiple times throughout t he short story. He is offered God’s grace in the form of his mother, a stain on the ceiling, and a Jesuit priest. In the short story, Asbury is a failed writer who blames his failures on everyone else except himself. He has a sense of intellectual superiority to all those around. He is also sick and believes he will die from this mysterious disease. The first time Asbury
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