Saturday, January 25, 2020

UK Interest Rates During the Financial Crash

UK Interest Rates During the Financial Crash Central banks always have responsibility to keep a stable economy which includes stable prices, low inflation rate and confidence in the local economy. The main tool used by central banks for these propose is monetary policy which will influence the interest rate, and the way of conduct it varies from country to country. This essay will look into the Bank of England and explain the transmission of monetary policy and how the policy affected by the credit crunch. The Bank of England gained its independent right to set up interest rate according to the target inflation rate since May 1997. The preferred target inflation rate in the United Kingdom is 2% and the Bank of England sets appropriate interest rate to ensure the real inflation rate is moving towards the target inflation rate in an acceptable time period. However, the fixed target inflation rate does not necessary mean a constant interest rate. An Overview of the change of interest rate in UK banks from 1973 to 2009, from which a fluctuate trend could be observed among the whole period and there was a sharply decrease from nearly 15% to 5% during 1989 to 1993 when the United Kingdom was experiencing an economy recession. After 1993, the interest rate was relatively stable until 2008. However, between 2008 and 2009 the interest rate deeply drops from 5.25% to 0.5% for the recent credit crunch. From the data from the Bank of Englands report, the interest rate decreased at a rate of 1% per month constantly from October 2008 to January 2009 after the Lehman Brothers bankrupt. It is well known that a low interest rate represents a loose monetary policy which is aim to increase the inflation rate and the economy. It may illustrate how the interest rate set by the Bank of England conduct the monetary policy. The official rate set by the Bank of England direct influence the market rates includes the repo rate, bond rate, inner bank borrowing rate and so on. Then the market rate sets the asset prices in the financial market which will in turn affects peoples expectations of the economy. Also, the official rates would give people the signal about how will the market moves. For instance, a decrease in official rate will shows a loose monetary policy to the public and people would expect a rise in the price level and then may increase their domestic consuming demand. In addition, the official rate change will affect the exchange rate directly for it alters the domestic investment rate.(Mishkin, 2006). At the second stage, the official rate indirectly affects the domestic demand and net external demand, which forms the total demand, via the market rates, asset prices, expectations and exchange rate. Then the total demand influences the domestic inflation rate. Finally, the domestic inflation and import prices decide the inflation. For example, as mentioned above, a decrease interest rate will increase the publics domestic demand and also would decrease the exchange rate against foreign currencies which may consequently increase the export demand for the goods will be cheaper for foreign consumers. As a result, the total demand will increase and may eventually raise the price level and lead to an increase in inflation rate. Timing effect is another factor that the Bank of England concerns for the monetary policy. That is to say, the effects of changing interest rate are not instantly but take time to fully function. Some channels may be more sensitive to the change while others may not. The Bank of England estimates that a monetary policy may takes up to 2 years to be fully influence the inflation rate. The past statistic data supports this view that the inflation rate was nearly 2.3% in 2007 and increased to 2.9% in March 2009 during which period a sharp decrease in interest rate could be observed. The reason for this sharp decline of interest rate from 2008 to 2009 is mainly accounts for the credit crunch recently. The credit crunch shows a strong shortage in capital supply and declining quality of borrowers financial health (Mizen, 2008). Also, the credit crunch gives very bad expectation to the public about the economy and the price of real estate was declining relatively. Consequently, investors are lack of motivation to invest for the low earnings due to the declining prices and a high risk for the credit crunch. On the other hand, for the householders may feel less wealth for the decreasing prices and lack of sense of the financial safety, they may reduce the consuming and prefer to deposit in the bank. Both phenomena are not preferable for a growing economy in that the Bank of England cut the rate sharply to increase the supply of capital and wish to encourage the amount of invest and consume to cease the recession. In fact, the GDP growth rate from 2008 to 2009 was only 0.7% and the growth rate from 2007 to 2008 was 3% (Fedec, 2009). The growth in the first quarter in 2009 was even worse, which was 4.1%, that may be the reason for the Bank of England cuts the rate to 0.5%, which was only one tenth compared to the same time last year. As the data shows the inflation rate rose in response to the loose monetary police, the GDP growth rate may not be very optimistic for the pessimistic among the public. References: Bank of England, 2008 â€Å"How Monetary Policy Works†, Bank of England, http://www.bankofengland.co.uk/monetarypolicy/how.htm Bank of England, 2009 â€Å"Base Rate†, Bank of England, http://www.bankofengland.co.uk/statistics/rates/baserate.pdf Bank of England, 2008 â€Å"Monetary Policy Framework†, Bank of England, http://www.bankofengland.co.uk/monetarypolicy/framework.htm Fedec A,2009, â€Å"No End Yet to British Resession†, TradingEconomics, http://www.tradingeconomics.com/Economics/GDP Growth.aspx?Symbol=GBP Mizen P, 2008, â€Å"The Credit Crunch of 2007 2008: A Discussion of the Back ground, Market Reactions, and Policy Responses†, Federal Reserve Bank of St. Louis Review, 90(5). pp.531 67 Mishkin, F.S., Eakins, S.G. 2006, Financial Markets and Institutions, Fifth Edition, Pearson International Edition, pp. 219 244. RateInflation, â€Å"UK Historic Inflation Rate†, RateInflation http://www.rateinflation.com/inflation rate/uk historical inflation rate.php?form=ukir Part B Securitization started from 1970s firstly in the US market and then also trivial in the Europe after the new rules was adopted. It is welcomed by most banks because it brings additional way for banks making profits and it is an off balance sheet activity. However, due to variety risks associated with securitization and the endless re securitization, it may lead to sever financial crises. In fact, this would be the main reason for the Northern Crisis and the recent credit crunch (Mizen, 2008). This essay will first introduce the process of securitization then explain the risks in the process with a special focus on mortgage backed securitization and discuss its effects in the credit crunch. The definition of securitization is quite straightforward: it is â€Å"the process of pooling and repackaging loans into securities that are then sold to investors† (Ergungor, 2003). There are many assets would be securitized such as: mortgages, home equity loans, manufactured housing loans, credit card receivables and so on. By securitization, banks are able to sell those illiquidity assets to different investors. Besides, banks would create derivates by pooling assets together. There are variety types of securitization depending on the backed asset or payment method. For instance, the most popular type of securitization is Mortgage Backed Securitization (MBS), and there are Asset Backed Securitization (ABS), and Collateralized Debt Obligation (CDO). Basically, the progress of mortgage backed securitization creates a mortgage pool and the agency sells shares of the pool to different investors according to their preferences. Then the cash flows from the mortgage passed along to investors (Van, 1998). Agencies usually pooled together mortgage and divide those payments into several parts and develop different cash flows to create different type of securities which may have different maturity or yields, and sell them to investors with different risk attitude. The total sum of cash parts will be equal to the whole. The progress of securitization brings considerable benefits to banks. First of all, as banks are regulated to meet the minimal capital requirement which may reduce profits banks would earn. As a result banks may prefer to engage in securitization which is off balance sheet so that do not require banks to meet the capital requirement and gives a more attractive opportunity for banks earning. On the other side, investors prefer less risky and higher return which could be fulfilled by buying the debts through securitization. It is less risky for it is backed by mortgage and has a higher rate than deposit. Besides, as the Great Depression and bank fails not very long before, investors no longer consider deposit in the bank as a safe heaven (Ergungor, 2003). In this procedure, agencies do not really have cost except transaction costs which will be induced from investors. In addition, if another investor buys a share, he may also securitize it and sell it to others. In that way, one mortgage would be re securitized many times. Consequently, if one mortgage fails to repay, many securities may face the risk of default which to some extend enlarge the risk to the whole financial system. In contrast to default risk, agencies also face repayment risk in the process. To be more specific, for example, if the borrower expects the interest rate would fall then he may repay the debt early to refinance in a lower cost, meanwhile, agency are suppose to produce constant repayment periodically to investors who buy the MBS. As a result, the agency have to reinvest the amount of money repaid early by borrowers and which forces them engage in a reinvestment risk in case the interest rate may fall. Mizen(2008) points out that the credit crunch started from 2007 is very complicated for now there are many financial innovations giving ways to packaging and reselling assets. Then he argues that the main reason for these financial crises is mispricing risk of the products which are mortgage backed securities. Historical events show that the beginning of this credit crunch was a serial of mortgage defaults. Then these defaults bring downgraded subprime related mortgage products which then lead to countrywide mortgage bank losses in the U.S. However, this trend did not stop; it soon spread to European banks which have tight relationship to the U.S. financial markets. It is acknowledged that the Credit crunch of 2007 2008 develops after this the full scale (Mizen, 2008). The amount in billions of dollars of household credit market debt outstanding from 1950 to 2009. It could be seen that the trend of growing was much shaper after 2000 and peaked in 2009 when the approximately $11 trillion is mortgage debt (Bubbles, 2008). It is not hard to imagine that 1% of the total amount of mortgage debt was securitized and only 1% of the securitized debt was re securitized when some of them default, how great the amount of dollars would be involved in. That was what happened in the Credit Crunch, for a trivial subprime mortgage market, financial institutions are tied in a line and the re securitization strength this tie and increase the risk and the price of default. Once one default, the whole will suffer, the globalization also enlarges the scale that will suffer. References: Bubble H,2008, â€Å"A Decade of Slow Growth: Why the United States will Face a Decade of Economic Stagnation and Face a L Shaped Recession. 10 Charts and Pictures as to Why This will Occur.†, http://www.doctorhousingbubble.com/a decade of slow growth why the united states will face a decade of economic stagnation and face a l shaped recession 10 charts and pictures as to why this will occur/ Ergungor E,2003, â€Å"Securitization†, Federal Reserve Bank of Cleveland, August 15, 2008 Mizen P, 2008, â€Å"The Credit Crunch of 2007 2008: A Discussion of the Back ground, Market Reactions, and Policy Responses†, Federal Reserve Bank of St. Louis Review, 90(5). pp.531 67 Van H, James C (1998), Financial Market Rates and Flows, Chapter 13, PP 119. Prentice Hall

Friday, January 17, 2020

System Thinking and Action Research

System Theory and Action Research Susan M Ross Dr. Tyler Zerwekh September 15, 2012 Abstract Public health practices and policies are largely influenced by the population involved and seek to improve the overall health of the public. Achieving success in systems thinking requires making strategic decisions about what processes will best achieve the public health goals. Systems Theory Information Technology Systems Theory evaluates the relationship between information systems, and information technology, and people.Action Research is used in the field of public health to alleviate adverse conditions in communities by addressing the determinants of health, community-wide interventions, and health promotion. Examples of Action Research evaluate the computer usage and health information technology and health collaboration groups as well as promotion of information health management techniques. An emphasis on relationship is the heart of systems orientation.Systems thinking involving huma ns require an understanding of the nature of the system and its dynamics requires and an understanding of the people involved and the interaction with each other in the applicable network of the system. Action Research is a participatory, democratic process concerned with developing practical knowledge in the pursuit of worthwhile human purposes, theory and practice, in participation with others in the pursuit of practical solutions to issues of pressing concern to people, and more generally the flourishing of individual persons and communities. Reason & Bradbury, 2001). This paper will present a demonstration of a thorough analysis of a systems theory, action research, and an action research proposal to analyze the theory in relation to Caucasian socio-economic group. Systems Theory Fundamental systems-thinking perspectives and approaches that are shared across different fields are: (1) increased attention to how new knowledge is ained, managed, exchanged, interpreted, integrated, and disseminated; (2) emphasis on a network-centric approach that encourages relationship-building among and between individuals and organizations across traditional disciplines and fields in order to achieve relevant goals and objectives; (3) the development of models and projections, using a variety of analytic approaches in order to improve strategic decision making; and (4) systems organizing in order to foster improvements in organizational structures and functions (Leischow, et. al, 2008).Achieving success in systems thinking requires making strategic decisions about what processes will best achieve the public health goals for the designated population and how new discoveries can be disseminated effectively, and what structures and functions are needed to deliver the new knowledge. Effective knowledge flow results in better network performance, which allow for the achievement of systems-level change. Systems organizing have evolved from traditional management theory to a learn ing organizational theory, or an adaptive-systems perspective within other systems environments.Information Technology Systems Theory Information Systems (IS) theory is de? ned as concepts that speculate on social and technical relationships between Information Technology, Information Systems and social outcomes. Much IS theory originated in other disciplines and has been re? ned or applied to examine IT/IS issues. IS theory would also be classified as to include the technology acceptance model (TAM) and structuration theory and IT productivity models as applied to IS/IT phenomena (Chiasson, Davidson,2004) . Over the past years public health systems have evolved significantly.As personal computers became more powerful and operating systems became more usable with the advent of Microsoft Windows, Computer information systems were updated to make use of more modern features, capabilities and software. Public health agencies began to recognize that information technology was a legitima te target for investment to improve their ability to perform core public health functions. As agencies began to upgrade replace or create new systems that were more robust and specialized using modern database management systems and tools on more reliable platforms, and the Internet began to come into its own.The Center for Disease Control promoted its first System wide area communication and system integration projects through its Information Network for Public Health Officials (INPHO) initiative in 1993. (Artz, Salkowitz, 2007). Computer technology moved fairly quickly from the glass confines of the dedicated computer room to the general-purpose office. Over the past thirty years standards for technology have become an important fixture of organizational computing life.Enforcement of standards also varies greatly depending on the political support for Information Technology (IT). As applications became more network-aware and network dependent, the need to leverage network investme nts became critical. Public health agencies became more ambitions as technology became more enabling. Computer Information Technology has a lot to offer Public Health agencies: existing data sets may be consolidated and population-based, including experiences negotiating data sharing agreements and memoranda of understanding.With advancing technology national and international standards are being quickly developed to guide this functionality. (Artz, Salkowitz, 2007). Standards with compliance for patient information data sharing among different agencies, and back-up systems in the event of system failure and crisis are also among the concerns for globalizing Information Systems. Action Research Action research is a collaborative approach to research that provides people with the means to take systematic action in an effort to resolve specific problems.Action research focuses on methods and techniques of investigation that take into account the study population’s history, cult ure, interactive activities and emotional lives. Although action research makes use of many traditional data-gathering strategies, its orientation and purpose are slightly different. The basic action research procedural routine involves four stages; (1) identifying the research question (s), (2) gathering the information to answer the questions (s), (3) analyzing and interpreting the information and (4) sharing the results with the participants (Berg, 2004).Action Research is used in the field of public health to alleviate adverse conditions in communities by addressing the determinants of health, community-wide interventions, and health promotion. Indeed, action research is less a methodology and more a set of guidelines for the roles of the researcher and collaborators, interweaving theory and action and the function of the research knowledge.There are many subtle variations and iterations of action research, but a gross distinction could be made between action research that is co nducted by a researcher implementing an intervention at a community level for the dual purposes of change and knowledge outcomes versus community based participatory action research where those affected by the change and other important stakeholders participate in all stages of the research from design, implementation, and data gathering to analysis.Participatory action research approaches often have the additional goal of promoting critical consciousness where through cyclical stages of dialogue participants attain a greater understanding of their situation, which in turn may result in political or major social change (Mullett, Fletcher, 20). Critics of Participatory Action Research (PAR) have questioned whether the reality of participatory research is ideal for promoting a healthy community.The language of participation in health promotion research, and the inattention to gender, social and cultural (as in the use of universal terms like â€Å"the oppressed†) differences in participation in research processes do not always comport with the outcome values of PAR. Further, while participatory approaches can stimulate capacity building and community development, they can also bring unequal players to an uneven table to participate in difficult predetermined decision making (Minkler, 2000).Action research also called participatory research is an alternative philosophy of social research. Three particular attributes are often used to distinguish participatory research from conventional research: shared ownership of research projects, community-based analysis of social problems, and an orientation toward community action. Critical action research expresses a commitment to bring together broad social analysis—the self-reflective collective self-study of practice, the way in which language is used, organization and power in a local situation, and action to improve things.Critical action research is strongly represented in the literatures of educational action research, and there it emerges from dissatisfactions with classroom action research that typically does not take a broad view of the role of the relationship between education and social change. Critical action research has attempted to take account of disadvantage attributable to gender and ethnicity as well as to social class in its initial point of reference (Kimmis, McTaggart, 2007). Examples of Action Research Lau and Hayward (1997) used an action research approach in a study to explore the structure of Internet-based collaborative work groups.Over a two-year period, the researchers participated as facilitators in three action research cycles of problem-solving among approximately 15 instructors and project staff, and 25 health professionals from various regions striving to make a transition to a more community-based health program. The aim was to explore how Internet-based communications would influence their evolution into a virtual collaborative workgroup. The first phase was taken up with defining expectations, providing the technology and developing the customized workgroup system.The next phase saw the full deployment of the system, and the main lesson learned was that the steepness of the learning curve was severely underestimated, with frustrations only minimally satisfied by a great deal of technical support provided by telephone. The final cycle saw the stabilization of the system and the emergence of the virtual groups. The interpretations of the study suggest that role clarity, relationship building, information sharing, resource support, and experiential learning are important aspects in virtual group development.There was also a sense that more research was needed on how group support systems can help groups interact with their external environment, as well as on how to enhance the process of learning by group members. Comstock and Fox (1995) have written about their experiences in integrating computer conferencing into a learning co mmunity for mid-career working adults attending a Graduate Management Program at Antioch University in Seattle. Their findings relate to establishing boundaries to interaction, creating a caring community, and building collaborative learning.Students were expected to use the system for collaborative learning using three forms of conversation – dialogue, discussion and critical reflection. Dialogues were enjoined as a result of attempts to relate classroom lessons to personal situations at work, with a better understanding provided by multiple opinions. Discussions, distinguished by the goal of making a group decision or taking an action, required a fair degree of moderation, insofar as participants found it difficult to reach closure.The process of reflecting critically on ideas was also difficult – participants rarely took the time to analyze postings, preferring a more immediate, and more superficial, conversational style. The authors conclude with four recommendatio ns: 1) be clear about the purpose of the computer conference and expectations for use; 2) develop incentives for widespread and continuous participation; 3) pay attention to affects of the software on the way the system is used for learning; and 4) teach members of the community how to translate face-to-face collaborative processes to the on-line environment (Reason, & Bradbury, 2001).Action Research Proposal The Affordable Care Act calls for a greater reliance on the internet as a means of communicating health and coverage information, yet variations in the current usage of the internet by some populations have important implications for implementation. Based on the results of The Washington Post, the Kaiser Family Foundation, and Harvard University Race and Recession  Survey(2011),  six in 10 adults overall say they have ever used the Internet to access health information, and access differs by race and  income.Forty-three percent of Hispanics report having ever used the Int ernet to access health information, while 56 percent of blacks and 65 percent of whites report doing so. The differences are even more striking among those with lower incomes. Just three in ten Hispanics with incomes under $40,000 say they have ever used the Internet to access health information, compared with 44 percent of blacks and half of whites with similar incomes. More than 70 000 websites disseminate health information; in excess of 50 million people seek health information online, with likely consequences for the health care system.The Internet offers widespread access to health information, and the advantages of interactivity, information tailoring and anonymity. However, access is inequitable and use is hindered further by navigational challenges due to numerous design features (e. g. disorganization, technical language and lack of permanence). Increasingly, critics question the quality of online health information; limited research indicates that much is inaccurate. Meag er information-evaluation skills add to consumers' vulnerability, and reinforce the need for quality standards and widespread criteria for evaluating health information (Kline, Haynes, 2001).An action research project evaluating the effects of the information technology theory on Caucasians over a period of time would be helpful in providing evidence based research for the Information Technology Systems Theory. The research project would review a group of Caucasian males and females in the same age range, the same level of computer skills and education. The focus of the research is to determine if the majority of access to healthcare was through the use of Information Technology would it create a healthier group then a group with minimal access to healthcare period.The group would be evaluated for a year. During the time frame the group would have an in-person visit with a doctor once every six months except for an emergency. The visit would include a complete physical and required wellness checks. Follow-up visits would be via Skye or video-conferencing. The group would be deemed physically and mentally fit excluding family history of health issues. The group would be given a pass to a fitness center for a year to maintain their health, and would have to maintain contact with a nutritionist and their physician via the computer e-mail o a regular basis.The group would also have access to the Internet anytime they want for the evaluation time. The rest of the environmental and social aspects would be determined by each participate of the research project, meaning that each participates could be local or global as long as there is consistent monitoring of the all of the participates. The evaluation would incorporate Action Research and Critical Action research as some instances would take into account the social economic status of the participants. Given that the largest percentage of whites used the computer and there is a large portion of people that lack acce ss to healthcare in all races.Minimizing variables, such as computer knowledge and education levels and providing all necessary tools to maintain a healthy lifestyle. Researchers would have options to focus the variable changes if there are any on the social economic condition of the individual participants. In conclusion Systems thinking involving humans require an understanding of the nature of the system and its dynamics requires and an understanding of the people involved and the interaction with each other in the applicable network of the system.Public health agencies began to recognize that information technology was a legitimate target for investment to improve their ability to perform core public health functions. Computer Information Technology has a lot to offer Public Health agencies: existing data sets may be consolidated and population-based, including experiences negotiating data sharing agreements and memoranda of understanding. Action research approaches can stimulat e capacity building and community development in designated social status groups if the focus is correctly designated. References Arzt, N. H. Salkowitz, S. M (2007), Evolution of public health information systems: Enterprise-wide approaches, p4-6, 11-13, 18-22. Berg, B. L. , (2004), Qualitative research methods for the social sciences, retrieved on August 23, 2012, from http://digilib. bc. edu/reserves/sc210/piat/sc21007. pdf Chaisson, M. W. , Davidson, E. , (2004), Pushing the contextual envelope: developing and diffusing IS theory for health information systems research, Elsevier Ltd. pg 157, retrieved on September 13, 2012, from http://www. butlercommonplace. org/thoughts/images/d/d0/Chiasson_et_al_2004__Info_and_Org. df Comstock, D. , ; Fox, S. , (1995),  Ã‚   Computer conferencing in a learning community: opportunities obstacles. †Ã‚  Ã‚   http://www. seattleantioch. edu/VirtualAntioch/DRAFT7HT. HTM (14/04/1998). Kemmis, S. , McTaggart, R, (2007), Participatory action r esearch, Communicative action and the public sphere, retrieved on September 13, 2012, from http://www. corwin. com/upm-data/21157_Chapter_10. pdf Cline, R. J. W. , & Haynes, K. M. , (2001) Consumer health information seeking on the Internet: the state of the art, Oxford Journals, Volume, 16, Issue 6, pp671-692, etrieved on September 13, 2012, from http://her. oxfordjournals. org/content/16/6/671. long Lau, F. , and Hayward, F. (1997). â€Å"Structuration of Internet-based collaborative work groups through action research. Retrieved on September 13, 2012 from   http://search. ahfmr. ab. ca/tech_eval/gss. htm (11/4/1998). Leischow, S. J (2008), Systems thinking to improve the public’s health, American Journal of Preventive Medicine, retrieved on September 9, 2012, from http://dccps. nci. nih. gov/brp/scienceteam/ajpm/SystemsThinkingImprovePublicsHealth. pdf. Mullett, J. Fletcher, S. , (2011), Action research in public health, Oxford Index, retrieved on September 13, 2012, fr om http://oxfordindex. oup. com/view/10. 1093/obo/9780199756797-0018 Minkler, M. , (2000) Using participatory action research to build healthy communities, Public health reports, Focus on healthy communities. Retrieved on September 13, 2012, from http://www. ncbi. nlm. nih. gov/pmc/articles/PMC1308710/pdf/pubhealthrep00022-0089. pdf Reason, P. , ; Bradbury, H. (2001). Handbook of action research: participative inquiry and practice. London: SAGE. Retrieved on September 7, 2012

Thursday, January 9, 2020

The Fbis Honors Internship Program - 1093 Words

While participating the FBI’s 2017 Honors Internship program I was assigned to the Counterterrorism Division at FBI Headquarters, in the Counterterrorism Internet Operations Section (CIOS). I worked primarily with three of the internal units of CIOS, the Computer Internet Operations Unit I (CIOU I), the Computer Internet Operations Unit II (CIOU II), and the Net Talon National Intuitive (NTNI). Both of the CIOU units primarily serve at the headquarters program managers for online based terrorist investigations, located both overseas and domestically. The units provided support for the online operations run under the NTNI in their assigned CONUS areas. NTNI trains and manages the Bureaus Online Covert Employees (OCE) under their directives†¦show more content†¦In order to further the Bureau’s and the Section’s mission, I assisted with and managed several projects over the course of the internship so far. I completed a large scale administrative project th at involved reorganizing and evaluating the NTNI/CIOU I/CIOU II program managed cases across multiple platforms based on the given parameters, as well as assessing their US threat nexus. OCE effectiveness given the circumstances of the case was also evaluated in action to the above stated parameters. I also provides additional administrative and program help when a need was identified across all three of the units I was working with. My primary project over the course of the Internship was a data collection, intake, and analysis project undertaken with the collaboration of multiple FBI units and other USIC partners. The project entailed taking a mass collection of data from a social networking application extremely popular with terrorist groups and terrorist inspired individuals. After the data was collected, it was sorted and recoded into a form that could then be imported into a program that allowed for analysis of the data. That data was then analyzed using multiple methods in or der to identify two main objectives: first to de-conflict any overly repetitive targeting or accidental blue on blue targeting, and second to identify potential high level targets as well as identify individuals that would make good targets for exploitation or intelligence. To this effect,