commonwealth bank profit She added that those who plan to pay out of five-year notes would be better off waiting for the New Year. Famous British economist hicks and others argue that the above theory did not consider the factor of income, and therefore unable to determine the level of interest rates, in 1937, and puts forward the is-lm model on the basis of general equilibrium theory. It establishes a theory of interest rates and income at the same time that the four factors of savings and investment, money supply and monetary demand interact. According to Jerome McCarthy, "basic marketing" : a market is a group of potential customers with the same needs; They are willing to trade the goods or services offered by the seller in exchange for something of value, which is the way to meet the demand. There is no ambiguity in the objective of the concrete plan. For example, business sales managers intend to increase sales by 15 percent over the next six months, and he will formulate specific procedures, budget plans, and schedule schedules, which is the concrete plan. Guideline plans only some general guidelines and action principle, favors the actors free disposition, it points out that the key but don't limit actors on the specific target or specific action plan. For example, a specific plan to increase sales may require a 15 per cent increase in sales over the next six months, while a guidance plan may limit sales by 12 to 16 per cent over the next six months. Compared with the guidance plan, the concrete plan is easier to carry out, assess and control, but lacks the flexibility, and its requirements for clarity and predictability are often difficult to satisfy. As we work hard to earn a fantastic living and pay our charges, additionally, there are crooks who generate a living by robbing from unsuspecting victims. Thus, we should instead always be on guard from such individuals by securing our personal data and making sure that they may not be extracted from us and employed for crooks' advantages The enterprise culture is the soul of the enterprise, which is the inexhaustible driving force for the development of the enterprise. It contains very rich content, and its core is the spirit and values of the enterprise. The values here are not the cultural phenomena in enterprise management, but the values held by employees in enterprises or enterprises in the production and operation of commodities.