profit and loss theory Analysts are vehemently arguing that a sharp rise in the yield curve is a sign of a major shift in sentiment, or a temporary jolt from a position adjustment. Planning is not only the premise and criterion of organization, command and coordination, but also closely related to the management and control activities. The plan sets the data, scales and standards for various complex management activities, which not only provide direction for control, but also provide a basis for controlling activities. Experience tells us that unplanned activities are uncontrollable and uncontrollable. Because the control itself is to correct the deviation of the deviation plan, to keep the management activities consistent with the objectives. Pull messages are the types which might be initiated from the customer, by using a cell phone, for obtaining information or conducting a transaction in the bank account. Examples of pull messages for information feature an account balance enquiry, or requests for current information like foreign currency exchange rates and deposit interest levels, as published and updated through the bank. We have been using internet banking for quiet sometimes now. Even though there have been internet banking security breach occasions, but the percentage is quite small. People has learned to be very careful and protecting themselves when you use internet banking. Internet banking users are smart people and they also discover how to protect their computer from malware and hacker which includes the possible to destroy into their internet bank-account.