annual reports non profit organizations Positive economic profit is sometimes described as excess profit. Banks in USA vary working schedule than in India. In USA Monday through Friday is recognized as "Business day". This day of Monday is treated since the holiday which is assumed as weekends long events. Rest purchasing in India which includes holidays same works together with the USA. There are 10 US national 2010 bank holidays each year so the banks work according them. 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.