Internet Television Vs Cable Television - 1275 Words

Internet TV â€Å"Television viewers increasingly watch their favorite shows on their smartphones, tablets, and computers† (pg. 313). There are many entertaining television services on the internet and, â€Å"services such as Netflix are supplying content to screens of all kinds by streaming it over the Internet† (pg. 314). For many years, many people have sought joy from watching their favorite television shows to sports programs on Cable Television. They have spent nearly most of their lives watching programs on Cable television. However, since the inception of Netflix and other programs such as Hulu, people have stopped watching Cable and made the switch to begin watching television shows over the internet online on Netflix. Netflix†¦show more content†¦Netflix is a low cost service that will provide people with the TV shows and movies that Cable TV. Many people agree with the fact that they can watch Netflix and take a break from their normal lives. People like that Netflix is more accessible because it is cheap and they are many favorited shows on the website, a thing that cable television does not have, and has not had for years. In conclusion, a reason why Internet Television is taking over Cable Television is because the fact that Cable Television prices are rising and more people are going to Netflix and other programs because of this. In addition, Internet Television is taking over Cable Television because Internet TV is more modern-day and built for the younger generations. By this, I mean that Netflix and Hulu are more built for teenagers, rather than being built for adults and older generations. Many more teenagers are exposed to Internet Television rather than more adults and older generations being exposed to Cable Television for most of their childhood life. Moreover, it is more accessible for younger generations to access programs such as Netflix because they are apart of the age of the Internet and most old people were never introduced to this method of watching television. Most of the older generations were brought up in the age of the antenna TV, and believe that basic tv is all that they need to thrive in life. They think that they do not need to haveShow MoreRelated DSL or Cable Essay1537 Words   |  7 PagesDSL or Cable Everyday there are millions of people connecting to the Internet. The Internet is made up of networks of computers linked together around the world where people can chat, shop, instant message, and e-mail each other. With so many people connecting one might wonder how all of these millions of people are connecting to the Internet. There are many different options for people to use to connect to the Internet, such as dial-up, DSL, Cable, and Satellite. Dial-up internet connectionRead MoreInternet Impact on TV Synergy767 Words   |  4 Pagesï » ¿Monroe Community College Internet Impact on TV Synergy: The Television That Goes Above and Beyond Brian Holcomb Mark Ricci Intro to Mass Media March 27th, 2014 Brian Holcomb Mark Ricci Intro to Mass Media March 27th, 2014 Several years ago, the introduction of social media, like Twitter and Facebook, ultimately took society by its horns, creating the initial interaction between the ever growing internet phase, and the everlasting television access networks. These socialRead MoreComcast And The Media Industry1235 Words   |  5 PagesComcast is a large cable and satellite television provider in the United States. The company has been plagued with internal weaknesses and external threats in recent years and is in desperate need of turning around its customer service department as quickly as possible. Aside from customer service, the way the television industry is marketed to is changing, Comcast has to stay on the cutting edge in price, product quality, flexibility of plans, and customer service. Comcast has many differentRead MoreRupert Murdoch and a Dramatic Change in the Television Industry1331 Words   |  6 PagesRupert Murdoch and a Dramatic Change in the Television Industry Critically assess this statement with particular reference to commercial television channels. Rupert Murdoch owns one of the largest media organisations in the world, called News International. This is an organisation which owns products in all mediums. Press baron, Murdoch started his ownership of print in Australia when he inherited his first newspaper from his father, the Adelaide News, he made whatRead MoreInternal Analysis And External Environment Assessment1865 Words   |  8 PagesCharacteristics: Comcast services are highly differentiated – the future of awesome, better ondemand services, X1 services, faster internet speeds and then you have some buyers who perceive little real difference from provider to provider. So it really depends on what is important to each customer. Experience Curve Comcast has been in business over fifty years, one thing they know is cable they are one of the best companies at it. Industry Profitability: This industry is profitable; however, it is very expensiveRead MoreMarketing Plan for Staying with Cable-Based Television Instead of Switching to Satellite TV2396 Words   |  10 PagesMarketing Plan (Staying with Cable-based Television instead of switching to Satellite TV) Executive Summary of the Marketing Plan This marketing plan is about the re-launch campaign of a cable-based television network Verizon FiOS TV. This cable network uses the latest technology in the form of fiber optics to provide cable network services to the general home customers. Verizon Communications has upgraded its FiOS cable network service in order to improve the signal and display quality. NowRead MoreEssay on Role of Media in Political Campaigns1933 Words   |  8 Pagesthree main media sources and their affects on voters: television, the internet and print. I feel that the media is the most significant factor in a political campaign. Despite the growth of the internet for campaign news, television remains the publics main source for such information. However, television is not as dominant as at once was: 60% say they get most of their news about the presidential election from television (local, cable and network outlets combined), down from 68% at comparableRead More Mass Media and Its Negative Influence on American Society Essay2119 Words   |  9 Pagesradio, television, and the internet. As the quote above mentions mass media, and its components, are very powerful and are capable of influencing one’s mind, as well as their behavior. The images and stories introduced to children and young adults make it difficult for these viewers to distinguish between fact and fiction (Cable News Network, 1998, 3), thus stimulating confusion and blind emulation. nbsp;nbsp;nbsp;nbsp;nbsp;In Torr’s Violence in Film and Television, film and television editorRead MoreOnline Tutorials Related On Network Administration Topics Essay1185 Words   |  5 Pagesimprovement, and our experience using the tutorial. The www.e-tutes.com networking basics tutorial teaches the history of networking, starting with the invention of the telegraph, and takes us through to the current communication environment of the internet. In addition, the tutorial teaches us the basics of what defines a network, the components required for a network, and the different types of topologies of networks. Furthermore, there are eight sections, which go into more detail on all of theseRead MoreInternal Analysis And External Environment Assessment1869 Words   |  8 Pagesfuture of awesome, better ondemand services, X1 services, faster internet speeds and then you have some buyers who perceive little real difference from provider to provider. So it really depends on what is important to each customer. Scale Economies: What impact does large volume have on – purchasing, mfg, transportation, and marketing? Experience Curve Comcast has been in business over fifty years, one thing they know is cable they are one of the best at it. Industry Profitability: This industry

Mexicos Geographic Potential

Geography can have a profound influence on a countrys economy. States that are landlocked are nautically disadvantaged in global trade compared to coastal states. Countries located in the mid-latitudes will have greater agricultural potential than those in the high latitudes, and lowland areas encourage industrial development more so than highland areas. It is widely believed that Western Europes financial success is a fundamental result of the continents superior geography. However, despite its influence, there remain cases in which a country with good geography could still experience economic distress. Mexico is an example of such a case. The Geography of Mexico The country is also rich in natural resources. Gold mines are scattered throughout its southern regions, and silver, copper, iron, lead, and zinc ores can be found virtually anywhere within its interior. There is an abundance of petroleum along Mexicos Atlantic coast, and gas and coal fields are dispersed throughout the region near the Texas border. In 2010, Mexico was the third largest oil exporter to the United States (7.5%), behind only Canada and Saudi Arabia. With approximately half of the country located south of the Tropic of Cancer, Mexico has the ability to grow tropical fruits and vegetables nearly year-round. Much of its soil is fertile and the consistent tropical rainfall help provide natural irrigation. The countrys rainforest is also home to some of the worlds most diverse species of fauna and flora. This biodiversity has great potential for biomedical research and supply. Mexicos geography also provides great tourism possibilities. The crystal blue waters of the Gulf illuminate its white sand beaches, while ancient Aztec and Mayan ruins present visitors with an enriching historical experience. The volcanic mountains and forested jungle terrain provide an avenue for hikers and adventure seekers. Enclosed resorts in Tijuana and Cancun are perfect places for couples, honeymooners, and families on vacation. Of course, Mexico City, with its beautiful Spanish and Mestizo architecture and cultural life, attracts visitors of all demographics. Mexico's Economic Struggles In the last three decades, Mexicos economic geography has progressed somewhat. Thanks to NAFTA, northern states such as Nuevo Leon, Chihuahua, and Baja California have seen great industrial development and income expansion. However, the country southern states of Chiapas, Oaxaca, and Guerrero continue to struggle. Mexicos infrastructure, already inadequate, serves the south far less well than the north. The south also lags in education, public utilities, and transportation. This contrast is leading to a great deal of social and political strife. In 1994, a radical group of Amerindian peasants formed a group called the Zapatista National Liberation Army (ZNLA), who consistently rages guerrilla warfare on the country. Another major obstacle to Mexicos economic advancement is the drug cartels. Over the past decade, drug cartels from Colombia established new bases in northern Mexico. These drug barons have been murdering law enforcement officers, civilians, and competitors by the thousands. They are well armed, organized, and they have begun to undermine the government. In 2010, the Zetas drug cartel siphoned more than $1 billion dollars worth of oil from Mexicos pipelines, and their influence continues to grow. The future of the country depends on the governments effort to close the gap between rich and poor in order to reduce regional inequalities. Mexico needs to invest in infrastructure development and education, all while pursuing strong trade policies with neighboring states. They need to find a way to abolish the drug cartels and create an environment that is secure for citizens and tourists. Most importantly, Mexico needs  to expand industrial avenues that can benefit from their good geography, such as the development of a dry canal across the narrowest part of the country to compete with the Panama Canal. With some proper reforms, Mexico has the great potential for economic prosperity. Sources: De Blij, Harm. The World Today: Concepts and Regions in Geography 5th Edition. Carlisle, Hoboken, New Jersey: John Wiley Sons Publishing, 2011

Bcg Matrix - 944 Words

International Marketing – 3rd Assignment Portfolio Analysis Region 4 (Italy) June 2011 1 Portfolio Analysis – The BCG Matrix The BCG Matrix is a market growth-market share matrix developed by the Boston Consulting Group, which is used to support strategic decisions in order to optimize a business portfolio with regard to new, old, innovative or established products and/or strategic business units (SBU). Its underlying theories are the experience curve as well as the product life cycle. Having classified its strategic business units, a company can develop its individual strategies for each of these SBUs. Future decisions include how to allocate investments on the SBUs, analysis about whether the respective products are still†¦show more content†¦Decisions for Period 4: - ongoing increased advertising spending because of high competition within our market - a market growth is forecasted, therefore we continue to invest moderately to keep our market leader position France: Question Mark We entered the French market by purchasing an established sales organization in period 2. Due to substantial invest ments in advertising ,we were able to keep the sales organization’s market share of around 9%. We have a good position in the utterly competitive market Decisions for Period 4: - with further investments in advertising and an expected market growth of 3,9% it is realistic to expect a gain on market share ïÆ'   we follow the Offensive Strategy as we consider it being a promising SBU Germany: Poor Dog We entered Germany by creating our own sales organization in Period 2. We are still in the start up phase of our operations. Our market share corresponds to the medium size of the sales organization and we face strong competition. Decisions for Period 4: - due to expected market growth of almost 9%, we expect our SBU to become a question mark in period 4 ïÆ'   we are not following Divestment Strategy - ongoing investments in advertising , corporate identity and training to increase market share and brand awareness Decision for BCG in Current Portfolio Advantages: - simple applic ation - objectivity - sizes quantifiable Disadvantages:Show MoreRelatedBcg Matrix ( Bcg ) Matrix1409 Words   |  6 Pages(BCG) Matrix. This type of matrix is used to recognize how a company is surviving in different markets. â€Å"The BCG Matrix graphically depicts differences among divisions in terms of relative market share position and industry growth rate† (Jones p. 177). (See Appendix D for and example BCG Matrix). Under Armour has two areas that are a major star for the company. Stars, represent the organizations best opportunities for growth. According to Williams (2015) Under Armour is continuing to seeRead MoreThe Bcg Matrix1694 Words   |  7 PagesBCG Matrix Opportunity - Threat Analysis Submitted to: Professor Clyde By : Parth Mithani Roll No. 60 F.Y.M.M.S. Alkesh Dinesh Modi Institute for Financial amp; Management Studies. 1) The BCG Matrix The BCG / Growth-Share matrix is a model developed by the Boston Consultancy Group in the early 1970’s. It is a well known tool for a marketing manager. It is based on the observation that a company’s business units can be classified into four main categories based on combinations of market growthRead MoreBcg Matrix Analysis2570 Words   |  11 PagesBCG Matrix Model BCG Matrix Model The BCG matrix or also called BCG model relates to marketing. The BCG model is a well-known portfolio management tool used in product life cycle theory. BCG matrix is often used to prioritize which products within company product mix get more funding and attention. The BCG matrix model is a portfolio planning model developed by Bruce Henderson of the Boston Consulting Group in the early 1970s. The BCG model is based on classification of products (and implicitlyRead MoreBcg Matrix1487 Words   |  6 PagesWhat is BCG matrix? The BCG matrix is a chart that had been created by Bruce Henderson for the Boston Consulting Group in 1968 to help corporations with analyzing their business units or product lines. This helps the company allocate resources and is used as an analytical tool in brand marketing, product management, strategic management, and portfolio analysis. Analysis of market performance by firms using its principles has called its usefulness into question, and it has been removed from some majorRead MoreMatrix And Analysis : Bcg Matrix1361 Words   |  6 PagesBCG Matrix Business Unit Matrix and Analysis This matrix chart seeks to help companies analyze their individual business units or product lines to determine how to allocate internal resources. This matrix is used most frequently in brand marketing, product management, and strategic management within an organization. The matrix divides each product or business unit into four different categories based on a combined analysis of market growth and market share (Rothaermel, 2015; Ioana, Mirea, BalescuRead MoreGoogles Bcg Matrix1027 Words   |  5 Pagesappliance, mobile search, cloud computing and internet advertising. This article is divided as two parts---first part is to analyze Google’s businesses by using BCG matrix. [1] Then, another part is useful recommendations on how Google can formulate corresponding strategies to capture and sustain competitive advantage in each business. BCG matrix is commonly used to analyze business portfolio by comparing relative ratio of one’s market share to the largest competitor’s in the industry. Google’s searchRead MoreBcg Matrix Critique1958 Words   |  8 PagesMarketing Critique: BCG Matrix Your Name Here Table of Contents Introduction 3 Concept Overview 3 Functional Critique 5 Intellectual Critique 6 Ethical Critique 7 Political Critique 8 Conclusion 8 Bibliography 9 Introduction This paper will attempt to provide a broad critique of the Boston Consulting Group Matrix in light of the ideas of Hackley (2009). In his book Marketing:A Critical Introduction, Hackley presents a framework for analysing marketing models. He suggestsRead MoreBCG matrix Essay4376 Words   |  18 Pagesï » ¿Relevance. Widely used in the practice of strategic choice has received a two-dimensional matrix , developed by the Boston Consulting Group. Therefore, this matrix is ​​a matrix known as Boston Consulting Group or BCG matrix . This matrix allows the company to classify the products in its market share relative to its main competitors and the rate of annual growth in the industry. Matrix enables us to determine which products company occupies a leading position compared to competitors , whatRead MoreEssay on BCG Matrix6769 Words   |  28 Pagesto the process of workers. They have proved it by doubling their output in two years and plan to expand a wider range o f fruits and vegetables. The Gascoyne Gold group teaches an important lesson about how doing business. 1.2 INTRODUCTION OF BCG MATRIX First and foremost, most of the business owners and the managers would consider the most important logical strategic direction in order to run their business which are growing. They believe that if the business does not grow over the time passRead MoreBcg Matrix Is A Model Developed Via The Boston Consultancy Group1691 Words   |  7 Pagesâ€Æ' BCG Matrix The BCG matrix is a model developed via the Boston Consultancy group within the early 1970’s. It is a good known device for an advertising manager. It s based on the commentary that a company’s business models can be categorized into four important categories centered on combos of market development and market share, for this hence the name growth-share matrix. Market progress represents the industry attractive attractiveness, and market share stands for competitive knowledge. This

Managerial Economics Macroeconomics

Question: Discuss about theManagerial Economicsfor Macroeconomics. Answer: Reasons of Surging Housing Price in the Australia Housing prices are influenced by various factors in an economy. According to ASAD concept of economics, whenever demand is higher than the supply then pricing of products and service gets increased (Australian Government, 2016). There are various reasons of increasing housing prices in the Australia, the detail of which is as below: Interest Rate Low interest rate focuses on the bottom repayment in advance that enables the debtor to borrow more through the specified refund to the segment of returns. Due to this reason demand and price of housing are increasing in the Australia. Along with this, the interest rate of Australia has decreased since 2010 due to recession in the Australia (Reserve Bank of Australia, 2010). After that time, the interest rate increased reasonably in 2011-12 and consequential interest rate by the end of 2015 has become 2.25%. It signifies that lower interest rate increases the housing prices in the Australia. Investment Demand People are investing a lot of money in the housing sector since 2012. Consequently, investor of the real estate drives the housing prices up in the Australia. In addition to this, there are various factor that have lead to increase in housing price in Australia such as tax benefit, increasing rental income, Extensive development, and social demographics in economy of Australia and capital market. These all factors increased the investment in housing sector. Financial Deregulation and Innovation The financial system of Australia has removed restrictions in industry in year 2010. Furthermore, the loan actions are managed directly by the reserve bank of Australia, which are related to the financial institution (Moran et al, 2014). There are various lending sources in the Australia such as overseas banks, credit insurers, investors, advance dealer, and industry finances, which infiltrated into the market in terms to offer the housing loan and finance. Because of availability of alternative new sources and new loan criteria in Australia, secondary housing finance market mobilized the house purchases. Consideration has been involved in lending criteria of the entire value and income of household to create the lending limits. It proved to be compatible to increase the housing demand and prices in the Australia. Government Assessment There are various expenditures, which affects the housing prices in the Australia such as Stamp obligation in selling and moving of property, builders imposed, income tax and GST on building. The government charged the taxes on the usage and growth of development property. Due to these reasons, housing prices started increasing in Australia. Economic Growth: There is a positive relationship between the requirement of housing and revenue of the families in the Australia. When housing demand increases then income also increases due to income elasticity of demand (Dollman et al, 2015). Along with this, it is also seen that increasing demand of housing sector ultimately leads to hike or surging housing prices in the Australia. Wealth Effect Total wealth of people in Australia is double as compared to the net assets housing. It is called as wealth effect, which leads to increase in utilization of money or investment (Nahm, 2016). Along with this, it can be said that housing prices are increasing because of increasing demand of housing in the Australia. Macroeconomic Policies that can be Undertaken by Australian Government to Ensure the Affordable Housing Prices Macroeconomic Policy of the Government: When the government experiences high inflation and unemployment, it interjects some policies and actions to regulate the market activities to ensure the affordable and rational prices. The macroeconomic policies of the Australian government affect the demand and supply of the house in the country. In Australia, people deeply wish to be owner of a house in a metropolitan city but due to the high price of the houses, they cannot afford house in developed cities. Australian government has developed a National Affordable Housing Agreement that ensures the affordability, safety, and sustainability of houses in country (Government of Western Australia, 2010). This agreement (NAHA) was introduced to resolve the issues of affordability of housing prices in Australia. This agreement was developed mostly by considering the welfare of lower and middle class people. The agreement has a worth of $6.2 billion that backs the middle and lower class people in purchasing a house for dwelling. The NAHA with support of the National Partnership Agreement provides help to homeless people, and people dwelling in remote areas in Australia (Australian Government, 2016). Australian government has gone for improving foreign investment framework to attract the more investors in real estate. This will increase the supply of houses in the country that will bring down the house price to the affordability of the middle and lower class people also. Besides this, the Intergovernmental Agreement (IGA) is propounded by Council of Australia Government to support the alteration in the broad areas throughout the Australia. IGA principles are applicable as economic interest as well as social policy and outcomes. Apart from this, the local government, state government and commonwealth government have the responsibility of regulating the pricing of the houses in the Australia to maintain the sound economic condition in the country. Local Government: The Local government plans, develops, and manages the regulatory system to control housing market fluctuation. Local government enjoys the power of funding, policy making, and designing of regulations to generate affordable houses for people in Australia. Local government plans and develops the national standards for the marketers, as they have to stay certified by the government. Australia has faced housing issues. Lots of people are still homeless in the Australia due to high housing price that debars them from purchase of a house. People are not able to purchase their personal house in the Australia due to the pricing bubble in the housing market. The local government takes actions against these issues for the betterment of the community in the Australia (Gurran et al, 2015). The government backs to public in purchasing houses by providing them the offers of partnership. The local government frames policies related to regulations for building and approvals, planning for urban deve lopment, development assessment processes, and infrastructure charges (Treasury Government of Australia, 2016). Along with this, the local government plans and implements different policies to restrict the housing price to ensure the affordable housing in the country. Moreover, the local government develops strategic alliances, builds up capacity of the community, and exercises its regulatory power to stabilize the housing price at affordability of the people. State Government: The government can work with both the state and local government for the strategies that are required for the growth of nation. All can ensure the plan that can be beneficial opportunities for the youth. A council of ministers can be established to represents the matters of the infrastructure and for solving the problems related to housing policies. It can monitor and report the planning schemes that are needed for the development of the infrastructure (Ahuri, 2016). It can maintain the targets for the home ownership that can be easily affordable by all the levels of the people. It can review all the targets that are maintained and needed to improve reliability of all the housing policies by the government. The expenditure on the development of infrastructure should be urban based as all the younger generation tends to settle in the urban regions. The various loan schemes should be maintained by the government to encourage more reliability of their plans and should be equally gained by all the people (Habitat, 2016). The skilled people should be employed in the housing sector, as they have better understanding of the need of the younger generation. The goods and services tax must be removed from the infrastructure sector, as putting more burdens on the youth increases the prices of the property in a significant way. The previous polices that were established in the nineties should be reconsidered by the government for the development of the urban areas, as they were very cost effective. Commonwealth Government: The commonwealth government frames various macroeconomic policies related to the taxation, financial sector, infrastructure development, and policy modification, fiscal and monetary policy, colonization, and national housing agreement. The commonwealth government offers the loan at the cheaper rate to raise capacity of people for affordable houses in a well-developed city. Commonwealth government is the highest legislative group in the country, which consists of the head of government, state leader, chief of a particular region, and president of the country. Commonwealth government focuses on reforms in the infrastructure of the telecommunication, aviation service, postal service, transportation service, roads, and public housing (Parliament of Australia, 2010). Commonwealth government provides free on partnership houses to the people having their likelihood below the poverty line decided by the government. The commonwealth government can decreases the taxes, levies and charges to bring down the housing price in the Australia. IGA on the federal financial relationship helps the government to increase the supply of the money to increase the housing affordability of the people. Commonwealth State Housing Agreement and Commonwealth Rent Housing are the two major schemes of the commonwealth government for providing the funding to public for housing affordability. References Ahuri (2016). International practice in planning for affordable housing. Retrieved from: https://www.ahuri.edu.au/__data/assets/pdf_file/0017/2834/AHURI_Positioning_Paper_No99_International_practice_in_planning_for_affordable_housing_lessons_for_Australia.pdf Australian Government (2016). Housing support. Available at: https://www.dss.gov.au/housing-support/programmes-services/national-affordable-housing-agreement (Accessed: 16/10/16). Australian Government (2016). National Affordable Housing Agreement. Retrieved from: https://www.dss.gov.au/housing-support/programmes-services/national-affordable-housing-agreement Dollman, R., Kaplan, G., La, G. and Stone, T. (2015). Household Economic Inequality in Australia (No. rdp2015-15). Reserve Bank of Australia. Gurran, N., Phibbs, P., Yates, J., Gilbert, C., Whitehead, C., Norris, M., ... Goodman, R. (2015). Housing markets, economic productivity, and risk: international evidence and policy implications for AustraliaVolume 1: Outcomes of an Investigative Panel.Australian Housing and Urban Research Institute (AHURI),1, 1-101. Habitat (2016). Housing Review. Retrieved from: https://www.habitat.org/sites/default/files/housing_review_2015_full_report_final_small_reduced.pdf Moran, M., Porter, D. and Curth, J. ( 2014). Funding Indigenous organisations: improving governance performance through innovations in public finance management in remote Australia. Australian Institute of Health and Welfare AIHW. Nahm, D. (2016). The effects of monetary policy on consumption, housing wealth and house prices: An Australian perspective. Journal of Economic Reasearch, 21(2), pp.175-204. Parliament of Australia, (2010). The Commonwealth Government's Role in Infrastructure Provision. Retrieved from: https://www.aph.gov.au/About_Parliament/Parliamentary_Departments/Parliamentary_Library/pubs/rp/rp0304/04rp08 Reserve Bank of Australia (2010). Structural change in the Australia economy. [Online]. Available at: www.rba.gov.au/publications/bulletin/2010/sep/1.html (Accessed: 16/10/16). The government of Western Australia (2010). Affordable Housing Strategy. Retrieved from: https://www.housing.wa.gov.au/HousingDocuments/AHS_Report_final.pdf Treasury Government of Australia (2016). Affordable Housing Working Group. Retrieved from: https://www.treasury.gov.au/~/media/Treasury/Consultations%20and%20Reviews/Consultations/2016/CFFR%20Affordable%20Housing%20Working%20Group/Key%20Documents/PDF/Issues_Paper.ashx