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Allianz (A1): An Insurer Acquiring a Bank?
by Joseph L. Bower Anders Sjoman Sonja Ellingson Hout Marc L. BertonecheThe deal of the year in 2002, was the acquisition of Dresdner Bank by Allianz. Written from the perspectives of Allianz's CEO, Henning Schulte-Noelle, before and after the deal and a regional manager implementing the concept of a full-line financial service provider. Presents the original question facing Schulte-Noelle: "Should Allianz acquire Dresdner?"
Allianz Customer Centricity: Is Simplicity the Way Forward?
by Emilie Billaud Eva AscarzaThis case explores the tradeoffs between product personalization and simplicity as companies grow. The case presents an opportunity to understand whether and how each of these approaches enables and/or limits companies' abilities to provide customer satisfaction while being efficient in their operations. In October 2018, Allianz was one of the world's leading insurers and asset managers with 103 million retail and corporate customers in 70 countries. It was one of only two insurers to rank amongst the world's 50 strongest brands in 2017, a sign that the company's customer-centricity approach drove value and resonated with clients. Allianz's ambition was to reach the top 25 brands in Interbrand's ranking by 2025. For the insurer, the key to success was to focus on simplicity-reducing the complexity of products and processes in order to create a more unified customer experience. However, such a move did not align with current trends in insurance markets, where Allianz's main competitors had opted for hyper-personalization. Furthermore, a strategy focused on simplicity implied a radical move in certain key markets where Allianz had traditionally offered a large diversity of products. Was simplicity the right strategy? Would Allianz be able to embrace customer needs successfully within and across markets while simultaneously growing its business?
Allianz Turkey: Focus on the Customer (A)
by W. Earl Sasser Jr. Gamze YucaogluAt the age of 39, Solmaz Alt n took over the helm at Allianz Turkey. Solmaz quickly realized that, although the insurance market was thinly penetrated in Turkey, the company was operating in a very competitive environment with pressure on prices and, hence, cost control. Consequently, customer satisfaction was suffering. Despite the growing Turkish economy and a favorable regulatory environment, Solmaz was struggling to grow the company without further sacrificing customer satisfaction or profitability. Used as part of a course on service excellence, the case provides an insurance context in which to explore the link between customer satisfaction and competitive performance and challenges the students to ponder the extent of the relationship between customer satisfaction and financial performance. In the (A) case, the Allianz Turkey executives focus their initial efforts on the claims process of the automobile insurance business-a lowly rated segment of the insurance industry by their policyholders. They begin by creating a map of the customer experience and then doing extensive consumer research to determine what really matters to the policyholder. The insights gleaned from the detailed consumer analysis are quite different than the original beliefs of the management team. Students must devise a new customer service model for the claims process based upon the customer analysis. The (B) case describes the new customer service model for the claims process and the resulting increase in customer satisfaction as measured by the Net Promoter Score (NPS) metric. Students must first decide whether the initial effort is a success and then develop a plan for the future.
Allianz Turkey: Focus on the Customer (A)
by W. Earl Sasser Jr. Gamze YucaogluAt the age of 39, Solmaz Alt n took over the helm at Allianz Turkey. Solmaz quickly realized that, although the insurance market was thinly penetrated in Turkey, the company was operating in a very competitive environment with pressure on prices and, hence, cost control. Consequently, customer satisfaction was suffering. Despite the growing Turkish economy and a favorable regulatory environment, Solmaz was struggling to grow the company without further sacrificing customer satisfaction or profitability. Used as part of a course on service excellence, the case provides an insurance context in which to explore the link between customer satisfaction and competitive performance and challenges the students to ponder the extent of the relationship between customer satisfaction and financial performance. In the (A) case, the Allianz Turkey executives focus their initial efforts on the claims process of the automobile insurance business-a lowly rated segment of the insurance industry by their policyholders. They begin by creating a map of the customer experience and then doing extensive consumer research to determine what really matters to the policyholder. The insights gleaned from the detailed consumer analysis are quite different than the original beliefs of the management team. Students must devise a new customer service model for the claims process based upon the customer analysis. The (B) case describes the new customer service model for the claims process and the resulting increase in customer satisfaction as measured by the Net Promoter Score (NPS) metric. Students must first decide whether the initial effort is a success and then develop a plan for the future.
Allianz Turkey: Focus on the Customer (B)
by W. Earl Sasser Jr. Gamze YucaogluAt the age of 39, Solmaz Alt n took over the helm at Allianz Turkey. Solmaz quickly realized that, although the insurance market was thinly penetrated in Turkey, the company was operating in a very competitive environment with pressure on prices and, hence, cost control. Consequently, customer satisfaction was suffering. Despite the growing Turkish economy and a favorable regulatory environment, Solmaz was struggling to grow the company without further sacrificing customer satisfaction or profitability. Used as part of a course on service excellence, the case provides an insurance context in which to explore the link between customer satisfaction and competitive performance and challenges the students to ponder the extent of the relationship between customer satisfaction and financial performance. In the (A) case, the Allianz Turkey executives focus their initial efforts on the claims process of the automobile insurance business-a lowly rated segment of the insurance industry by their policyholders. They begin by creating a map of the customer experience and then doing extensive consumer research to determine what really matters to the policyholder. The insights gleaned from the detailed consumer analysis are quite different than the original beliefs of the management team. Students must devise a new customer service model for the claims process based upon the customer analysis. The (B) case describes the new customer service model for the claims process and the resulting increase in customer satisfaction as measured by the Net Promoter Score (NPS) metric. Students must first decide whether the initial effort is a success and then develop a plan for the future.
Allie Aller's Crazy Quilting: Modern Piecing & Embellishing Techniques for Joyful Stitching
by Allie AllerWelcome to the "new" crazy! • Jump into crazy quilting with seven enticing projects that include small quilts, a needle cushion, and a softie • Learn four different crazy piecing methods • Try creative techniques on fabric, such as stenciling, photo-transfer, and Angelina fiber effects • Discover how to add beauty and dimension to your work with embellishments like 3-D ribbon flowers, embroidery, beads, and painted lace • Follow along with a step-by-step photo guide that takes you from cutting to piecing to binding Allie shows you how to make crazy quilting more contemporary with an array of easy-to-master techniques. You'll learn how to combine traditional methods with modern fabric tricks. The photo gallery reveals just how fun crazy quilting can be -and anyone can do it.
Allie Aller's Stained Glass Quilts Reimagined: Fresh Techniques & Design
by Allie AllerThe author of Crazy Quilting shares new techniques for capturing the style of stained glass in cozy quilts, bedcovers, wallhangings, and more.Quilt designer Allie Aller spent years developing her own techniques for mimicking the look of stained glass. Surprisingly simple and endlessly inspiring, her methods produce stunningly beautiful results. In Allie Aller’s Stained Glass Quilts, she shares her secrets—from design sources and strategies to step-by-step instruction in various “glass and leading” techniques. Allie also includes six stained glass style quilt projects to get you started.
Allie and the Everything Sandwich (Fountas & Pinnell LLI Red #Level L)
by Joy Noyes"Staying home alone is no big deal for Alexandra Swift. But keeping Mack out of trouble, too? Now, that's a challenge!
Allie's Basketball Dream
by Barbara E. BarberDetermined in her effort to play basketball, a young Afro-American girl gives it one more shot with the help of a special friend.
Allie's Bayou Rescue (Faithgirlz / Princess In Camo Ser.)
by Missy Robertson Jill Osborne Mia RobertsonLife hasn’t been easy lately for twelve-year-old Allie Carroway. Not only does she have to be careful about what she eats and keep her asthma treatment with her at all times, but rumor has it that if she has one more serious asthma attack, her family may move to Arizona—far away from the Louisiana Bayou and the extended family that she loves and stars with in the reality TV show, Carried Away with the Carroways. And now would be a terrible time to go. Uncle Wayne and Aunt Kassie are about to adopt twelve-year-old Hunter—the first boy to join the Carroway family in a long time. Allie and her cousins—Kendall, Ruby, and Lola—have never allowed a boy to set foot in their treehouse meeting place, the “Diva Duck Blind.” And if Allie’s cousins have any say, they’ll keep it that way. But Allie can’t ignore that still, small voice inside her, telling her things must change if Hunter is to be honored and accepted into the family.The cousins devise an initiation for Hunter at Mamaw and Papaw’s house with four challenges—Louisiana bayou style—including frogs, hunting, and a scary shed rumored to be the place where a mysterious long lost uncle disappeared. A blackout on the bayou the night of the initiation heightens the stakes when Hunter goes missing, and Allie and the girls must face unfamiliar obstacles to bring the family back together.This series explores the nature of a family filled with social, cultural, and physical diversity. In a world splashed with class and camouflage, the cousins are constantly looking for ways to love unconditionally through all the hiccups, with the love and faith of family.
Allie's Big Break (The Party Line #5)
by Carrie AustenWill Allie forget her friends once she's a star? The local TV station is sponsoring a big talent contest and Allie's decided to enter! Suddenly life seems really complicated. Allie's so busy practicing for her big debut--and being distracted by a cute boy in school--that she begins to neglect the Party Line. Her friends are convinced she doesn't have time for their business anymore. Is it all over for Allie and the Party Line? Get on The Party Line Meet Allie, Rosie, Becky and Julie in this fun-filled series about friendship, growing up, and having a good time!
Allie's Legacy (Thoroughbred #70)
by Joanna CampbellWhen Allie came to Whisperwood and was adopted by Cindy no once expected her long-lost relatives to come and find her. But when they do, Allie must make a choice between the opportunities she has at Tall Oaks with the horses she loves, and living with the only family she has left. Ages 10+
Allie's Moon
by Alexis HarringtonThey were two strangers alone in the world, until they found the one precious thing that could heal their wounds: each others love... Althea Ford lives alone with her invalid sister in a crumbling Oregon farmhouse, burdened by sins of the past. Desperate for help, she reluctantly turns to Jefferson Hicks, an ex-lawman who has fallen from grace-a man who unexpectedly awakens her to desire...and to dreams she believes she can never have. Jeff Hicks has fallen as low as a man can. But here at Allie's farm, his silent, numb heart suddenly begins to beat again. Drawn to this woman who is as much a prisoner of the past as he, Jeff discovers the healing power of love. But to claim it, they must confront spiteful enemies determined to keep them apart forever.
Allie's Pizza and Pool Party (The Party Line #9)
by Carrie AustenMURPHY'S LAW: If anything can go wrong, it will! Allie, Becky, Rosie and Julie are gearing up for a super weekend of parties. They've been hired to give a party for Dylan Matthews' little sister, and Allie's so excited. She has a terrific crush on Dylan, and this is her chance to make a big impression. It's also Becky's birthday, and her best friends are giving her the most fabulous surprise party ever. In the middle of a freezing-cold Vermont winter, the party theme is a tropical one, complete with a heated swimming pool. But the perfect weekend starts to fall apart when Dylan's mom fires The Party Line! No one can figure out why, Allie's really upset. Will this bad news ruin Becky's party, too? Get on The Party Line Meet Allie, Becky, Julie and Rosie in this fun-filled series about friendship, growing up, and having a good time!
Allie's Wild Surprise (The Party Line #1)
by Carrie AustenCan the Party Line make Allie's dream come true? The Vermilion concert is two weeks away and Allie's just got to go. But the tickets are so expensive! When the party for Allie's little brother falls through, Allie and her best friends Becky, Rosie and Julie turn a disaster into a miracle. Before you can say "make a wish" the girls are in the party business. It's the best: they're having fun and getting paid for it! Allie's already counting her ticket money. But Allie makes mistakes that may ruin the business before the girls have even done their first job. Her hopes of seeing Vermilion are fading fast ... Meet Allie, Becky, Rosie and Julie in this fun-filled series about friendship, growing up, and having a good time!
Allie, First at Last: A Wish Novel
by Angela CervantesThis charming, heartfelt second novel by GABY, LOST AND FOUND author Angela Cervantes asks an all-important question: is winning top prize worth losing a friend?Allie Velasco wants to be a trailblazer.A trendsetter.A winner.No better feeling exists in the world than stepping to the top of a winner’s podium and hoisting a trophy high in the air. At least, that’s what Allie thinks . . . she’s never actually won anything before. Everyone in her family is special in some way -- her younger sister is a rising TV star; her brother is a soccer prodigy; her great-grandfather is a Congressional Medal of Honor winner.With a family like this, Allie knows she has to make her mark or risk being left behind. She’s determined to add a shiny medal, blue ribbon, or beautiful trophy to her family’s award shelf. When a prestigious school contest is announced, Allie has the perfect opportunity to take first -- at last. There’s just one small snag . . . her biggest competition is also her ex-best friend, Sara. Can Allie take top prize and win back a friend -- or is she destined to lose it all?
Allied Air Attacks and Civilian Harm in Italy, 1940–1945: Bombing among Friends (Routledge Studies in Second World War History)
by Matthew EvangelistaTens of thousands of Italian civilians perished in the Allied bombing raids of World War II. More of them died after the Armistice of September 1943 than before, when the air attacks were intended to induce Italy’s surrender. Allied Air Attacks and Civilian Harm in Italy, 1940–1945 addresses this seeming paradox, by examining the views of Allied political and military leaders, Allied air crews, and Italians on the ground. It tells the stories of a little-known diplomat (Myron Charles Taylor), military strategist (Solly Zuckerman), resistance fighter (Aldo Quaranta), and peace activist (Vera Brittain) – architects and opponents of the bombing strategies. It describes the fate of ordinary civilians, drawing on a wealth of local and digital archival sources, memoir accounts, novels, and films, including Joseph Heller’s Catch-22 and John Huston’s The Battle of San Pietro. The book will be of interest to readers concerned about the ethical, legal, and human dimensions of bombing and its effects on civilians, to students of military strategy and Italian history, and to World War II buffs. They will benefit from a people-focused history that draws on a range of eclectic and rarely used sources in English and Italian.
Allied Air Attacks and Civilian Harm in Italy, 1940–1945: Bombing among Friends (Routledge Studies in Second World War History)
by Matthew EvangelistaTens of thousands of Italian civilians perished in the Allied bombing raids of World War II. More of them died after the Armistice of September 1943 than before, when the air attacks were intended to induce Italy’s surrender.Allied Air Attacks and Civilian Harm in Italy, 1940–1945 addresses this seeming paradox, by examining the views of Allied political and military leaders, Allied air crews, and Italians on the ground. It tells the stories of a little-known diplomat (Myron Charles Taylor), military strategist (Solly Zuckerman), resistance fighter (Aldo Quaranta), and peace activist (Vera Brittain) – architects and opponents of the bombing strategies. It describes the fate of ordinary civilians, drawing on a wealth of local and digital archival sources, memoir accounts, novels, and films, including Joseph Heller’s Catch-22 and John Huston’s The Battle of San Pietro.The book will be of interest to readers concerned about the ethical, legal, and human dimensions of bombing and its effects on civilians, to students of military strategy and Italian history, and to World War II buffs. They will benefit from a people-focused history that draws on a range of eclectic and rarely used sources in English and Italian.The Open Access version of this book, available at www.taylorfrancis.com, has been made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 license
Allied Air Operations 1939–1940: The War Over France and the Low Countries
by Jerry MurlandWhile much has been written about the Battle of Britain, the air war over France and the Low Countries from September 1939 to June 1940 has been largely neglected – until now. As expert aviation author Jerry Murland reveals in this fascinating book, there may have been little ground action until May 1940 but the war in the air was far from ‘phoney’. In contrast to their adversaries, the Allied air forces on the mainland of Europe were poorly equipped, regardless of increased development from 1934 onwards. But in spite of this, when the German invasion began, the Low Countries of Holland and Belgium fought back tenaciously. While development of the Spitfire, Blenheim and Wellington was continuing at a pace, the RAF with only four squadrons of Hurricanes among a force of outdated bi-planes, was a little more prepared than the French, but still woefully outgunned by the Luftwaffe. While the Allied air forces of Britain, France and the Low Countries may have been inferior, the gallantry and tenacity of their pilots makes for inspiring reading. This is a work that will enthral and inform all those interested in the history of the Second World War, particularly aviation enthusiasts.
Allied Armies in Sicily and Italy 1943–1945: Photographs From Wartime Archives (Images of War)
by Simon FortyA pictorial history of Allied forces making their way through Italy in the final years of World War II, featuring rare photos from wartime archives.The Italian campaign was one of the most debated of World War II, splitting the American and British allies, and causing great disharmony. After the fall of Rome and the surrender of Italy, the invasion of Normandy led to the Italian campaign becoming a sideshow as the “D-Day Dodgers” fought their way through Italy to the Alps against a grinding defense and extreme weather.In a sequence of 200 wartime photographs Simon Forty sums up the major events of the conflict—from the landings on Sicily to the crossing of the Po. Commanded first by Sir Harold Alexander and then Mark Clark, the Allied armies (U.S. Fifth and British Eighth) drew men not only from Britain, the United States, France, and Poland, but also from all over the Commonwealth—from Australia, Canada, India, New Zealand and South Africa—as well as such other countries as Brazil, Czechoslovakia, Greece, and Palestine. The devastation caused by the war in the cities, towns, and countryside is part of the story, but perhaps the most powerful impression is made by the faces of the soldiers themselves as they look out from the Italian front of so long ago.“Another addition to the very popular Images of War series, with a mass of outstanding and rare images. The author covers campaigns in Sicily and Italy as the Allies slogged their way north, using amphibious and airborne assault to bypass the German lines—Very Highly Recommended.” —Firetrench
Allied Armor in Normandy: Allied And German Forces 1944 (Casemate Illustrated #Cis0004)
by Yves BuffetautTanks were the beasts of the Second World War, machines designed to destroy anything and anyone in their path. Throughout the summer of 1944, the Allied forces readily employed tanks and armored vehicles to gain ground in the bloody campaign of Normandy. Heavily armed, they provided a kind of support which no number of infantrymen could offer, battling their way through enemy lines with their guns blazing. From the US 2nd Armored Division named ‘Hell on Wheels’ to the British ‘Achilles’ tank, the encounters they had in battle were explosive.This volume of the Casemate Illustrated series explores the Normandy invasion from the perspective of the Allied Armored divisions, looking at how armored vehicles played a central role in the many battles that took place. It includes over 40 profiles of tanks and armored vehicles, from the American Sherman and Stuart tanks to the bulldozers and amphibious vehicles designed for the beach.With detailed diagrams and many photos illustrating the composition of the Allied armored divisions and tank regiments present at Normandy, this volume explains the crucial part played by tanks in gaining a foothold in Normandy after the D-Day landings, as well as the significance of many other types of armored vehicles.
Allied Armour, 1939–1945: British and American Tanks at War
by Anthony Tucker-Jones“An important review of armoured warfare, armoured vehicle design, tactics, and operational issues during World War 2 . . . it comes highly commended.” —Dr Stuart C. Blank, Military Archive ResearchDuring the first years of the Second World War, Allied forces endured a series of terrible defeats at the hands of the Germans, Italians and Japanese. Their tanks were outclassed, their armored tactics were flawed. But the advent of new tank designs and variants, especially those from the United States, turned the tables. Although German armor was arguably still superior at the end of the war, the competence of Allied designs and the sheer scale of their production gave them a decisive advantage on the armored battlefield. This is the fascinating story that Anthony Tucker-Jones tells in this book which is part of a three-volume history of armored warfare during the Second World War.Chapters cover each major phase of the conflict, from the early blitzkrieg years when Hitler’s Panzers overran Poland, France and great swathes of the Soviet Union to the Allied fight back in tank battles in North Africa, Italy and northern Europe. He also covers less-well-known aspects of the armored struggle in sections on Allied tanks in Burma, India and during the Pacific campaign. Technical and design armored are a key element in the story, but so are changes in tactics and the role of the tanks in the integrated all-arms forces that overwhelmed the Axis.“The matter of armoured vehicles and their role in the turning of the tide against Germany is covered brilliantly in Anthony Tucker-Jones’s excellent treatise.” —Books Monthly“Very Highly Recommended.” —Firetrench
Allied Armoured Fighting Vehicles of the Second World War (Images of War)
by Michael GreenExpert author Michael Green has compiled a full inventory of the armored fighting vehicles developed and deployed by the Allied armies during the six year war against Nazi Germany and her Axis partners.Tank destroyers included the US Army's M18 Hellcat and M36 Jackson, the British Archer and Achilles and the Soviets SU-85, SU-100 and SU-122.Self-propelled artillery vehicles provide indirect fire support. Examples of these were the British Bishop and Sexton, the US M7 Army Priest and The Red Armys SU-152 Beast Slayer.For reconnaissance the Allies fielded armored cars and scout cars such as the Daimler Dingo, the US M8 Greyhound and T17 Staghound, and the Russian BA-10, –20 and -64.AFVs such as the British full tracked Universal Carrier and US M3 halftracks were fitted with a range of weapon systems, such as mortars or machine guns.All these and many more AFVs are expertly described in words and captioned images in this comprehensive work which is the companion volume to the authors Allied Tanks of the Second World War.
Allied Bombing Raids: Rare Photographs From Wartime Archives (Images of War)
by Philip KaplanThe pilots and combined bombing forces of the Second World War are revered for a host of reasons. Their bravery when cast against the odds, their resilience and determination under fire, and the startling extent of their combined achievements towards the collective end of Allied victory have all been noted and celebrated in a variety of ways since the end of the conflict. Kaplan adds to this celebratory tradition by drawing together an intriguing collection of wartime archive photography in an attempt to illustrate the early stages of the conflict. Before America joined the war against Nazi Germany, the RAF aircrews (many of which were volunteers) were tasked with responding to a unique set of demands in an attempt to hit back at the destructive heart of the enemy. The welding influence of a war which saw teams of young pilots teamed aboard a range of imposing bomber aircraft (including the mighty Boeing B-17), fused a collective resolve and determination that would develop yet further throughout the course of the conflict. The images on display here offer a wealth of insight into this dramatic time.
Allied Coastal Forces of World War II: Fairmile Designs & US Submarine Chasers
by John Lambert Al RossThe major contribution made by Coastal Forces to the Allied war effort has had surprisingly little coverage in the literature of the Second World War. Motor torpedo boats, PT boats, motor gunboats, launches and submarine chasers served with distinction throughout the War, and in every theatre. They performed invaluable service as patrol boats, convoy escorts, minelayers and minesweepers, harbour defence vessels, light landing craft, RAF rescue boats and transports for agents and clandestine missions.Allied Coastal Forces, now a recognised classic work and first published in 1990, remains the only publication to deal comprehensively in words, photographs and drawings with the technical detail of all these boats. Design, construction and subsequent development are all covered, and the builders, construction lists, fates and the technical data are given for each type. Separate sections cover armament and equipment, sea-going qualities and habitability.This first volume covers all the designs of the Fairmile Marine Company (including those craft built and equipped for Canada), together with the 72ft Harbour Defence Motor Launch and the US Navy 110ft subchaser.The authors, firmly established as the recognised authorities on small warships, unearthed a remarkable body of information now included in this major work, and their finely detailed drawings, redrawn form original builders plans, offer an unparalleled view of all these remarkable designs. The new editions of their work will be welcomed by naval enthusiasts and modellers alike.