observe. question. design

14
2EVHUYH 4XHVWLRQ 'HVLJQ %\ &DURO .R]DN

Upload: ckozak

Post on 05-Aug-2015

83 views

Category:

Documents


2 download

TRANSCRIPT

2EVHUYH�4XHVWLRQ�'HVLJQ�

%\��&DURO�.R]DN�

:HOFRPH�WR�&96�RQ��VW�$YHQXH2EVHUYDWLRQV�

��VHOI�FKHFNRXW�PDFKLQHV�����RFFXSLHG����FORVHG����IRU�PH

7KHUH�ZDV�QR�OLQH�DQG�QR�GHVLJQDWHG�DUHD�IRU�D�OLQH�

2QH�HPSOR\HH�ZDV�LQ�WKH�DUHD�EXW�KH�GLGQW�KDYH�D�GHVLJQDWHG�VWDWLRQ

7KH�HQWLUH�SURFHVV�ZDV�YHU\�IDVW�IRU�PH���,�QRWLFHG�DQRWKHU�ZRPDQ�KDG�D�SUREOHP�DW�KHU�VWDWLRQ�DQG�KDG�WR�ZDLW�D�PRPHQW�WR�JHW�WKH�DWWHQWLRQ�RI�WKH�HPSOR\HH�EXW�RQFH�KH�FDPH�RYHU�WKH�SUREOHP�ZDV�TXLFNO\�IL[HG�

:KHQ�,�REVHUYHG�WKH�VWDWLRQ�XSRQ�DSSURDFK��ZKLFK�,�QHYHU�UHDOO\�GR��,�UHDOL]HG�WKDW�LW�ZDV�SUHWW\�PHVV\�DQG�WKH�RQO\�YLVXDO�DVSHFW�RI�LW�WKDW�,�OLNHG�ZDV�WKH�ODUJH�VFDQQHU�ZLQGRZ�ZKHUH�\RX�UXQ�WKH�EDU�FRGH�WR�SXUFKDVH�WKH�LWHP���,W�ZDV�FOHDQ�DQG�FOHDU�DQG�VKLQ\�DQG�VXUURXQGHG�E\�VWDLQOHVV�VWHHO��

$FWLRQ�

,�SXUFKDVHG���LWHPV���,�GLG�QRW�H[SHULHQFH�PDQ\�HPRWLRQV�EHFDXVH�,�VSHQW�D�ORW�RI�WLPH�LQ�6XEXUELD�DQG�VHOI�FKHFNRXW�OLQHV�VR�,�WHQG�WR�JR�LQWR�D�URERW�PRGH�DQG�DXWRPDWLFDOO\�JR�WKURXJK�WKH�SURFHVV���,�JRW�D�OLWWOH�IUXVWUDWHG�ZKHQ�,�GXJ�DURXQG�LQ�P\�SXUVH�IRU�P\�&96�FDUG�DQG�FRXOGQW�UHWULHYH�LW�TXLFNO\��EXW�WKDW�ZDV�WKH�H[WHQW�RI�LW���,�UHPHPEHU�WKH�YRLFH�DW�WKH�VHOI�FKHFNRXW�PDFKLQHV�XVHG�WR�DQQR\�PH�EHFDXVH�WKH\�VDLG�XQQHFHVVDU\�WKLQJV�DQG�RIWHQ�UHSHDWHG�WKHPVHOYHV�DQG�WKH�PRVW�DQQR\LQJ�WKLQJ�DERXW�WKH�YRLFHV�LQ�WKH�SDVW�ZDV�WKH�ORXG�YROXPH���7KLV�WLPH�WKH�YRLFH�ZDV�ZHOO�FRQWUROOHG�DQG�WKH�YROXPH�ZDV�QRUPDO�

3URFHVV�

6HOHFW�(QJOLVK�RU�6SDQLVK�

9RLFH�DQQRXQFHV�D�WKDQN�\RX�PHVVDJH�DQG�LQVWUXFWLRQV�WR�VFDQ�\RXU�ILUVW�LWHP����,�ZDV�WDNLQJ�D�IHZ�QRWHV�DQG�WKH�YRLFH�GRHV�QRW�OLNH�GHOD\V�VR�LW�UHSHDWHG�LWVHOI��

6FDQQHG�P\�ILUVW�LWHP���YHU\�HDV\�DV�WKHUH�ZDV�D�ODUJH�VFDQQHU�DQG�HDV\�DFFHVV�EDUFRGH��DW�VRPH�PDFKLQHV�LQ�WKH�SDVW�,�KDYH�KDG�D�GLIILFXOW�WLPH�JHWWLQJ�WKH�FRGH�WR�VFDQ��

0DFKLQH�EHHSV�ZKHQ�VFDQQHG�DQG�DQQRXQFHV�WKH�DPRXQW�DQG�VDYLQJV�DPRXQW�

5HSHDWV���WLPHV�IRU�P\�QH[W���LWHPV�

7KH�YRLFH�LQVWUXFWV�PH�WR�FKRRVH�)LQLVK�DQG�SD\�LI�,�DP�GRQH�VFDQQLQJ�

,�VHOHFW�)LQLVK�DQG�SD\�

,W�DQQRXQFHV�P\�DPRXQW�DQG�LQVWUXFWV�PH�WR�FKRRVH�P\�PHWKRG�RI�SD\PHQW�

,�FKRRVH�GHELW�

$QRWKHU�SDQHO�UHDGV��VZLSH�FDUG�QRZ��

,�VZLSH�

7KLV�SDQHO�UHDGV��SLQ��

,�HQWHU�P\�SLQ�

7KLV�SDQHO�UHDGV��3URFHVVLQJ«��7KLV�SDQHO�UHDGV��&DVK�%DFN��ZLWK�D��\HV��EXWWRQ�DQG�D��QR��EXWWRQ�

:HOFRPH�WR�&96�RQ��VW�$YHQXH

3URFHVV��FRQWG���

,�FKRRVH��QR�

7KH�YRLFH�DQQRXQFHV��7KDQN�\RX��DQG�UHPLQGV�PH�WR�WDNH�P\�UHFHLSW

,�SODFH�P\�LWHPV��QRZ�LQ�D�QHZ�DUHD�RQ�D�GLIIHUHQW�SODWIRUP��LQWR�P\�EDJ�

,�SODFH�P\�UHFHLSW�LQ�P\�EDJ�

,QWHUIDFHV�

,�UDQ�P\�LWHPV�RYHU�WKH�VFDQQHU����

,�WRXFKHG�D�VFUHHQ�WKDW�GLVSOD\HG�P\�LWHPV�DV�WKH\�UDQJ�XS�����

,�ZDV�LQVWUXFWHG�E\�D�YRLFH����

,�XVHG�WKH�GHELW�FDUG�VFDQQLQJ�PDFKLQH�ZLWK�DFWXDO�EXWWRQV����

,�GRQW�WKLQN�WKDW�WKHUH�ZHUH�DQ\�QDWXUDO�LQWHUIDFHV�DV�'RQDOG�1RUPDQ�GHILQHV�WKHP�EXW�VZLSLQJ�P\�GHELW�FDUG�IHOW�YHU\�FORVH�WR�D�QDWXUDO�LQWHUIDFH�

:HOFRPH�WR�&96�RQ��VW�$YHQXH

'HVLJQ�,QWHUYHQWLRQ�

���$VNLQJ�IRU�DOO�WKH�LWHPV�IURP�\RXU�SXUVH�ZDOOHW�DW�RQH�WLPH��SD\PHQW�DQG�VWRUH�FDUG��H[��&96�FDUH�FDUG�

���,�GLG�WKLV�H[SHULPHQW�DW�D�&96�DQG�SHRSOH�WHQG�WR�YLVLW�WKH�VWRUH�DV�D�FRQYHQLHQW�VWRUH�PRUH�WKDQ�DQ�H[WHQVLYH�VKRSSLQJ�WULS���7KH�DUHD�VHW�DVLGH�IRU�WKH�PDFKLQH�DQG�WKH�VFUHHQ�WKDW�WHOOV�\RX�WKH�LWHPV�SXUFKDVHG�DQG�DOORZV�\RX�WR�FKRRVH�\RXU�SD\PHQW�PHWKRG�ZHUH�ERWK�YHU\�ODUJH��(VSHFLDOO\�FRQVLGHULQJ�WKDW�WKH�PDMRULW\�RI�SHRSOH�DUHQW�EX\LQJ�PXFK��LW�IHHOV�H[WUHPHO\�ODUJH�DQG�ZDVWHIXO����$OVR��NHHSLQJ�LQ�PLQG�WKH�HOHFWURQLF�ZDVWHODQG�DUWLFOH�ZH�UHDG�LW�ZRXOG�EH�EHWWHU�IRU�WKH�HQYLURQPHQW�LI�WKHVH�LWHPV�ZHUH�VPDOOHU���

���,W�ZRXOG�EH�EHVW�WR�KDYH�DOO�SD\PHQW�TXHVWLRQV��LQSXW�DQG�RXWSXW�RQ�RQH�GHYLFH���$V�LW�LV��LW�LV�VSOLW�EHWZHHQ�WZR���7KH�VFUHHQ�WKDW�OLVWV�LWHPV�SXUFKDVHG�DOVR�UHTXLUHV�WKDW�\RX�WRXFK�\RXU�SD\PHQW�PHWKRG���7KHQ�\RX�KDYH�WR�PRYH�WR�WKH�FUHGLW�FDUG�PDFKLQH�RU�PRQH\�DUHD�WR�SD\�

���7KH�VFDQQHU�ZDV�GLUHFWO\�LQ�IURQW�RI�\RX���7KH�LWHP�VFUHHQ�ZDV�DERYH�WKDW�DQG�D�OLWWOH�WR�WKH�ULJKW�DQG�WKHQ�WKH�FUHGLW�FDUG�PDFKLQH�ZDV�ORZHU�DQG�WR�WKH�OHIW��WKH�PRQH\�DUHD�ZDV�VHSDUDWH�DQG�WKH�UHFHLSW�DUHD�ZDV�RII�LQ�LWV�RZQ�ODQG���6PDOOHU�PDFKLQHV�ZLWK�OHVV�EXON�DQG�WH[W�DQG�RUGHUHG�DSSURSULDWHO\�ZRXOG�EH�EHWWHU�

:HOFRPH�WR�&96�RQ��VW�$YHQXH

2EVHUYLQJWKHSXEOLF

2EVHUYDWLRQ��

,�REVHUYHG�PXOWLSOH�SHRSOH�DW�GLIIHUHQW�VWDWLRQV�JHWWLQJ�RII�WKH�VXEZD\�DQG�WKHQ�VWRSSLQJ�MXVW�RXWVLGH�WKH�GRRU�DQG�ORRNLQJ�DURXQG�EHZLOGHUHG�WU\LQJ�WR�GHFLGH�ZKLFK�ZD\�WR�JR�QH[W�

'HVLJQ�,QWHUYHQWLRQ��

,�ZRXOG�SODFH�VWLFNHUV�ZLWK�WUDQVOXFHQW�EDFNJURXQGV�RQ�WKH�WLOHV�RU�EULFNV�MXVW�RXWVLGH�RI�HDFK�GRRU��SUHVXPDEO\�WKH�WUDLQV�VWRS�LQ�WKH�VDPH�ORFDWLRQ�HYHU\�WLPH��ZLWK�WKH�VLPSOH�WUDLQ�V\PERO��H[��*UHHQ�FLUFOH�ZLWK���LQVLGH��DQG�DQ�DUURZ�VKRZLQJ�WKH�GLUHFWLRQ�WR�ZDON���7KHUH�ZRXOG�DOVR�EH�D�VWLFNHU�IRU�([LW���7KHVH�VWLFNHUV�FRXOG�EH�SDLQWHG�RYHU�ZLWK�D�OLJKW�FRDW�RI�SRO\XUHWKDQH�VR�WKH\�ZRXOG�EH�GLIILFXOW�WR�UHPRYH���$QRWKHU�RSWLRQ�ZRXOG�EH�GRLQJ�WKLV�IRU�H[LWV�RQO\�

$ORQJ�ZLWK�WKLV�,�WKLQN�DOO�IRRW�WUDYHO�DUHDV��VXEZD\V��WUDLQV��DLUSRUWV��VFKRROV��HWF��ZRXOG�EHQHILW�IURP�GHYLVLQJ�D�XQLYHUVDO�DUURZ�V\VWHP���7KHVH�DUH�DUHDV�ZKHUH�SHRSOH�DUH�JHQHUDOO\�WU\LQJ�WR�JHW�IURP�SRLQW�$�WR�SRLQW�%�YHU\�TXLFNO\��DQG�WKH�GLDJRQDO�DUURZ�LV�RIWHQ�D�SRLQW�RI�FRQIXVLRQ���,V�LW�WR�WKH�ULJKW"��,V�LW�XSVWDLUV"��,V�WKDW�D�FRUQHU"��,I�ZH�FDQ�PDNH�D�VLJQ�V\VWHP�IRU�FDUV�FHUWDLQO\�DQ�DUURZ�V\VWHP�FRXOG�EH�DGRSWHG�

2EVHUYDWLRQ��

,�REVHUYHG�D�PDQ�ZLWK�D�ODUJH�QXPEHU�RI�NH\V�DQG�NH\FKDLQV�RQ�KLV�EHOW�ORRS��

'HVLJQ�,QWHUYHQWLRQ��

7KLV�LV�WRR�KHDY\�DQG�EXON\�IRU�1<&���7KH�JRDO�LV�WR�WUDYHO�DV�OLJKWO\�DV�SRVVLEOH���2QH�HOHFWURQLF�NH\�WKDW�ORRNV�OLNH�D�FUHGLW�FDUG�DQG�FDQ�JR�LQ�WKH�ZDOOHW�LV�EHWWHU���7RJJOH�VZLWFKHV�RU�EXWWRQV�RQ�NH\�WR�FKDQJH�ZKLFK�GRRU�LV�JRLQJ�WR�EH�RSHQHG��H[��ZRUN��KRPH����&DQ�SHUVRQDOL]H�WKH�NH\�

0DNH�D�FUHGLW�FDUG��NH\�FKDLQ����,I�\RX�RQO\�QHHG�RQH�RU�WZR�NH\V�IRU�WKH�GD\�WKHQ�\RX�FDQ�SXVK�WKHP�LQWR�WKH�FUHGLW�FDUG��NH\�FKDLQ��VR�\RX�GRQW�QHHG�WKH�ORRSV�DQG�FKDLQ�DQG�\RX�FDQ�MXVW�SODFH�WKH�FDUG�LQ�D�ZDOOHW���7KLV�ZRXOG�DOVR�EH�QLFH�IRU�VPDOO�SXUVHV�DQG�SRFNHWV���$OVR�FDQ�SHUVRQDOL]H�

2EVHUYLQJWKHSXEOLF

2EVHUYDWLRQ��

,�REVHUYHG�SHRSOH�KROGLQJ�SROHV�DV�WKH\�VWRRG�LQ�WKH�VXEZD\V���,�DOVR�REVHUYHG�RWKHU�SHRSOH�OHDQLQJ�DJDLQVW�WKH�FHQWHU�SROH�PDNLQJ�LW�GLIILFXOW�IRU�WKRVH�DURXQG�WKHP�WR�KROG�WKH�VDPH�SROH��SUHVXPDEO\�EHFDXVH�WKH\�GLG�QRW�ZDQW�WR�WRXFK�WKH�SROH���

'HVLJQ�,QWHUYHQWLRQ��

,QVWHDG�RI�D�FLUFXODU�EDU�WR�KROG�LQVWDOO�D�ZLGHU�UHFWDQJXODU�EDU�LQ�VXEZD\V�DQG�EXVHV���7KHQ�VHOO�ELJ�VXFWLRQ�FXSV�WR�VWUDSKDQJHUV���7KH\�FDQ�KROG�WKH�KDQGOH�RI�WKHLU�SHUVRQDO�VXFWLRQ�FXS�DQG�VXFWLRQ�WKH�FXS�WR�WKH�IODW�VLGH�RI�WKH�UDLO���7KHQ�SXVK�EXWWRQ�WR�UHOHDVH�SUHVVXUH�ZKHQ�UHDG\�WR�OHDYH���7DNH�VXFWLRQ�FXS�ZLWK�\RX���,I�\RX�GRQW�KDYH�D�VXFWLRQ�FXS�RU�ZDQW�RQH��WKHQ�KROG�UDLO�

2EVHUYLQJWKHSXEOLF

:DLWLQJ�LQ�/LQH

+RZ�FDQ�ZH�ZDLW�PRUH�HIIHFWLYHO\"��:KDW�FRXOG�ZH�KDYH�ZLWK�XV�VR�ZH�FDQ�EH�SURGXFWLYH�ZKHQ�ZH�DUH�XQH[SHFWHGO\�PDGH�WR�ZDLW"��+RZ�FDQ�WKRVH�LQ�FKDUJH�RI��WKH�ZDLW��FRQYH\�WKH�QHFHVVDU\�LQIRUPDWLRQ�WR�WKH�ZDLWHUV��L�H����ZKHUH�WR�ZDLW��KRZ�ORQJ�LW�PD\�EH�"

/RVW�,WHP

+RZ�FDQ�ZH�EHWWHU�WUDFN�DQG�ILQG�D�ORVW�LWHP"��6RPHWLPHV�LW�LV�D�PDWWHU�RI�MXVW�NQRZLQJ�ZKHUH�\RX�OHIW�LW���,�IRXQG�LW�GURS�ER[HV�WKURXJKRXW�WKH�VXEZD\V"��3ODFH�DQ�LQH[SHQVLYH�WUDFNLQJ�GHYLFH�LQVLGH�IUHTXHQWO\�GURSSHG�RU�PLVSODFHG�LWHPV"

8QLRQ�6TXDUH�6SDFH

:K\�GRQW�ZH�EHWWHU�XWLOL]H�YDFDQW�VSDFHV�LQ�1<&"��:KDW�DUH�VRPH�ZD\V�WKDW�ZH�FRXOG�XVH�LW"��7HPSRUDU\�KRXVLQJ"��7R�GLVSOD\�WKLQJV"��7HPSRUDU\�DUWLVW�VWXGLR"��7HPSRUDU\�HYHQW�VSDFH"��,�REVHUYHG�SHRSOH�ZDONLQJ�RQ�/H[LQJWRQ�$YHQXH�IURP���WK�VWUHHW�WR�WKH���WK�VWUHHW�H[SUHVV�VXEZD\�HQWUDQFH���,W�ZDV�FRQJHVWHG�EHFDXVH�ZRRG�FRYHULQJ�D�QHZ�VWRUHIURQW�XQGHU�FRQVWUXFWLRQ�KDG�H[WHQGHG�RQWR�WKH�VLGHZDON�DQG�WKHUH�ZDV�DOVR��VFDIIROGLQJ���,Q�WKLV�VDPH�DUHD�D�ORQJ�OLQH�RI�SHRSOH�ZDLW�IRU�WKH�EXV���7KHUH�DUH�D�QXPEHU�RI�EUHDNIDVW�VKRSV�VR�SHRSOH�DUH�FURVVLQJ�WUDIILF���7KHUH�LV�D�VLJQ�LQ�IURQW�RI�D�SHUIXPH�VWRUH�DQQRXQFHV�LWV�GLVFRXQWV���+RZ�FDQ�ZH�GHVLJQ�WDNLQJ�SXEOLF�VSDFHV�LQWR�DFFRXQW"

6KRH�6KLQH

:KDW�ZRXOG�KDSSHQ�LI�ZH�LQFRUSRUDWHG�PRUH�VNLOOHG�WUDGHV�LQ�XQH[SHFWHG�SODFHV"�2QH�ZRXOG�WKLQN�WKDW�WKH�DLUSRUW�VKRH�VKLQH�ZRXOG�EH�D�WKLQJ�RI�WKH�SDVW���&DQ�ZH�LQFRUSRUDWH�WKLQJV�IURP�WKH�SDVW�LQWR�RXU�QHZ�GHVLJQV"

)XQ�%XWWRQV

:KDW�ZRXOG�KDSSHQ�LI�WKHUH�ZHUH�PRUH�SDQHOV�OLNH�WKLV�LQ�GDLO\�OLIH"��:KDW�LI�,�FRXOG�XVH�D�MR\VWLFN�WR�VHW�XS�P\�FRIIHH"��:K\�FDQW�ZH�XVH�PRUH�MR\VWLFNV�DQG�ELJ�L�ZDQW�WR�SUHVV�\RX�EXWWRQV"��$QG�ZK\�LV�LW�WKDW�WKH�EXWWRQV�WKDW�ZH�FDQW�SUHVV�DOZD\V�ORRN�VR�IXQ"

7KDQN�\RX�

$GGLWLRQDO�TXHVWLRQV�IURP�RWKHU�LPDJHV�GXULQJ�P\�GD\�

�����+RZ�FDQ�ZH�LPSURYH�WKH�LWHPV�LQ�DLUSRUWV�VR�WKDW�SHRSOH�FDQ�JHW�VRPH�UHVW�LI�WKH\�KDYH�D�OD\RYHU�RU�D�GHOD\HG�IOLJKW"��+RZ�FDQ�ZH�LPSURYH�WKH�WUDYHOHUV�RYHUDOO�H[SHULHQFH"

�����+RZ�FDQ�ZH�UHGHVLJQ�VQDFNV�LQ�DLUSRUWV�VR�WKH\�DUH�SRSXODU��HFR�IULHQGO\��IUHVK�DQG�LQIRUPDWLYH��,�DP�SDUWLFXODUO\�FRQVFLRXV�RI�KRZ�PDQ\�FDORULHV�,�DP�HDWLQJ�ZKHQ�,�NQRZ�,�ZLOO�EH�WUDYHOLQJ�DOO�GD\��"

�����+RZ�FDQ�ZH�EHVW�VXSSO\�SXEOLF�EDWKURRPV�ZLWK�WRLOHW�SDSHU"��)URP�WKH�ZD\�LW�LV�DIIL[HG�WR�WKH�ZDOO�WR�WKH�W\SH�RI�WRLOHW�SDSHU�VR�LW�GRHVQW�ULS�RII�LQ�VPDOO�SLHFHV�

������&RXOG�D�VRODU�SDQHO�LQ�D�UROOLQJ�EDJ�FKDUJH�DQ�L3DG"��&RXOG�LW�EUHZ�D�FXS�RI�FRIIHH"��+RZ�PXFK�DUH�VRODU�SDQHOV"

�����+RZ�FDQ�ZH�FRQVXPH�EHYHUDJHV�EHWWHU�ZKLOH�ZH�DUH�RQ�WKH�PRYH"��&RQVLGHUDWLRQV�LQFOXGH��PRQH\��ZDVWH��WLPH�ZDVWHG�EX\LQJ��NHHSLQJ�VRPHWKLQJ�FROG�KRW

������,I�WKH�DUULYDO�DQG�GHSDUWXUH�VFUHHQV�GLGQW�H[LVW�LQ�WKH�DLUSRUW��KRZ�HOVH�FRXOG�ZH�OHDUQ�DERXW�IOLJKW�LQIRUPDWLRQ"