"A brand for a company is like a reputation for a person. You earn reputation by trying to do hard things well."

They say that all good things come to an end – such an apt description to describe the end to my summer internship. Now that my final presentation’s done and dusted, I’m currently wrapping up my other white paper (yes, overachieving interns work on two projects) and basically tying up loose ends in my final week at Amazon. It’s been an intense two weeks reviewing and revising the white paper that was up for presentation to my VP; I’m sure I’ve got 90% of the content indelibly burnt into my brain now.

Nonetheless, it’s over and now I’ve got a few weeks of downtime to get my belongings shipped back to Ann Arbor and travel back home to catch up with family and friends before semester starts afresh. While I’m looking forward to the rest, it’s a bittersweet moment as everyone heads off in their separate directions at the end of the internship period. I’ve made great friends from different schools and have truly enjoyed being able to discover Amazon and Seattle with such an amazing crew. Even now, plans are afoot to organize a catch-up session down the road in a better place. I hear Miami is really nice in the spring…

You might ask at this point, how have you been spending your last few weeks in Seattle? Well, glad you asked! It’s been a whirlwind of good Seattle food, hiking up Mount Rainier, pigging out on dim sum in Vancouver, gawking at supercars at the local Cars & Coffee gathering, grilling burgers on the rooftop on a balmy summer evening, hunting down the best dessert in Seattle (El Diablo, Tango Restaurant & Lounge), getting strafed by F-18s while working, watching dogs leap 20 feet into a pool and listening to the British rock band The Fixx play during my lunch hour. So yes, it’s been a REALLY boring summer.

Reflecting back on my Amazon experience, I can say that I’ve been very fortunate to be given the opportunity to work with a truly great firm and some amazing colleagues. We’ve all been assigned business-impacting projects with ownership over our work whilst being given lots of support throughout the summer. This truly exemplifies the entrepreneurial and fast-growing nature of the firm and shows how Amazon stands apart from its rivals. It’s been a great learning experience over the past 11 weeks and I have renewed faith in Bezos’ vision in the firm.

Finally, before I bid you all farewell, do check out the Kindle Fire if you’re in the market for a well-priced tablet with an excellent supporting ecosystem of content and apps. It offers more than 18 million movies, TV shows, songs, books, magazines, apps and games, as well as free storage of Amazon digital content in the Amazon Cloud, Whispersync for books and movies, a 14.6 ounce design that's easy to hold with one hand, a vibrant color touch screen, a powerful dual-core processor – all for only $199. To learn more about Kindle Fire, visit www.amazon.com/kindlefire.

Till next time, ciao.

This is what $30 million looks like (250 GTO)

This is what a British rock band looks like (The Fixx)

This is what the best dessert in Seattle looks like (El Diablo)

This is what the Sound of Music looks like (Mt. Rainier hike)

This is what a heart attack looks like (Fried Snickers)

This is what... ah, if you don't get this, then you're just not techie enough.

"We see our customers as invited guests to a party, and we are the hosts."

A few days ago, I realized that I'd passed the halfway point of my internship, leaving myself with not a whole lot of time to finish up the remainder of my projects. Sure, Amazon sets stretch goals so timelines and targets can be a little on the ambitious side, but wouldn’t you rather be at a firm that challenges you rather than settling for ‘just good enough’? To be honest, I’m actually pretty surprised at the work-life balance at AMZN having come from my previous stint as a consultant – people work hard to get things done, but you’ll not find people staying late just to ‘show face’ to their bosses. As long as you get your job done, it’s all good. That’s the Amazon way.

One thing I’ve really enjoyed at Amazon thus far is the level of access we’ve had to senior levels of leadership. I know I’ve touched on this previously, but we just had an intern dinner yesterday where we were free to mingle around with directors and VPs. Of course, by mingle, I meant “ask strategic questions so that I know where the firm will be in 5-7 years”. Trust me when I say that the senior leadership here is smart and sharp, yet they remain very approachable and are eager to answer whatever difficult questions that get lobbed their way. Apart from Kindle-specific questions, which are under the usual ‘I could tell you, but then I’d have to kill you’ levels of secrecy. In fact, the Kindle VP told me that if I had a great idea, all I had to do was to write up a one-page document and send it directly to him and he’d review it for consideration. How many firms have the resources, openness and flexibility to make that happen?

Another great thing about Amazon is the number of MBA interns we have here. With more than 150 of us here, there’s no shortage of people to meet and beers to chug. It’s always interesting to get different perspectives from the other interns, with everybody having their own war stories to share over a good time at the bar. After all, there’s nothing like washing down a week of hard work with a frothy pint of Weissbier. Mmm, beer.

It’s also worth mentioning that the weather has truly turned for the better – the real summer has finally arrived, albeit a good month later than what I’d been led to believe. What that means is that short sleeves and shorts (well, not for the manager interns anyway – we’re too classy for that) are back in season. Hopefully that’ll hold till the end of my stay here as I still need to check the ‘hike up Mount Rainier’ box off my summer checklist.

Finally, if you’re an avid mobile gamer with a Kindle Fire, keep your eyes peeled for GameCircle, an all-new gaming experience that enables achievements, leaderboards and game synchronization to add an additional layer of fun and socialization to your favorite mobile games on the Kindle Fire. If you are a mobile game developer, hop on over to http://amazon.com/gamecircle to learn how you can build these exciting new features into your games today.

Yes, I had the snake and it was tasty.

 

 Some seafood, yesterday. 

Meals on wheels.

"What we want to be is something completely new. There is no physical analog for what Amazon.com is becoming"

So I’ve hit the halfway point of my internship and that means the dreaded midpoint review comes into the picture. At Amazon, that means that the culmination of your weeks of intense work to that point get compressed into a single white paper that gets scrutinized by your boss, your boss’ boss and occasionally his boss too. In my case, that was two white papers thanks to the two projects I was working on. To be fair, they did put the “work hard” bit before “have fun” in the company tagline.

I’m continually astounded at the effectiveness of meetings here at AMZN. Having been exposed to working environments where hour-long meetings resulted in little in the way of a productive outcome, I’ve found that Amazon meetings are short and to the point with decisions made and feedback given all within the space of 15-30 minutes. It’s a far more effective use of time and it means that I fit more productive hours into a working day. Maybe there’s something to be said about the no-PowerPoint policy…

As far as the project work itself, it’s been challenging yet fulfilling. You really feel that you get to take ownership of meaningful, difference-making projects. Colleagues have all been very supportive and have made a big impact on my ability to get so much done in so little time. Of course, my projects have been focused on the area of <<content redacted>> so it’s clear how this will impact the future of the Kindle organization.

Outside of work, Seattle’s been an awesome place to spend the summer. The much-lauded summer has finally kicked in and I no longer have to pull on a sweater before heading to work in the morning. Having said that, I’ve probably jinxed myself and it’ll end up drizzling for the rest of the week. Sorry Seattle.

For entertainment, I've occupied myself with a Seattle Sounders match (I discovered why Fulham dropped Eddie Johnson from their squad), oyster happy hours, balsamic strawberry ice cream, rally school, ordering coffee at the first Starbucks store, jellyfish gazing at the aquarium and exploring the less traveled bits of the city. I’ve not been as enamored with the appalling road conditions and the unbelievably high price of gas, though the number of more interesting cars on the roads make up for it somewhat.

Before I forget, I should remind everyone that even more content is now available on the Prime Instant Video catalog. Hundreds of classic movies and hit TV episodes have been added to the library, which is open to all customers who have a Prime membership. Prime customers can access Instant Video on numerous platforms, including the Xbox 360 and PlayStation 3 gaming consoles as well as the Kindle Fire tablet. Customers who are not Prime members can enjoy a 1-month free trial of Prime. To find out more about how you can watch Prime Instant Video, visit www.amazon.com/PIV.

Typical Seattle lunch

Typical Seattle car

 Typical Seattle weekend driver

Shhhh....I'm listening....

Hey there,

I cannot believe that 5 weeks of my internship are already over and next week I hit the mid-point. The last few weeks have been phenomenal in every sense of the word. I have met the most interesting people, learned so much about technology, received some of the best advice on career advancement and had so much fun!

My project is shaping up very well and there are so many dimensions that have been added to it, that every morning, I cannot wait to get to work and get started. I joined the Corporate finance world, expecting lots of spreadsheet modeling, financial valuation and analytics. Yes, I am getting to do all of that, but only 50% of the time. The other 50% of my project is purely qualitative- understanding the products (software!!), studying customer behavior and projecting that behavior for future development and socializing different ways of thinking about processes across different groups within the company ( marketing, product management, business managers, sales, strategy and operations).

With so much time spent on meeting people from so many different departments and functions, I am learning to further hone my communication and relationship management skills. At Microsoft, like any other big corporation, people and relationships are the real key to success; and this has been reiterated by all the C-level executives that we have met so far. They have all attributed their success to their relationships with the right people and influencing skills.

Another skill that I feel I use everyday is that of mindful listening; which can be argued is a part of communication skills, but I like to separate it out because what we mostly learn about communication is how we express ourselves, in written, verbally or through body language. We are not taught or trained to "listen". There have been several times during my conversations with business partners when I have been best served by just listening, and not rushing to share my own opinion of the matter to impress my counterpart.

So what I've learned to do is : don't just communicate, LISTEN. And when you speak AFTER carefully listening to the other person, your words will INFLUENCE and IMPRESS them.

Hopefully I continue to develop this skill as I continue in my career.....

So now Shhhh...I'm listening....:)

Sleepless in Seattle! after being well fed in India!

Hi all! I am Nupur Bagaria, MBA Class of 2013. A brief introduction is in place: I am born Indian, raised in Africa for 17 years, did my undergrad and first job in Southeast Asia (Singapore) [and became a citizen there because I absolutely loved that country!] and worked for the last 3 years in New York. And to make my life more interesting than just globe trotting, I have now decided to switch industries from financial services to high-tech! Prior to Ross, I worked with PricewaterhouseCoopers in the banking and capital markets space. Now for the summer, I will be going to Microsoft in their Office Division- Corporate finance.

But before I take you to the world of Windows 8 and Office 365, I would like to share my MAP experience with you because it was in the true sense of the word- UNIQUE. I was part of a team of four consulting for the Unique Identification Authority of India (UIDAI). This organization, which is an amalgamation of public and private individuals, has created the world's largest biometric database! They have taken on the task of issuing biometric identities to the 1.2 Billion people in India. As you can imagine, this is no mean feat. In fact, they have amazed the world by issuing approximately 200 millions IDs within a year of establishment. My team's MAP project revolved around developing the application ecosystem for this identity system. We realized that this system has the potential to transform the lives of millions in so many ways, especially the under-privileged.

As part of the MAP, we traveled to India for 3 weeks. We had the opportunity to meet with the Chairman of the UIDAI- Mr. Nandan Nilekani- co-founder and ex-CEO of the multi-billion dollar IT company, Infosys. For the uninitiated, here is a wiki on Mr. Nilekani=> http://en.wikipedia.org/wiki/Nandan_Nilekani and several other very senior government officials in the organization. In fact, we had a chance to speak with Mr. Nilekani right after his meeting with the IMF Chief- Ms. Christine Lagarde! (see picture).

My team found that the UIDAI has shown exemplary innovation in several ways (organizational structure, technology, technology management etc.) and its impact on Indian residents is so massive that I fall short on words. For those interested, here is the website of the UIDAI=> http://uidai.gov.in/ Thank you Ross for this unique experience!

Well folks, I can go on and on about my MAP project, and the excitement that I have for my summer internship is similar. Interning at Microsoft will be a game-charger for me. First- it will be a switch from the world of banking and financial services to high-tech, second from the east coast to the (much warmer!) west coast and thirdly from suits to business casual :) I have heard the techies are fond of denim and t-shirts and am really excited to experience that!

And now I will go back to being busy with what I plan to do throughout May- CHILL.

Stay tuned for my next post- till then- Chao!

Beginning of summer!

Hi all,

This is an introductory post. I am an MBA and this summer I will be interning at Ecolab in St Paul, Minneapolis! Ecolab is one of the few companies that recruits for business-to-business (B2B) marketing positions at Ross. I am in still in the midst of determining my internship scope, but I am excited to share that options include working for the Global Food and Beverage Division, to the Healthcare, Hospitality and Commercial Division - I am torn between a few really exciting projects but regardless of my final decision, I am certain this summer internship going to be an amazing experience.

Prior to Ross, I worked in the wealth management industry in Hong Kong and Singapore, as well as the non-profit industry in India. Coming to business school, one of my main goals was to do a career switch to B2B marketing. With the support of OCD and the Marketing Club, I successfully made the switch. This opportunity at Ecolab will give me the critical first-hand experience I need.

Speaking to friends who have worked or lived in Minneapolis, they all told me that summers in Minneapolis are beautiful. People in the city are very active in the summer and sports play a huge role.

I will be starting my internship in the first week of June, so till then!

I will come back for more

One feels a strange mix of emotion at the end of an intense summer internship. A feeling of relief as work winds down combined with a tinge of reluctance at putting a pause on newly formed professional relationships. Would I return full time to Credit Suisse?

Of the myriad factors to consider when choosing a full time job, the strongest pull to join Credit Suisse would be the people. Throughout the summer, I have received help and friendship from many bankers in CS. They have been open and honest with advice, providing important insight into the ins and outs of an investment banker's life. Not only has everyone in the office been polite and kind, they have taken the time to teach me so much about the financial industry. Their amiability alone confirms that the working environment will be a pleasant and conducive one.

As for the nature of the work, we have all learned about job satisfaction in our MO classes. Task significance, autonomy and task variety make for vital intrinsic motivation. Investment banking offers all of these. First, you are staffed on multiple projects at once. We work on M&A deals, IPO launches, follow-on offerings and pitches. We also have to prioritize and manage our time efficiently so that deadlines on multiple projects are met. It is altogether challenging and stimulating. Task significance is a given. All projects represent significant milestones in a company's life cycle - bankers advise on important strategic and financial decisions and get the chance to mingle with the CEOs and CFOs of billion-dollar institutions. One couldn't have a more satisfying out-of-college experience.

All in all, it has been an inspiring and privileged summer. As a college student with minimal work experience, the opportunity to see and learn from industry experts has been mind-blowing.

So the answer to the question, is yes.

Sunset on internship

The sun is setting on my summer internship. With just two weeks left to go, my feelings are mixed regarding the end of my stint at CS. I feel reluctant to leave the people I have spent an entire summer building up good relationships with, yet excited that senior year is about to begin.

The culture at CS is amiable yet professional. You'll probably never meet a more diverse workforce than the one at the Technology, Media and Telecom (TMT) group at CS. Even though I am in America, I am surrounded by people from every corner of the globe - there are people from Nigeria, India, Singapore, America, the Netherlands, Canada, France, Australia and Bulgaria. It is stimulating to work on a daily basis with people of such different backgrounds and nationalities. For this reason, I deeply appreciate the CS company culture. It makes an effort to hire employees from different nations and of different backgrounds. People can be themselves instead of trying to fit into a corporate mold.

One thing I am grateful for at the TMT group at CS is that our group head has taken the effort to organize weekly lunches through the summer with various high-level people working throughout the bank. There was the head of equity capital markets, the new chief of branding and communications, and just last week there was the head of fixed income. The head of fixed income is such an inspiring figure. Not only does he manage risk-taking at CS effectively, he also finds time to liaise between CS and the government. In a time when governmental regulation has increasing potential to affect the industry, it is vital that every bank has someone who can effectively communicate the bank's position to government officials. He has even had long conversations with Barney Frank and Nancy Pelosi.

The group will be deciding if we receive return offers on August 6. That's only a week of real work left before our fates are decided. Onwards and upwards I say.

Work-Life Schmalance

Balance, schmalance. Let me start off by saying that work-life balance as an investment banking analyst or associate is next to non-existent. Given the harsh demands of the job, we spend an inordinate majority of our waking hours in the office cranking spreadsheets, memos and pitchbooks.

Our schedules are not our own. We live and breathe at the mercy of work's ebb and flow. Your time is never yours. Carrying a blackberry around may seem cool, but it virtually connects you to work 24/7 and puts you at the beck and call of your superiors.

As analysts right out of college, the hours are still manageable. Young and energetic, ready to pour our souls into our careers, we are fully committed to performing the best we can at work. The story is a little different for associates. At a later period in life, associates are looking to start families, commit to relationships and build a home for themselves. Associates who are thinking of having children, or who have just had children, find little time to give to their families because of their work.

So why do so many people still fling themselves at the industry? Firstly, and I loosely quote a VP, you have to be greedy for money to be in the industry. Compensation is obviously a major draw for most joining the industry. Secondly, and I quote another analyst now - "you get in and you get out". People join for the exit opportunities, whether it be to hedge funds or PE shops. The experience sets you up for life (arguably).

It is a tough decision. I think when you choose investment banking, you are not choosing a job but a lifestyle. You must think about whether you are willing to cede control of your schedule, whether you are ready to lose touch with a few friends along the way, and whether you can handle a family/relationship in addition to work.

All That Glitters is not Gold

Cliche title for an oft misunderstood metal... but one that has held, and continues to hold tremendous importance to man. As you can guess, I'm on a desk dealing in precious metals, chiefly gold; I will try to explain the mysteries of investing in the metal.

On a simplified basis, gold demand can be split into two broad categories: investment demand and commercial demand. Both names are self explanatory, but to give you a more specific definition, investment demand is comprised of buyers from the financial community - hedge funds, pension funds, mutual funds, anyone looking to speculate or hold gold for the long term. Commercial demand consists of buyers from industry, namely from dental services and car makers. Another important part of this category is made up of individual buyers - India is a huge retail market for gold due to its important uses in their culture, namely in dowries and numerous festivals they celebrate.

Considering both parts of the demand picture for gold, it becomes obvious that it is viewed both as a commodity as well as a store of value. This stands in contrast to other metals which are mainly used as industrial materials. Consider as a short example gold's main rival - silver. Silver is constantly mined and consumed as an industrial metal, and this can be observed in its price, which trades in double digits, compared to gold which trades in triple digits. Also consider that gold is hardly ever consumed as most of it is held physically as jewelry or in bars, to be converted into value later. This means its supply is mostly fixed, while demand fluctuates according to investment and commercial demand.

Thus, gold essentially becomes a currency - which harks back to the era of the gold standard, or the Bretton-Woods agreement. From that legacy, and the metal's cultural history of being a material valued by all, gold today fills the modern role of a currency of last resort, a hedge against inflation, or a hedge against the US dollar. All three roles are extremely similar and are based in a common line of reasoning - should paper based currencies, as they are doing now, continue to be printed freely to stimulate global economies, the fiat currencies of America and Europe will slowly lose their value, making gold even more valuable as the hard asset holds its value better than the paper asset.

Ultimately, the physical gold custody trade is an armageddon trade and is definitely a tail risk event... but it never hurts to be prepared does it?

The World of Buyouts, $ and a whole load of Junk

I'm on my second rotation now, on the High Yield trading desk - thought it would be good to explain High Yield/Junk Bonds/Leveraged Buyouts in layman terms.

Remember Barbarians at the Gate? If the title does not ring a bell, try RJR Nabisco. Kohlberg Kravis Roberts? How about Leveraged Buyout? Three names; one of the history's largest buyouts at $31.3 billion. Such is the infamy, and some might argue romance, of the leveraged buyout that the tale is relived in one of the most well read books in financial literature, even spawning a movie (arguably much less successful than the book). But financial wizardry aside, what is a Leveraged Buyout (LBO)? More importantly, why use of the term junk?

On an extremely basic level, an LBO is simply one company buying another company, but instead of funding the purchase with cash or stock, the acquirer uses debt. A lot of debt.

Consider this simple scenario. Company A wants to buy Company B for whatever reason. However, A does not have the cash to do so/ does not want to commit a large amount of cash to do so. Recall: Company A tends to be a private equity firm, private investment partnership, corporate raiders and the ilk. What does Company A do? Simple, it borrows. In a twist of financial magic however, Company A purchases B and pushes all the borrowed money into B. Here's how the magic works:

Company A creates a new Company, C. Recall: C is a SPV or special purpose vehicle, whose "special" purpose in this case is to house Company B and all the debt taken on to fund the purchase. Now, when the debt is raised, B is bought and housed into C, together with all newly issued debt. Hence the use of the word "Leveraged" since the entire investment is made using rmostly borrowed money. A Real life example, in time to coincide with the dying World Cup fever. The Glazer's bought Manchester United in a LBO, with the English club being placed into the SPV/holding company Red Football Ltd - together with that now infamous debt which has caused a minor revolt in the club's fan base.

Now, more importantly, why use of the term junk? Simple. Remember the credit rating agencies that rated all the toxic mortgages triple A? They rate bonds based on the company's ability to repay them. Basically, more bonds equals more debt equals lower chance of repayment equals lower ratings. At a predetermined point on these agencies' ratings scales lies a threshold of High Yield (Junk) status. Go below that point, and the debt is rated junk. So named due to their relatively higher probabilities of default and thus unpopularity with most investors. In an LBO, so much debt is raised that it is a virtual certainty for the new bonds/debt to be rated as junk.

Hence the term, its use in Leveraged Buyouts, and the obscene buyout amounts witnessed. All essential ingredients in a quintessential Wall Street tale.

How a Trading Floor Works

Imagine standing up to a sea of computer monitors and more than 1500 individuals fixated on the at least three screens in front of them. Add to that sales people standing and shouting at traders across the floor, as well as the incessant ringing of phones and never ending chatter of people talking to clients, each other and anyone else. What never fails to amaze the passive observer is the fact that all that activity is driven by a single entity - the market. Its millisecond changes in price and information sends ripples through the trading floor, bringing together activity from all around the country, and even from across the oceans into a single location.

But one has to wonder how all the chaos is controlled and packed into a neat organization, much less a global financial institution. First, consider the seating arrangements on the floor. Space is allocated to individual desks, which have their sales people and traders sit at most an aisle away. These desks deal in their own individual markets, with sales people either getting orders for traders to execute, or moving securities off the traders’ books. Now, consider the synergy available to the investment bank from having the bulk of its trading operations in a single location. Traders and sales people do not confine themselves to their desks; they move around, call, or simply stand up and shout across desks to get the pulse of other markets. These extra bits of information, cheaply and efficiently gathered, allow traders/sales people to form a much better picture of how markets are moving, what they term "color".

Color is the trading floor's edge. Sales people call their clients to update them on market color gotten from traders or other clients. This in turn allows them to get their client's perspective on markets, thus giving them an even clearer picture of the forces driving the markets. This process continues, and the trading floor that gives the best color, thus enabling its clients to make the most money, ultimately takes home the biggest share of the pot.

First Two Weeks at UBS

Tomorrow (Friday 18 June) will officially mark the end of my first two weeks as an intern at UBS. As a sales and trading intern, I'm based out of Stamford, Connecticut.

Having decided to spend my summer living in Stamford rather than commuting from NYC ( a close 45 min train ride away), I've started to get a real feel for the city. It's in a lot of ways a classic New England town with old architecture and a certain sense of coziness and homely charm, but at the same time sophisticated in its targeted development towards becoming a thriving hub of corporate activity. The city is home to corporate bigwigs such as General Electric, Thomson Reuters, UBS, RBS and World Wrestling Entertainment. The corporates, with their shiny and modern offices, stand against the backdrop of smaller brick buildings housing local businesses, restaurants and small offices - an eclectic mix of the old and the new, of progress and old world charm.

Now, to work proper. The first week was spent in orientation and training, with standard 9-5 hours. Nothing too unusual here, just the standard networking events, icebreakers and lectures covering basic finance/econ classes. The second week saw interns start working on trading desks; Matched Principal Trading for me. For those unfamiliar with the term or the often confusing nomenclature of finance, matched prinicpal trading is in the business of pairing buyers and sellers of securities (corporate bonds mostly, in this case). As this is a new desk, I get to be involved in a lot of business development work. For instance, in the first three days I performed an analysis of customer order flow throughout the trading day to get a gauge of the available liquidity (or the number of buyers and sellers and the amount they want to transact in) offered on our platform.

My program consists of three rotations across three different desks, and I have two more weeks left with MPT. The nature of the work is similar to that of a startup and thus has a clearly defined purpose, which gives me the opportunity to make myself useful to some degree - more than an intern can ask for.

First Post

I am a BBA junior, and will be interning at UBS Sales & Trading, Fixed Income and Commodities this summer. Talking to seniors who have interned on trading desks in the past, it seems that most of my summer will be spent building relationships with co-workers and full time staff, as well as basic office tasks like photocopying, scanning, picking up coffee, and picking up food. Outside of this, a lot of downtime is to be expected between tasks, with the onus on interns to take the initiative and seek out more work to maximize their learning experience.

As of now, UBS has not given any details about what my summer project would be, hence no one in the intern class knows what it entails, must be done or even what to expect etc. Given the amount of down time expected at work, working on the project and tuning it up to a high quality product should not be a problem since plenty of time can be spent on it.

Working at UBS will be exciting as they have a trading floor the size of approximately two football fields, with all traders on the same space. Such an environment will definitely be exciting and highly charged when markets are open, and is something I look forward to being part of. On the other hand, working for the first time outside of home and in a foreign working culture will be a challenge that I foresee must be overcome.