Customer Evaluation - Dollar Superstore

Evaluating Alternatives: Dollar Store/Large Retailer/Online Shopping

1. My first interviewee, a middle-aged male parent, said that the alternative he would choose is online shopping. He said that the price options and convenience of online shopping made this is ideal first choice. Also, when he shops online he can find the exact item that he needs.
2. My second interviewee, another male parent, said that the alternative that he would choose is online shopping. His work schedule keeps him very busy and he travels frequently. Therefore, convenience is why he chooses to shop online.
3. My third interviewee, a female parent, said that she normally shops at a large retailer, such as Walmart or Publix. She chooses to shop at Walmart and Publix, because they are very near her house and she can pick up all of the items that she needs in one trip. She prefers Walmart, because of their cheaper prices. The primary concerns for her are price and convenience. 

How They Buy?

1.  Interviewee #1 said that he pays with a credit card. He has a signed up for an Amazon-sponsored credit card that gives him 5% back on all Amazon purposes. Additionally, he is an Amazon Prime member, so his purchases arrive within days. For these reasons, he does all of his shopping on Amazon, except for groceries.
2. Interviewee #2 said that whether he is shopping online or in the store, he pays with his American Express credit card. He typically shops online with Amazon, so he was his credit card synced with his account to be charged automatically when he makes a purchase. 
3. Interviewee #3 said that she usually uses her credit card to shop. She uses her debit card as a back-up, in case her credit card isn't working for some reason. 

Post-Purchase Evaluation:

1. Interviewee #1 said that his post-purchase evaluation is based on the quality of the product and whether or not it is similar to what he expected. If the product is cheaply made, or was misrepresented online, then he is unhappy with his purchase. Because he shops online, it is more difficult for him to return products.
2. Interviewee #2 said that his post-purchase evaluation has to do with whether the product arrives on time and is what he expected. He has to be very careful when ordering online, because he is afraid that the product he purchased will not be how he expected it to be. Additionally, he has had some bad experiences in the past with online orders being delayed weeks. 
3. Interviewee #3 said that she judges one of her trips to Walmart based on whether or not she could find everything she was looking for, what prices she got, and the quality of service. If items go up in prices or if workers at the store are rude, she is unhappy with her trip. However, if a check out person is particularly nice, or she gets a great deal, she is very happy with her experience.

Summary:

Interviewee #1's main concerns were convenience. He pays with an Amazon-sponsored credit card, and all that was needed to make him happy was that the product be what he expected. Interviewee #2's main concerns was also convenience. He pays with a credit card. In order to be happy with the order, the product has to arrive on time, and be what he expected it to be. Interviewee #3's main concerns were variety, price, convenience, and quality of service.

Conclusion:

Convenience was the most common concern of this segment. Therefore, a dollar superstore would have to be located in a highly populated area in order to be in a convenient location for a large variety of people. Price was also very important to this segment, which should make a dollar superstore more popular with parents. However, quality of the products was raised as the basis for interviewee #1's post-purchase decision, so he may not be a repeat customer for a dollar superstore if he is unhappy with product quality.

My Human Capital

5 Ways My Human Capital is Unique:

1. I am very ambitious. I set very high goals for myself in classes and other areas.
2. I have strong interpersonal skills. This has been helpful with convincing people to become involved in my organization, Global Business Brigades.
3. I am very analytical. I try to make most of my decisions based on logic, not emotion.
4. I am a hard worker. I really push myself to achieve my goals.
5. I have an aptitude for mathematics. Math has always been my strongest subject area.

Interview #1: Dan Golan

The first interview was with my dad. He said that my main strengths were that I am open to new things, ambitious, open to challenges, smart, and hard working. He said that I set high goals and am able to achieve them.

Interview #2: Alison Golan

The second interview was with my mom. She said that my greatest strengths were my positive attitude, perseverance, calm demeanor, enthusiasm, openness to challenges, and math skills. These skills allow me to not panic when faced with problems.

Interview #3: Emily Golan

The third interview was with my sister, Emily. She said that my main strengths were intelligence and confidence. She said that this allows me to securely express my opinion and put myself out there.

Interview #4: Olivia Randall-Kosich

My fourth interview was with my friend, Olivia Randall-Kosich. She said that my main strengths were my logical perspective and business knowledge. She said this has allowed me to make a big impact on Global Brigades, an organization that we are both involved in.

Interview #5: Matt Golan

My final interview was with my brother, Matt Golan. He said that I am goal oriented, stick to my goals, have strong study skills, and have a good work ethic. He said that these strengths will help me succeed in college and in my career.

Reflection:

Many of my interviewees mentioned my intelligence and academic success as a strength. Additionally, several interviewees mentioned that I am very goal-oriented. Also, almost all of the interviewees mentioned that my logical attitude is a big strength of mine. Most of these opinions math up very accurately to my list, so I believe that I have a good idea of what my strengths are. If I could change the list, I would add that I am open to new challenges, because that came up frequently.

Halfway Reflection

1) The work in this course is relatively easy, but it is time consuming. I would suggest that students taking this course don't procrastinate. When I put assignments off until the last minute, it could be very stressful. I have developed my organizational skills in order to ensure that I didn't forget an assignment. Additionally, I had to work on my creative thinking as I completed these assignments.
2) One time I put off all of my assignments until the night that they were due. On top of that, I ended up getting a horrible headache that night. Instead of giving up, I just got to work and knocked out all of the assignments in a row. I wouldn't say that this experience greatly contribute to me having a tenacious attitude. On the contrary, I believe that my having a tenacious attitude allowed me to be successful in these experiences.
3) The tips that I would include for helping students foster tenacity and develop a tenacious mindset are as follows:

1. You get out of it what you put in, work as hard as possible.
2. When you are feeling stressed out, don't panic. Once you begin to accomplish tasks you will feel less stressed.
3. The difference between success and failure at something could just be a few hours of your time. Never put yourself in a position where you regret not doing more.

Reading Reflection - The Wright Brothers

1) The thing that surprised me the most about the Wright brothers was the lengths to which they would go to accomplish something they weren't 100% sure was possible. They spent a lot of time and money trying to do something that had never been done. I most admired the Wright brothers' work ethic. I was very impressed that they were able to balance their responsibilities at the bicycle shop they ran with their work on their flying machine. The thing I least admired about the Wright brothers was their confrontational attitudes. It seemed as if they would frequently waste time and energy arguing with each other without any progress being made. The Wright brothers faced a lot of adversity and failure. The entire process of the developing their flying machine was trial and error. Therefore, the failed early and often. Additionally, they faced adversity from people who claimed humans could not fly. When they failed, they were called foolish. When they succeeded, they were called liars. Despite these failures and adversity, the Wright brothers kept working hard and improving their flying machine every day.
2) The Wright brothers' were very hardworking, intelligent, and dedication. By combining their strong knowledge of flying, birds, and physics with their work ethic and dedication, they were able to succeed where all others failed. Most people would either not have the knowledge necessary, or be able to sustain the hard work for the amount of time that the Wright brothers' did.
3) The part of the reading that was most confusing to me was keeping track of all of the different people. This got easier as the story progressed and I became more familiar with the people, but I initially confused people in the biography frequently.
4) The first question that I would ask the Wright brothers is how close they came to giving up on flying. The second question I would ask them is what was their primary motivation for devoting themselves to accomplishing this task.
5) The Wright brothers are a perfect example of people who believe anything can be accomplished with hard work. They literally accomplished what was seen as impossible at the time. I share the view that hard work is the number one requirement of success.

Beginning of the Buyer Behavior Process - Dollar Superstore

Segment:
Middle-Class Parents

Awareness:
1) My first interviewee said that he would most need to go to a dollar superstore when he is on vacation. When he goes on vacation, he will typically realize that there are certain items that he forgot to bring. He realizes that he needs a cheap replacement for the item or items.
2) My second interviewee said that she most needs to go to the dollar store when she needs cleaning supplies, kitchenware, or other items like that. She becomes aware of her need for a dollar superstore when she realizes she needs a cheap kitchen or cleaning product.
3) My third interviewee tends to buy cheap work supplies, such as paper or pencils. He first becomes aware of his need for cheap supplies when he has a big project coming up for work.

Information Search:
1) Since the interviewee is on vacation, he doesn't try to find the product online. He told me that when he doesn't need the product immediately, he only shops online. When he is on vacation and needs a cheap product immediately, he goes to the nearest dollar store. He will then check the dollar store for a suitable product. If there is none, he will go to the next closest dollar store.
2) Once my second interviewee realizes that she needs kitchen or cleaning supplies, she will first decide how much time she has available that day. If she has enough time, she will go to a Walmart so that she will have a greater variety of products to choose from. However, if she doesn't have very much time, she will just make a quick trip to the nearby dollar store.
3) My third interviewee will first look up the necessary supplies online. If he can find the supplies cheaply on Amazon, then he will order them there. Because of Prime shipping, he will still have the supplies quickly. However, if the supplies are too expensive online, he will make a trip to the dollar store in order to save money.

Conclusions:
I learned from my interviews that the primary factors that middle-aged parents consider when looking for cheap supplies are needs for convenience, immediacy, and price. The consumer will weigh these needs against the needs for variety and higher quality goods. If the need for convenience, immediacy, and price are high, the consumer will choose the dollar store. By combining these needs with the need for variety, a dollar superstore could attract middle-class parents.

Idea Napkin #1 - Dollar Superstore

1) I have some entrepreneurial experience, in that I founded the UF chapter of Global Business Brigades. As president and founder, I created an organization and then grew it into a group of 20 students, 8 of which went on our first service trip this May. This process gave me experience with managing people, developing a new organization, and leading people. I aspire to work internationally, possibly in investment banking. If I began the Dollar Superstore business, I could see myself overseeing its expansion throughout the United States and other countries in the future.

2) A Dollar Superstore would provide customers with a wide variety of discount goods and groceries. The selection would be wide enough that an individual or a family could do all of their shopping in one Dollar Superstore. However, the prices would still be lower than traditional retailers. These items would range from everyday products, to groceries, to specialty items.

3) The target audience of a Dollar Superstore would be people in the lower and middle classes. People who have a low income and need to save money might opt to shop at a Dollar Superstore instead of a large retailer, such as Walmart or Target. Also, Dollar Superstore would be targeted at middle class people who are very frugal and prefer to save money. Finally, a large market for the Dollar Superstore would be students who are living on a limited budget and need to save money.

4) Our target audiences will use the Dollar Superstore instead of alternatives for shopping, because the Dollar Superstore provides the variety of different products that a large retailer would offer, but at dollar store prices. This would allow the customer to save money and pick up all of the goods that they need.

5) Our core competency is that we would be the first in this market. With retailers declining and dollar stores growing in popularity, there is an opportunity for a large-scale dollar store to gain market share. By being the first to enter the market, we would be able to gain a sizeable share of the market.

Items 2, 3, and 4 work well together to solve an unmet need for consumers. These three ideas would allow a dollar superstore to become successful and more widespread in society. However, items 1 and 5 are a little weaker. I don't see myself working for this business indefinitely and other than being the first of its kind, the Dollar Superstore could be more easily imitated and bypassed by existing dollar stores. Therefore, this is an idea that I would be more likely to pitch to and work to develop at an existing dollar store, such as Dollar Tree.

Elevator Pitch - Dollar Superstore

Testing the Hypothesis (Part 2) - Dollar Superstore

Interviews with people who seem like they would have an unmet need, but don't:

1) One person that I interviewed, a middle-age man, was very frugal, but very picky. However, he wasn't very interested in a dollar superstore, simply because they do all of their shopping online.
 2) Another person I interviewed, a female graduate student, frequently goes to dollar stores. She wasn't very interested in the idea of a dollar superstore, because she is very happy with the selection at regular dollar stores. Additionally, she said that a larger variety could end up being too much of a selection.
 3) I spoke to a male undergraduate student as well. He said that he would appreciate a greater selection. However, he said that he wouldn't travel farther to go to a dollar superstore, because it would lose the convenience of a dollar store.
 4) The fourth person I spoke to was a male graduate student. He is very concerned with price when he is shopping. He said that he would go to a dollar store for cheaper items, but wouldn't need a greater variety if he was just looking for something cheaper.
5) The last person that I spoke to was another female graduate student. She does a lot of shopping, but tries to get the best deals possible. She said that when she shops, she would prefer a large retailer or online shopping. She probably wouldn't go to a dollar superstore, because she doesn't trust the quality of dollar store products.

Inside the Boundary:	Outside the Boundary:
The people in the boundary are people who shop at dollar stores because of the cheaper price. The prototypical customer would prefer more options, but goes to the dollar store to get better deals. Another prototypical customer is someone who goes to larger retailers to get all every item that they need, but are unhappy with the prices. College students and other frugal people could be customers.	The biggest group of people outside of the boundary are online shoppers. It would be difficult to gain customers who don't do any current in-person shopping. Additionally, those who don't believe that dollar store products are high quality would not shop at a dollar superstore. Those who only shop at dollar stores for the convenience would not necessarily shop at a dollar superstore either. Finally, those who are happy with the selection at a regular dollar store might not shop at a dollar superstore.
The need is simply a need for a larger variety of cheap products.	The need is not a need for the convenience of a dollar store. The need is also not the need for higher quality products than those sold at a dollar store.
The need exists, because dollar stores do not keep a large stock or variety of products. Lower priced products are also becoming more popular.	Another explanation for the growing popularity of dollar stores could be the convenience. The dollar superstore wouldn't fill this alternative need, because it would probably be farther away and larger.

Solving the Problem - Dollar Superstore

Opportunity Recap:
In my previous post, I discussed an opportunity. Due to the rise in online shopping, large retailers and department stores are decreasing in popularity. Despite this fact, dollar stores are increasing in popularity, due to their cheaper prices and convenience. However, dollar stores don't typically hold the same variety of products as larger retailers. Due to the lack of variety, customers at dollar stores are sometimes unable to find and purchase the item they are looking for.

Solution:
The solution that I came up with is a dollar superstore. A dollar superstore would sell similar quality products as a dollar store, but with the variety of much larger retailers. By offering a large variety of products more cheaply, a dollar superstore would be able to pull customers from typical large retailers. Additionally, the increased variety of a dollar superstore would pull customers that would typically shop at a smaller dollar store, such as a Dollar General. Therefore, a dollar superstore could appeal to a larger audience than a traditional dollar store.

Opportunity Hypothesis Testing

Opportunity:

Retailers and department stores are declining as the middle class disappears and dollar stores are becoming more popular. Consumers who shop at dollar stores have an unmet need for a wider selection of dollar store priced products.

Who:

Consumers who shop at dollar stores. These are consumers who are attempting to save money, but now have an unmet need for a wider selection. Especially consumers who used to shop at department stores and retailers and are now opting for cheaper dollar stores.

What:

Retailers and department stores are becoming less popular with American consumers and dollar stores are becoming more popular. This creates an unmet need for a wider selection at dollar stores.

Why:

As the middle class disappears, more consumers opt for cheaper dollar stores as a way of saving money.

Hypothesis:

My hypothesis is that the idea of a dollar superstore would draw in more consumers from retailers than regular dollar stores would.

Interview:

"Who" Questions:

1. Q: How often do you shop at dollar stores?
1. A: Not very often.
2. A: Once a month.
3. A: About eight times in the last year.
4. A: Once every couple of months.
5. A:  Never.
2. Q: How often do you shop at retailers or department stores?
1. A: I shop at grocery stores, but beyond that it is very rare I go in the store. I do a lot of online shopping. I don't go to retailers much any more.
2. A: Once every two months.
3. A: About three times in the last year.
4. A: Once every couple of months.
5. A: Once every three months.
3. Q: Do you prefer shopping at dollar stores or retailers and department stores?
1. A: Dollar stores.
2. A: Retailers and department stores.
3. A: Retailers and department stores.
4. A: I prefer dollar stores.
5. A: Retailers and department stores.

"What" Questions:

1. Q: What products do you typically buy at dollar stores?
1. A: I don't really shop that much in stores. Random items. Cheap sunglasses, maybe. Things you need when you're out traveling.
2. A: Reading glasses, batteries, things like that.
3. A: School supplies, headphones, dishes, etc.
4. A: Cheap items that I will need a lot of.
5. A: N/A
2. Q: What products do you typically buy at retailers or department stores?
1. A: Auto maintenance products. Oil, oil filters, that sort of thing.
2. A: Clothing and appliances.
3. A: Clothing, flip flops, etc.
4. A: Quality items that I only need one or two of.
5. A: Impulse buys. Food, clothing, wine, makeup, and cleaning products.
3. Q: Would you shop at a dollar superstore that had a greater variety or dollar store quality products?
1. A: Sure.
2. A: Maybe.
3. A: Maybe, I'm not sure what purpose that would serve.
4. A: Maybe if there was more variety of groceries.
5. A: The low quality makes me hesitant. Maybe, I'm undecided.

"Why" Questions:

1. Q: Why do you shop at the stores that you do?
1. A: Convenience. I don't go to stores often.
2. A: Dollar stores are convenient. Retailers have quality products.
3. A: I go to a department store to get something that's quality and I go to the dollar store to get something that's cheap and will get the job done.
4. A: I can pick up items I need for very cheap prices at dollar stores. I go to retailers if I want items that are an improvement on my current items.
5. A: I shop at retailers and department stores because I am familiar with them.
2. Q: What are the strengths of dollar stores?
1. A: Price and the stuff sold there is pretty good.
2. A: Variety of cheap products. They're convenient.
3. A: Cheap and gets the job done.
4. A: Cheap and convenient. I am often pleasantly surprised at the quality of the products.
5. A: Price.
3. Q: What are the strengths of retailers and department stores?
1. A: Big retailers have everything you'd ever need. Department stores have a nicer atmosphere.
2. A: Variety of quality products.
3. A: High quality products that I can be proud of.
4. A: The products are very high quality and shopping there is a more enjoyable experience.
5. A: Variety and quality.
4. Q: Why would/wouldn't you shop at a dollar superstore?
1. A: More variety of things at a low cost. More likely that they would have what you want.
2. A: I would check it out and see what it is like.
3. A: I would shop there for something that I needed, but isn't important for me.
4. A: I would go there if there were a bunch of items I had to pick up.
5. A: The merchandise has a lower quality vibe to it a lot of the time.

What I learned:

People were more hesitant about the dollar superstore idea than I expected. Most of the people I talked to go to retail stores because of the quality, not the variety. Additionally, most of the people I spoke to did their shopping online. To get a better picture of how successful this opportunity would be, I would have to interview more lower income people and families. In general, a dollar superstore probably wouldn't pull a lot of upper-middle class consumers from retailers.

Economic & Regulatory Opportunities

Economic Opportunities

Opportunity #1: Dollar Superstore

• The opportunity that I developed is a large scale dollar superstore that has a wider selection and supply than your typical dollar store.
• As the United States' middle class disappears, traditional retail stores are being killed. As the American upper class increases, online shopping increases. Meanwhile, the growing lower class has led to an increase in dollar store popularity.
• I read about how the disappearing middle class effects dollar stores in an article on Quartz. (https://qz.com/1120552/the-retail-apocalypse-isnt-just-amazon-its-that-the-middle-class-is-disappearing/)
• The prototypical customer for a dollar superstore is a lower class or lower-middle class American who prefers shopping at a dollar store to save money, but would prefer a wider selection.
• This opportunity would be very difficult to break into, because it would be difficult to establish the infrastructure for such a large operation. The opportunity is most available to the largest dollar stores, such as Dollar General and Dollar Tree.
• As a college student, I have been doing more and more shopping at dollar stores in order to save money. That is why I was able to think of this opportunity.

Opportunity #2: Subscription-Based Delivery Restaurant

• The opportunity that I have developed is for a restaurant that delivers pre-made, fresh meals to customers on a subscription basis. A menu would be released for each week, and customers could text or input online their orders for the week.
• As online ordering and shopping becomes more and more popular with millennials, more online-based delivery opportunities are created. 
• I read that home food delivery is becoming more popular on an article by CNBC. (https://www.cnbc.com/2017/07/12/home-food-delivery-is-surging-thanks-to-ease-of-online-ordering-new-study-shows.html)
• The prototypical customers are millennials who prefer to operate online and people who are too busy with school or work to prepare meals or go out the eat.
• This opportunity seems moderately difficult to break into, as there are some fixed costs, but production can be scaled up later as the customer base increases.
• When I am swamped with work, I sometimes miss meals or just eat snacks, because I don't have enough time to prepare a meal or go out. This is what gave me the idea for a subscription-based, fresh meal delivery service.

Regulatory Opportunities:

Opportunity #3: Online Non-Gun Hunting Equipment Retailer

• The opportunity I have developed is an online hunting equipment retailer that specializes in hunting products that are alternatives to guns. These products include crossbows, throwing knives, bows and arrows, traps, and other similar products.
• As gun-control legislation is becoming more popular, the likelihood of guns being banned or heavily regulated is increasing. Therefore, there may soon be an increased need for gun-alternatives for hunting.
• I have heard about increased support for gun control in the news recently, due to the recent mass shootings.
• The prototypical customer is a hunting enthusiast who will need hunting alternatives and gun control gains more support.
• The opportunity seems moderately difficult to break into, as supplier relationships need to be developed, but no brick and mortar retailer needs to be built.
• I had this idea when I was talking to somebody I know who enjoys hunting and doesn't support gun control.

Opportunity #4: 100% Automated Fast Food Restaurant

• The opportunity that I cam up with is a completely automated fast food restaurant. This restaurant would operate similarly to a vending machine. The customer would choose between a few meal options that are prepared similarly, pay, and then be cooked a fast food type meal, such as a burger or grilled chicken sandwich.
• As many people begin to call for a higher minimum wage, typical fast food restaurants will be hampered by higher wage costs. This will in turn hurt personal service and create a need for automated meal service. Therefore, there is an opportunity for a 100% automated fast food service.
• I read on the NCSL website that eleven states introduced legislature to raise their minimum wage past cost of living increases for 2018. (http://www.ncsl.org/research/labor-and-employment/state-minimum-wage-chart.aspx)
• The prototypical customer is someone who is looking for convenient, cheap and good-tasting food. A completely automated fast food restaurant could provide food more cheaply than a competitor that has to pay high wage costs.
• The opportunity seems difficult to break into, because of the high research and development and infrastructure costs that would be necessary.
• I had this idea when California approved a $15 minimum wage. When I heard about the increase, I begun thinking about how that would impact the fast food industry.

Opportunity Identification

Manufacturers fear higher rates from a JEA sale

http://go.galegroup.com.lp.hscl.ufl.edu/ps/retrieve.do?tabID=T004&resultListType=RESULT_LIST&searchResultsType=SingleTab&searchType=AdvancedSearchForm&currentPosition=16&docId=GALE%7CA529437734&docType=Brief+article&sort=Relevance&contentSegment=&prodId=GRGM&contentSet=GALE%7CA529437734&searchId=R2&userGroupName=gain40375&inPS=true

The article discusses the potential sale of JEA in Jacksonville, Florida. Many people are concerned that with the sale of JEA, electric rates will rise. If electric rates rose significantly, many small businesses would be unable to afford the higher rates. Manufacturing growth could be halted by the increased electricity costs. However, if the Florida Public Sercive Commision regulated rates after the sale, the new private owner of JEA would be unable to increase rates for 5 to 10 years. 

The problem presented in this article is the potential electric rates increase caused by the sale of JEA to a private owner. The electric rate increase could be harmful to businesses and manufacturing. 

The prinary victims of this problem would be small businesses and manufacturers. Small businesses would be unable to afford higher electric rates, and manufacturing growth would be severely diminished if higher electric rates were present. 

That notice about a package you didn't order? It's a scam

http://go.galegroup.com.lp.hscl.ufl.edu/ps/retrieve.do?tabID=T004&resultListType=RESULT_LIST&searchResultsType=SingleTab&searchType=AdvancedSearchForm&currentPosition=9&docId=GALE%7CA529075478&docType=Article&sort=Relevance&contentSegment=&prodId=GRGM&contentSet=GALE%7CA529075478&searchId=R2&userGroupName=gain40375&inPS=true

This article discusses the recent rise in package delivery email scams. The article begins with an anecdote about someone who correctly identified that the email expressing a problem with the delivery of their package as a scam. The article goes on to discuss that the increase in online shopping has caused an increase in email scams that discuss “delivery problems.” Finally, the article gives tips on how to avoid these scams. 

The problem is that the recent increase in online shopping has created an opportunity for more online scams. These fraudulent emails have people log on to solve a “delivery problem,” but then steal the victims’ information or install malware. 

The primary people who have this problem are online shoppers who are not careful with which emails they believe to be legitimate.

Defensive struggles? Driscoll says it starts on other end for UNF

http://go.galegroup.com.lp.hscl.ufl.edu/ps/retrieve.do?tabID=T004&resultListType=RESULT_LIST&searchResultsType=SingleTab&searchType=AdvancedSearchForm&currentPosition=16&docId=GALE%7CA529284536&docType=Article&sort=Relevance&contentSegment=&prodId=GRGM&contentSet=GALE%7CA529284536&searchId=R1&userGroupName=gain40375&inPS=true

This article is about the defensive troubles that UNF’s basketball team has faced. The article begins with UNF’s narrow victory over NJIT. While UNF won the game, they gave up 21 points off of 17 turnovers. These very poor numbers are caused by UNF’s sloppy offensive play. By giving the ball away on offense, UNF is giving its opposition too many chances to score on counter-attacks. UNF couldn’t afford to give up that many turnovers against FGCU and have any hope of winning.

The problem is that UNF’s sloppy offensive play is causing them to concede too many turnovers. Therefore, there defensive problems are caused by mistakes made when in possession of the ball. 

This is a problem for the players, the coaching staff, and the fans of UNF’s Men’s basketball team. 

Resource officer funds uncertain; By Lloyd Dunkelberger
http://bi.galegroup.com.lp.hscl.ufl.edu/essentials/article/GALE|A532556699/24f4c2adca1a69314d325bb42ac77f59?u=gain40375

The article discussed the nature of the new budget increase for schools. After the recent shooting at Marjory Stoneman Douglas High School, many initiatives aimed at student safety were developed. While the budget increase covers much of the cost of these initiatives, it might not be enough to ensure that an armed resource officer will be at each school in Florida. Additionally, with the majority of the recent budget increase being used on school safety, Florida schools will have to make cuts in other operational activities.

The problem is that there is not enough money to support all of the new safety initiatives and all current school operational expenses, even with the recent budget increase.

This is a problem for the students, school staff, and families of the students in Florida.

Troubles make Tesla shares plunge; By Dana Hull
http://bi.galegroup.com.lp.hscl.ufl.edu/essentials/article/GALE|A532556705/24f4c2adca1a69314d325bb42ac77f59?u=gain40375

According to the article, Tesla stock prices are dropping as the company's financial position becomes more bleak. Tesla has recently fallen short of production goals, and an investigation into a fatal accident involving a self-driving car has made matters worse. The decreasing stock price will make it harder for Tesla to raise more capital, which will further threaten Tesla's liquidity. Tesla is expected to produce 975 cars per week, far short of their goal of 2,500.

The problem is that Tesla doesn't have the money to support their production goals. This is causing investors to lose confidence in the company.

This is a problem for all Tesla stakeholders, including the board of directors, employees, customers, and stockholders.