The Acquisition Strategy Of Bankinter Marketing Essay

The Acquisition Strategy Of Bankinter Marketing Essay Bankinter is a small independent national bank, positioning itself as an innovative, multichannel, low-cost financial services provider. The bank uses various customer acquisition networks and distribution channels (brick-and-mortar branch, virtual banking and agents, telephone, internet). The firm realized that the Internet is a low-cost channel suitable for a smaller bank like itself, and launched its online site, e-bankinter.com in 1997, which ranked as the best online financial site in Spain. The Internet branch of the bank is called Branch 8700. In 2001, the Internet was the main source of entry of new consumers, so it was important part of the customer acquisition strategy of the firm. The Internet acquisition strategy of Bankinter was based on three channels: alliances, e-collaborators and 8700. I prepared a table to describe the advantages and disadvantages of the alliances and e-collaborators acquisition strategies. As from the table can be seen, the e-collaborator strategy was much more efficient in terms of acquiring new customers and it resulted in lower acquisition costs, so Bankinter decided to terminate the alliances with the portals and focused on e-collaborators. Alliances E-collaborators Pros High trafficked portals Co-branding High traffic sites Difficult to copy by competitors (customer-based CRM-system) Lower acquisition costs Higher number of new customers Cons Co-branding (brand was hidden, adaptation) High costs: Replication of systems Creation and maintenance costs Customer acquisition costs (promotion, advertising, fee/each customer acquired) Up-front annual fee Ease to copy by competitors Sites regardless of content No targeting High number of nonformalized customers Number of new customers/year 2000: ~5,000 clients 2001: 2,096 clients 2001: 43,433 clients 1st table: Pros and cons of the different Internet acquisition strategies of Bankinter The following table shows the performance of the three online channels in terms of new customers. The Branch 8700 acquires the most customers, followed by e-collaborators and alliances. The nonformalization rate is the highest in case of e-collaborators (76%, 33,003 clients). The acquisition rate is not only the highest in case of 8700 but this option has the lowest nonformalization rate (47%), as well. 8700 Alliances E-collaborators Total clients 68,175 2,096 43,433 Formalized clients (active) 35,859 1,015 10,430 Nonformalized clients 32,316 1,081 33,003 2nd table: Customer acquisition rate of the different acquisition strategies and channels at Bankinter 2) Which channel (8700, alliances, e-collaborators) performs better for the bank, and why? To analyze the performance of the three online channels, I computed the customer lifetime value for each channel. The excel tables containing the detailed analysis can be found in the Appendix. Due to the lack of information on interest rates, I used a 10 % interest rate in all scenarios to make the calculations transparent and the results easily comparable. I used two decimals at the calculations, except for the retention rates, where I used rounded numbers. When calculating the retention rates I used the first years retention rate as a base to calculate each years retention rate. I assumed a short-term and long-term period to show the results: 5 years and 10 years period also because at some scenarios the expected years in bank exceeds the 5 years period. By adding the first five years discounted values (including year 0 with the acquisition cost), or by adding the first ten years discounted values we arrive at the customer lifetime value. Based on the customer lifetime value, the 8700 is the best performing channel, because in this case the profitable clients have the highest customer lifetime value among the three scenarios. However, the customer lifetime value of the nonprofitable clients is also the highest in case of 8700, which means the highest costs. As there are only slight differences among the customer lifetime values of the nonprofitable clients of the three channels, it is less important. I mentioned in the previous part that the rate of the nonformalized and formalized customers is the best in case of 8700 (47% to 53%). Based on these calculations the 8700 is the best performing channel. E-collaborators is the second best option, as it has the second biggest customer lifetime value in case of profitable clients. 3) What (acquisition) strategy would you recommend to Bankinter? What actions should be taken by Ana Peralta? Bankinter is a multichannel bank known as the leader in online banking in its respective country. As both the traditional brick-and-mortar and online channels are essential for the bank, it should keep both focusing on the Internet branch. The brick-and-mortar channel still plays an important part, because of customer loyalty and cross-selling opportunities, as well as the high number of branch transactions (36% Exhibit 5). However, Bankinter could persuade customers to reduce the branch transactions and use Internet banking instead; it would result in lower transaction costs for the bank. Focusing on the Internet branch is also important because in 2001 it is the main source of entry, which means that it is an acquisition strategy of great relevance. Moreover, the Internet marketing campaign of the bank was successful, as the acquisition costs dropped and the number of new customers increased exponentially. I would suggest continuing the campaign, however changing some elements. Bankinter should focus on 8700 customers as their customer lifetime value is the highest. Among 8700 customers e-brokers and e-mortgage customers are the most valuable; Bankinter could try cross-selling to them. As for the other customers, finding new ways through introducing new services and attractive packages can help them turn into profitable clients. Drop alliances (as Bankinter did), and use e-collaborators instead. The problem with e-collaborators is the high number of nonformalized customers and the fact that the rate of the new customer acquisition strategy was correlated to the amount of incentives offered. By using the CRM system of the bank, it can recognize which marketing segments are the most valuable, and it enables the bank to use targeting. By using targeting in the e-collaborators channel Bankinter can attract more valuable customers. Finding the appropriate target groups also reduces the drawback of incentives. Bankinter should also find out what factors are behind the high number of nonformalization by conducting surveys, analyzing information on the nonformalized customers and the process itself. This way, they can introduce new services or alter their registration process.

The Return: Midnight Chapter 42

â€Å"It's not a problem,†the fair ruler, Ryannen, said unexpectedly. â€Å"We can make it so that your Mr. Tanner repel ed an apparent vampire attack and the school cal ed in Alaric Saltzman to take his place and investigate. All right, Idola?† – to the redhead, and to the dark one – â€Å"All right, Susurre?† Elena wasn't All right. Despite the example she'd just had of turn-on-a-dime plotting and scheming, she was scarcely listening. Al she knew was that her voice had gone husky and that tears blurred her eyes. â€Å"And†¦for the Master Key – I want – â€Å" Stefan squeezed her hand. Elena suddenly realized that they were al standing, al three of them, beside her. And the look on every face was the same. Dead resolve. â€Å"I want Damon back.†Elena hadn't heard quite this note in her voice since the day she'd been told both her parents had died. If there had been a table, she would have put her clenched fists on it and did her best to loom over the women. As it was, she simply leaned toward them, speaking in a low and grating voice. â€Å"If you do that – bring him back, exactly as he was before he walked into the Gatehouse – then you get the Master Key and the treasures. You say no – and you lose everything. Everything. This is non-negotiable, get it?† She kept staring into Idola's green eyes. She refused to see dark Susurre drop her forehead onto three fingertips and begin to rub it in smal circles. She wouldn't give a glance to blond Ryannen, who was looking at her steadily, having gone into people-management mode. She stared directly into those green eyes under their wil ful eyebrows. Idola gave a little huff and shook her gorgeous head. â€Å"Look, someone clearly has screwed up in preparing you for this interview.†A glance at Susurre. â€Å"The other things you've asked for – al together, it forms a very heavy ransom. Do you understand that? Do you understand that it involves changing the memories of al the people for miles around your town, and changing them for every day of ten months? That it means changing everything in print about Fel ‘s Church – and that there is a lot in print – not to mention other media outlets? It means begging for three human spirits and weaving flesh around them again. I'm not sure we even have the personnel for this – â€Å" Blond Ryannen put a hand on the redhead's arm. â€Å"We have it. Susurre's women have little to do in the Nether World. I can lend you perhaps thirty percent of mine – after al , we're going to have to send up a petition to a higher Court for those spirits – â€Å" Idola the redhead interrupted. â€Å"All right. What I was saying is that we might just be able to manage – if you throw in the Key. However, your vampire companion – we can't give life back to the lifeless. We can't work with vampires. Once they're gone – they're gone.† â€Å"That's what you tell us!†Stefan cried, trying to get in front of Elena. â€Å"But why are we so particularly damned, of al creatures? How do you know it's impossible? Have you ever even tried? â€Å" Red-haired Idola was making a disgusted gesture, when Bonnie interrupted, her voice shaking. â€Å"It's ridiculous! You can rebuild a town, you can kil the person who's real y behind al Shinichi and Misao did, but you can't bring one little vampire back? You brought Elena back!† â€Å"Elena's death as a vampire al owed her to become the Guardian she was original y meant to be. As for the person who gave orders to Shinichi and Misao: It was Inari Saitou – Obaasan Saitou, as you knew her – and she is already dead, thanks to your friends in Fel ‘s Church, who weakened her – and to you, who destroyed her star bal .† â€Å"Inari? You mean Isobel's grandma? You're saying it was her star bal in the Great Tree's trunk? That's impossible!†Bonnie cried. â€Å"No, it's not. It's the truth,†blond Ryannen said simply. â€Å"And she's dead now?† â€Å"After a long battle which nearly kil ed your friends. Yes – but what actual y killed her was having her star bal destroyed.† â€Å"So,†dark Susurre said quietly, â€Å"if you fol ow the curve†¦in a way your Damon did die to save Fel ‘s Church from another massacre like the one on that Japanese island. He kept saying that was what he'd come to the Nether World to do. Do you not think he would be†¦satisfied? At peace?† â€Å"At peace?†Stefan spat bitterly, and Sage growled. â€Å"Woman,†he said, â€Å"you obviously have never met Damon Salvatore before.†The tone in his voice – more resonant, more threatening somehow – made Elena final y break off her staredown with the red-haired Idola. She turned and looked – – and saw the enormous room fil ed with Sage's out-spread wings. They weren't like any of her ephemeral Wings Powers. They were clearly part of Sage. They were velvety and reptilian, and, unfurled like this, they stretched from distant wal to wal , and touched the grand, golden ceiling. They also demonstrated why Sage didn't usual y wear shirts. He was beautiful this way, bronze skin and hair against those giant, leathery soft-looking arches. But Elena, after one look at him, knew that the time had come to play the ace up her sleeve. She turned around to meet Idola's green gaze squarely. â€Å"Al this time we've been bargaining for a Gatehouse ful of treasures,†she said, â€Å"and – one Master Key.† â€Å"A Master Key, stolen by the kitsune ages upon ages ago,†Susurre explained quietly, lifting her dark eyes. â€Å"And you've said that it's not enough for you to bring Damon back.†Elena forced her voice not to waver. â€Å"Not even if it were your only request.†Ryannen tossed a golden lock of hair over her shoulder. â€Å"So you say. But†¦what if I throw into the pot†¦another Master Key?† There was a pause, and Elena's heart began to pound in sick terror. Because it was the wrong kind of pause. There were no shocked gasps. No astonished glances from one Guardian ruler to another. No looks of disbelief. After another moment Idola said smugly, â€Å"If you mean the other stolen key that your friends had on Earth – it was confiscated as soon as they hid it. It was stolen property. It belonged to us.† She's been here too long, in the Dark Dimensions, Elena thought with one part of her mind. She's enjoying herself. Idola leaned toward her, as if to confirm Elena's guess. â€Å"It – simply – is not – possible,†she said emphatical y. â€Å"Real y, it isn't,†the fair Ryannen added briskly. â€Å"We don't know what happens to vampires. But they don't pass through our purview. We never see them after death. The simplest explanation is that they just – go out.†She snapped her fingers. â€Å"I don't believe that!† Elena was aware that her voice had risen in volume. â€Å"I don't believe that for one moment!† Voices, not attached to anyone in particular, burst into a clamor of argument around Elena, forming a sort of poem: Not possible. It's simply not possible! ( But please†¦) No! Damon is gone, and to ask where is like asking where a candle flame goes when it's blown out. ( But shouldn't you try to bring him back, at the least? ) Whatever has happened to gratitude? You four should be grateful that the other things you asked for can be done. ( But in exchange for both Master Keys – ) No Power we can command could bring Damon back! Elena must try to reconcile herself to reality. She has been pampered too much already! ( But what harm can it do to try again? ) All right! If you must know, Susurre has already forced us to try. And nothing came of it! Damon†¦is†¦gone! His spirit was nowhere to be found in the ether! That is what happens to vampires, and everyone knows it! Elena found herself looking down at her own hands, which were very clean but with broken nails and every knuckle bleeding. The outside world had become unreal again. She was inside herself, struggling with her grief, struggling with the knowledge that Idola, the central ruler of Guardians, hadn't even mentioned before that they had looked for Damon's spirit. And that it was†¦gone. Suddenly, the room was pressing in on her. There wasn't enough air. There were only these women: these powerful, magical Guardian women; who Stilldid not have enough power or magic to save Damon – or at least didn't even care enough to try twice. She wasn't sure what was happening to her. Her throat felt puffed out, her chest was both huge and tight. Each heartbeat sounded through her as if trying to shake her to death. To death. In her mind's eye, she saw a hand hold up a glass of Clarion Loess Black Magic. And then, Elena knew that she had to stand a certain way, and hold her arms a certain way, and whisper certain words in her own mind. But the last, the naming of the spel , had only to be said aloud at the end. At the end – when things slowed. When green-eyed Idola – what a perfect name for someone who idolized herself, Elena thought – and fair businesslike Ryannen and nurturing Susurre – al stared at her with open mouths, too shocked to move even a finger as, quietly and calmly, Elena said, â€Å"Wings of Destruction – â€Å" It was a soldier, just an ordinary one of the rank and file, one of the dark women, who stopped it. She leaped up onto the dais, and, with inhuman speed, slapped her hand over Elena's mouth, so that the final syl able was a mumble, and the golden, green, and blue hal did not explode into fragments with hot metal running in rivulets like lava, and the flower-fountain did not vaporize, and the stained-glass windows didn't shatter into atoms. Then there were more arms around Elena, holding her down, scarcely letting her breathe, even when she went limp for lack of air. Elena fought like an animal, with her teeth and nails, to escape. But she eventual y was completely restrained, pinned to the floor. She could hear Sage's deep voice raging and Stefan, in between desperate telepathic bursts to her, pleading and explaining, â€Å"She's Stillnot in reality! She doesn't even know what she's doing!† But louder, she could hear the voices of the Guardians. â€Å"She would have kil ed us al !†Ã¢â‚¬ Those Wings – I've never seen anything so deadly!†Ã¢â‚¬ A human! And with just three words, she could have wiped us out!†Ã¢â‚¬ If Lenea hadn't tackled her – â€Å"†Or if she had been another few feet away – â€Å"†She destroyed a moon, you know! No life on it at allnow, and ashes Stillfal ing from the sky!†Ã¢â‚¬ That isn't the point. The point is that she shouldn't have Wings powers at all. She's got to be clipped of them.†Ã¢â‚¬ That's right – clip her Wings! Do it! â€Å" Elena recognized Ryannen's and Idola's voices at the end there. She was Stilltrying to fight, but they held her so tightly and piled on her so ruthlessly that it had become a fight simply to get air and al she did was exhaust herself. And then they clipped her Wings. It was quick, at least, and Elena felt very little. What hurt most was her heart. Some proud, stubborn streak had been brought out with the fighting, and now she was ashamed to feel each pair cut off. First went Wings of Redemption, those great rainbow-hued arches. Then Wings of Purification, white and iridescent as frosted cobwebs. Wings of the Wind, like honey-colored thistledown. Wings of Remembrance, soft violet and midnight blue. And then Wings of Protection – emerald green and gold, the Wings that had saved her friends from Bloddeuwedd's frenzied attack on them the first time they had entered the Dark Dimensions. And, final y, Wings of Destruction – high, ebony arches with edges as delicate as black lace. Elena tried to keep silent as each power was taken. But after the first one or two had fal en at her sides, in shadows that perhaps only she could see, she heard a smal gasp, and realized that it was her own voice. And with the next cut, an involuntary little cry. For a moment there was silence. And then suddenly there was overwhelming noise. Elena could hear Bonnie keening and Sage roaring, and Stefan, gentle Stefan, shouting blasphemies and curses at the Guardians. Elena guessed from the stifled sound of his voice that he was fighting them, fighting to get to her. He reached her, somehow, just as the deadly, delicate Wings of Destruction were sheared from her shoulders and mind, and fel like tal shadows to the ground. It was good that he did reach her then, because at last, when Elena was the least dangerous she had been since the Powers of Wings had begun awakening in her, suddenly the Guardians seemed afraid. They stepped back from her, these strong and dangerous women, and only Stefan was there to catch her and hold her in his arms. Stunned, dazed, she was an eighteen-year-old girl who was ordinary. Except for her blood. They wanted to rob her of her blood as well†¦to â€Å"purify†it. The three rulers and their attendants had already gathered in a determined, multihued triangle around her and were working their magic when Sage bel owed, â€Å"Stop!† Elena, drooping over Stefan's shoulder, could see him vaguely, his velvety black wings Stillspread from wal to wal , Stilltouching the golden ceiling. Bonnie clung to him like a bit of stray dandelion fluff. â€Å"You have already diminished her aura to almost nothing,†he growled. â€Å"If you ‘purify'the blood of this pauvre petite completely, she wil die – and then she wil awaken. You wil have created un vampire, Mesdames. Is that what you wish?† Susurre reeled back. For the ruler of such a harsh and unyielding realm, she seemed almost too gentle – but not too soft to shear off my Wings, Elena thought, wriggling her shoulders to ease them. Maybe she didn't know how much it would hurt, another part of her mind offered vaguely. Then al her mind came together in an emergency meeting. Something warm and cooling was sliding down the back of her neck, in tiny droplets. Not blood. No, this was infinitely more precious than what the Guardians had taken away. Stefan's tears. She rocked hard, trying to take her own weight on her feet. Somehow, shakily, she managed it. She only realized just how shaky she was when she tried to lift a hand and wipe the tears off Stefan's cheeks with her thumb. Her whole hand wobbled as if she were making a childish joke. Her thumb struck his cheek with enough force to make anyone else wince. She looked at him with dumb apology, too shocked to try to speak. Stefan was speaking. Over and over. â€Å"It doesn't matter,†he was saying. â€Å"It's All right, love. Oh, lovely love, it wil be All right.†He wiped her eyes with a hand that was rock steady, and al the time he was looking only at her, and – she knew – thinking only of her. She knew that because she also knew the moment when it changed. Red hair was in her line of sight, blurred through new tears. Red hair and narrow green eyes, too close to her. That was when Elena felt Stefan remember that there was anything other than Elena in the world. His face changed. He didn't snarl or stick out his chin. The change was an entire alteration, but it centered around his eyes, which became deadly hard while everything else became sharp and fierce. â€Å"If you touch her again, you vicious bitch, I wil rip out your throat,†Stefan said, and each word was like a chip of ice-cold iron dropped onto the floor. Elena's tears stopped with the shock of it. Stefan didn't talk that way to women. Even Damon didn't – hadn't. But the words were Stillechoing in the sudden silence of the cathedral-like room. People were backing away. Idola was backing away too, but her lip was curled. â€Å"Do you think that because we are Guardians that we cannot harm you – ?†she was beginning, when Stefan's voice cut through hers cleanly. â€Å"I think that because you are ‘Guardians'you can kil sanctimoniously and get away with it,†Stefan said, and his lip made a far more compel ing – and frightening – line of scorn than Idola's had. â€Å"You would have kil ed Elena if Sage hadn't stopped you. Damn you,†he added softly, but with such utter conviction that Idola took another step backward. â€Å"Yes, you'd better ral y al your little friends around,†he added. â€Å"I might just decide to kil you anyway. I kil ed my own brother, as I'm sure you realize.† â€Å"But surely – that was only after taking a mortal blow yourself.†Susurre was between the two of them, trying to intercede. Stefan shrugged. He looked at her with the same contempt as he had the other ruler. â€Å"I Stillhad the use of my arm,†he said deliberately. â€Å"I could have decided to drop my sword, or to merely wound him. Instead I chose to put a blade straight through his heart.†He showed his teeth in a distinctly unfriendly smile. â€Å"And now I don't even need a weapon.† â€Å"Stefan,†Elena managed at last to whisper. â€Å"I know. She's weaker than I am and you don't want to see me kil her. That's why she's Stillalive, love. It's the only reason.†As Elena lifted half-frightened eyes to him, Stefan added in a voice only she could hear, Of course, there are some things about me you don't know, Elena. Things I'd hoped you'd never have to see. Knowing you – loving you – made me almost forget about them. Stefan's voice in her head woke something inside Elena. She lifted her head and looked at the blurry mass of Guardians around them. She saw strawberry-blond curls suspended in midair. Bonnie. Bonnie fighting. Doing it weakly, but only because a pair of the fair Guardians and another pair of dark ones were holding her in the air, one to each limb. As Elena stared at her she seemed to regain energy and fought harder. And Elena could hear†¦ something. It was faint and far away, but it almost sounded like†¦her name. Like her name spoken by whispering branches or the whirring of passing bicycle wheels. lay†¦nah†¦eee†¦lay†¦ Elena reached inwardly for the sound. She tried desperately to grasp whatever came after, but nothing happened. She tried a trick she would have found easy yesterday – channeling Power to the center of her telepathy. It didn't work. She tried her telepathy. Bonnie! Can you hear me? There wasn't even the slightest change in the smal er girl's expression. Elena had lost her link to Bonnie. She watched as Bonnie realized the same thing, watched the fight go out of the smal body. Bonnie's face, upturned in blank despair, was indescribably sad, and somehow indescribably pure and beautiful, al at once. That will never happen to us, Stefan's voice in her mind told her fiercely. Never! I give you my – No! Elena thought back, superstitiously terrified of a jinx. If Stefan swore, something might happen – she might have to become a vampire or a spirit – to ensure that he didn't break his word. He stopped, and Elena knew that he had heard her. And somehow this knowledge, that Stefan had heard a single word from her, Stilled her. She knew he wasn't spying. He'd heard because she'd sent the thought to him. She wasn't alone. She might be ordinary again; they might have taken her wings and most of the Power of her blood, but she wasn't alone. She leaned toward him, her forehead against Stefan's chin. â€Å"No one is alone.† She'd told Damon that. Damon Salvatore, a being who no longer existed. But who Stillcal ed forth from her one more word, one final cry. His name. Damon! He'd died four dimensions away. But she could feel Stefan backing her, amplifying her transmission, sending it like one last beacon through the multitude of worlds that separated them from his cold and lifeless body. Damon! There wasn't the slightest glimmer of an answer. Of course not. Elena was making a fool of herself. Suddenly something stronger than grief, stronger than self-pity, even stronger than guilt, took hold of her. Damon wouldn't have wanted her to be carried out of this hal – even by Stefan. Especial y by Stefan. He would have wanted her to show no sign of weakness to these women who'd shorn her and humiliated her. Yes. That was Stefan. Her love, but not her lover, wil ing to love her chastely from now until the end of her days†¦. The end†¦of her days? Elena was suddenly glad that she couldn't project to strangers telepathical y and that Stefan had set shields around them when he'd taken her into his arms. She turned to Ryannen, who was watching†¦warily, but Stillwith business in her eyes. â€Å"I'd like to go now, if you don't mind,†she said, picking up her backpack and slinging it over her shoulder with a gesture as arrogant as she could make it. There was a bolt of agony as the weight of the strap hit the place from which most of her wings had sprung, but she kept her face contemptuous and indifferent. Bonnie, back on the ground since she wasn't fighting any longer, fol owed Elena's lead. Stefan had left his backpack in the Gatehouse, but he gently cupped a hand around Elena's elbow, not guiding her, but showing that he was there for her. Sage's wings folded back into themselves and were gone. â€Å"You understand that for the return of these treasures which are ours by right – but which we were barred from retrieving – you wil be granted your requests with the exception of the imposs – â€Å" â€Å"I understand,†Elena said flatly, just as Stefan said, much more brusquely, â€Å"She understands. Just do it, wil you?† â€Å"It is already being organized.†Ryannen's eyes, dark blue splashed with gold, met Elena's with a look not entirely unsympathetic. â€Å"The best thing,†Sussure added hastily, â€Å"would be for us to put you to sleep and send you to your – your old, new dwellings. By the time you awaken, al wil have been accomplished.† Elena forced her face not to change. â€Å"Send me to Maple Street?†she asked, looking at Ryannen. â€Å"Aunt Judith's house?† â€Å"In your sleep, yes.† â€Å"I don't want to be asleep.†Elena moved even closer to Stefan. â€Å"Don't let them put me to sleep!† â€Å"No one's going to do anything to you that you don't want,†Stefan said, and his voice was like the edge of a razor. Sage rumbled his support, and Bonnie stared at the fair woman hard. Ryannen bowed her head. Elena woke up. It was dark, and she'd been asleep. She couldn't remember exactly how she'd fal en asleep, but she knew she wasn't on the palanquin, and she knew she wasn't in a sleeping bag. Stefan? Bonnie? Damon? she thought automatical y, but there was something odd about her telepathy. It felt almost as if it were confined to her own head. Was she in Stefan's room? It must be pitch-black outside, since she couldn't even see the outline of the trapdoor that led to the widow's walk. â€Å"Stefan?†she whispered, while various bits of information pooled in her mind. There was a smel , at once familiar and unfamiliar. She was lying on a comfortable double bed, not one of Lady Ulma's silken-and-velvet extravaganzas, but not any lumpy featherbed from the boardinghouse, either. Was she in a hotel? As these various thoughts came together in her brain, there was a soft quick rapping. Knuckles on glass. Elena's body took over. She tossed off the bedspread and ran to the window, mysteriously avoiding obstacles without thinking about them at all. Her hands wrenched aside curtains that she somehow knew were there and her skyrocketing heart brought a name to her lips. â€Å"Da – !† And then the world stopped and did its slowest somersault of al . The sight of a face, fierce and concerned and loving and yet strangely frustrated, just on the other side of the second-story window, brought Elena's memories back. Al of them. Fel ‘s Church was saved. And Damon was dead. Her head bent slowly until her forehead touched the cool pane of glass.

Fraud, Deceptions, and Downright Lies About College Essay Examples Exposed

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