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It is very difficult for the suppliers to sustain in the market because if they increase their price the company may change supplier who supply raw materials comparatively low price compare to existing one and industry is not key customer group to the supplier. Brand image, role of quality, service of supplier is not considered by the industry. Bargaining power of buyer is high because main buyers are generally government and the companies that is monophony and companies cannot go against them and they can only sell the product to government the other side of the buyer are consumers who's buying power is also high because of substitute available in markets and brand loyalty is low in consumers. Threat of substitutes is high in this industries, there are many substitute products in market like generics, branded generics, biopharmaceuticals as they are very cheap compare to the branded drugs as discussed earlier that branded drugs will consider only when generic drugs fails. And import of drugs from china and India which are produce very cheaply compare to local producers. Competitive rivalry is high in this sector because advantage gained by the first mover advantages patent. As market is getting saturating companies are going global which means world wide launches, global branding and heavy investment in promotion as shorter product life cycle and to gain competitive advantage. In spite of taking care during launching the industry is still faces tough time from generic drugs and not only this merges and acquisitions as one of the major cause for competitive rivalry. "Swot analysis provide information that is helpful in matching firm resources and capabilities to the competitive environment in which it operates. "QUICKMBA: 2007Pest analysis looks at the external environment and good tool to understand big picture of the environment in which business operates. And it will allow companies to take opportunities and reduces threat of a company which they are facing.

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3% to 7. 6% for Grad PLUS and 5. 3 to 6. 6% on my unsubsidized loans. I calculated that I have earned $5k in interest alone over the last 2 years alone so it will only snowball from there. Our tuition has also risen from $51k to $55k in the last 2 years since I have started. It is insane how these are growing so much faster than the rate of inflation and yet there have been no improvements or changes to our school to cause such a change. Thankfully my husband and I budget all our expenses off his $28k salary so we do not have to take out living expenses. I know most of my classmates who spend more than that on themselves alone so I would really recommend some financial awareness and money management classes to all students who are considering going to medical school to minimize loans as much as possible. I cannot even imagine where tuition and student loan interest rates will be in 10 years. Thank you for the post on a relevant topic.

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As both independent and government regulation had a hand in or at least not resolving these two features it is very interesting to me how CMA expressed its professional cricitcism toward the energy regulator OFGEM and the Department of Energy and Climate Change DECC on these issues and proposed remedies to direct them to changing their processes. In a competitive tariff setting producers and consumers pay charges according to the incremental cost they impose on the system. However, since long some transmission network costs are allocated to consumers and producers in a way that does not take into account their geographical location that is also an indicator for network loss and congestion costs. By charging the average cost the tariff regime creates a cross subsidization effect between consumers and producers at different locations. This leads to a distorted price signal that will most likely result in inefficient short term and long term decisions by consumers and producers. CMAs example: Relatively cheap generators in Scotland cannot always sell their output to England because of internal transmission constraints, and for customers in England the losses due to being supplied from Scotland are higher than would be with local generation. By charging an average tariff instead on one differring according to location, the benefit of generating in England or consuming in Scotland cannot materialize and leads to more generation in Scotland and more consumption in England and to higher costs due to internal transmission and physical losses. Also, new investment in generation cannot be incentivized to move to England rather than Scotland. The case of locational pricing has been discussed in the industry for long now and got very close to being implemented but in the end OFGEM decided in 2011 not to introduce any change. CMA found it difficult to reconcile Ofgems decision with the evidence and analysis it commissioned and summarised in its impact assessment as Ofgem noted that the proposal would help create a better level playing field for generators and that distributional impacts might be justified by the longer term benefit from a more efficient, cost reflective market. CMA actually ordered the electricity TSO licenseholder National Grid to go ahead and propose once again the proposal that OFGEM declined in 2011 and recommended OFGEM to this time going ahead with the change regarding locational transmission loss pricing.