There is no ambiguity in the objective of the concrete plan. For example, business sales managers intend to increase sales by 15 percent over the next six months, and he will formulate specific procedures, budget plans, and schedule schedules, which is the concrete plan. Guideline plans only some general guidelines and action principle, favors the actors free disposition, it points out that the key but don't limit actors on the specific target or specific action plan. For example, a specific plan to increase sales may require a 15 per cent increase in sales over the next six months, while a guidance plan may limit sales by 12 to 16 per cent over the next six months. Compared with the guidance plan, the concrete plan is easier to carry out, assess and control, but lacks the flexibility, and its requirements for clarity and predictability are often difficult to satisfy. In a broad sense, interest rates are not limited to bank interest itself, but also to bond markets, and even to share dividends, another way of stating dividends. In fact, in the United States, the proportion of direct financing is far greater than the indirect financing, corporate bonds, debt-financed and publicly traded shares is a very important means of financing, at this time all can use the concept of interest rates for analysis. The difference between the income and the total income has been realized We have been using internet banking for quiet sometimes now. Even though there was internet banking security breach occasions, however the percentage is quite small. People has learned to be very careful and protecting themselves when using internet banking. Internet banking users are smart people plus they know how to protect their computer from malware and hacker which has the possibility to get rid of into their internet banking account. In many tries to define the definition of 'time'; we sometimes make use of the very word as part of the definition. Although time is definitely an ever-present concern of humans; this only clearly demonstrates the issue in formulating an obvious precise and easily understood definition this agreement we are going to all universally agree and accept.