The Philippines is approximately 300,000 square kilometers (115,000 square miles), making it about the same size as Italy or the state of Arizona in the United States. The geography is mountainous with narrow coastal plains with various topologies that include vast arable lands, mountainous regions, a coastline stretching over 18,000 kilometers, and approximately 60 natural harbors (Castillo, 2014). The country's climate is tropical, with an average temperature ranging from 75°F to 87°F. The largest urban area in the country is Metro Manila, located in Luzon. Metro Manila is a contiguous area composed of 16 cities and one municipality and has a population of approximately 12 million people. The cities that make up Metro Manila include Manila, the country's capital and major commercial port, Makati, Pasig, Quezon City, and Taguig, the country's major commercial and business centers and office locations for most major banks and national and multinational companies. operating in