Toxic Chemical Agent Incident Response Assignment

Toxic Chemical Agent Incident Response - Assignment Example Incident command system is a well-organized tool that can be used to manage a disaster in a smooth way. It is a tool that is used for control, command and coordination of the emergency response to protect life, property, and the environment. The tool integrates procedures, policies, facilities, equipment and personnel into a common organizational structure that is specifically designed to improve the emergency response operations. By applying the principles of the incident command system, management of disaster can occur smoothly without confusion. These principles occur in a systematic manner and functions to allow smooth rescue plan for casualties in an emergency response. For methyl isocyanate leak, immediate response plan using the principles of incident command system can minimize the number of casualties (Williams, 2013). In case of the of the methyl isocyanate gas leak, the response teams should use similar terminologies to avoid confusion. The response team should use a common language that each person understands and all commonly used areas should have the same names. For instance, the area where casualties are being staged should have a common name such as the staging area. The gas plant facilities and units should be given similar titles that each response team is familiar with for easy access of resources and to avoid confusion (Strong, et al., 2009). During the gas leak, the first arriving officer to the gas plant assumes the position of the incident commander. The incident commander will start activating other section areas of the response team. The incident commander will raise the alarm, call the ambulance and start organizing on how to evacuate the casualties from the power plant after triaging. The incident commander will, therefore, help make a communication flow smoothly during the rescue process (Williams, 2013). There should be a common communications plan between different response teams.

Customer Value Management: Advantages and Disadvantages

Customer Value Management: Advantages and Disadvantages Executive Summary What is this report about? This report aims to identify the importance and long term benefits from adopting a customer value management (CVM) strategy for a life insurance company (â€Å"insurer†) in Singapore. It highlights the reasons why insurers need to adopt a CVM strategy and showcases the various means by which the strategies facilitate customer satisfaction which in turn results in profitability for the insurer. By following a well planned CVM Framework, an insurer will be able to analyze customer data, calculate profitability per customer, identify key customer drivers, and segment customers, thus targeting the right customer with the right product at the right time using the right channel of distribution. The report will benefit an insurer already based in Singapore as it highlights best practices and case studies of existing players in Asia and what they are doing to acquire and retain new customers in this region. The insurer can also focus on the key drivers and specific needs of the insurance customer in Singapore and position itself accordingly. Along with the CVM Framework, the analysis and recommendations from our research will benefit a life insurer in determining whether or not it is aptly positioned to penetrate the life insurance industry in Singapore and to a large extent the Asia Pacific market. Research Methodology For the purpose of this report we performed both primary and secondary research which assisted us in refining our objectives as described in Figure 1: Customer Value Management (CVM) Framework Based on our secondary research we described the process flow for a CVM framework for a life insurance company. The successful implementation of a CVM based strategy involved understanding and performing the following key processes: Best Practices of CVM in the Life Insurance Industry Highlights of the best practices followed by insurers, brokers and advisors in the Asia Pacific region are depicted. Introduction What is CVM? In industries where products, marketing promotions and channels are transitory, organizations are increasingly recognizing the importance of customer relationships. Today customer relationships play a very important role in increasing the profits of any organization. There are reports which suggest that customer retention of 5% may increase the profits of a company by 25% or more[1]. An organization experiences increase in profits primarily when the customer makes more purchases thereby offsetting the acquisition cost. Efficient customers over a period of time tend to be more cost effective to service as they are well versed to dealing with the organization. Loyal customers are a source of value for an organization but are scarce in nature and managers must maximize customer value and formulate strategies to successfully measure and align it with the organizations goals. As we evolve from product centric to customer centric marketing, a set of best practices are emerging to measure and increase the lifetime of the customer. These practices are defined as Customer Value Management[2]. CVM in the Life Insurance Industry The life insurance industry, long considered a pillar of stability, is now facing major challenges stemming from various internal and external factors: With increased competition as a result of globalization and the de-regulation of markets worldwide, several new entrants have entered the playing field making customer acquisition and retention all the more challenging. These new entrants include financial institutions such as banks and security firms. Advent of new technologies is challenging the effectiveness of previously established product distribution channels and has given the customer access to shop for life insurance products from multiple web based platforms such as www.policybazaar.com in India and www.compuquotes.com in the United States, with each offering different quotes for the same product offered by various organizations (life insurance companies)[3]. Rising costs as a result of high number of fraudulent activities is declining the life insurance industrys profitability. The strategies deployed by organizations to tackle these challenges will have a profound effect on both short and long term profitability. One such strategy that can make a positive impact on the profitability of an organization is Customer Value Management. Customer Value Management (CVM) from a life insurers perspective revolves around the identification of each profitable customer. Upon identifying this customer, CVM techniques can be used to measure the return on investment made by the organization in acquisition, growth and retention of the profitable customer. If the return on investment from the profitable customer is positive then the insurer should further implement strategies to maximize the lifetime value of its relationship. At the same time CVM solutions also facilitate an organization in: Segmenting customers by similar risk profiles Improving cross selling and up-selling programs Improving the effectiveness of the marketing campaign Maximizing profitability The successful implementation of a CVM strategy also involves the identification of the following: Right Customer Objective Identifying profitable customers and reducing customer acquisition costs. Traditional Practice Acquire competitors customers irrespective of profitability from each customer. Current Practice Acquisition of only profitable customers likely to generate repeat business. Example Consider two life insurance companies, one that focuses on providing life insurance products to â€Å"safe customers† and the other serves customers that fall in the high risk category; individuals engaged in adventure sports and activities such as mountaineering, cliff diving, cave exploration etc. The â€Å"safe customer† company would be acquiring the wrong customers by advertising in adventure sports magazines. Advantages Lower customer acquisition costs Higher profitability per customer Right Product Objective Providing the right customer with the right product thereby increasing customer retention and reducing costs. Traditional Practice Providing an array of life products irrespective of the customers preference and need resulting in customer dissatisfaction and attrition. Current Practice Providing only those products as desired by the right customer by segregating them on the basis of demographics, purchasing habits, lifestyle and risk factors. Example In Europe, life and health insurance companies determined that majority of their customers wanted to be fit and live a healthier lifestyle. Insurers provided their customers with a product which included incentives such as discounts on health club memberships and seminars on nutrition and healthy eating. Advantages Increase in customer retention Increase in cross and up selling opportunities Decrease in the number of claims filed Right Channel Objective Having identified the right customer and the right product for that customer, approaching the customer using a preferred channel of distribution. Traditional Practice Direct-response[4] marketing such as direct-mail and telemarketing targeted towards all customer segments including those that preferred a face-to-face meeting. Before the advent of Web 2.0 organizations relied on marketing intermediaries such as agents and brokers. Current Practice Besides using traditional direct-response marketing media and intermediaries, organizations have also launched web portals, comparison websites, and formed distribution alliances with financial institutions to sell products. Examples A study conducted by a British firm, Datamonitor in 2007, revealed that aggregators and comparison websites account for instigating 22% of individuals seeking motor insurance[5]. Likewise websites such as www.policybazar.com in India target price conscious customers seeking better deals online. Another study by Datamonitor revealed that in 2007, 37% of those individuals that purchased insurance online changed their provider upon renewal as compared to 17% that purchased through call centers[6]. The recent bank assurance alliance between Prudential Corporation Asia and UOB Life Insurance Limited will give Prudential the opportunity to sell its products to UOB customers in Singapore, Thailand and Indonesia. Advantages Offer more comprehensive life insurance products through direct-response marketing methods. High response rates from personalized direct-response methods Well informed customers and higher customer retention Right Timing Objective To make the sale and to win a customer for life by marketing the right product at the right time. Traditional Practice Organizations either marketed the right product at the wrong time or were unable to identify the right time to promote a product. In either case the customer was not acquired and/or retained. Current Practice With the use of sophisticated data analytic tools, organizations are able to predict customers future purchasing habits with the passing of each life stage. They then target the customer whose life insurance needs change due to: Marriage Birth of child Schooling of child Marriage of child Retirement Example Customer A bought a life insurance policy a couple of years ago and declined coverage for her immediate family citing lack of disposable income. However, Customer As preferences may have changed now and assuming her experience with the product, customer service, and the insurer has been satisfactory thus far and she has a higher disposable income than she did earlier, she can be contacted again for buying life insurance for her family. Advantages Increased cross and up selling opportunities Increased customer retention Decreased customer defection Customer Perception of the Life Insurance Industry Life insurance products are considered by many as complex yet much needed to minimize risk. Organizations have come up with products that meet the needs of the individual customer, however because the insurance contracts are fraught with complex legal terms, the customer ends up perceiving the life insurance industry as one that is not transparent and â€Å"user-friendly†. Furthermore, customers consider insurers as organizations that are only interested in ensuring that their customers pay their policy premiums on time; however when its time for the insurer to resolve a claim or a dispute the turnaround time is slow resulting in frustration and anxiety for the customer. To cite an example of customer perception towards the insurance industry, an insurance survey by IBM and University of St. Gallen in Switzerland revealed that roughly 60% of the participants[7] did not completely trust their insurance company. Because of such negative perceptions the insurer faces a high rate of customer defection. As the cost of acquiring a new customer are much more than the cost involved in retaining an existing one, insurers are coming up with innovative methods to build and foster a long term relationship with their valuable customers: Creating trust and reliability: More than 80% of the participants in the IBM and University of St. Gallen insurance survey placed a high value to honesty and trustworthiness and building a solid reputation in the market has become ever so more important for an insurer. Organizations are taking actions to build trust and credibility by: Modifying the legal jargon in insurance contracts to simple, brief and layman terms. Remodeling the direct selling agents compensation package to include commissions based on parameters such as repeat sales and customer retention, thereby encouraging them to act more customer oriented. Establishing social communities such as interactive web portals, blogs and chat forums, thereby fostering communication with the customer. This strategy has also given insurers with invaluable information about the customers evolving needs. Creating an ensemble of touch-points: This strategy involves personalizing the approach to customers and making meaningful touch points available to generate a positive and rewarding experience for customers and the organization. For instance, price sensitive customers rely on the Internet when shopping for a life insurance policy, whereas relationship oriented customers seek advice from insurance agents / brokers and banks. Various touch-points available for customers of a life insurer can be bucketed as depicted in Figure 6. Therefore, it is essential for an organization to plan carefully before deploying or cutting back on any of the above touch points. For instance, in the first quarter of 2009 tied agency channels contributed to 59%[8] of total new business generated in Singapore. If an insurer were to downsize its tied agency channel it could result in a high rate of customer defection for a customer segment that seeks a personal relationship based on reliability, sound advice, and competence. Being flexible to the customers needs: The insurer should make room to tailor the offerings to the specific requirement of the profitable customer. Furthermore, in the life insurance industry, multiple insurers offer similar products but the ones that offer flexibility are the ones that are able to hold their market position as well as attract the competitors customers. In North America and Europe, customers have identified various aspects of flexibility from their insurance providers. These aspects are covered in Figure 7. As customers in the Asia Pacific region become more and more sophisticated for their life insurance needs they will require similar levels of flexibility (as noted above). Need for CVM in the Life Insurance Industry Based on the challenges faced by players in the global life insurance industry, we have identified the Strengths, Weaknesses, Opportunities and Threats (SWOT) typical to the industry and the impact of such on the insurer as well as the customer. The objective of the exercise is three-fold: Firstly, identify the key strengths, weaknesses, opportunities, and threats in the life insurance industry. Secondly, identify the impact of the strengths, weaknesses, opportunities, and threats on the insurers and their customers. Thirdly, to justify how an insurer can implement strategies and solutions to mitigate the weaknesses and threats and capitalize on strengths and opportunities. STRENGTH KEY STRENGTHS IMPACT ON INSURER IMPACT ON CUSTOMER STRATEGY Consolidated customer and marketing databases. More accurate prediction of changing customer needs Faster turnaround time in resolving claims and disputes. Customer has products that meet insurance/investment needs. The systems and customer data should be shared across the organization to promote innovation in business solutions. Multiple products offerings Targeting and acquiring various customer segments Increases customer retention by cross selling and up selling Customers have multiple products to meet their changing needs and circumstances. Identify the most profitable customer segment and retain them by offering innovative products and quality service. Multiple distribution channels. Increased profitability. Multiple distribution channels have given access to a wider customer base. Customers obtain product knowledge from their preferred touch points. Increases brand perception and product knowledge. Target specific customer segments through cost effective and customer preferred distribution channels. Flexible payment options (ex. payment in installments, cash, cheques, and credit/debit cards). Increases revenue generation, customer acquisition, and retention. Customer values flexibility and convenience and remains loyal. Marketing strategy to showcase the differentiating factors not provided by competitors. WEAKNESS KEY WEAKNESSES IMPACT ON INSURER IMPACT ON CUSTOMER STRATEGY Important customer data resides in silos resulting in poorly defined customer segments. Customer information resides with different departments preventing a holistic view of the customer. Wrong products sold to the wrong customers resulting in customer dissatisfaction. Consolidate and analyze customer data residing in various systems to identify profitable customer segments likely to do repeat purchases. Lack of information sharing across departments marked with territoriality and fierce internal competition. Results in weak product orientation and ineffective cross selling and up selling opportunities. Results in defection to competitor as insurance needs are not satisfied. Develop a common repository of customer data to provide various departments with the ability to develop products and provide quick response to changing needs. Lack of trust and reliability on the insurer. Negative reputation leads to mass customer defection. Un-satisfied customers pass on the poor experience to prospective customers Promote social computing communities such as blogs, chat forums. Also provides value add information about the customer. Snail paced claims and dispute resolution. Higher costs and time to serve the customer as multiple follow ups are required. Increased customer frustration due to lengthy dispute resolution period. Implement analytical models to predict and quantify the likelihood of claims. Measure and reward employees on time taken to resolve customer disputes. Insurance contracts are loaded with complicated insurance jargon. Increases in cost per customer Customer dissatisfaction and defection Simplify insurance contracts Recruit knowledgeable agents to assist customers. Insurance agents are primarily commission driven and are not customer oriented. Results in tarnishing the insurers reputation. Customer perceives a negative image of the insurer when faced with agents that are solely motivated by profits. Remodel agent compensation to include commissions based on parameters such as repeat sales and customer satisfaction surveys. Make customer centric training programs mandatory for all agents. OPPORTUNITY KEY OPPORTUNITIES IMPACT ON INSURER IMPACT ON CUSTOMER STRATEGY Tie-ups with banks and other FIs will give access to a wider customer base. Lower cost of acquisition of new clients. Lower operational costs. Financial and protection needs are met by a single channel. Develop bancassurance agreements to target a banks customer base. Un-tapped markets such as HNWI and Takaful (Islamic insurance). Access to a wider client base resulting in increase in profitability. Positive brand building exercise.  · Ability to provide protection for themselves and family.  · Diversification of investment strategy for HNWI.  · Launch products to non-mass market segments.  · Organize brand awareness campaigns in locations that are frequented by such segments. Deregulation has opened new markets. Insurers have access to a wider customer base. Competitive premium to the customers. Market entry strategy for de-regulated countries. Since the 3rd quarter of 2009, new business premiums in Singapore have been consistently increasing[9]. Opportunity to re-acquire customers. Multiple product and service offerings at competitive prices. Acquire customers that defaulted during the financial crisis by providing coverage at the same premium or payment in installments. Increased competition from the Internet. High costs involved in changing and/or updating technology platforms. Customers have a clearer idea of product offering and higher bargaining power over insurers. Provide high quality service to convert a one-time online sale by cross selling and up selling. THREAT KEY THREATS IMPACT ON INSURER IMPACT ON CUSTOMER STRATEGY Deregulation of the insurance industry has increased competition from new entrants. Lower profit margins and increased customer acquisition and retention costs. Financial and protection needs are met by a single channel. Joint venture, merger or acquisition with/of a bank and other financial institutions. Increased competition from the Internet. High costs involved in changing and/or updating technology platforms. Customers have a clearer idea of product offering and higher bargaining power over insurers. Provide high quality service to convert a one-time online sale by cross selling and up selling. Develop a powerful and customer friendly web platform. Rising costs due to increase in fraudulent activities. Lower profit margin and increased operational cost. Customer dissatisfaction with high turnaround time for claim resolution. Implement CDI tools to reduce duplication of records and redundant customer data. New government regulations may result in lowering profit margins for the insurer. Inability to serve customer segments resulting in declining profit margins. Customer has limited option of products to choose from or has to pay higher premiums. Develop products that abide by government regulations but at the same time are able to meet customer needs. Implementing a CVM Framework for a Life Insurer Customer Value Management (CVM) provides a systematic methodology of modeling the value proposition relative to competition by putting process improvements into operation and communicating these improvements back to the customer in terms of better service and value add. From a life insurance organizations point of view, customer value management can be structured into the following three components[10]: Analysis Planning Continuous Improvement The three components interact with each other to drive the value proposition of the customer. The components align business operations with the value proposition and create specific action plans to help realize the customer value over a lifetime. CVM components can be further broken down in to a structured process as shown in Figure 8. This is done to deliver the specified objective of implementing a customer value management strategy for a life insurance company (insurer) The phases explained in Figure 8 are summarized in the below section. Analysis The Analysis Phase consists of analyzing data and formulating strategies using data mining techniques to improve the customer profitability. The key processes which are included in this phase are: Data Quality and Single Customer View[11]: To improve profitability from the customers, analysis of the customer data stored in various systems is performed. Thus life insurance companies need to integrate them to understand the customer trends and purchase patterns. Life-time Value Model: Once the data is integrated, it is used to calculate the life time value of existing customers using various available methods. Discounted Cash Flows (DCF) method is one such model. Key Drivers: Key value drivers for a life insurer are determined by analyzing the data from the single customer view and the life time value model. Identifying key drivers that affect the purchasing decisions of a customer and the method by which an organization delivers on those drivers forms an important part of the Analysis Phase. Segmentation: Based on the customer values generated by lifetime value model, the customer segments are segregated into current and future low to high value customers. Further these customers are also segmented based on demographics, customer behavior etc. to capitalize on the current and future trends in the life insurance industry Planning The Planning phase ensures that the information collected after analyzing the data is valid and relevant for improving the customer value. Strategies at product and market level are formulated and implemented in planning phase. The tasks associated with planning phase are: Planning at the Business and Product/Market Level: Campaign planning based on customer segment is associated with planning at product and market level to implement the overall strategy of the organization. Campaign planning may include marketing plans, product development, cross-selling or up-selling of products to existing customers. After the completion of campaign planning, campaigns actions are implemented with intend to improve the customer profitability. [12] Key performance indicators: Based on the overall strategy, key performance indicators are identified based on financials, marketing performance, customer satisfaction, customer retention. These indicators allow insurers to measure the outcome of various actions on a periodic basis. Continuous Improvement Continuous improvement phase includes updating of action plans and strategies to make it more efficient and effective to achieve the organizational objectives. Objectives of continuous improvement are achieved by: Continuous performance measurement: The performance indicators established in the planning phase should be reviewed on a periodic basis to avoid any deviations from the stated objectives of each business unit. Process Improvement: Based on the outputs generated from the actions plans and performance indicators implemented in the planning phase, associated processes and action plans are updated to make it more efficient in achieving the stated objectives. Each phase will be dealt separately and in more detail in the following sections of the report. Analysis The Analysis Phase consists of analyzing data to identify the key drivers which affect the value of a customer and segment customers to improve the profitability of the insurer. The analysis of data establishes a relationship and a trend between the internal information and the market value of customers. This phase includes an analysis of the following processes: Data Quality and Single Customer View Over the past decade, insurance companies have gradually started shifting their focus from policy sales, pricing, and claims to understand the needs of the customers and the possibility of repeat purchases of additional products from these customers. Insurance companies have now started servicing and understanding the customers needs from a holistic perspective and further the insurers efficiency to service their customers is dependent on the information provided by the customers on the use of specific products and services. The information solicited from customers is used by insurance companies in developing new and re-modeling old products, by call customer representatives in providing quality service, and by marketing departments in selling new products to segmented customers. To achieve the above, insurance companies have started stressing on the need for customer data integration (CDI). A typical data integration solution (Figure 9) should encompass the following subsystem in the life insurance organization. An insurer needs to integrate various components of an insurance policy management solution into one and use data mining techniques to recognize the current customer trends, purchase patterns and fraudulent activities. Customer data integration in the insurance industry creates growth in the companys top line by: Improving the design of insurance products and pricing; Increasing the success rate of marketing campaigns; and Improving the overall customer experience resulting in maximization of the customers life time value Similarly, customer data integration also makes a positive impact on the bottom line of a life insurance company by: Streamlining the service centers and leading to shorter call times, resulting in increased customer profitability; and Savings in several operational areas such as claims Figure 10 displays the benefits of customer data integration as it applied to the organization. To further elaborate on how insurers can leverage from customer data integration let us demonstrate its effect on the following areas of the company: Product and Service Offerings: A typical product development process at an insurer is described in Figure 11. The figure highlights the data required from various sub-systems for product development. Data integration reduces the time required for product development using improved analytics. In short the insurer can have the first mover advantage by reducing the product development lifecycle. Insurers also spend a significant amount of time in customizing enrolment materials, benefit summaries, and claim submission forms and reports for a major customer. These activities have a high cost as they require the services of sales, underwriting, compliance, and legal and can wipe out the entire cash flows and profit expectations of the insurer. Here, data integration plays a significant role in formally defining, marketing and tracking these services and developing them. Data integration allows the insurer to integrate information about its target customers and their use of high cost services and bundles these services with the product to improve the pricing model. This enables an insurer to recover its costs incurred in designing the product and services while providing high end customers with value added services at the same time. For example, Eurovida[15], a Portuguese life insurer and part of Grupo Banco Popular faced a challenge of providing its customers with the right products in the most cost effective ways while driving growth, profitability and shareholder value. It was only after they deployed an activity-based management system were they able to consolidate customer and product data thereby determining the profitability of products and the costs incurred in delivering the product and service to the target customers. Marketing and Sales: An immediate advantage of customer data integration in the life insurance industry is the ability to detect and consol

Rhetorical Strategies in Sinners in the Hands of an Angry God Essay

â€Å"Sinners in the Hands of an Angry God†-Essay In the 1700’s the Puritans left England for the fear of being persecuted. They moved to America for religious freedom. The Puritans lived from God’s laws. They did not depend as much on material things, and they had a simpler and conservative life. More than a hundred years later, the Puritan’s belief toward their church started to fade away. Some Puritans were not able to recognize their religion any longer, they felt that their congregations had grown too self-satisfied. They left their congregations, and their devotion to God gradually faded away. To rekindle the fervor that the early Puritans had, Jonathan Edwards and other Puritan ministers led a religious revival through New England. Edwards preached intense sermons that awakened his congregation to an awareness of their sins. With Edwards’ sermon, â€Å"Sinners in the Hands of an Angry God† he persuades the Puritans to convert back to Puritanism, by utilizing rhetorical strategies s uch as, imagery, loaded diction, and a threatening and fearful tone. Edwards applied masses of descriptive imagery in his sermon to persuade the Puritans back to their congregation. For example, he gave fear to the Puritans through this quote, â€Å"We find it easy to tread on and crush a worm that we see crawling on the earth, so it is easy for us to cut a singe a slender thread that any thing hangs by, thus easy is it for God when he pleases to cast his enemies down to hell†¦Ã¢â‚¬  (pg. 153) In this quotation, he utilized vivid imagery because he wanted the Puritans to visibly imagine what he was saying through his sermon, on how angry God is with them, which made them convert back to Puritanism. Through the use of vivid imagery such as â€Å"crush a w... ...God†, by Jonathan Edwards successfully persuaded the Puritans to be converted back to Puritanism. Through Edwards’ sermon the Puritans were compelled to renew their faith back to God. Edwards gave the Puritans a sense of realization, which caused them to go back to their congregation. Edwards horrified the Puritans, with his use of vivid and descriptive imagery, which effectively persuaded them to return to the congregation. Through his utilization of numerous loaded and highly emotional diction, he petrified and convinced the Puritans to go back to the church of God. He also gloriously enhances his sermon with his utilization of threatening and fearful tone tormented the Puritans and convinces them to be pious once again. Jonathan Edwards’s utilization of numerous rhetorical strategies effectively persuaded the Puritans to convert back to their congregations.

How does Edgar Allan Poe keep the reader in suspence Essay

in the very first sentence, Poe starts to build up the tension by saying ‘True – nervous – very, very dreadfully nervous’ this repetitiveness builds up the tension, the word ‘dreadfully’ gives the reader a clue that it is going to build up to something bad. He then gives us a clue that he is a bit of a mad man by saying ‘but why will you say that I am mad?’ this automatically makes the reader suggest he is mad, but we don’t know why yet. The story is being narrated by the murderer, and in the beginning, he really makes you empathise with him. You can really imagine this scary eye. He says ‘whenever it fell upon me, my blood ran cold’ so he is really scared of this eye and you can relate and feel sorry for him. Poe talks about time throughout the story. He mentions when time is going slow, when time is going fast, and also he changes the pace, switching between slow and fast. These elements add to building the suspense. The slow build up builds up tension, the slow, careful planning, and the longer sentences that drags it out as if the narrator is talking slowly and patiently. This gets the reader thinking and anticipating something is going to happen. Examples of when Poe uses time in a slow manor is when he says ‘I was never kinder to the old man than during the whole week before I killed him’ so this shows that him killing this man is a slow, well planned, patient build up. He says that he was kind to the man for a whole week, so this must have been planned for a while, so this whole process helps to build up suspense and get the reader anxious. Another example of Poe talking about time going slowly is when he says ‘it took me an hour to place my whole head within the opening’ this shows how slowly, careful and cautious he is being so he does not wake the man. This adds to the build up, taking a whole hour to open the door, which in a normal situation nobody could be this patient in taking this long to open a door. The next example of Poe mentioning time going slows is when he says ‘a watch’s minute hand moves more quickly than did mine’ again this shows how slowly time went, he compares a watches hand to his hand and says that even that was moving faster than what he was. So it is an example of this slow, patient build up that keeps the reader in suspense. As well as making references to time going slow, Poe also talks about time going fast, using shorter words and sentences, so the narrator is talking faster, so the pace changes to a much faster build up, so the reader anticipates something is about to happen. An example of this is when Poe says ‘I talked more quickly’ so as the pace and suspense building up gets faster, so does the speed that the character is talking. As the beat of the heart builds up louder and louder so does pace at which the character speaks get faster and faster. Another example of this is when Poe says ‘the noise steadily increased’ so the noise of the heart is increasing with the build up. The different paces represent the different parts of the story. The beginning of the story, slow creeping round, the planning and being cautious. The end of the story, fast, fear of being caught out, the sound of the heart. Poe uses repetition throughout the story. This is used for effect and empathise the point to the reader. An example of repetition is when he says ‘I undid the lantern cautiously-oh, so cautiously–cautiously’ in this sentence he empathises the word ‘cautiously’ he does this to get the point across to the reader of how cautiously he undid the lantern. Another example of when Poe uses repetitiveness is when he says ‘louder–louder–louder!’ this really empathises the heartbeat, and how loud it is and how it is building up, as he says louder each time the heartbeat gets louder. So he really does empathise the word louder in this sentence. The third example that I have chosen from the text that shows repetition is when Poe says ‘I moved it slowly–very, very slowly’ in this phrase Poe repeats the word ‘slow’. So this gives a better effect than if Poe had of just said ‘very slowly’. The r epetition makes it sound as if he had done it even slower. Throughout the story Poe uses noises to create atmosphere in the story. Sounds create an atmosphere as they have an effect on the reader, and noises can really set the scene in the story. Or in some cases I can add to the suspense and scare readers as they can relate to these noises that may have happened in their own home and scared them. An example of Poe using noise to create a tense atmosphere is when he says ‘hinges creaked’ this makes the read tense and keeps them in suspense as they are wondering what would be the old mans reaction if he heard this as he cannot see anybody so he is bound to be scared. Also when it says the hinge creeks, it gives you the impression that it is a creepy, old house, which adds to the atmosphere. The next example of sound being used to create atmosphere is when Poe says ‘it was the beating of the old man’s heart’ so this really helps the reader picture the scene, it gives them I more imaginative view of what’s happening. This noise really lets the reader know just really how scared the old man is, because they will know fro, their own experience that your heart races and becomes loud when you’re scared. Poe describes everything in great detail; this grips the reader and makes them feel involved in the story, rather like a film. Throughout the story, Poe uses words that would relate this story to and make it sound like a horror movie. Poe talks about ‘death’ throughout the story, ‘week before I kill him’, ‘death watches in the wall’, ‘because death, in approaching him’, ‘dead hour’, ‘yes, he was stone, stone dead’ and ‘I must scream or die’ so these quotes mentioning death that are all through the story give the story a real horror effect, and it also grips the reader and makes them feel more involved. Another word related to evil and the horror genre of this story and that is mentioned throughout the story is the talk of ‘terror’, Poe says ‘mortal terror’, ‘the terrors that distracted me’ and ‘uncontrollable terror’ so these quotes add to the effect that the story has on the reader. In the beginning of the story, Poe uses great descriptive language to describe the old mans eye. This helps influence the reader as it can help them to imagine the eye clearly and therefore make them feel more involved with the story and a bit sympathetic towards the murderer in the story. If the reader is involved with the story, then they will be able to feel the tension and suspense created throughout the story. First of all Poe starts by saying ‘it haunted me day and night’ then goes onto say ‘he had the eye of a vulture’ which really gives a good image as the reader should know what the vultures eye looks like†¦scary. Then he says ‘a pale blue eye, with a film over it’ so you can really imagine this pale blue vulture eye, with a dull glaze over it. He then describes how the eye makes him feel ‘whenever it fell upon me, my blood ran cold’ this is a great descriptive way of displaying to the reader how the eye makes him feel. The reader can really empathise with this sentence as they would have experienced this feeling themselves. So this makes the reader feel involved. So all these factors help the reader imagine this really disgusting eye. Poe talks about the murder in great detail, which really makes it sound like a gruesome death. He does not just say he jumped on the man and killed him; he described everything that happened, so the reader gets a good imaginative picture of what is happening. The fact that the murderer ‘smiled gaily’ is really quite sickening as he is rather enjoying murdering this poor man. He even describes the man dying ‘at length it ceased’ so he is talking about the sound of the man’s heart, slowly decreasing. When the man is finally dead, he describes him as ‘stone dead’ which is a vulgar way of putting it. The story is written in first person narrative by the main character, and throughout the story he refers to the reader, as if he is talking to the reader ‘you cannot imagine how stealthily’, ‘do you mark me well’, ‘will you say that I am mad?’ so he keeps referring to the reader as ‘you’, and asking the reader questions. This really involves the reader with the story, so again the reader is emotionally involved and really feels the suspense and tension built throughout the story. This is good and very effective as it allows Poe to talk of the murder in plenty of detail, and it also lets us know what the murderer is thinking and what his motive is for killing the man (the eye). The murderers feelings in this story is a vital factor as it lets us know how he has planned the murder, and also all the precautions he took leading up to the murder. It also allows Poe to describe the eye and get the reader to empathise with the murderer. I really enjoyed this story as I felt myself gripped and involved in it. So I could really feel the tension and the suspense, I was on the edge waiting for something to happen. I could really relate to the story and that’s why I felt involved, because I could imagine this poor old man scared in bed and hearing strange noises, which scares anybody if they are in bed all alone. So the story was really exciting and enjoyable to read.

How It Is Close?

Banco Filipino Overview: * 1964, Banco Filipino was established. * 1965, Banco Filipino set out to leave its mark as an innovator, by conceiving the first all-woman bank branch. * 1969, Banco Filipino Became the first bank to process online transactions in real time, giving customers the ability to deposit in any online Banco Filipino branch. * 1966 to1985, Banco Filipino was the largest savings bank  in the Philippines. * In 1970, Banco Filipino started expanding into the countryside with its first provincial branch opening in Naga City. 1972, the bank's customer base grew to one million customers, even in the midst of  martial law. * 1975 It was voted the most preferred bank in  Metro Manila  . * For most of the 1980s, Banco Filipino would remain closed, * January 25, 1985, even though Banco Filipino was performing well and was seen by most people as a very healthy bank, the  Bangko Sentral ng Pilipinas  ordered its closure over alleged insolvency. * 1991 ruling made by the  Supreme Court  declared the bank's closure illegal. Banco Filipino subsequently reopened, albeit only with fifteen of its original 92 branches. * For much of the remaining 1990s, Banco Filipino would be busy trying to reestablish itself. * 1995 It became a member of BancNet  after launching the BF Cash Card and issued its first  credit card, a  VISA  card. * 1997 Two years later, BF shares were re-listed on the  Philippine Stock Exchange, * 1999 the Supreme Court declared that Banco Filipino is entitled to damages payments caused by its illegal closure. 2009, the Makati RTC ordered the Bangko Sentral and the Monetary Board to immediately implement the bank’s approved business plan by releasing P25 in billion financial assistance and a package of regulatory relief, which was affirmed by the appellate court in 2008. * March 17, 2011 The Bangko Sentral ng Pilipinas (BSP) ordered the closure of Banco Filipino Savings and Mortgage Bank and placed it under the receivership of state-run Philippine Deposit Insurance Corp. (PD IC), saying its liabilities topped its assets by P8. 4 billion. Analysis of the case Problem areas: The officers of Banco Filipino mismanaged money entrusted to them by their depositors by its continued lavish spending. * Banco Filipino allowed loans to remain unpaid, including billions in overdue loans granted to its stockholders, officers, and related companies * To raise funds, Banco Filipino lured depositors with interest rates way above the prevailing market rates which made their interest expense higher than its income. * Banco filipino’s loans became overdue which means their principal and interest remained unpaid. Recommendations or Proposed Solutions: The board of directors should have their internal control tighter especially in spending expenses. They should have established good system regarding cost spending, for instance they could have develop a group that would review if the money is properly allocated. * The company should have set up policies that concerns g ranting loans to its stockholders, officers and related companies. They also should have a department or committee that would review the position of loans, if it is becoming overdue. * The bank should have reviewed the way that they raise their fund and search for a better strategy. Luring depositors by giving high interest rates was a huge mistake. It is one of the major mistakes that the bank had made. It made the interest expense higher than the proceeds that they are accumulating. * Banco Filipino should have created a better control or system in paying their loans and interest to the Banko Sentral ng Pilipinas and other creditors. They should have also set up a team who would oversee the progress of their borrowings that could have prevented the interest and principal unpaid. Banco Filipino: Case Analysis By: Montiel, Karen Patricia T. AC09404

Week 3 Assignments Essays - Business Economics, Economy, Business

Week 3 Assignments Essays - Business Economics, Economy, Business Week 3 Assignments Jennifer Rangel June 29th, 2015 Dr. Kenneth Thompson Ex. 20.1 Listed below are nine technical accounting terms introduced in this chapter: Variable costs Relevant range Contribution margin Break-even point Fixed costs Semivariable costs Economies of scale Sales mix Unit contribution margin Each of the following statements may (or may not) describe one of these technical terms. For each statement, indicate the accounting term described, or answer "None" if the statement does not correctly describe any of the terms. a. The level of sales at which revenue exactly equals costs and expenses. = Break Even Point b. Costs that remain unchanged despite changes in sales volume . = Fixed Costs c. The span over which output is likely to vary and assumptions about cost behavior generally remain valid. = Relevant Range d. Sales revenue l ess variable costs and expenses= Contribution Margin e. Unit sales price minus variable cost per unit . = Unit Contribution Margin f. The reduction in unit cost achieved from a higher level of output . = Economies of Scale g. Costs that respond to changes in sales volume by less than a proportionate amount . = Semivariable Costs h. Operating income less variable costs= None Ex. 20.7 MURDER TO GO! writes and manufactures murder mystery parlor games that it sells to retail stores. The following is per-unit information relating to the manufacture and sale of this product: Unit sales price . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 30 Variable cost per unit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Fixed costs per year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 360,000 Determine the following, showing as part of your answer the formula that you used in your computation. For example, the formula used to determine the contribution margin ratio (part a) is: Contribution Margin Ratio = Unit Sales Price - Variable Costs per Unit / Unit Sales Price a. Contribution margin ratio. (30-6)/30 =.8 is a 2 0% contribution margin b. Sales volume (in dollars) required to break even. 360000/2 0 %= $ 1,800,000 need to be sold to break even c. Sales volume (in dollars) required to earn an annual operating income of $440,000. 360,000+440,000=800,000/2 0% = $4,000,000 needs to be sold to earn an operating income of $440,000 d. The margin of safety (in dollars) if annual sales total 60,000 units. 1,800,000 /20%= 9,000,000 Sales for 60,000= 1,800,000 Margin of safety is 1,800,000-= 1,800,000 e. Operating income if annual sales total 60,000 units. 1,800,000 x20%= $360,000 Ex. 21.2 Read the footnote in Appendix A referring to Home Depot's decision to close all of its remaining big box stores in China. Write a short paragraph identifying the incremental, sunk, and opportunity costs associated with this decision. Assume that any cost savings will be invested elsewhere in more productive stores. When the Home Depot closed the stores in China they incurred $10 million in opportunity costs. This amount was due to the amount of inventory markdowns which could have been sold if the stores had stayed open. The sunk and incremental costs were the remaining $135 million. The sunk costs would be a fee that is unavoidable like a lease agreement, but it seems that there are more incremental costs. These costs would be due to the closing of the stores such as severance pay for terminated employees. Ex. 21.6 The cost to Swank Company of manufacturing 15,000 units of a particular part is $135,000, of which $60,000

Research Paper Conclusion

Research Paper Conclusion Research Paper Conclusion Research Paper Conclusion All research paper ideas should be organized in a plan. Research paper should have the following parts: Title page. It should contain full title of your research paper, your name, and name of the institution, the date, course, etc. Table of contents. Remember that new chapter of the research paper should begin on a new page. The research paper should be divided into the chapters using logical method; the major chapter should be subdivided into sections and subsections. Abstract and Introduction. This is the overview of the whole research paper. It gives reader an opportunity to learn what the research paper is about. Focus and narrow your research, present a summary of your findings and outline research paper main ideas.   Body and Literary review. Tells the reason why you have started to write this research paper, prove your understanding of the problem you've decided to investigate. Literature review helps to put your research into a background context and to explain its importance. While writing a research paper, include only the books and articles which are directly relevant to your topic. Remember that you need to be analytical and critical and not just describe the works that you have read. You should describe methods and principles which were used and why you've decided that they were the appropriate for your research paper writing. Give a clear presentation of your results while writing a research paper. Show the results and calculations. Explain how they compare with those of others who have done research in the same field of study. Conclusion. Research paper conclusion should summarize briefly the main points which were discussed in the body. Note whether you have answered all of the questions which you raised while writing a research paper. Bibliography. List all the sources cited throughout the research paper. Research Paper Writing While writing a research paper, you should use numerous resources.   In-depth research helps you to understand what is known about a given phenomenon, what experiments or project were done on the chosen topic in science. A literature review should demonstrate that you have read and analyzed literature relevant to your topic. So, you should select and analyze the books and articles which are related to your topic. The aim of review is to provide you and your readers with information of what is already known on your topic. Research Paper Help Research paper writing is not easy and many students simply do not have enough time to conduct a research and to present all of the findings.   offer you an opportunity to benefit from our professional research paper writing service.   We are able to help you with research paper writing on any topic, of any complexity, and of any urgency.

Build and Use a Tree Leaf and Plant Press

Build and Use a Tree Leaf and Plant Press Way back in the dark ages when I was taking tree identification in college, I pressed hundreds of leaves for further study. Even today, you cant beat using a real, preserved leaf to assist you in tree identification. A properly pressed leaf highlights its structure(s) and provides you with a three-dimensional leaf. Collecting the leaf aids you in the initial identification and gives you a self-made field guide for future help. Difficulty: Average Time Required: 2 to 4 hours (including purchasing materials) Heres How Cut a 24 X 24 plywood square in half to make the top and bottom sections of the 12 X 24 press. Place them on top of each other with edges even (c-clamps or bar clamps can be used to keep the wood in position).At each corner of the top and bottom pieces of plywood, measure in 1 1/2 from sides, 2 from top and mark with a pencil. Using drill bit the same size as your bolts, drill a hole through both pieces at each mark.Insert round-headed bolts up through each hole in every corner of both the top and bottom portions of the plywood press. Make sure the hole is small enough to accommodate the bolt but stops at the head. Add a washer and wingnut to each bolt. You now have a press with adjustable tension.Remove winged bolt nuts, washers and the  top portion of the plywood press leaving the bottom portion of the press and four bolts standing upright. It is from this open position that you load the press with any new leaves.Cut two cardboard pieces to fit between the press but not extend be yond the top, bottom or sides of the plywood press and to fit between the bolts. This cardboard is to go between the wood press top and bottom and the pressed material. Collect tabloid sized newspaper. To use: place leaves between double or triple sheets of newspaper, place newspaper between the pieces of cardboard. Close the press by repositioning the top plywood portion over bolts, attach washers, screw on wing nuts and tighten. Tips: Find a leaf on a tree you either know or would like to identify. Collect the leaf or several leaves that most represent an average looking leaf of the tree species. Use an old magazine as a temporary field press.Identify and label each specimen as soon as you collect it as identification is much easier when you can see the entire tree rather than just a few leaves. Remember to take your field guide along.You should not have to pay more than $10 for the material to build this leaf press. You can purchase presses for about $40. What You Need: 2 X 2 sheet of 1/2 plywoodFour 3 round-headed bolts with washers and wing nutsCircular saw, scissors and drillCardboard and newspaper

How important are cultural values in the formation of human rights Essay

How important are cultural values in the formation of human rights - Essay Example Although members of the Western culture have developed worldwide organizations addressing human rights issues, there are vast differences between the way that Western values address the nature of the individual in comparison to values of other cultures. Through aspects of work, feminism, and punishment, there is a great variety of value administration towards addressing the rights of members of a society. The nature of human rights as they are practiced within a region are determined by the values of the relevant culture that has control over the ideological philosophies that inform public policy. Value Diversity What is culture? When speaking of culture, it is necessary to understand that any discussion of culture will include an â€Å"implied other†, thus defining one group as different from another (Storey 2006: 1). The truth about the concept of culture, from some perspectives, is that it divides people much more definitely than is actually appropriate. Being human allows for the same motivations for behaviors, the needs for life not changing from one regional setting to the next. Human beings need to be warm enough, cool enough, satisfy their hungers, and satisfy their bodily needs. Everything that is done is an extension of basic human needs and the way in which the environment lends support to those fulfillments. How life is framed for supporting these needs is how culture is defined. If one looks at Maslow’s Hierarchy of Needs, for purposes of understanding the nature of human need fulfillment, one can see how all people share the same focused needs, that it is just the semantics of how those needs are approached that change from one region to the next (see Appendix 1). Motivations emerge from the bottom of the pyramid up, each level of need reflected through the behaviors and activities of each region of human development, no matter what that level of development and despite frameworks that vary from one set of people to the next. Culture is defined by frameworks that support needs, rather than through differences in basic human needs. Thus, human rights, despite the differences that are appreciated from one culture to the next, are not different. It is only the introduction of power that changes the way in which one culture will define how people are treated. Those in power will assert their authority by manipulating people through threats and rewards towards their human needs. Deprive a man of basic physical needs, and the motivations to follow the reigning authority will increase as those needs are fulfilled by that authority. Deprive those needs and not fulfill them and the next rebellious force that comes along promising to fulfill those needs will gain support. How human rights are defined is about the political frameworks in which needs are addressed and fulfilled. However, this still does not fully explain or define culture. There are general terms in which to define culture. Storey (2006: 1) suggests that a good broad definition of culture can be considered by saying it is a â€Å"general process of intellectual, spiritual, and aesthetic development†. This definition allows for the separation between the diversity of culture and the cohesion of human needs as universal. People are essentially the same through each incarnation of culture. The differences are in the interpretations that are created about how to address needs, not from within the human condition. What people come to believe is a

Child Poverty in the United Stated Essay Example | Topics and Well Written Essays - 750 words - 1

Child Poverty in the United Stated - Essay Example We have read several articles that address the question of child poverty in the United States. In order to begin to try and gain a critical perspective on this big issue, I will be discussing some of the issues these articles failed to address, in what ways the recommendations they make are unrealistic, and what obstacles exist in the implementation of those recommendations. I will also consider opposing points of view by anticipating the most common objections to the solutions these writers propose. As you will see, even after a brief survey of current thinking on such an important matter, it will be obvious that the issue is both complicated and so interwoven with almost every aspect of society, that while the answer is definitely yes, there is much that could be done to alleviate the vicious cycle of child poverty, there are no solutions that could be successfully pursued without a deep and long-lasting commitment from a very large segment of society because the fact of the matter is: Many have benefited from the very policies and decisions that have created this problem. In Jonathan Marshall’s article, â€Å"Child Poverty Is Abundant†, he asserts that â€Å"economists don’t fully understand the causes of the great inequality [of income] in the U.S,† but it seems to me that the long-term effects of economic decisions in the past 50 years can give us a pretty good idea of the causes, such as freezing the federal minimum wage off and on for years at a time or giving corporations tax incentives for adding jobs overseas or just across the border. Apparently the long-term effect of these decisions on the working poor was not the main priority when they were being made. We need to know why other considerations were thought to be more important, because someone benefited from them, and values different than a commitment

Sustainable Energy Applications Discuss Solar Energy Essay

Sustainable Energy Applications Discuss Solar Energy - Essay Example growth in the field of solar energy is remarkable due to the improvement of technologies and by the support provided by the policies implemented by the government in the field of development of solar energy and its use (Timilsina, Kurdgelashvili, and Narbel). There are mainly 2 types of technologies to generate solar energy, and they are: solar thermal and solar photovoltaic (PV). The former deals with the conversion of solar radiation to heat, or also called as thermal energy, and the latter is the technique which deals with converting sunlight directly into electricity (â€Å"Chapter 10: Solar Energy† 263). The solar thermal technology is again divided into two such as solar thermal non-electric and solar thermal electric (4). Solar thermal non-electric technology is used in solar cookers, solar water heaters, solar air heaters, solar coolers, agricultural drying, etc. On the other hand, solar thermal electric technology is the method of directly using solar heat for the production of steam for generating electricity, which is otherwise known as concentrated solar power (4). Currently 2 types of PV technologies are present in the market, namely thin film technology made up of different types of semi-conductor materials such as cadmium telluride, copper indium gallium diselenide, amorphous silicon, etc., and the second technology is called crystalline silicon-based PV cells (4). The history of solar energy begins between 1860 and the First World War, when a wide range of techniques were established to generate steam by obtaining sun’s heat so as to run the irrigation pumps and engines (4). In 1954, at Bell Labs in the United States, Solar PV cells were used for generating electricity in space satell ites (Timilsina et al. 4). The energy provided by the sun can be directly collected and used to make high temperature steam, i.e. more than 1000 C, and low temperature steam, i.e. less than 1000 C (Energy Technology Fact Sheet). These methods are implemented in

THE SUN ALSO RISES Research Proposal Example | Topics and Well Written Essays - 750 words

THE SUN ALSO RISES - Research Proposal Example Although much can be speculated at by this relationship, it is known that she wanted twins while pregnant with Ernest. As a result, she often dressed him and his sister alike during their toddling years to pass them off as twins. One author suggests: Hemingway regarded his mother as being as dangerous dead as most women are alive. (Hemingway once said: â€Å"I know I’d never go to her funeral without being afraid that she was boobytrapped.†) What could she have done to him? Dominant, overbearing, and emasculating†¦with the effect that the boy suffered a sexual wound, developed an androgynous sensibility, and experienced lifelong male insecurity and sexual anxiety. (Tuttleton) Agnes von Kurowsky was Hemingway’s love during World War I. He was wounded and sent to a hospital in Milan. There he met and fell in love with Agnes von Kurowsky, a nurse. She was supposed to follow him to America, but instead fell in love with an Italian soldier. This affected Hemingway deeply. Many of Hemingway’s female characters resemble von Kurowsky. For example, in The Sun Also Rises the character Brett could be inspired by von Kurowsky. In Brett’s character, he placed a desirable woman that every man wanted. This woman was not faithful however to anyone, especially the main character. The main character, Barnes felt: This was Brett that I had felt like crying about. Then I thought of her walking up the street and stepping into the car, as I had last seen her, and of course in a little while I felt like hell again. It is awfully easy to be hard-boiled about everything in the daytime, but at night is another thing. (Hemingway 39) Ernest Hemingway was married four times. He divorced three women, two with whom he had children with. One reporter explained the relationship between Barnes and Brett The Sun Also Rises as â€Å"It is an erotic attraction which is destined from the start to be frustrated† (The New York Times). Hemingway’s marriages

Theories of White Collar Crime Essay Example | Topics and Well Written Essays - 500 words

Theories of White Collar Crime - Essay Example Objectives of white-collar crime are considered as financial gain and organizational success. White-collar crime is committed by persons in high social positions who do so as part of their jobs. They do not involve violence and mostly are money related, and this may include embezzlement, business fraud, and bribery. The theory of conflict theory looks at the types of crime committed by two classes’ in the society. Members of the elite are more likely to commit such crimes as compared to the working class who are more likely o commit crimes like robbery, assault, and murder (Clinard, 2010). White-collar crimes are usually had to prosecute and catch and sometimes hard to identify. White-collar criminals use their power to avoid prosecution. People in power make rules and laws to benefit themselves. The conflict theory in relation to deviance when such people are accused of such crime they usually have the means and power to hire accountants ,lawyers, and people to help them avoid prosecution and may be referred to as deviant. The society itself believes that all laws are fair and are applied fairly, and, therefore, the society does not dwell on the fact that such laws can be unfairly applied, or it might be just. The differential association is a theory that deals with a white-collar crime that explains that behaviors are based on association and interaction with others. Edwin Sutherland proposed this theory (Friedrichs, 2009). This means that through interaction with other people learn values, motives and techniques that form criminal is behavior. It predicts that individuals can choose a criminal path when law abiding is lesser than law-breaking when it comes to rules. However, this theory fails to note that even with association and interaction people can be independent, individually motivated, and rational and, therefore, can avoid criminal behavior. The rational choice theory explains on both

Exam Study Guide Essay Example | Topics and Well Written Essays - 1250 words

Exam Study Guide - Essay Example Pure Food and Drug Act of 1906 was a major piece of a legislation in the Progressive Era that was signed by the then President, Theodore Roosevelt which recognized the U.S. pharmacopeia and the national formulary as the standard authorities for drugs. Lewis Hine was an American sociologist and a photographer who used pictures and the camera as a tool for bringing social reforms to the U.S. his photographs played a key role in in changing the labor laws of the United States. Conservation Movement was aimed at preserving and protecting the American wildlife, , wild lands and other natural resources that took place between 1890 and 1920. The War of 1898, sometimes referred to as the Spanish-American War was a conflict between the Spain and the United States which resulted from the American intervention in the Cuban war of independence. Philippine War, commonly referred to as the Philippine war of independence was an armed conflict that took place between the United States and the Filipi no revolutionaries between 1899 and 1902. W.E.B. Dubois, a co-founder of the national association for the advancement of colored people was an American sociologist, historian, and civil rights activist, a pan Africanist, who coupled as both an author and an editor, born in February 23 1868. NAACP in an abbreviation for the national association for the advancement of colored people, which was an organization founded in 1909, to advocate for African-American civil rights Ida Wells Barnett was an African-American journalist, a newspaper editor, a suffragist, a sociologist and an early leader of the civil rights movement famous for documenting the article, lynching in the United States which showed how the blacks who chose to compete with the whites were punished. Committee on Public Information during World War I, was an independent agency of the government of the United States that was created with an aim of influencing the public opinion of the citizens of the American participation in the First World War. Post World War I â€Å"Red Scare† signified the increase of fear of imminent rise of communism or racial leftism that was commonly used by anti-leftist proponents, which in the United States was marked by revolution of the workers and the political radicalism. Immigrant Restriction Act of 1924 also referred to as the Johnson-Reed Act was a federal law of the United States which was enacted in 1921 that limited the number of people who could be admitted from any country in the world. Ku Klux Klan is an ongoing racist and anti-semantic movement that uses extreme violence to achieve the goals of racial segregation and white supremacy, founded in mid 1860s, whose members adopted white robes, masks and hats that were purposed at scaring people. Great Migration was the mass movement of more than 6 million African-Americans out of the rural states of southern America that took place for the most period of 20th century to the Northeast, Midwest and the West. H arlem Renaissance was a phase of larger New Negro movement which emerged in the early 20th century, and which ushered in the civil rights movement of the late 1940s and early 1950s, which blossomed in African American culture that mostly used creative arts. American automobile was the name given to the vehicles that were produced in America

Theories of White Collar Crime Essay Example | Topics and Well Written Essays - 500 words

Theories of White Collar Crime - Essay Example Objectives of white-collar crime are considered as financial gain and organizational success. White-collar crime is committed by persons in high social positions who do so as part of their jobs. They do not involve violence and mostly are money related, and this may include embezzlement, business fraud, and bribery. The theory of conflict theory looks at the types of crime committed by two classes’ in the society. Members of the elite are more likely to commit such crimes as compared to the working class who are more likely o commit crimes like robbery, assault, and murder (Clinard, 2010). White-collar crimes are usually had to prosecute and catch and sometimes hard to identify. White-collar criminals use their power to avoid prosecution. People in power make rules and laws to benefit themselves. The conflict theory in relation to deviance when such people are accused of such crime they usually have the means and power to hire accountants ,lawyers, and people to help them avoid prosecution and may be referred to as deviant. The society itself believes that all laws are fair and are applied fairly, and, therefore, the society does not dwell on the fact that such laws can be unfairly applied, or it might be just. The differential association is a theory that deals with a white-collar crime that explains that behaviors are based on association and interaction with others. Edwin Sutherland proposed this theory (Friedrichs, 2009). This means that through interaction with other people learn values, motives and techniques that form criminal is behavior. It predicts that individuals can choose a criminal path when law abiding is lesser than law-breaking when it comes to rules. However, this theory fails to note that even with association and interaction people can be independent, individually motivated, and rational and, therefore, can avoid criminal behavior. The rational choice theory explains on both

A Message without Words Essay Example | Topics and Well Written Essays - 2750 words

A Message without Words - Essay Example There are various channels that are used to ensure that public relationships occur and they include newsletters, public appearances, press releases and other mediums like the websites that can reach the globe. Benetton images have been used to deliver various messages to different audiences in the world on themes such as love, fight against discrimination and embracing interracial relationships. This paper will focus on the Benetton image highlighted above and the features that make the image an effective marketing and advertisement tool. It will also focus on the goals of the advert, the integrated marketing communication and the technologies used to ensure the success of the advertising program. The message that would fit the image is â€Å"fighting discrimination and racial segregation in prisons and the entire globe†. This message is described by the picture where we find two hands which are handcuffed together and they are of different races. There is a black hand and a white hand which are handcuffed and they reveal a message that indicates that they are in prison but they have decided to fight against discrimination together. The issue of racial discrimination has been a long and upstanding issue that have affected both the whites and the black Americans and the issue has also been prevalent in prisons where the two groups of people have been fighting against each other. The picture demonstrates that if people would embrace the message in the picture there would be peace, tolerance and love among the whites and black people (Caywood, 2012). The goal of the campaign is to transform the cultural beliefs, stereotypes, perceptions and behaviors that have been influenced by the racial prejudice. The target audiences of the picture are the African-Americans and the white Americans who have experienced racial discrimination and target for hate due to their skin color and their

Introduction To Forensic Science

Introduction To Forensic Science Over the past decades, Forensic science has evolved and has been embraced by most states as a vital constituent of modern legal practice. It is widely used in courts as a major source for the outcome of a verdict. Forensic science has attained a merit of its own although it is relatively new in the jurisprudence world. As technology and science have evolved with time, more and new methodologies and practices in law realm have been established. In United States (U.S.) specifically, the application of utilizing forensic analysis has become a routine (James,2009). The rate at which forensic evidence is used in criminal courts depends on the type of offence. For example, for murder cases forensic science evidence is presented almost always. In criminal cases, a prosecution team commissions most of the forensic assignments. On the other hand, the legal team of the defendant can commission forensic assignments to challenge or check the prosecutions forensic evidence or to determine the innocence of the defendant. Forensic evidence has enabled to link offenders to their victims and crime scenes using physical evidence and also in identifying individuals without peer. With perspiration, a fleck of blood, saliva on a cups rim, a piece of hair among others has been successfully used to link a suspect to a crime. Innocent and wrongly accused individuals have been exonerated using such evidences. Persons who have been jailed for years have later been exonerated after DNA analysis has been carried out to prove their innocence. To yield positive results, crime laboratories have enforced professionalism, adopted reliable procedures and coordinated with both the legal and the scientific communities. Presently, for a scientific system to be accepted before a court, the evidence derived from it does not have to go through a prescribed test. For future admissibility of scientific evidence in court to be shaped, development of more newer and advanced forensic tools and techniques is being embraced as technology and time progresses. Thus, courts are increasingly relying more on scientific evidence to deliver a judgment. Problems Associated with Forensic Science and DNA Evidence. Evidences of forensic science should always be neutral. Scientists should not have any stake in the case outcome though this is not always the case. Numerous deficiencies have threatened to limit forensic services to the society and have therefore weakened its presumed scientific foundation. Below are some of the major problems in forensic science and DNA testing: Astounding Frequency of Cross-Contamination and Sample Mix-Ups A surprisingly high rate of errors in the laboratory is one of the emerging problems which involves cross-contamination and mix-up of DNA samples. Such errors appear to be persistent and crop up even in the accredited DNA labs. The forensic scientists though have managed to reduce such instances and thus the rate of DNA testing errors have been claimed to be low thus negligible, but growing evidence suggests otherwise. Bad Laboratories Uneven state of forensic DNA labs is another recognized chronic problem. Labs differ significantly in the care with which they authenticate their methods and the severity with which they are carried out. Procedures that are followed religiously in quality assurance and quality control in some laboratories are disregarded or followed constantly in others. Bad laboratories have always been there but detection of their shoddy work has always been complex (Neubauer, 2009),. This is because such labs are in jurisdictions which have traditionally safeguarded crime labs from external examination. For example according to Strutin: It is now recognized that the Houston Police Department (HPD) Crime laboratory did grossly inadequate incompetent and biased DNA and serology work for well over a decade before a team of television journalists exposed the problems in late 2002. Dishonest DNA Analysts Test results are at times falsified by deceitful DNA Analysts. This emerging problem has led to the analysts faking test outcome to cover up errors that come up from sample mix-ups and cross-contamination of DNA samples. Connecting the evidence and the suspect Nuclear DNA analysis being an exception, there is no other forensic method that has severely shown the capacity to persistently, with a high degree of assurance, exhibit a connection between a specific individual or source and the evidence. For instance, fingerprint analyses have more available research and conventional protocols than for bite marks analysis. There are also notable variations within the disciplines. For instance, all fingerprints evidence is not equally good reason being that the determination of a true value evidence is the latent fingerprint image quality. These disparities within and between the forensic systems disciplines bring to light a serious problem in the forensic community. Inadequate legal counsel is another major problem DNA testing will not solve. In some instances, defense counsel never consulted scientific experts. DNA Analysis in the forensic science is taking a slow speed on its road to admissibility. Insufficient funds are evident in certain jurisdictions and they therefore cannot send evidence items to private labs or establish own lab. Labs that perform tests have often had backlogs measured in months. A great burden is imposed by defense counsel, prosecutors and courts on labs time in discovery battles that often transpire when there are upcoming new techniques on forensic scenes. Though valuable forensic DNA evidence can be found in decades old samples, the DNA left in scenes of crime can be affected by factors like: sunlight, bacteria, moisture and heat among others. As a result, such DNA may not be used to give evidence and just like the fingerprints, analysts will not use DNA testing to give the time period when a suspect was at the scene of crime or at what time the suspect was there. Exoneration Based on DNA Evidence Cases that would have been impossible to prosecute before the arrival of DNA typing are now prosecuted. A number of states created DNA data bases on offenders that are known which they compare against unsettled crimes. Matches are provided from their databases which assist to successfully prosecute a handful of them. Persons wrongly convicted are exonerated by use of DNA which is termed as a legislative reform movement. Convictions can be successfully challenged using DNA analysis on existing evidence. To ensure that testimony and results can withstand rigorous examination and that they are of high caliber, high standards are maintained for the collection and preserving of evidence. DNA methodology of testing must also meet precise scientific criteria for accuracy and reliability. In future, we expect miniaturized portable instrumentation to provide crime scene analysis that will be computer-link remote analysis. This will allow quick identification and rapid elimination of innocent suspects. Availability of markers will also be needed to identify physical qualities of the DNA contributor. Using this information, it will be easy to narrow a suspect search with increase in efficiency and accuracy of operation. Conclusion It is clear that the United States justice system depends on the use of natural science-based forensic evidence, and admissibility is simply one of the steps evidence must satisfy to be utilized in the justice system. In the near future, it is very likely that the admissibility of science as evidence will be challenged in the United States Supreme Court as technology develops and allows researchers to gain precise results and understanding of the human body. At the present, it is too early to determine whether the Federal Rules of Evidence are outdated, however this does not mean that the construct of the legislation should not be reexamined. Forensic analysis, though controversial in many aspects, constitutes a primary source of information for the tier of fact when determining a verdict for a case. Thus, natural science-based forensic evidence should be carefully studied and examined thoroughly in order for justice to be properly achieved.

The Gay Marriage Controversy Essay -- Same-Sex Marriage Essays

Marriage has been an important part of life since the Biblical times. It usually consists of the union of a man and a woman, but for gays and lesbians, it is the union of two men and two women. On June 26, 2015, the US Supreme Court ruled that the US Constitution guarantees the right for same-sex couples to marry. Many conservatives are completely against gay marriage and they have stated that they will fight to have the Supreme Court ruling overturned. Legalizing gay marriage is a very difficult issue for much of society to accept. Some of the controversies with gay marriage are religious beliefs, equal rights, legal ramifications, a fight for acceptance and the freedom to practice their lifestyles openly while society can contend that gay marriage is a bad idea for the sake of procreation, because the consequences far outweigh the benefits. We can concede that the emotional stigma associated with gay marriage makes it more difficult for children to fit societal standards. First of all, there are many reasons that are given to refute why gay and lesbian marriages should be a part of our society. Marriage in this country is defined as the union between a man and a woman, but over the past couple of years there has been much controversy over the true meaning of marriage. For the vast majority of professing Christians today believe that the Bible teaches that monogamy is the only acceptable form of marriage and that gay marriage violates God's commandments concerning marriage. According to Cardinal Joseph Ratzinger, in July 2003, the Vatican stated, â€Å"There is absolutely no grounds for considering homosexual unions to be in any way similar or even remotely analogous to God’s plan for marriage and family†¦ Marriage is ... ... Works Cited Keenan , Jill. "Legalize Polygamy!." Slate. 15 April 2013: n. page. Web. http://www.slate.com/articles/double_x/doublex/2013/04/legalize_polygamy_marriage_equality_for_all.html Mello, Michael . Legalizing Gay Marriage. Philadelphia, PA: Temple Univ. Press, 2004. Print. ProCon.org. "Gay Marriage.† ProCon.org.Web 3 Dec. 2013. http://gaymarriage.procon.org/view.resource.php?resourceID=004857 Robson, Ruthann. Gay Men Lesbians And The Law. New York: Chelsea House Publishers, 1997. Print. Sean, C. R. . Same-Sex Marriage in The United States: Focus on the facts. Lanham, Maryland: Lexington Books, 2004. Print. Stanton, Glenn T., and Dr. Bill Maier . Marriage On Trial. Downers Grove, IL.: InterVarsity Press, 2004. Print. Wardle, L. D. . Marriage and same-sex unions, a debate. Westport, Connecticut: Praeger Publishers, 2003. Print.

MBA Admissions Essay -- MBA Admissions Essay

MBA Admissions Essay After graduation from KOREA University, I decided to enter Hyndai MotorCompany(HMC), which is the largest Korean car manufacturer and global player, to pursue a career as an international businessman. In January 1991, I joined Domestic Finance Team of HMC. My specific assignment was to plan monthly and annual financial schedules for HMC's domestic funding needs. About two years later, in January of 1993, I was transferred to Retail Finance Team from Domestic Finance Team and responsible for financing by the sales and factoring of Car Receivables. First Challenge the expertise for strategy formulation implementation within a changing business environment. In May 1994, I was selected as a member of Task Force Team that prepare to set up HMC's own finance company. During my six-month assignment, I worked under pressured time constraints. After lots of conflicts with Ministry of Finance and Economy, we got government approval in late 1994. This opportunity provided me with valuable experience in every aspect of business and team experience. Working with the extremely qualified and professional upper management was valuable in shaping my career goals. Especially, during my business trip to Hyundai Motor Finance Company in CA, USA, the international exposure increased my confidence and desire to pursue a career in international business. After the expiration of the Task Force, I was given the option between joining the newly established Finance Company and remaining in HMC. At that time, International Finance Team(IFT) offe red to work together with them. I accepted the proposal because I wanted to further expand my international exposure. Second Challenge the enhancement of the global perspective and strategic vision required to successfully compete in a globalized business setting. In January 1995, I was trasferres to IFT and took over two jobs of financing Foreign Direct Investment and Investor Relations. In march 1995, HMC was planning the biggest foreign direct investment in India ever since the failure in canada, and I, together with my two subordinates, was responsible for project. Despite the fact that only three months had passes after taking a new position. I could carry out the complicated processes on the project. partly owning to the past force team experience. Third Challenge : Throughout my wor... ... The program is clearly not a perfect substitute for experience, but I believe it would program would also allow me to further research my business ideas through the experiences of my peers, independent study, and related summer employment. This would let me have a deep understanding, as I hope, of financial and other market structures, competitiveness, and other factors that a consultant needs take into account when recommending whether to pursue a career as an international business consultant. My long-term professional aspiration is to enter the field of international management consulting. A MBA from your school in interdisciplinary studies will enhance my understanding of all aspects of business. This will contribute significantly to becoming effective in the consulting profession. I am extremely enthusiastic about the future of International Business. I believe that there are major breakthroughs yet to be made in the field. After completing a MBA in your school, I hope to gain practical experience and exposure with a major international business firms. Eventually, I wish to establish my own consulting company providing various financial and managerial services.

The researchers built their study

The research article by Suniya Luthar, Karen Shoum and Pamela Brown (2006) entitled â€Å"Extracurricular involvement among affluent youth: A scapegoat for ubiquitous achievement pressures† attempted to determine the extracurricular involvement of high status secondary students and how this affected their academic performance and whether it was directly the source of the pressure to achieve.The researchers built their study on the notion that children from affluent communities are overscheduled and have too many things to accomplish at a given day because it is expected by their parents.They said that children’s involvement in extracurricular activities are imposed by their parents and thus places undue stress and pressure for the student to succeed and achieve. Although, some researchers had found evidence to support the assumption that involvement in extracurricular activities improved academic performance as groups, clubs and teams provide opportunities for healthy c ompetition fostering the need to achieve as a desirable motive for subsequent endeavors.Moreover, the researchers mainly focused their attention to affluent children or students who come from affluent families because they are more likely to be pressured by their parents to succeed. At the same time, affluent students have more chances of cultivating their interests in extracurricular activities because they have the resources to do so.  The authors defined extracurricular involvement as the degree to which students participate in activities that are not directly associated to their academic performance and has no bearing on their academic grades and is conducted outside of regular school hours with the presence of a coach or trainer. Extracurricular involvement was measured in terms of four broad categories; sports, arts, academics and civic.The researchers hypothesized that upper class students are overscheduled and thus have more adjustment issues, however, they were more incli ned to believe that hours spent in extracurricular activities are not to blame but the family processes that are related to academic achievement are the cause. The family processes include parent’s emphasis on achievement; parental criticism, high achievement expectations and values that promoted getting ahead of others, lack of adult supervision after school and how often children ate dinner with parents.The methods used to test the hypothesis of the researchers were varied; they used self-report questionnaires to obtain information on maladjustment indicators such as depression, anxiety, and substance abuse, while they used school grades and teacher rating behavior to measure academic performance and behavior.The researchers also used a two dimensional framework in assessing their research outcomes, examining extracurricular activities and involvement per se, and how extracurricular activities competed with the measured family outcomes.The results of the study indicated tha t there were minimal links between extracurricular activities and pressure leading to adjustment problems. The researchers found that there is a weak relationship in the time spent in sports, academic, arts and civic activities to that of behavioral maladjustments and competence.The researchers however found evidence that supported the hypothesis that parental expectations were more detrimental to the student’s adjustment. It was found that parental criticism and lack of adult supervision had a more negative effect to student behavior than other variables.

Every child is special Essay

Every child is special. Every child has its own personality. Every child tries to endeavor and focus best in its life. Primarily, every child has its own dreams. But the main factor to ponder is, for us to understand his/her dreams. And the truth is, we lack stability, patience and understanding as far as the child is concern. The movie, Every Child Is Special, was about a certain child named Ishaan Awasthi. Ishaan was a talented child; he can think outside the box and paint with such passion and creativity. But he was not understood by his teachers, he was only thought of as a mischievous and a very naughty boy. He was often called an â€Å"idiot, duffer, lazy and crazy†, even his parents didn’t understand him. They only thought that the boy was misbehaving because he did not want to go to school. It is perhaps the structure and restrictions of the normal expectations of the school system that rub him the wrong way, because one day, after having been punished by being sent by the teacher to stand in the hallway, he goes AWOL and wanders the streets, savoring the exciting sights of tourist-film India. He appears to be somewhat hyperactive. If his parents attempted to have him tested, it may be that he never sat still long enough to get a diagnosis. After finding out that Ishaan will be kicked out of school after the school year, his parents decided to send him to a boarding school where Ishaan suffered more from his strict teachers. These incidents crushed Ishaan’s confidence in him and he became depressed, very depressed. He did not speak to anyone, not even to his mother or his brother. No one would even try to help him because they did not try to understand him. Luckily he met Ram Shankar Nikumbh, the temporary art teacher, saw himself in Ishaan, he stayed persistent to help Ishaan in his studies and his life. Through his unconventional teaching methods and graceful presence, Ishaan’s attention was caught up. Ram did everything to understand Ishaan’s problem in reading and writing, he consulted Ishaan’s parents and told them that Ishaan has dyslexia, wherein he finds it hard to recognize letters and numbers. I love where he tells Ishaan’s father that in the Solomon Islands, villagers don’t chop down a tree when they want to clear land, but curse and hurl abuses at it, and the tree withers and dies soon after. Ram helped Ishaan in every way, first he gave Ishaan a confidence boost so that he will not be afraid to express  himself, and then, he also gave Ishaan lessons in writing, reading and in math. Ram taught Ishaan using different methods, he made learning fun by applying games to his lessons. Gradually, Ishaan begun to improve in his studies, he has now little trouble in reading, he can right properly and can solve math problems. Teaching should not only be done in one way, we should use different ways to teach our students because each and every one of us has a unique and special talent. It is also good to understand the needs of our students, let them be free – free to imagine, free to learn in their own special way. Listen to your students opinions and learn from it. Somehow the movie touched in an exceptional way and it broke my heart seeing that the dear people that child thought would understand him were the very ones who judged him and failed to understand his problem. But I cannot really judge the parents though, all they wanted was the best for their child that is why they tried so hard to push him and discipline him at the same time. It tug the heartstrings and at the same time gives hope that having dyslexia is not a desperate and in hopeless situation. To help the students, family support, teacher’s patience and love is needed, so with the interesting and enjoyable teaching and learning strategies should be employed. The theory of multiple intelligences in education plays an important role here and that can be a vessel in informing the teachers and most importantly the parents for them to assist their children. With time, patience and care, he ultimately helps Ishaan find himself and the harsh father realized his child’s wo rth and needs.