Perfection Era Research Paper Example | Topics and Well Written Essays - 750 words

Perfection Era - Research Paper Example Given such statement, women was regarded to be the light of every home. Each woman sees to it that their time is primarily devoted to their families and that culture made them the greatest possesion of every home. Thus, relative to this, it also shows that women is knowledgeable, skillfull and dedicated enough to do whatever task is attended to her which therefore confides that such notion can never be set aside and women can strike to deliver great changes. Consequently there was a paradigm shift on this as women started to make their own marks in the industry. One of which is in the world of literary arts. Not only that women excelled as novelists of their time but also women took efforts in teaching and nurturing in the academe of literary arts. This urgency stirred the liberate side of women as they can expressly divulge themselves through the novels, journals and articles that they write. Thus, it also restrained them due to the demands of their responsibilites for their familit ies alongside with the duties that their careers expects from them. They have to balance both responsibilities unto their hands which gave them extra challenge as they face their lives. Likewise, as women slowly unfolds diversities and starting to make a difference, abolitionists also quirked their thirst for accomplishing better. During the second great awakening, abolitionists did end the slavery days of the slaves. Social, political and religous concerns were brought up in a more provocative manner. They took a stand to voice out and fight for what they believe is in the realms of being humane and rightful. Pervertively, such actions also triggered social problems that somewhat worsen the situation due to the abrupt provocative fight of abolitionists. One evident example of the role of the second great awakening in the accompishments made by women and abolitionists is this, â€Å"1834 had been the year of the Lane debates and the Lane rebels much discussed in the abolitionist pr ess. Mob violence against abolitionist speakers and literature was everywhere. In August 1835, Angelina GrimkA © addressed the Anti-Slavery Convention of American Women at the Hall, while a mob stoned the windows. That night, mob arsonists burned the brand new Hall to the ground. I started out by saying that I would discuss the role of Seneca County in these movements, and here we are dwelling upon the southerners, Sarah and Angelina GrimkA © and the burning of Pennsylvania Hall in Philadelphia in 1838†( Second Great Awakening n.d.). This shows that the awakening aggrevated the rallying emotions of the people. What seemed to be the exuding genuises of the abolitionists somehow thwart the opinion of the resisters. We can now therefore conclude that women and abolitionists are seemingly quiet at first but when time gave them the chance to be heard everything turned upsidedown. Thus, its a good way of promoting equality and equilibrium in the society. One cannot truly say tha t a specific gender or group is superior than the other. We are made equally therefore we should all be treated with equal chances. With what happened in the second awakening it opened the avenue for more democratic state of the people. From the slightest thing up to the most

The purpose and history of penitentiaries Essay Example | Topics and Well Written Essays - 750 words

The purpose and history of penitentiaries - Essay Example Thereafter, the Samarian records stated that an individual was to face death penalty for murder trials. In the â€Å"Law of Eshunna†, the punishment was based on a person’s social class; that is, those of the lower class were punished differently from those in the upper class. This law covered every aspect of a person’s social life which included divorce, marriage, and loans. This essay will there discuss the purpose and history of penitentiaries in depth, giving an analysis on how some people were punished for their wrong deeds. During the ambitious age of reform that came after the American Revolution, as a new nation, America was inspired to make a profound change in its public institutions. The country was also inspired to become the world’s example in social development. All the current American institutions; educational, governmental, and medical, were revolutionized during this time by the humanistic and rational principles of Enlightenment. From all the mentioned innovations during this period, the American democracy was the most influential. Second on the list was the intellectual export in prison reform and design (Colvin, 1997). Most prisons in the U.S during the 18th century were simply in form large holding pens. In these prisons, men and women, adults and children, and murderers and petty thieves, had their issues and affairs sorted out behind locked doors. Mutilation and physical punishment were so common during this period, and prisoners being abused by overseers and guards were totally assumed. In 1788, a group of famous and powerful Philadelphians converged at the home of Benjamin Franklin. These members of The Philadelphia Society for Alleviating the Miseries of Public Prisons expressed their concern about the poor condition of American prisons. Dr. Benjamin Rush talked the goal of the Society, which was to ensure that the Commonwealth of Pennsylvania sets international standards for the prisons. He proposed a radical idea which was to

American Eagle Marketing Research Paper Example | Topics and Well Written Essays - 750 words

American Eagle Marketing - Research Paper Example Airline operation is dependent upon many related entities; the primary ones are airport authorities which allow the airlines to carry out the operation at the particular station. The catering service providers along with aircraft equipment manufacturers and suppliers also play contributory role in the operation. In case of American Eagle, it is quite possible that the flight frequency is restricted at a particular station. The aircraft manufacturer may also enforce strict conditions for aircraft maintenance. Customer’s Bargaining PowerAviation industry is strongly characterized by time based fares which enable the customers to fly cheap if they plan their journey well ahead of time. The threat of customer’s bargaining power is limited as the pricing is purely online and regulated by International Civil Aviation Organization (ICAO).Threat of SubstituteIt is a serious point of consideration for American Eagle as many low cost carriers can threat its profitability. It goes without saying that there is no substitute of air travel in the aspect of time and ease. The drawback can be in terms of connections to multiple stations and the facilities provided during transit if direct flight is not operated.Threat of New EntrantAs mentioned earlier, entry of new low cost carriers can threaten the business of American Eagle. The low cost carrier saves cost on catering, in flight entertainment and baggage limit. They focus on the basic requirement of air travel which is quick transportation of individuals and baggage.

Competency Goal Functional Areas Essay Example for Free

Competency Goal Functional Areas Essay To establish and maintain a safe, healthy learning environment. I keep children healthy by monitoring their health daily. I ask if they have any boo boos and if so how they got them and I put them on a daily health list, I also do this by carefully observing children, watching for signs of illness, making sure immunizations are up to date. I also keep children healthy by keeping the room clean. Children are informed and able to make good decisions on how to stay healthy like washing hands after going to the bathroom, blowing their nose or coughing into their hands, when we come in from outside and before after lunch. I also keep children safe by creating and environment where children gain the knowledge that allows then to make appropriate choices. I make sure activities are safe and developmentally appropriate. The children are encouraging to make good choices by having discussions, giving lessons, and reading books that talk about safety issues I try to create a fun and safe environment where children can learn and grow. I provide and age appropriate environment for the children. I do this by preparing a weekly lesson plan, providing activities for children of all developmental levels. I have activities that are for inside the classrooms which are for gross motor skills such as bean bags, musical instruments, dance music, and all sizes of blocks. I also have fine motor activities, such as large and small beads to string, Lego’s, locking flowers, stencils, scissors, crayon and markers. I also allow time for the children to practice writing skills like their names and letters also to draw beautiful pictures. Competency Goal 1 Functional Area 1: Safe In order to help provide an environment which is safe for the children in my care, I do the following to prevent and reduce injuries: I keep all cleaning supplies and chemicals locked up and out of the children’s reach, to avoid poisoning or other injuries. I am also certified in First Aid and CPR which give me the knowledge to handle any injuries or accidents. I am familiar with the classroom and center emergency evacuation procedures in case of a fire or other emergency. I maintain an easily accessible and current list of emergency numbers and also all the parent numbers. I inspect all toys and equipment, frequently throughout the day to ensure that they are safe for use. I teach safe use of playground equipment. Functional Area 2: Healthy In order to provide and environment that promotes health, and prevents illness and which teaches children about good nutrition and practices that promotes wellness, I do the following: I keep the toys and the rooms clean. I wash my hands and wear gloves before and after handling food. I wear gloves if and when children need help when going to the bathroom, cleaning their noses; in order not spread germs. I also teach the children how to wash their hands after using the bathroom, wiping their nose, coming in from outside, while letting them know how important, it is to washing their hands. I also follow centers’ policies for sick children to prevent other illnesses from spreading throughout the center. I also read books about health care and talk about going to the Doctor and Dentist. I also share the importance of healthy foods like fruits and vegetables.

Essay --

Sustainability is defined as the ability to be sustain, support, uphold, or confirm which my group and I were able to present during our presentation. We were assigned to 13.53 acres of land, ten single family homes, two sets of five townhouses, food and a playground. Our land had one identifiable feature which was a stream that ran around the length of our property and crossed over occasionally. We made sure that our power lines were underground and that during construction we put in drainage ditches. Our ten single family homes carried around thirty people who would live in them. Our two sets of five townhouses carried around twenty people who would also live in them. Each single family would have three solar panels. Each townhouse would have fifteen solar panels, and all houses would carry compost toilets. Lastly, our playground is right around the corner from our housing complex. The playground is also completely made from recycled material. Instead of using things to power up out energy we would use natural resources to power up things in order for it to be beneficial. Our 100...

Love from a Romantic Perspective in the Poems Essay

â€Å"Romantic† – this word holds many different connotations and brings to mind a collection of different images. It can be â€Å"fanciful, impractical, unrealistic†; it can be â€Å"ardent, passionate, fervent†; and it can be â€Å"imaginary, fictitious, or fabulous†. According to the dictionary, â€Å"romantic† is an adjective characterized by a preoccupation with love, or by the idealizing of love or one’s beloved. In the three poems I have chosen – â€Å"Let me not to the marriage of true minds† by William Shakespeare, â€Å"La Belle Dame Sans Merci† by John Keats and â€Å"Piano† by D.H. Lawrence, the poets use a variety of linguistic and literary devices, as well as explore different themes and imagery, to present love from a â€Å"romantic† perspective. The â€Å"romance† portrayed in the three poems may be distinct to each other, but is without a doubt something that idealizes love, that elevates the subject of love onto a pedestal. The poems â€Å"Shall I compare thee to a summer’s day?† by William Shakespeare, â€Å"First Love† by John Clare and â€Å"Remember† by Christina Rossetti also depict love in a romantic light. I will examine exactly how the poets do it – how the poets ingeniously present love from a romantic perspective in their poems. Firstly, â€Å"Let me not to the marriage of true minds† – also known as Sonnet 116 – is one of the most famous in William Shakespeare’s collection of sonnets. It demonstrates the glory and invincibility of love, and is a poem addressed to a mysterious â€Å"Fair Youth†. The sonnet proposes the idea that true love will always persevere, regardless of any obstacles or troubles that may come. Shakespeare employs various literary and linguistic devices to present love from a romantic perspective and portray it in a divine light. Shakespeare uses metaphors and imagery to idealize love, presenting the subject romantically. The lines â€Å"It is an ever-fixed mark / That looks on tempests and is never shaken† and â€Å"the star to every wandering bark† portray love as a permanent guide, something unwavering and definite that will always be there. The idea that love is a guiding star has been used in countless poems by many different poets, but Shakespeare puts a unique emphasis on this imagery. The main metaphor of the sonnet is that love is like the North Star, which never changes position in the night sky – it has been a stable point used for navigation for centuries, and by using such a comparison, Shakespeare portrays love as the star that shepherds people through life. The â€Å"tempests† that trouble the seas are a metaphor for the obstacles that relationships may have to face, and the â€Å"wandering bark† personifies the lost ship, as if it has a purpose and is looking for something. â€Å"Wandering bark† is also a metaphor for a lover being led, by love, out of the boisterous sea of life. Through the use of nautical imagery, Shakespeare presents love from a romantic perspective by creating a vivid scene of a ship lost in the turbulence of a stormy sea, with a serene, unmoving star as a guide above. The poet also explores the themes of time, age and death to glorify love, hence presenting it romantically. Elizabethan readers of Shakespeare’s sonnets are familiar with the Grim Reaper, the icon of European culture in the medieval period when many died every day due to the Black Plague. The Grim Reaper is a horrifying character who bears a scythe, skeletal and macabre. However, in Sonnet 116, Shakespeare expresses that the Grim Reaper can actually be defeated by love – again depicting the intrepidity of it. â€Å"Love’s not Time’s fool, though rosy lips and cheeks / Within his bending sickle’s compass come:† personifies love and time, claiming that Love will not succumb to Time. â€Å"Sickle’s compass come† uses the plosive sound of â€Å"k† to mimic the harsh sounds of a death rattle – it is onomatopoeic. In the lines â€Å"Love alters not with his brief hours and weeks, / But bears it out even to the edge of doom.†, the â€Å"his† refers to Time, and Shakespeare is emphasizing the prowess of love by showing that Time has no effect or control over it. This lifts â€Å"love† onto a pedestal and portrays it in a romantic light. Similarly, Shakespeare also employs the themes of time and eternity to glorify love in another one of his most famous poems – Sonnet 18, â€Å"Shall I compare thee to a summer’s day?†. In this sonnet, the speaker compares a â€Å"beloved† to a summer’s day, and says that the beloved’s eternal summer will never fade, that the beloved would be kept alive forever by the poem. Once again, Shakespeare personifies death, this time as the one who oversees a â€Å"shade† – Shakespeare writes that the beloved will conquer all and will not be swept into this sickly light of Death. Thirdly, Shakespeare’s use of iambic pentameter and rhythm also elevates the subject of love and presents it from a romantic perspective. The sonnet manages to have a consistent rhythm, yet seem conversational; it is able to be formal and planned, but casual and spontaneous at the same time. This is achieved through Shakespeare’s ingenious use of rhythm and pacing. The iambic pentameter becomes very obvious after the third line, â€Å"Which alters when it alteration finds†, thus creating a consistent pacing. However, the poet uses dramatic exclamations to break up the rhythm, making the speaker seem more human than a machine – an example would be, â€Å"O no! It is an ever fixed mark†. The metaphors and imagery used all weave a sophisticated sonnet, but the actual language is very simple, making the sonnet easy to read and the claims well-illustrated. The closing two lines, â€Å"If this be error and upon me proved, / I never writ, nor no man ever loved.†, is a rhyming couplet that is full of impact. The couplet again immortalizes love and praises it with glory, an epitome of presenting love from a romantic perspective. William Shakespeare’s Sonnet 116 is one of the most famous poems that immortalizes love. I think it definitely successfully presents love from a romantic perspective, using a variety of devices. Even after dissecting the poem and analyzing each of the aspects respectively, I am still overwhelmed by the general sense of romance that comes through, instead of being focused on the mechanics and functions of words and phrases. I feel that the â€Å"romantic† sense in Sonnet 116 is that of an idealization of love, and Shakespeare crafts it beautifully. The second poem I will investigate is â€Å"La Belle Dame Sans Merci†, a ballad written by John Keats in 1819. It is a poem that also presents love from a romantic perspective, though in a different way. In this poem, the â€Å"romance† that is portrayed is passionate and fictitious – something akin to a magical myth. The title of the ballad translates to â€Å"The Beautiful Lady Without Pity†. John Keats had taken inspiration and the title from the early fifteenth century French poem by Alain Chartier, though the narratives of the two poems are different. John Keats chose this phrase to use as the title of his ballad to highlight the storyline of a seductive woman who tempts a man of honour from the real world and abandons him with unfulfilled dreams, drained of life. The theme of dangerous and unrequited love is explored in the poem. John Keats is well known for being one of the most prominent poets of the Romantic era, and â€Å"La Belle Same Sans Merc i† is one of his most famous poems. John Keats plays with floral imagery to present love from a romantic perspective. Flowers are beautiful and delicate things that are often given as gifts and expressions of love and romance – and by using flowers as symbols for different meanings in the poem, Keats portrays love in a romantic light. In line 9, the speaker says to the knight, â€Å"I see a lily on thy brow† – lilies are pale white and are often associated with death in the Western culture, and this is a metaphor expressing that the knight looks sickly and deathly pale. Another obvious use of floral imagery to romanticize love is seen in lines 11-12, â€Å"And on thy cheeks a fading rose / Fast withereth too.† Roses are often associated with love in the Western culture, and the knight’s rose â€Å"fading and withering† holds connotations of the ending of a romantic relationship. However, the rose, like the lily, is also describing the knight’s complexion – the colour is fading from his cheeks. In these two lines, Keats cleverly employs the rose as a symbol for both the knight’s pale face and waning love. Lastly, in lines 17-18, the knight makes a garland and bracelets out of flowers for the faery’s child. Flowers hold connotations of beauty, love and life, and the knight adorns the woman with them – Keats uses the flowers as a symbol to show the intensity of the knight’s love for her. Another image that is repeatedly explored in the poem is â€Å"paleness†, and this paints love in a romantic sense as it highlights the melancholic and dramatically destructive aspects of love. In the beginning of the poem, in line 2, the paleness is already established by the speaker – â€Å"Alone and palely loitering†. This line has the alliteration of the consonance â€Å"l†, and this creates a musical sound that emphasizes the phrase, especially drawing the readers’ attention to the rarity of using â€Å"pale† as an adverb – â€Å"palely†. An internal rhyme is also created, as â€Å"palely† rhymes with â€Å"ail thee† from line 1 – again, this highlights the phrase and enhances the â€Å"paleness† of the knight, underlining the romantic melancholy of the knight. In the lines 37-38, the word â€Å"pale† is used three times in just two lines. When the knight is describing his dream, he speaks of â€Å"pale kings† and â€Å"pale warriors†, who were all â€Å"death pale† – the images painted in the readers’ minds are drained of colour and life, and the â€Å"paleness† is now explicitly associated with death. Lastly, in the lines 37-40, â€Å"pale† is repeated to accentuate the similarities between the word and the words â€Å"all†, â€Å"belle†, and â€Å"thrall†. The consonance creates a connection between all the words when they are read aloud, and makes the readers think whether the â€Å"belle dame† could’ve been the cause of the â€Å"paleness† of â€Å"all† the knights, warriors and princes she had in â€Å"thrall†. This clever manipulation of â€Å"paleness† reinforces the sense of a â€Å"story† in the ballad and enriches the romance within, presenting love from a romantic perspective. In addition, John Keats utilizes the â€Å"lyrical† sense of the ballad format to elevate the romance in the poem. â€Å"La Belle Dame Sans Merci† has the typical features of a ballad, and when read aloud, it is similar to a folk song. The words have a continuous, uniform rhythm that sets an underlying beat, and the literary devices employed – such as alliteration and rhymes – create a harmonious sound. The ballad also has a â€Å"circular structure† – it begins and ends similarly, with â€Å"The sedge has wither’d from the lake, / And no birds sing.† as the ending of the first stanza, and â€Å"Though the sedge is wither’d from the lake, / And no bird sing.† for the last stanza. This seems to make â€Å"La Belle Dame Sans Merci† appear more like a song than just a plain poem. Because of this musical sense that is added to the poem, John Keats puts the subject of his poem – love – onto a pedest al and portrays it romantically, akin to a love song. Lastly, the imagery of dew and water is used to intensify the danger of women in the poem, and this in turn portrays love in a fatal sense, rivetingly romantic. Women were often associated with water in medieval romances, and John Keats used this tradition in his medieval folk ballad. This symbolic tradition is a metaphor for men who become weakened after contact with dangerous women. A reference to water is already used in the beginning of the poem – in line 3, the speaker identifies death and â€Å"wither’d† with water – â€Å"The sedge has wither’d from the lake†. A lake does not flow like a river or a spring; it is stagnant and void of life. This already creates an ominous mood that hangs over the rest of the poem, and emphasizes the catastrophe that love has done to the knight. In line 10, the unnamed speaker says that the knight’s face has â€Å"anguish moist and fever dew† – the knight is sweating from a fever. This again demonstrates that the knight is physically ill from love, and also makes the reader wonder where he caught the fever. The readers seem to find the answer later on, when â€Å"dew† is repeated – the faery’s child fed the knight â€Å"manna dew† in line 26. â€Å"Manna† is heavenly food – but it was not originally food that is eaten as â€Å"dew†. John Keats wrote that the manna was in liquid state to add to the continuous metaphors used throughout the whole ballad. John Keats seems to hint that women are gentle and soft like water, but when men came into contact with them, they could suddenly become rash and vicious. Women are dangerous and unpredictable like water. This metaphor makes love seem thrillingly romantic; exhilarating – it delineates love in a romantic light. Another poem that echoes this idea of men becoming weakened by women and love is â€Å"First Love† by John Clare. This poem is about the poet’s first and seemingly unrequited love. John Clare uses the imagery of â€Å"deathly paleness† to show the destruction of love, too – he writes, â€Å"My face turned pale as deathly pale†. Clare also explores the aspect of becoming physically ill from dangerous love, just like Keats’s portrayal of love in â€Å"La Belle Dame Sans Merci†. Clare writes, â€Å"And blood burnt round my heart†, claiming that he was in physical pain – similarly, John Keats writes that the knight has an actual fever from his deleterious love. When I was comparing the poems, â€Å"La Belle Dame Sans Merci† and â€Å"First Love†, I was surprised and very intrigued by the similarities between them. Both poems seem to draw out the most fatal features of love, describing it as something that would drain men of life. I am engaged by the way they depict the thrilling qualities of love with corresponding images, and it is fascinating to see that the poets have chosen to portray love in a romantically dangerous light after analyzing the idealized â€Å"true love† in Shakespeare’s sonnets. The third poem I am going to analyze is â€Å"Piano† by D.H Lawrence. The love portrayed here is not that of a romantic relationship between a man and a woman, but that of a relationship between Lawrence and his mother. The poet begins the poem with an enchanting evening, where music brings back memories of his beloved mother – he then borrows the idyllic atmosphere of the evening to describe his reminiscence, hence presenting love from a romantic perspective. Even though the poem does not depict a relationship of â€Å"romance†, it does render love in a nostalgic and sentimental sense. â€Å"Piano† is a poem where the single speaker is listening to a woman sing to him, and the music brings him back to dwell in the memories of his childhood. The speaker remembers fondly of the times when his mother sang to him whilst playing the piano. In the end of the poem, the memory of the past overwhelms the present. As a man, the speaker should be more enraptured by the passionate singing of the woman, but his memory conquers his manhood as he loses control of his emotions. The speaker remembers his mother’s singing with tears on his face – he becomes a child again. The first line of the poem already creates an overall romantic atmosphere. â€Å"Softly, in the dusk, a woman is singing to me†. The word â€Å"softly† casts a gentle and tender tone to the following lines. The diction of the word â€Å"dusk† holds connotations of a peaceful warmth, an enigmatic and mysterious twilight, painting an image of a soothing glow in the minds of the readers. This first line sets the mood of the poem and creates a romantic background for the remaining lines of the poem to be based upon. The use of romantic atmosphere is also demonstrated in the description of the climax of the singer rising to a crescendo – â€Å"So now it is vain for the singer to burst into clamour / With the great black piano appassionato. The glamour†. The language is powerful and passionate. The memories of the speaker’s childhood also create a warm and secure ambience that forms a lingering feeling of romance. In the final line, â€Å"Down in the flood of remembrance, I weep like a child for the past.†, the diction of â€Å"flood† and â€Å"weep† craft a romantically melancholic atmosphere. Likewise, in the poem â€Å"Remember† by Christina Rossetti, an atmosphere of romantic melancholy is also explored to present love from a romantic perspective. The poem depicts a somber aspect of love by featuring the theme of death, and glorifies love by making it seem beyond death’s darkness. D.H. Lawrence also uses sibilance and assonance to portray love in a romantic perspective. The repetition of the â€Å"s† sounds in the opening line intensifies the feelings of romance as well as intimacy. Furthermore, assonance is used in the first two lines of the last stanza – â€Å"So now†¦clamour†¦glamour†¦Ã¢â‚¬  – the long â€Å"o† sounds depict the musical climax of the singer’s performance in a romantic sense. Sibilance is again used in the line â€Å"smiles as she sings†, and the repeated â€Å"i† sounds in the line create the facial effects of a smile when read aloud. This intensifies the romantic feeling of the poem as it emphasizes the speaker’s mother smiling and singing, and brings to mind images of affection and tenderness. Tone and language are also employed to present love in a romantic perspective. The language used can be called conversational, and is definitely very intimate. It is that of a narrative, as if the speaker is telling a very personal story. By starting the poem with â€Å"Softly†, the poet creates a romantic longing for the past, as the word has a semantic field of tender fondness. The warmth in the tone when the speaker is describing the childhood scenes also creates romantically nostalgic images in the minds of readers. In the fourth line of the first stanza, â€Å"And pressing the small, poised feet of a mother who smiles as she sings†, the repetition of the plosive â€Å"p† highlights the rhythm of the piano, as well as the intimacy between the son and the mother. Additionally, other techniques that are used to present love from a romantic perspective include repetition and metaphors. â€Å"Piano† is repeated in each stanza, making the image consistent through the whole poem – the piano then becomes a romantic symbol for the speaker’s love for his mother. The word â€Å"tinkling† in the second stanza can be seen as a repetition of the â€Å"tingling† in the first stanza, and this use of onomatopoeia creates a pleasant sound when read aloud, adding to the sentimental mood of the poem. â€Å"Weeps† is used in both the second stanza and the last stanza, and the repetition accentuates the speaker’s need and longing for his mother that seems romantically sad. In the poem, the poet also uses â€Å"vista† as a metaphor for â€Å"memory† – a vista is a beautiful view seen through a long and narrow opening, and this creates a bewitching image in the readers’ minds of scenes fr om a childhood spread out across a landscape. Similarly, the poet also writes, â€Å"the flood of remembrance† – in the diction of â€Å"flood†, the writer creates an image of an unstoppable overwhelming of emotions, and it is this uncontainable quality that adds to the romantic nostalgia. Metonymy is also used – â€Å"feet† represent the speaker’s mother. The scenes created in the readers’ minds seem to feature a faceless mother, focusing on the â€Å"child sitting under the piano†¦pressing the small, poised feet of a mother who smiles as she sings†. The mother’s face is not described – the only feature of the mother that the readers envision is her feet and her smile. This adds a romantic quality to the poem as it puts the world in a small child’s perspective, and gives a somewhat enigmatic aura to the mother and also expresses the fractured, dreamlike qualities of a memory. The â€Å"small, poised feet† of the mother portray her in a gentle and delicate light, and intensifies the overall romantic perspective of motherly love in the poem. In conclusion, the three poems – â€Å"Let me not to the marriage of true minds†, â€Å"La Belle Dame Sans Merci† and â€Å"Piano† – all display a variety of different techniques to present love from a romantic perspective. All three poets use literary and linguistic devices such as metaphors, sibilance, assonance and more. The three poems accent love with romance, whether it is a conventional man-woman relationship or mother-son relationship. The term â€Å"romantic† is explored by each of the poets: William Shakespeare immortalizes true love and makes it seem perfect and omnipotent; John Keats adds a vital, riveting quality to love and D.H. Lawrence examines the subject through a lens of nostalgia. After analyzing these three poems, I realized that the human experience of love has moved poets, throughout the centuries, to express the nature of love romantically. Love is depicted as fanciful, dreamy, impractical; invincible, passionate, immortal. Poets have a desire to eternalize the subject of their poems – whether it is their beloved, or love itself. It is as William Shakespeare writes in Sonnet 18, â€Å"Shall I compare thee to a summer’s day?† – â€Å"So long as men can breathe, or eyes can see, / So long lives this, and this gives life to thee.† I agree with Shakespeare – as long as there are people alive to read poems, the nature of love that William Shakespeare, John Keats and D.H. Lawrence tried to present from a romantic perspective will live on forever.

How Energy Division Lead to Major Losses for Sime Darby

There are 4 multimillion Ringgit projects entered by Energy and Utilities division of Sime Darby, but turned out bad. One of the projects is collaboration with Qatar Petroleum (QP), the Bulhanine and Maydan Mahzam project. Sime Darby has been awarded a RM265 million contract to build wellhead platforms where the scope of works in the contract covers three wellhead platforms, installation of about 40 kilometres of pipeline, 23 kilometres of umbilical and alteration to existing platforms. It started in April 2006 and supposedly completed in August 2008. However, the division has encountered delays and cost overruns which resulted in losses on the project exceeding RM500 million, which have already been accounted for. At that time, they still try to negotiate with the QP project’s client on claims for the over budget cost, but the Board has already decided to reverse the revenue of RM200 million previously recognized in the Group accounts for Financial Year 2009. The second project is the Maersk Oil Qatar project (MOQ). Maersk Oil awarded Sime Darby Engineering the EPCIC contract to build and install a process platform, a utility platform and three bridges off the coast of Qatar in February 2007. It was scheduled for completion in October 2009 but there have been delays and cost overruns in this project which caused losses of RM159 million for Financial Year 2010. According to Sime Darby, the cost overruns were incurred on transport and installation, and hookup and commissioning works. It is not clear if the overruns were the result of under-budgeting, and unexpected increase in raw material costs, or both, or some other reason. Even though negotiations were made with the client, they still could not probe the losses. The third project related with the MOQ project, which is the construction of vessels for the MOQ project’s usage called the Marine Project. MARINE Project was meant to turn Sime Darby Bhd into a major marine vessel player in the oil and gas industry, but it didn’t turn out as planned when they picked the wrong shipbuilder. The project including building a derrick-lay barge, a pipe-laying ship, an anchor handling towing supply, and a tug boat that could send supplies to offshore oil rigs. Sime Darby had suffered cost overruns of some RM1. 3 billion for all three projects. And the last project is the Bakun hydroelectric dam project. The project was tendered to Sime Darby Group along with seven-member consortium by the government at a total of RM 1. 788 billion. The Bakun hydroelectric dam project, in which Sime Engineering Sdn Bhd holds a 35. 7% effective interest, was awarded in September 2002 and was initially scheduled for completion in September 2007. However, due to various factors, completion has been delayed and costs have escalated. There are three developments affecting the Bakun project. The first is the merger of the Sime Darby, Guthrie and Golden Hope into a new entity named Synergy Drive. The second is the proposed takeover of the Bakun project by the contractor, Sime Engineering. The third is the revival of the submarine HVDC cable under the South China Sea to transport electricity from Borneo to Peninsular Malaysia. These four projects were under the former president and four other senior executives’ control. They are Datuk Seri Ahmad Zubir Murshid (CEO), Vice-president Datuk Mohamad Shukri Baharom, chief financial officer Abdul Rahim Ismail, head of oil and gas Abdul Kadir Alias and senior general manager of Sime Darby Engineering Mohd Zaki Othman. These personnel were accused of failing to carry out a due diligence on all projects. It also has been reported that they had neglected findings from KPMG, specifically on the deals with MLC shipping Group (construction and sale of four units of anchor handling towing supply at RM285 million and construction of a derrick lay barge for a sum of RM 295 million) and Puteri Offshore Pte Ltd. The VP was blamed for disregarding the due diligence process when he did not disclose or sufficiently highlighted the fact that he had already signed deals with MLC and Puteri Offshore. Sime Darby also has done investigation conduct by the legal and forensic consultants which has validated the finding where they may have been breaches of duties and obligations and inappropriate conduct.

Sultan Selim III essays

Sultan Selim III essays I am Selim III, one of the Sultans of the Ottoman Empire. I am a successor of my father, Mustafa III. I have eleven wives but had no children. During my reign of eighteen years, I experienced victories, but also suffered many severe defeats. I came to throne during the war with Austria and Russia and created the Turkish army, navy and infantry units. I was imprisoned by those who opposed my reformation and I was killed soon after I was dethroned. I have led the Ottoman Empire with fair and justice. I was born in Istanbul on 24th of December, 1761. I was the son of Sultan Mustafa III and Mihrisah Sultana. Soon after I was born, my father died leaving me as his successor. Since I was much too young to be a sultan, my uncle, Abdulhamid I, ascended the throne in place of my father. He took good care of me and put great emphasis on my education. I grew up becoming very well educated. After my uncles death, I was enthroned on 7th April, 1789 in my 28th year. I am a very religious and I consider myself as a patriotic young man. I was fond of literature and calligraphy. My work was put on the walls of mosques and convents. People think I am a talented poet, musician and a composer. I also speak Arabic and Persian fluently. My people respect me and they are hopeful about my administrations. As a modern man and reformist ruler, I attempted to reform and modernise the Empire. I have led many of his armed forces in battles and wars. I suffer severe defeats in the second Russo-Turkish Wars with Catherine II, but I suffered no major territorial losses when peace was made at Jassy in 1792. As a keen and reformist ruler, I set out to rebuild the Turkish navy on European lines and to reform the army. In 1798, I joined the second coalition against France in the French Revolutionary Wars. Turkish forces lost Jaffa to Napoleon Bonaparte. Napoleon had invaded Syria in 1799 and took over Egypt, but I forced Napoleon to retreat. In 1806 wa ...

Classic Poems About America for the 4th of July

Classic Poems About America for the 4th of July Patriotism is the theme for the Fourth of July. Many poets have taken on the subject over the years and their words, even in part, have been engrained in the minds of millions of Americans. From Whitman to Emerson and Longfellow to Blake and beyond, these are the poems that have inspired patriots for years. Walt Whitman,  Ã¢â‚¬Å"I Hear America Singing† The collection of Walt Whitmans poems known as Leaves of Grass was published a total of seven times during the poets lifetime. Each edition held different poems and in the 1860 edition,  I Hear America Singing made its debut. Yet, Whitman made some changes and the version below is the 1867 version. The differences between the two editions are minimal at best. Most notably, the first verse was changed from American mouth-songs ! to the lyrical lines youll find below. It is quite interesting to note that the two editions were printed just prior to and after the Civil War. In the context of the country during that time, Whitmans words take on an even more powerful meaning. America was divided, but the differences were not extreme when viewed from the songs of the individual. I hear America singing, the varied carols I hear;Those of mechanics- each one singing his, as it should be, blithe and strong;The carpenter singing his, as he measures his plank or beam,The mason singing his, as he makes ready for work, or leaves off work;The boatman singing what belongs to him in his boat- the deckhand singing on the steamboat deck;The shoemaker singing as he sits on his bench- the hatter singing as he stands;The wood-cutter’s song- the ploughboy’s, on his way in the morning, or at the noon intermission, or at sundown;The delicious singing of the mother- or of the young wife at work- or of the girl sewing or washing- Each singing what belongs to her, and to none else;The day what belongs to the day- At night, the party of young fellows, robust, friendly,Singing, with open mouths, their strong melodious songs. More From Whitmans Leaves of Grass The many editions of Leaves of Grass are filled with poems on a variety of subject matter. When it comes to patriotism, Whitman penned some of the best poetry and this contributed to his notoriety as one of Americas great poets. â€Å"By Blue Ontario’s Shore†Ã‚  (first published in the 1867 edition) - The poet spends this poem in a contemplative state marked with talk of liberty and freedom. Lines like Chant me the poem, it said, that comes from the soul of America, and O America because you build for mankind I build for you, are inspiring. At the same time, the narrator seems haunted by troubles and questions.â€Å"Song of the Broad-Axe†Ã‚  (first published in the 1856 edition) - An epic piece of poetry, Whitman embodies too many facets of America and Americans in this poem to note in a brief summary. It is a wonderful look at the individual spirit that formed the country and the strength it took from each and every person through the powerful symbol of the broad-axe. Ralph Waldo Emerson,  Ã¢â‚¬Å"Concord Hymn† The Fourth of July celebrates Americas independence and few poems remind us of the sacrifices required during the Revolutionary War better than Ralph Waldo Emersons Concord Hymn. It was sung at the completion of the Concord Battle Monument on  April 19, 1837. Emerson settled in Concord, Massachusetts after marrying his second wife, Lydia Jackson, in 1835. He was known for his admiration of self-reliance and individualism. These two factors seem to have a  heavy influence on the personal nature and deep patriotic feelings he penned in this poem. The last line of the first stanza - the shot heard round the world - was quickly made famous and remains a hallmark for describing the valiant efforts of the American revolutionaries. By the rude bridge that arched the flood,Their flag to April’s breeze unfurled,Here once the embattled farmers stood,And fired the shot heard round the world,The foe long since in silence slept,Alike the Conqueror silent sleeps,And Time the ruined bridge has sweptDown the dark stream which seaward creeps.On this green bank, by this soft stream,We set to-day a votive stone,That memory may their deed redeem,When like our sires our sons are gone.Spirit! who made those freemen dareTo die, or leave their children free,Bid time and nature gently spareThe shaft we raise to them and Thee. This was not the only patriotic poem Emerson wrote. In 1904, 22 years after his death,  Ã¢â‚¬Å"A Nation’s Strength† was published. The poets patriotic zeal appears once again in lines like Men who for truth and honor’s sake/Stand fast and suffer long. Henry Wadsworth Longfellow,  Ã¢â‚¬Å"Paul Revere’s Ride† The opening lines of Henry Wadsworth Longfellows 1863 poem are etched in the memories of many Americans. The poet was known for his lyrical poems that retraced historical events and in 1863, ​Paul Reveres Ride was published, giving Americans a new, amazingly detailed, and dramatically versed look at one of the most famous nights in the countrys short history. Listen, my children, and you shall hearOf the midnight ride of Paul Revere,On the eighteenth of April, in Seventy-five;Hardly a man is now aliveWho remembers that famous day and year. More Longfellow â€Å"O Ship of State†Ã‚  (â€Å"The Republic† from â€Å"The Building of the Ship,† 1850) - A contemporary of both Emerson and Whitman, Longfellow also saw the building of a young country and this influenced many of his poems. Though it reads as a simple poetic description of shipbuilding, it is, in reality, a metaphor for the building of America. Piece by piece, the country came together, just as those ships built near Longfellows Portland, Maine home. The patriotic enthusiasm of O Ship of State extended beyond America. Franklin Roosevelt quoted the opening lines in a personal letter to Winston Churchhill during World War II to rally his allys spirit. More Famous Poems About America Though those are some of the most noted poems appropriate for Independence Day, they are not alone. The following verses are equally popular and express national pride perfectly. William Blake,  Ã¢â‚¬Å"America, A Prophecy† (1793) - Written by the famous English poet 17 years after the American Revolution, this poem has long been an icon in patriotic poetry. A mythical look at what might come out of the new country, Blake romanticizes the tale and clearly shows he too has no love for tyranny or the King.Emma Lazarus,  Ã¢â‚¬Å"The New Colossus† (1883) - Written to raise funds for the base of the Statue of Liberty, this famous poem is engraved on it for all to see. The lines Give me your tired, your poor,  Your huddled masses yearning to breathe free, speak volumes to the nation of immigrants.Carl Sandburg,  Ã¢â‚¬Å"Good Night† (1920) - Fireworks over the pier on the Fourth of July, Sandburgs short poem is both timeless and timely. If youre seeking a poem to memorize, this is a fantastic choice.Claude McKay,  Ã¢â‚¬Å"America† (1921) - A love sonnet written by a leader of the Harlem Rennaissance,  America portrays the poets adorat ion for the country while, at the same time, confronting the troubles he has seen in his community. Amy Lowell,  Excerpt from â€Å"The Congressional Library† (1922) - Published in The Literary Digest (incorrectly, at first), the poet captures the wonderful architecture and art of this historic building that houses the nations archives. She also wonders about its future as well as the library as a reflection on all Americans.Stephen Vincent Benà ©t,  Ã¢â‚¬Å"American Names† (1927) - Both a geography lesson and a poem examining the poetic styling of names, the poet explores sound and place in lighthearted verse.

Stegomastodon Facts and Figures

Stegomastodon Facts and Figures Name: Stegomastodon (Greek for roof nippled tooth); pronounced STEG-oh-MAST-oh-don Habitat: Plains of North and South America Historical Epoch: Late Pliocene-Modern (three million-10,000 years ago) Size and Weight: About 12 feet long and 2-3 tons Diet: Plants Distinguishing Characteristics: Moderate size; long, upward-curving tusks; complex cheek teeth About Stegomastodon Its name sounds impressive- like a cross between a Stegosaurus and a Mastodon- but you might be disappointed to learn that Stegomastodon is actually Greek for roof-nippled tooth, and that this prehistoric elephant wasnt even a true Mastodon, being more closely related to Gomphotherium than to the genus to which all Mastodons belonged, Mammut. (We wont even mention Stegodon, another elephant family to which Stegomastodon was only distantly related.) As you may already have guessed, Stegomastodon was named after its unusually complex cheek teeth, which allowed it to eat such un-pachyderm-like foods as grass. More importantly, Stegomastodon is one of the few ancestral elephants (besides Cuvieronius) to have prospered in South America, where it survived until historical times. These two pachyderm genera made their way south during the Great American Interchange, three million years ago, when the Panamanian isthmus rose up from the seafloor and connected North and South America (and thus allowed the native fauna to migrate in both directions, with sometimes deleterious effects on native populations). To judge by the fossil evidence, Stegomastodon populated the grasslands east of the Andes mountains, while Cuvieronius preferred higher, cooler altitudes. Given that it survived until shortly after the last Ice Age, 10,000 years ago, its almost certain that Stegomastodon was preyed on by the indigenous human tribes of South America- which, along with inexorable climate change, drove this pachyderm to complete extinction.

The World of Abstract Art Painting Research Proposal

The World of Abstract Art Painting - Research Proposal Example The paper "The World of Abstract Art Painting" aims to describe the abstract art by looking at the intended as well as created meaning from the artist’s and viewer’s perspective respectively. The artist in focus when it comes to contemporary abstract painting is John Walker, an English printmaker, and painter, and the work is entitled ‘Oceania – My Dilemma’ painted in the year 1983. The work is presented on triptych: oil on canvas and its dimensions on the overall are 217cm by 513cm by 4.3cm. His current collections include Maine landscapes and Seal Point Series. ‘Oceania – My Dilemma’ is a series presented in triptych formation, which uses motifs from his earlier works. The monolith motif is taken as a representation of the Duchess of Alba from the portrait of Goya of 1797. The quotation on the left panel of St. John is a representation of spiritual transcendence. The complexity of imagery in the painting reflects the painter’s Australian experience, which acknowledges European legacy contact with indigenous landscape and people. Incorporation of Aboriginal and Oceanic art elements like spirit figures, masks, barks, skulls, biblical references, and the Alba figure show a collision between traditional beliefs and the introduced Christianity. Therefore, the abstract form of art has grown over the years to take a dominant position in the world of painting. It has helped artists to break from the traditional forms and be free to include word and image in their paintings.

Financial Statements Paper Part II Essay Example | Topics and Well Written Essays - 1000 words

Financial Statements Paper Part II - Essay Example here has been no reduction in equity of the company in year 2009 when compared with year 2008 so reduction in debt-equity ratio and debt ratio is attributed to lower debt component in year 2009. Lower debt-equity ratio reduces the risk of the company during difficult time as witnessed after the financial crisis of 2008. Major impact in the Home Depot’s performance has come in the form of interest coverage that has reduced in 2009 to just 6.98 times from the much safer coverage of 22.6 times in year 2008. This has also reduced its capacity to borrow more funds for business expansion. As far as revenue is concerned, the company reported sales of $77.3 billion in 2008; it has decreased to $71.228 billion in 2009. The company’s sales are in downward trends. It is apparent that the company’s businesses have been affected by the economic recession that set in after financial crisis in 2008-09. This reduction in revenue has also affected its return on assets that decreased significantly to 5.34% in year 2009 from 9.9% registered in 2008. Post 9/11 regulatory environment pertaining to information security has been quite rigorous. No company can afford to compromise with employee, customer and company data. Customers rely enormously on the company management and believe that their personal information and data will not get misused or compromised. It is true that any misappropriation of customer, employee or company data could endanger their reputation significantly resulting into financial losses apart from facing lawsuits by the affected people. Zoning regulations prevent use of property in a certain manner. Zoning regulations mean conforming to local land and building regulations and conduct businesses conforming to local laws. Zoning regulations also imposes certain conditions such as providing adequate parking facilities, timing of operations for doing business activities. Thus, zoning ordinances may impact the business activities of the company’s store in

Write about the picture and the artist Essay Example | Topics and Well Written Essays - 500 words

Write about the picture and the artist - Essay Example This is evident from the main object’s piece protruding piece from the right and casts shadow just beneath it in relation to both the man and machine like forms found in the background. Diverse forms comprising this artwork their placements occupy the background whereby most of them seem to concentrate in the right side corner. This creates a negative space between the viewer and the main objects. Besides, there are scattered snow like objects characterizing the space between the viewer and the background. These objects and those forming the portrait’s ground do not appear as if the painter utilized brush, but formed them by â€Å"ripping off† technique after applying paint. Hence, revealing underlying paints but via forming patches, which gives the ground snow like forms, scattered in the entire forefront space. The background objects’ colors exhibit bold and heavy brush strokes giving them their true colors except the protruding piece that has a grey color. The protruding image seems as if the painter after applying paint embarked on â€Å"ripping off† method, which he utilized to create the forefront objects. In this image, Clyfford still’s portrait via his painting offers the audience adequate information meant to predict the time and season of the day. The snow-like objects confirm this was a summer day and in the afternoon whereby the latter depiction is evident from the long object’s shadow cast beneath it. The entire artwork’s objects and incorporation of colors gives a feeling of an ordinary atmosphere in the countryside with its normal on goings. This is evident from the busy man undertaking his activities. In addition, the depiction of varied agricultural machines emphasizes society’s daily on goings. Clyfford despite being born in Dakota, he spent 35 years of his early life in Eastern Washington and Alberta (Wà ¼nsche & Crowther 135). Clyfford’s parents were farmers while staying in Alberta, whereby these settings influenced

Modern finance Essay Example | Topics and Well Written Essays - 2500 words

Modern finance - Essay Example (Campbell, 2008). Apparently, the current crisis may be attributed to the subprime lending made by the different financial institutions. However, at the core of it is a whole plethora of different variables which are not only correlated with each other but also created a combined effect on different macroeconomic variables too. The failure of financial institutions to regularly check in their appetite for taking more risk not only resulted into the current credit crunch but also indicated the degree of the regulatory control over such institutions to discipline their behavior. Northern Rock is such a financial institution in UK which required intervention from the government because of its apparent failure to sustain the losses incurred due to subprime mortgage episode. In this research study, the current credit crunch will be discussed with special focus on Northern Rock as a firm requiring official intervention. The credit crunch started to emerge during 2007 when in US, especially financial institutions started to witness defaults on payments of subprime mortgages. Subprime borrowers are termed as those borrowers are who have relatively high risk due to their past credit history. Therefore, under normal banking rules and practices, lending to such borrowers are riskier as in comparison to other borrowers. It is because of this reason that such borrowers are categorized as subprime and are charged relatively higher rates on the lending made to them. Historically, banks were more conservative in their lending practices and avoided to lend to such borrowers who lacked the capability to repay. However, with the innovation in the financial markets corroborated by liberalization of financial markets allowed financial institutions to innovate and roll out products which carried relatively high risk. This phenomenon was further aggravated with the globalization of the financial markets

Choose drug(s) classified as narcotic analgesics Research Paper

Choose drug(s) classified as narcotic analgesics - Research Paper Example The trend puts patients in chronic pain at risk. According to Otto, â€Å"the target of many criminals is Purdue Pharmas OxyContin, a sustained-release oxycodone product. Specifically formulated to meet the needs of patients with chronic, intractable pain, OxyContin is being crushed by abusers to make the full dose immediately available when they inhale, swallow, or inject it† (par. 3). As emphasized by the USDHHS, â€Å"Oxycodone can be habit-forming. Do not take a larger dose, take it more often, or take it for a longer period of time than prescribed by your doctor† (par. 6). Just like any other narcotic analgesics, the tendency for drug abuse is strong and therefore needed precautions are to be observed to prevent addiction to the drug. However, the drug has been proven to be effective in â€Å"the treatment of moderate to severe diabetic neuropathy, according to the results of a randomized, double-blind, controlled trial reported in the March 25 issue of Neurology† (Controlled – Release, par. 1). Further, the same report indicated that â€Å"although opioid tolerance and physical dependence have been reported during chronic opioid therapy, neither phenomenon was demonstrated in this 42-day study† (par. 6). The information reveals that when used in a controlled environment with specific medical instructions applied, the adverse effects of addiction and habit forming is, in fact, prevented. The drug has been specifically recommended for diabetic patients who experience pain from moderate to severe neuropathy, especially in lower limbs and extremities. The risk of burglaries and notorious reports on the drug has severe repercussions in terms of limited supply for patients who are in need of them. Further, Otto averred that â€Å"the number of deaths linked strictly to oxycodone has been exaggerated in the press, noting that in most cases abusers die from taking many drugs at the

Modern finance Essay Example | Topics and Well Written Essays - 2500 words

Modern finance - Essay Example (Campbell, 2008). Apparently, the current crisis may be attributed to the subprime lending made by the different financial institutions. However, at the core of it is a whole plethora of different variables which are not only correlated with each other but also created a combined effect on different macroeconomic variables too. The failure of financial institutions to regularly check in their appetite for taking more risk not only resulted into the current credit crunch but also indicated the degree of the regulatory control over such institutions to discipline their behavior. Northern Rock is such a financial institution in UK which required intervention from the government because of its apparent failure to sustain the losses incurred due to subprime mortgage episode. In this research study, the current credit crunch will be discussed with special focus on Northern Rock as a firm requiring official intervention. The credit crunch started to emerge during 2007 when in US, especially financial institutions started to witness defaults on payments of subprime mortgages. Subprime borrowers are termed as those borrowers are who have relatively high risk due to their past credit history. Therefore, under normal banking rules and practices, lending to such borrowers are riskier as in comparison to other borrowers. It is because of this reason that such borrowers are categorized as subprime and are charged relatively higher rates on the lending made to them. Historically, banks were more conservative in their lending practices and avoided to lend to such borrowers who lacked the capability to repay. However, with the innovation in the financial markets corroborated by liberalization of financial markets allowed financial institutions to innovate and roll out products which carried relatively high risk. This phenomenon was further aggravated with the globalization of the financial markets

Brand McDonalds Assignment Example | Topics and Well Written Essays - 2500 words

Brand McDonalds - Assignment Example   McDonald's and Golden arches can be said to be a beacon of success. As per 2011, it is the largest fast-food chain. Its revenue as of 2013 is the US $ 28.1057 billion. McDonalds’ has a good brand image and ranks among top ten in the survey of most valuable company in the planet (McDonald Corp. 2013). However, McDonalds is facing some peculiar problem.  McDonald's quite low when compared to its rivals in factors of quality perception.2. It has a new breed of customers with changing taste and preference and it has to keep itself relevant before it is too late or become history (Slama, 2014, pp. 9-11).Let us analyze the Brand management strategies of McDonalds through the lens of Keller’s brand equity model.Keller published this theory in his book strategic brand management. The theory of this model is pretty simple. It simply states that the company needs to redefine how customers think about their product for creating a strong brand. As per the figure there are fou r steps in order to build a strong brand image.  Applying the models 4 steps in case of Mc Donald’Step 1. Brand IdentityMc Donald wants to change its brand image in which it is identified as major culprit for the chronic obesity problem faced by US and other countries.  In wants to reposition itself as a brand that makes nutritional foods instead (Doole and Lowe, 2008, pp. 42-44). Its recent advertisement campaigns focus on people and emotions. Even there is a change in the product line to include new and healthy products.

Thy Womb Essay Example for Free

Thy Womb Essay A charming and majestic chain of islands straddling peacefully between Sulu Sea and Celebes Sea in the southwestern Philippines is the exotic Tawi-Tawi province. It is one of the southernmost parts of Philippines, which have become infamous for being the site of warring government and the Muslims terrorists. The people are peace-loving and they live there harmoniously. Their houses are built on silts near the seashore. The place is surrounding with families who are lack of needs, and they are surviving in the rain or shine weather in their everyday lives. Their culture was also shown in the movie. The wedding celebration there is very different as we celebrate the wedding here. Giving dowry to the family they want to marry and hospitality is part of their culture. The man is negotiating to the family of the woman they want to marry, not only once, but anytime they want to get married as long as they have dowry that they will give to the family of they want to get married. Although the woman, doesn’t love the man, the man can marry her as long as her family approved the wedding. Shaleha, the character portrayed by Nora Aunor is indeed the most interesting for me. It’s very unusual to see a wife go searching for another lady to be his husband’s second wife. Shaleha truly shown that her love for her husband, Bangas-An, was fascinating. She has gone to some hardships just by knowing that her husband might really turn his back to her. As I seen in the movie, there are some problems that the government should focus to improve their place. Some problems are the people have not enough clothings and their houses which reside in the sea is not safe for them especially to the children; and also they are lack in the terms of security and medical because when Bangas-an shoot a gun, there’s no justice occur and his wife, Shaleha cure it with leaves. The government should took action these problem for the sake of the people. The government should also enhance the infrastructure base of the province and improve accessibility, and generate more jobs for the people. Thy Womb is a movie that is worth watching for. This movie indeed tells the reality of living. The reality in which people do have different cultures as well as their way of living that was affected by the things or events in their surroundings. This reality is also experienced by us in our lives but in different circumstances. Upon watching it, it shown in the movie the goodness of the people in South. I was amazed in the people there how they approach each and every one. Eventhough they all suffer in poverty, they managed to give help with the other people. Also, my heart felt pity to the some olds are undressed and working despite of their ages. After I watched it, I conclude some values that were essentially portrayed, like the undying love of Shaleha to her husband Bangas-An, the couple’s faith and persistence to really make it up to the dowry required by the other family is strongly portrayed as the couple willingly sell their things and asked help from the other communities. I greatly admired Director Mendoza for bringing great honor to the people and for showing the beauty of Tawi-Tawi. I hope that the other Filipinos will appreciate his efforts as well.

Life Insurance And Swot Analysis Commerce Essay

Life Insurance And Swot Analysis Commerce Essay Security has always been a universal desire, right from the earliest civilizations. This quest for security has been a major motivating force in the progress of mankind. The early societies looked up to their families for providing this security, which resulted in cohesive units. Gradually, as lifestyles changed and as man progressed into a more modern industrialized setup, this cohesive quality of the family started fading. One had to look for other ways of providing economic security and somewhere along the line was born à ¢Ã¢â€š ¬-insurance. The insurance landscape in India is in the process of tremendous change. Closed to foreign competition due to nationalization in 1956, the Indian insurance industry was run by the government for over 40 years through the life insurance corporation of India (LIC) and four general insurance companies that spanned the length and breadth of the country. In the last couple of years there are a few forces acting on the industry that have brought about significant changes in the behaviour of the industry trends. Moreover there have been significant changes in the service outlook with respect to insurance industry. From the opinion that it was an instrument intended to provide monetary support at the time of the death of an individual, life insurance life insurance grew up to be a major financial instrument during the past 50 years in our country. There has also been a change in the consumer outlook with regards to life insurance as very beneficiary financial tool as against the orthodox thinking of unfruitful use of money. In this highly competitive market where mere survival has become primary objective for companies, customer service holds a major place in business. Every insurance company delivers service as per the terms of contract, however there are very few companies that go beyond the contract and augment the customers. This requires a learned and trained staff i.e. the agents. The following findings throw light on the service perspective bringing out the fundamentals of service marketing and its determinants. The finding of the research widens the consumer understanding aspect and it would be very helpful to imbibe customization. The research studies the changing trends in life insurance and describes the latent potential and also gives a hypothesis on the future of the insurance industry based on the study of insurance sector and the expert opinion. Origin of Insurance We live in exciting times with changes and upheavals all around. New technologies, new inventions and changes in the economic and financial scenario, all have thrown up new insurance needs; needs never felt or heard before. This type of evolutionary process, in the last few decades, has given hope to new types of need-based insurance covers; public liability insurance, product liability insurance, indemnity for medical practitioners for negligence, indemnity for chartered accountants and auditors for professional lapses, etc. Further, covers are engineering insurance, erection insurance, loss of profit, cover against atomic radiation and space travel and contracting AIDS. Around 6000 years ago, Babylonians, whose home in the Tigris Euphrates valley lay at the crossroads of early world traffic, had developed business practices to a high degree. Babylon had become the clearinghouse of trade as all the important land trade routes converged in that territory. From Armenia in the north, China and India in the east, Egypt in the west, caravans came laden with merchandise. Though Babylon built up a great commercial system, and her people were the first to enjoy the fruits of political economy, their territory was surrounded by huge tracts of desert. Recorded evidences testify that ancient India was a prominent maritime power. There were busy seaports on the west coast at Broach, at Kaveripumpatnam in the south and Bang in the east. Traders expressed difficulties in realizing money for the goods sent abroad. Loans were advanced to traders at specified rates of interest depending on the risk run and the duration of time for which money was required. Men skilled in sea voyages worked out risk premium rates. The first Indian insurance company was the Bombay Mutual Assurance Society ltd., formed in 1870. This was followed by the Oriental life Assurance in 1874, the Bharat in 1896 and the Empire of India in 1897. Hindustan Cooperative was formed in Calcutta, the United India in Madras, The Bombay Life in Bombay, The National in Calcutta, The New India in Bombay, The Jupiter in Bombay and the Lakshmi in New Delhi. These were all Indian companies started as a result of the swadeshi movement in the early 1900s. By the year 1956, when the Life insurance business was nationalized and the Life Insurance Corporation of India (LIC) was formed on 1st September 1956, there were 170 companies and 75 provident fund societies transacting life insurance business in India. After the amendment to the relevant laws in 1999, the LIC did not have the exclusive privilege of doing life insurance business in India. By 31st march 2002, eleven new insurance companies had been registered and began to transact life insurance business in India. Does one need insurance The business of insurance is related to protection of the economic values of the assets. Every asset is of some value and is expected to last for a certain period of time during which it will deliver that value. In case the asset is destroyed it ceases to provide the value to the owner thus leading to an unpleasant situation. Insurance is a mechanism to reduce the effect of such unpleasant situation. Human life is considered to be a value generating asset and is also subject to risks. Assets are insured because there if a possibility that perhaps they might get destroyed, through accidental occurrences. Such possible occurrences are called perils. If such perils can cause damage to the asset we say that the asset is exposed to risk. To be more prà ©cised Perils are the events and risks are the consequential losses or damages. The risk only means that there is a possibility of a loss or damage, the loss may or may not happen. Insurance is done against the contingency that it might ha ppen. Insurance is relevant only if there are uncertainties. If there is no uncertainty about the occurrence of an event, it cannot be insured against. In case of human beings death is certain; however the time of death is uncertain. Insurance doesnt protect the asset. It doesnt prevent the loss due to its peril. The perils can sometime be avoided by ensuring better safety and damage control management. Insurance only tries to reduce the impact of the risk on the owner of the asset and those who depend on that asset. Only economic consequences can be insured. If the loss is not financial, insurance may not be possible. Moreover insurance is backed up with many economic benefits which can be enlisted as follows. Life insurance provides financial security to the family in case of untimely or premature death. Life insurance is also a potent instrument for saving. Life insurance provides financial independence in old age. Organizations or individuals, who are in credit business, can ensure for themselves recovery of loan in case their debtor dies. A partnership firm can insure partners to the extent of capital invested by each in the business. Under à ¢Ã¢â€š ¬-key man insurance, an organization can insure the lives of their executives, whose expertise greatly contributes to their profits. Organizations can purchase group insurance policies as a part of their employee- welfare program. Life insurance also provides tax benefits to the holder. Life insurance policies create an estate. Life insurance policies also create thrift. I.e. a compulsory saving. A policy of life insurance can be used as a collateral security for procuring loans from the market. Working of life-Insurance Business There are three primary methods to avoid risk viz. A) AVOID B) REDUCE C) TRANSFER Insurance deals with transfer of risk from the consumer to the provider. Insurance works on a fundamental principle of pooling of risk. People who are exposed to the same risk come together and agree that, if any one of them suffers a loss, the others will share the loss and make good the person who has suffered the loss. The manner in which the loss is to be shared can be determined beforehand. It may be proportional to the risk that each person is exposed to. This would be indicative of the benefit he would receive if the peril befell him. Insurance companies collect the share in the form of premiums and create a fund from which losses are paid; this fund is known as the life fund. The insurance company pays the losses to the members of that group. The insurance company also invests the funds in governmental and private organizations. Ex. LIC has lent a capital of Rs.215million to NABARD for its rural financing activities. Life Insurance Marketing Triangle The above diagram explains the services triangle with its three constituents, namely, the company, the provider and the consumer. Each of them have been explained as follows:- The Company The Company makes various promises to its customers through external marketing. The way and means of marketing will be covered it the marketing mix. The Provider The agents and the development officers act as the front-line staff and they are in direct contact with the potential or existing customers. They are the ones who keep or satisfy the promises made by the company. The marketing of insurance basically comes under concept selling. The agents are thus given various incentives, rewards, commissions and all the necessary training required. As regards incentive, they receive PLI (Productivity Linked Incentive), which is based on the increase in premium amount and the sums assured by the agent. They are also given extra commissions in case of policies, which are of high value. There are normal promotions for any good work done on a regular basis. The agents generally work under the training and guidance of their respective development officers. The Consumers The consumers are the policyholders. Apart from the routine life insurance policies other services like housing finance, mutual funds, pension and group insurance. Thus the range of consumers is far and wide Life insurance mix The identification of the seven Ps of marketing mix helps a firm to form better marketing strategies and also to serve the customers in a more efficient manner. Product Mix The best way to get and keep customers is to constantly figure out how to give them more for less. A product mix is the set of all products and items that a particular seller offers for sale. In case of insurance sector, the product mix comprises of Life and Non life insurance policies that are offered to the customer by the company. A companys product mix has certain width, length, depth and consistency. The length of a product mix refers to the total number of items in the mix. In case of insurance sector, the following is the length of product mix: Whole Life Policy Limited Payment Life Convertible Whole Life Policy Joint Life Endowment Policy Double Endowment Policy Jeevan Saathi Money Back Policy Annuity Plans Group Insurance Policy Bima Sandesh With or Without Profit Policy The depth of a product mix refers to how many variants are offered of each product in the line in the insurance sector, one policy can be made available in different variations. Some of the examples are as follows: WHOLE LIFE SCHEMES Whole life policy whole life Limited payment whole life Single Premium With profit policy These product mix dimensions permit the company to expand its business. E.g.: It can add new product lines thus widening its product mix. Product Differentiation Product differentiation may be referred to as the points or the qualities that a firm has in its product, which makes the product different from its competitors product. The product differentiation as far as the insurance sector and LIC in particular is concerned are as follows- Bonus- insurance companies issue bonus to their policyholders when they make a substantial amount of profit. If a company issues a high amount of bonus, it delights the customer and creates a good image in the eyes of the customer. Past records- the differentiation can be done on the basis of past records. Customers choose to take policy from that company which has well past records in terms of claim settling periods, premium collection intervals etc. Market reputation- a company with a good market reputation and goodwill is perceived to deliver the best of the service quality and customer satisfaction. Technology- technology plays an important part in product differentiation. For e.g.: LIC was the first company in the insurance sector to introduce use of I.T and Computers. This makes customers feel that the company is not lagging behind the world and is capable of making the full use of technology to satisfy the customers. Feedback- feedback from customers also is an important tool with which product of the company can be differentiated. If effective steps are been taken on the feedback of the customers, it leaves a long lasting impression on the minds of the customers. Price- if a particular company charges more for the same product as compared to their competitors, it may lose the customers and vice versa. Price Mix Price is one element in the marketing mix that produces revenue; all the other elements produce costs. Prices are easiest marketing mix elements to adjust; product features, channels and even promotion take more time. Price also communicates to the market the companys intended value positioning of its product or brand. In the insurance sector, every company has to deposit an initial fixed capital of about Rest. 100 crore with Insurance Regulatory Development Authority, which is considered as the apex body of Insurance sector. The company gets periodic interest on this amount. With this interest amount, the company pays for the recruitment, training and development of the agents. The price in case of insurance sector refers to the premium charged on the policy. The Tariff advisory committee fixes the price for each policy. Hence all insurance companies have to charge approximately similar premium on similar policies. However, different elements affect the rate of premium to be charged on each policy. The price for the same policy is different for different companies. The company must set its price in relation to the value delivered and perceived by the customer. If, the price is higher than the value received, the customer will not be willing to pay so high and the company will lose potential profits. If the price is less than the value received then, the company will fail to receive the profit that it deserves for providing a good service. BLUE PRINTING SEVICE MAPPING The blue printing show what the product should look like a details the specification to which it should conform. In contrast to the physical architecture of building, ship, or piece of equipment service process have a largely intangible structure. The process of logistics, industrial engineering, decision theory, and computer system analysis each of which employs blue print techniques to describe processes involving flow, sequences, relationship and dependencies. Sectorial study Insurance is suddenly gaining all the attention and what used to be a strange would in it is a household name, thanks to opening up of the industry, while there are several reasons for opening up of insurance sector the foreign investors are eyeing it as a very lucrative prospect. After the opening up, several private insurers have started operating in life insurance, especially in metro areas. New marketing channels like Banc assurance, brokers, etc. are also in the offing. KEY MARKET INDICATORS.Size of market life non-life $16 billion Total Global insurance premium (as on 2001) $2408.25 billion(-1.5% as against 2000) Rate of annual growth 2002-03 Life- 11.27% Non-life- 23% Geographical restriction for new players None. Players can operate all over the country. Registration restriction Composite registration not available. Equity restriction in the new Indian insurance company Foreign investor can hold up to 26% of the equity. Number of registered companies. Public sector 01 Private sector 13 Comparison of similar policy of competition Company Policy Min/Max entry age Minimum Premium Min sum assured Liquidity years Maturity benefits LIC Money back with Profit 13/50 Rs. 3186 yearly Rs. 50000 5,10,15,20 40% of sum assured + bonuses ICICI Prudential Cashbook 16/55 Rs. 6000 yearly Rs. 75000 4,8,12,16,20 50% of sum assured + bonuses Bajaj Allianz Cash Gain 14/50 Rs. 5000 yearly Rs. 50000 4,8,12,16,20 125% of sum assured + bonuses Life insurers in India As an answer to globalization of economy and the increasing pressure of the WTO regulations, the govt. appointed the Malhotra Committee. After considering all aspects, the government ultimately enacted Insurance Regulatory and development authority and vested the authority to formulate regulations for insurance industry. IRDA and the LIC allowed the entry of foreign investors on a condition that they enter in collaboration with a local company. Public sector Private sector Life Insurance Corporation of India(LIC) 1. Allianz Bajaj life insurance Company limited. 2. Birla sun life insurance Company limited. 3. HDFC standard life insurance company limited. 4. ICICI Prudential life insurance Company limited. 5. Reliance life insurance Company limited. 6. ING visa life insurance Company limited. 7. Max New York life insurance Company limited. 8. MetLife insurance company limited. 9. Om Kodak Mahindra life insurance co. ltd. 10. SBI insurance company limited 11. TATA-AIG life insurance Company limited. 12. AMP-Samar Assurance Company limited. 13. Aviva Life insurance company limited Life Insurance Players in India 1. Yr.: 1947-2000: (From 1947 to 1st April 2000) First life insurance company (LIC) set by Indian government in 1956. This is public company. 2. Yr.: 2000-2001: (From 2nd April 2000 to 31st December2001) Insurance Industry in the year 2000-2001 had 10 new entrants, namely: Synod. Registration Number Date of Reg. Name of the Company 1 101 23.10.2000 HDFC Standard Life Insurance Company Ltd. 2 104 15.11.2000 Max New York Life Insurance Co. Ltd. 3 105 24.11.2000 ICICI Prudential Life Insurance Company Ltd. 4 107 10.01.2001 KodakHYPERLINK http://www.omkotakmahindra.com/Mahindra Old Mutual Life Insurance Limited 5 109 31.01.2001 Birla Sun Life Insurance Company Ltd. 6 110 12.02.2001 Tata AIG Life Insurance Company Ltd. 7 111 30.03.2001 SBI Life Insurance Company Limited. 8 114 02.08.2001 ING HYPERLINK http://www.ingvysyalife.com/Visa Life Insurance Company Private Limited 9 116 03.08.2001 Bajaj Allianz Life Insurance Company Limited 10 117 06.08.2001 MetLifeHYPERLINK http://www.metlife.co.in/India Insurance Company Pvt. Ltd. 3. Yr: 2001-2002: (From 1st Jan 2001 to Dec. 2002) Insurance Industry in this year, so far  has 5 new entrants; namely S.No. Registration Number Date of Reg. Name of the Company 1 121 03.01.2002 AMP HYPERLINK http://www.ampsanmar.com/Samar Life Insurance Company Limited. 2 122 14.05.2002 Aviva Life Insurance Co. India Pvt. Ltd. 4. Yr: 2003-2004: (From 1st Jan 2003 till Date) Insurance Industry in this year, so far  has 1new entrants; namely S.No. Registration Number Date of Reg. Name of the Company 1 127 06.02.2004 Sahara India Insurance Company Ltd. Performance of the Industry Post-Privatization, the life insurance industry grows by leaps and bounds. The attitude of people towards life insurance itself is changing. People are becoming more and more aware of the advantages of the Life insurance policies. Generally performance in life is measured in terms of first year premium collection and no. of lives covered. In 2003-04 Life Industry grew by 10.5% in terms of first year premium. It is showing steady growth rate in the current financial year as well. The sector witnessed a growth of over 50% for the month of April 2004, vis-à  -vis April 2003. The premium in comparison, LIC underwrote premium of Rs.72, 304.62 lakh i.e., a market share of 82.33%. In terms of policies Underwritten, the market share of the private players was 17.88% as against 82.17% of LIC. The premium underwritten by the private players for individual policies stood at Rs.12, 107.63 lakh, towards 89,918 policies with group premium accounting for Rs.3, 411.30 lakh towards 84 schemes. The n umber of lives covered under group schemes was 1, 01,392. ICICI Prudential continued to lead amongst the private players with premium at 6.15% and policies at 4.85%. In terms of number of lives covered, OM Kodak led with 21,325 lives viz., 5.83% of the total lives covered. Premium underwritten by LIC under Varishtha Bima Yojana during the month of April, 2004 was Rs.26, 734.25 lakh towards 13899 policies of which 29.60%, in terms of both premium and policies, was underwritten in the rural sector. From the opinion that it was an instrument intended to provide monetary support at the time of the death of an individual, life insurance life insurance grew up to be a major financial instrument during the past 50 years in our country. There has also been a change in the consumer outlook with regards to life insurance as very beneficiary financial tool as against the orthodox thinking of unfruitful use of money. Increasing number of people has been opting for it. The number of policies issued by the LIC of India since 1995-96 is a clear indication of the popularity gained by life insurance. Competitors on life insurance Year. No. of policies (total) No. of policies (rural) 1995-96 1996-97 1997-98 1998-99 1999-2000 2002-2003 1.10 core 1.23 crore 1.33 crore 1.48 crore 1.70 crore 2.42 crore 52.57 lacs. 60.33 lacs. 68.40 lacs. 81.23 lacs. 97.04 lacs. 45.23 lacs. Form the above table it is eminent that the importance of life insurance has grown gradually over a period of time not only in metro areas but also in rural areas. As there has been a dramatic increase in the importance of life insurance, the number of policies issued per annum has also increased, thus leading to a great change in the total premium amount collected. The total amount mobilized by LIC during the past few yearsstands witness to the growing importance of insurance. (Rs. In Cores) Total amount mobilized 1998-99 2002-03 Total premium income from investments Rs.22,805.80 Rs. 13,183.92 Rs.54602.37 Rs.25030.50 Market share of private player Characteristics of Insurance sector as oligopoly are as follows: 1. Presence of few sellers: After liberalization the no. of sellers increased from 1 to 13 as on date, like LIC, ICICI Prudential, HDFC Standard, Birla Sun life, Om Kodak, SBI Life, ING Visa, and MAX New York Life etc. 2. Regulator: IRDA (Insurance Regulatory Development Authority) regulates the Insurance industry. License to the new comer is granted by it only. All products, premiums, Tariffs require its approval. 3. Price Giver: Price of the policy i.e. premium is calculated by the actuaries of the respective companies depending upon the nature of risks covered, coverage of the policy and many other probability calculations. But premium as well as the product needs to be approved by IRDA. 4. Entry or Exit Barrier: There is no free entry into this sector as already outlined New entrants has to satisfy certain condition before entering into this industry. Exit is even tougher since all the contracts are long term so there are very strict regulations for exit from the industry by IRDA. 5. Product Differentiation: There are no homogenous products. There are wide varieties of products available in the market. Each seller can introduce Any new policy depending on the efficiency of its product development team within the broad guidelines of IRDA. 6. Advertisement: Sellers spend huge amount of their yearly budget on advertisement to educate the consumers about their products and their company. IRDA ensures that advertisement does not mislead people. The IRDA has made it mandatory that every advertisement carries the line; à ¢Ã¢â€š ¬Ã¢â‚¬ ¢Insurance is matter of solicitationà ¢Ã¢â€š ¬- so that people know that they are reading an advertisement. 7. Investment Policy: Investment of life fund up to 75% in government securities is mandatory as per IRDA. 89% of the total surplus to be distributed to policyholder as bonus every year. 8. Market Share: Still the private sector companies are in nascent stage and major chunk of market pie is still owned by public sector giant (LIC). But private players are also competing very bravely. The influence of private players has created the following benefits: Benefits to customers: Reduction in the price of product under competitive market. More innovative products to be available in a competitive market. Improved management of investment portfolio. Improved quality of service due to use of IT and multi distribution channels. Benefits to Industry: New Insurers to earn high profit in the initial stages due to large size of Indian insurance market. Insurance intermediaries will include agents, Brokers, Independent Financial Consultants etc. The commission paid may exceed Rs.46000 Cores in a period of 10 yrs. annually. Advertising campaigns may reap benefits as an additional advt. market for Rs.10000 Cores will be opened in 10 yrs. directly related to the insurance sector. Computer industries will benefit. Placement services, management institutes training institutes will also be benefited as the insurance sector after opening up will require many people thus increasing the employment opportunities. PEST Analysis for Insurance services Political/ Legal Influences which have an impact on financial services and consumer confidence include the following:  · The Insurance Regulatory and Development Authority (IRDA): Reforms in the Insurance sector were initiated with the passage of the IRDA Bill in Parliament in December 1999. The IRDA since its incorporation as a statutory body in April 2000 has fastidiously stuck to its schedule of framing regulations and registering the private sector insurance companies. The other decision taken simultaneously to provide the supporting systems to the insurance sector and in particular the life insurance companies was the launch of the IRDAs online service for issue and renewal of licenses to agents. The approval of institutions for imparting training to agents has also ensured that the insurance companies would have a trained workforce of insurance agents in place to sell their products, which are expected to be introduced by early next year. The IRDA since its incorporation as a statutory body has been framing regulations and registering the private sector insurance companies. IRDA being an independent statutory body has put a framework of globally compatib le regulations. Privatization of Insurance sector: The introduction of private players in the industry has added to the colours in the dull industry. The initiatives taken by the private players are very competitive and have given immense competition to the one time monopoly of the market LIC. Since the advent of the private players in the market the industry has seen new and innovative steps taken by the players in this sector. The new players have improved the service quality of the insurance. As a result LIC down the years have seen the declining phase in its career. The market share was distributed among the private players. Though LIC still holds the 80% of the insurance sector but the upcoming natures of these private players are enough to give more competition to LIC in the near future.  · FDI in insurance sector: Then, the issue came of amount of FDI to be allowed by a foreign player in the insurance sector. The government had allowed the private players to have foreign equity up to just 26 %. Efforts are going on to raise this to 49 %. After the opening up of the sector, a total of 18 private sector companies have entered the life insurance business and all of them have entered with a foreign partner. Economic factors are key variables which have an impact on the activity in the financial services sector. The level of consumer activity is governed by income levels and personal wealth. As income levels grow, more discretionary income is available to spend on financial services. Consumer confidence in the economy and in job security also has a major impact; if lean times are foreseen ahead, savings will take priority over loans and other forms of expenditure. Consumers may also seek easy access savings and be willing to tie up their money for longer periods with potentially more attractive investments.  · Indian economy growth projections: By 2025 the Indian economy is projected to be about 60 per cent the size of the US economy. The transformation into a tri-polar economy will be complete by 2035, with the Indian economy only a little smaller than the US economy but larger than that of Western Europe. By 2035, India is likely to be a larger growth driver than the six largest countries in the EU, though its impact will be a little over half that of the US. India, which is now the fourth largest economy in terms of purchasing power parity, will overtake Japan and become third major economic power within 10 years. All these facts or forecasts only drive at one point. India is

Cold War :: essays research papers

†¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  War without fighting †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Concerned America and the Soviet Union †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Atlantic Charter, Aug 1941 †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Tehran Conference, Dec 1943. FDR, Churchill and Stalin  What to do with Germany †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Oct 1944, Europe divided into sections: Western powers and Eastern Block †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Yalta, Feb 1945  Big Three. Aliies close to victory, Soviets in control of Poland. Cold War may have begun here. a.  Ã‚  Ã‚  Ã‚  Ã‚  Germany disarmed b.  Ã‚  Ã‚  Ã‚  Ã‚  Split into 4 zones c.  Ã‚  Ã‚  Ã‚  Ã‚  USSR get half of reparations d.  Ã‚  Ã‚  Ã‚  Ã‚  USSR join UN †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Potsdam, July 1945 †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Truman is US president a.  Ã‚  Ã‚  Ã‚  Ã‚  Germany disarmed b.  Ã‚  Ã‚  Ã‚  Ã‚  De-Nazification c.  Ã‚  Ã‚  Ã‚  Ã‚  War Crimes d.  Ã‚  Ã‚  Ã‚  Ã‚  Reparations inkind (other countries can take goods) †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Europe in 2 spheres of influence a.  Ã‚  Ã‚  Ã‚  Ã‚  Communist b.  Ã‚  Ã‚  Ã‚  Ã‚  Capitalist †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Soviets afraid of US economy and atom bomb †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Iron curtain decending upon Europe †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Greek civil war  US and Russia fight with opposing sides, never fire a shot at each other †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  March 12. 1947  The Truman Doctrine †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  This doctrine proclaims a policy of containment a.  Ã‚  Ã‚  Ã‚  Ã‚  American foreign policy must contain Communism †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  June 1947, Marshall Plan a.  Ã‚  Ã‚  Ã‚  Ã‚  Sec. Of State, George Marshall stated that the US would give billions of dollars to whoever wanted it. †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  American goal: To rebuild Europe so it doesn’t fall to communism †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Russians refused money †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Other countries took them, but with strings attached a.  Ã‚  Ã‚  Ã‚  Ã‚  Must open money to US goods b.  Ã‚  Ã‚  Ã‚  Ã‚  Must open economic policies for US to look at †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Berlin Crisis: Germany into 4 zones and Berlin into 4 zones †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Berlin in Russian side †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Goods come in by train, road and air †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  1948, new gov’t in West Germany †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  East German money was worthless †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  1948: Blockade of roads and rail by Soviets into Berlin †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Berlin Airlift: US forces and British forces flew supplies to Berlin †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Soviets gave in 1949