Terrorism at the Border

Terrorism. What is it? Can anyone define it? Is terrorism when someone hits two buildings with airplanes to kill thousands? Or is it when someone smuggles drugs to a country. Could terrorism be violence or just causing harm to people in some way? Terrorism is defined in so many ways. The United States today is so much more involved with fighting the war on terrorism in far away countries like Afghanistan, then looking at the threat that is lying along the United States border. The violence at the Mexico border is terrorism. It is not only terrorism to Mexico but terrorism to the United States as well.So many people have been terrorized by the violence that lies along the border of the United States and Mexico. The violence is stemming from the Mexico drug cartel’s who are smuggling drugs into the United States. There are not only innocent people being killed but there is also the members of the cartels that are being killed over the selling and smuggling of the drugs to the Un ited States. There are also police officers, soldiers and most shockingly news reporters that are being murdered (Carpenter, T G (02/2/2009). Terrorism is seen in many different ways.For example, in the Germany Holocaust, innocent people were killed because they were or thought to be Jewish. There were thousands of innocent people killed by one man who was attempting to gain control over a government. He used violence and chaos to eventually become president of Germany. How Hitler has so many innocent people killed is an act of terrorism (http://www. fff. org/freedom/fd0403a. asp). The killings of innocent people who are attempting to protect themselves from the cross fires of the Mexican Cartel’s are no different than the Jewish community attempting to hide from Hitler and his men.With all the people getting killed, whether it is a drug cartel member, an officer of the law, or an innocent family hiding from the gunfire, it is terrorism. It is terrorism because it is a group of individuals attempting to gain power by killing. The Mexico drug trade is estimated as a twelve billion dollar business a year. It is said that Mexico gets their cocaine from Columbia and also has its own operations of marijuana and heroin. ( War without end. (2004). In 2006 alone the United States seized 2,238,075 pounds of marijuana at the border of Mexico (Katel, P. (2008, December 12).The Mexico cartels are killing each other in brutal ways because they are fighting over areas along the border that are called â€Å"smuggling routes†. These routes are used to smuggle drugs from Mexico into the United States. (Carpenter, T G (02/2/2009). By the Mexico cartels getting the drugs into the United States and distributing them to the United States citizens that is terrorism. It is terrorism because it is causing harm to people and governing people who are addicted to these drugs. When a person is addicted to drugs they either have the mentality to stay addicted or get help off the drug.When a person is addicted to a drug and does not want the help to get off, they then contribute to the terrorism of the Mexico cartels by needing the cartels to transport the drugs into the United States. Would that consider Americans terrorists too? Are they terrorists because they are supporting or supplying the Mexican Cartel’s with the funding or addictions needed to run a successful drug business? In many ways it is terrorism. Think of a terrorist group as a successful business. A successful business needs to sell its product to grow.The more products it sells the more it can grow. By the cartel’s selling their drugs to the American people, the American’s are supporting terrorism. They are also supporting terrorism by selling the cartel’s the guns they use to do there terroristic acts of violence (http://www. nytimes. com/2009/02/26/us/26borders. html). But Americans are not the only ones who buy drugs from the Mexican Cartel’s. Terr orism is defined as â€Å"a terroristic method of governing or of resisting a government† and it can also be defined as â€Å"violent and intimidating gang activity† from the web site Dictionary. eference. com. The Mexico cartels demonstrate both of those definitions. By being violent and intimidating gangs and having violent and intimidating activities. They also resist the government by continuing the violence and smuggling. The only way to stop the terrorism in Mexico would be to dismantle all cartels or close and secure borders. The Mexico drug war is stated as â€Å"the war without end† by an article called War without end. As long as drugs are being produced and smuggled there will always be terrorism at the Mexico border.

Natural Fiber Wide Use Health And Social Care Essay

Natural fibres have been in a broad usage since the development of the human race. Catching up the Eco thrust, applied scientists were looking for eco-friendly options for fictile fibre. In the due class many natural fibres have been tested and some were able to do their base going economically feasible. The present work proposes to fix and prove a Natural Fiber ( Asian Palmyra ) Reinforced Composite ( NFRC ) . The survey is planned in conformity to a 3-Level Factorial Design and find the fluctuation of Tensile Strength ( TS ) , of short and indiscriminately oriented Palmyra NFRC, under control parametric quantities such as alkali intervention clip, fiber length and fiber volume % . The present paper focuses to pattern the influence of procedure variables on TS through Response Surface Methodology. The mathematical theoretical account which is developed to foretell tensile strength is found statistically valid and sound within the scope of the factors. Keywords: A – Discontinuous support, B – Mechanical belongingss, C – Statistical properties/methods, D – Mechanical testing, E – Lay-up ( manual ) .1. Introduction:Natural fibre has been in a broad usage since the development of the human race. They had got broad acceptation in communities for their flexibleness and strength. Recent tendencies in the country of fibre reinforced complexs have drawn a twine in utilizing these natural fibres as their support. The natural fibre imparts lower lastingness and lower strength compared to glaze fibres. However, low specific gravitation consequences in a higher specific strength and stiffness than glass. Natural fibres offer good thermal, dielectric and acoustic insularity belongingss along with easiness in processing technique without have oning of tools. Most of these fibres are produced in developing states like China, India and Brazil etc. In a historical position complexs like straw reinforced walls, bows and chariots made of pasted beds played of import functions in their endurance. Though many of these fibres are limited to their epidemic parts due to high local demand for many old ages, coming of man-made fibres have affected the market of natural fibres. After being entirely used for their electromagnetic belongingss, utilizing complexs to better the structural public presentation of ballistic capsule and aircraft became popular in last two decennaries of the old century. Particularly, increased constrains and future environmental route maps, have been emphasizing automotive industries to diminish their C pes prints. These rigorous steps have become blessing to the lagging natural fibre industries, and thereby making new challenges for research workers in happening beginnings of fibre, fiction techniques and applications of na tural fibres. The easy handiness of natural fibres and fabricating have motivated research workers worldwide late to seek locally available cheap fibres and to analyze their feasibleness of support intents and to what extent they satisfy the needed specifications of good reinforced polymer complexs [ 1 ] . Many surveies proved them to be possible rivals to man-made fibre to some extent. After reexamining the bing literature available on natural fibre complexs, assorted writers had put attempts in planing complexs based on the demands of composite industry. There has been a broad assortment of literature available on natural fibres such aspen, abaca, bagasse, bamboo, banana, coir, day of the month thenar, flax, henequen, isora, jute, silk cotton, deccan hemp, oil thenar, Ananas comosus, ramee, sisal, etc. , [ 2-18 ] . Natural fibre complexs provide comparable specific strength with that of man-made fibre complexs, due the low denseness offered by natural fibres [ 19 ] . There are many parametric quantities which affect the public presentation of a natural fiber-reinforced complex. Chemical alteration improvesA fiberA matrix adhesion, their consequences and effects on the physical belongingss ofA complexs [ 20 ] . Aspect ratio has a considerable consequence on composite belongingss, henc e it is of import to conserve fiber length every bit much as possible during composite processing operations [ 21 ] . Mechanical belongingss of the composite vary with assorted sums of fibre volume ratio. But there have been a really few documents covering with Palmyra fibre, the present fibre of our involvement [ 22 – 24 ] . The Borasseus Flabellifer is a tall and vertical thenar, and can populate 100 old ages or more and make a tallness of 30 m, with a canopy of big, fan-shaped foliages several twelve found distributing 3 metres across [ 25 ] . Each and every portion of the tree is a noteworthy socio-economic value for people in Southern India. The mid-ribs of the foliages and the fibres from their chaffs are used in doing industrial coppices and brooms. The fibre has good opposition to clash and heat, and will defy many chemicals and dissolvers. The denseness of toddy palm ( 0.7 gm/cm3 ) is least among all known natural fibres that are being commercially used in fabricating natural fibre complexs. This is extremely favourable belongings from the position point of light-weightiness. The present complex can happen extended application in non-structural, low-performance utilizations. Hence, the toddy palm fibres are most suited for doing support in green composite stuffs. The present research focuses on the survey and consequence of procedure parametric quantities on the tensile strength of short and indiscriminately oriented palmyra natural fibre reinforced complexs. The decisions drawn from this is that, a successful combination of procedure parametric quantities consequences in the betterment of mechanical belongingss of the composite. In future, complexs will be manufactured even more harmonizing to an integrated design procedure ensuing in the optimal building harmonizing to parametric quantities such as form, mass, strength, stiffness, lastingness, costs, etc. The developed mathematical theoretical account will be able to demo the influence of a design alteration on each one of these parametric quantities ( here strength ) .2. RESPONSE SURFACE METHODOLOGY:Response surface methodological analysis ( RSM ) began with the work of Box and Wilson in the Journal of the Royal Statistical Society [ 26 ] . That work was motivated by the demand to run expe riments expeditiously, by a proper pick of design, and to find operating conditions on a set of governable variables that give rise to an optimum response. The cardinal thoughts in the classical RSM are developed utilizing additive multinomial theoretical accounts, chiefly first-degree and second-degree theoretical accounts, with uninterrupted response variables assumed, for the most portion, to be independently and usually distributed with changeless mistake discrepancies. This method has gone through several phases of development that are aimed at doing it more applicable to wider experimental state of affairss [ 27 ] . RSM is a aggregation of mathematical and statistical techniques that are utile for the mold and analysis of jobs in which a response of involvement is influenced by several variables and the aim is to optimise the response [ 28 ] . For, illustration, if the experimenter wishes to happen the degrees of two input variables, x1, x2 which maximize the output [ y ] of the procedure, so the procedure output is stated as: where I µ represents the noise or mistake observed in the response Y. If the expected response is denoted by E [ y ] = f [ x1, x2 ] = I · , so the surface represented by I · = f [ x1, x2 ] is called a response surface. If the individual input variable can be related to the end product variable so it is known as response curve and if the two input variables relate to the end product variable so it is known as response surface [ 28 ] . In common pattern, response surfaces are expressed diagrammatically and visualized through single secret plans, contours and 3D surface graphs.3. SPECIMEN Fabrication:The petioles of Asiatic Palmyra tree were soaked in a H2O retting armored combat vehicle for 45 yearss. After 45 yearss, the fibre can be extracted from the chaffs manually. These long uninterrupted fibres are washed exhaustively in plentifulness of clean H2O to take the excess waste ( fig. 1 ) .3.1 ALKALI TREATMENT:The obtained fibres were divided into three parts of equal weight. Th ese three groups of fibre were treated with 5 % NaOH solution for different clip continuances. The first group is treated for 2 hours, the 2nd for 4 hours and the 3rd for 6 hours. Chemical intervention with NaOH removes wet content from the fibres thereby increasing its strength. The chemical intervention besides clears all the drosss that are bordering the fiber stuff and besides stabilizes the molecular orientation. After alkali intervention, fibres were washed exhaustively in the distilled H2O and were dried for one twenty-four hours at room temperature. Then these long fibres were cut into short fibres of different lengths ( 3mm, 5mm and 7mm ) . The fibres which were treated for 2 hours with NaOH are cut into equal sums of 3mm, 5mm and 7mm fibres severally. Similarly, the fibres which were treated with NaOH for 4 hours and 6 hours were besides cut into short fibres. Therefore nine different samples of fibre were prepared which vary in fibre length and alkali intervention hours.3.2 PREPATION OF COMPOSITES:A rectangular wooden board of 300mm, 300mm was taken and wooden forms of thickness 4mm were fixed on these wooden boards with the aid of nails. These wooden forms were placed so that a infinite of 150mm, 10mm, and 4mm was obtained. After the molds of needed dimensions were prepared, wax was applied to the interior sides of the molds for easy release of the complex without lodging to the mold walls. Then the matrix was prepared by blending the hardener to epoxy. The epoxy and the hardener ratio were maintained at 10:1. To acquire goo d cured and a standard quality specimen, the epoxy and hardener must be assorted swimmingly and easy for about 10 proceedingss. Initial bed of the mold was filled with the epoxy rosin and hardener mixture and so the appropriate measure of fibres was placed such that epoxy mixture wholly spread over the fibres. Again, epoxy mixture was poured on the fibre. Therefore, the starting and stoping of the beds were of epoxy rosin. A fictile releasing house was placed on the top of the uncured mixture. Before using compaction, attempts were made to take all bubbles with roller. Finally, the compaction force per unit area of 0.05 MPa was applied equally and cured for 24 hours at room temperature. In this manner, specimens incorporating different volume fractions of fibre were prepared. These specimens were cured in the hot air oven at 600 C for 2 hours. Specimens incorporating different fibre volume fractions such as 20 % , 30 % , 40 % were prepared and 27 specimens were prepared. Natural Fib er Reinforced Composite ( NFRC ) is considered as the stuff for probe and its material composing is given in Table 4.1. The specimen ( Fig. 2 ) is prepared with the dimensions of 150mm length, 10mm breadth and 4mm thickness harmonizing to ASTM D 3039-76 [ 29 ] is used for experimentation.3.3 MECHANICAL Testing OF FIBER-REINFORCED COMPOSITE:The most basic mechanical trial is the tenseness trial. For most structural stuffs, the tensile belongingss are indispensable elements of the stuff design allowable. The complexs specimens were tested as per ASTM criterions. The tensile testing was done as per ASTM D 3039M with the aid of INSTRON-6025 theoretical account Universal Testing Machine ( Fig. 3 ) at a crosshead velocity of 2mm per minute and consequences were analyzed to cipher the tensile strength of composite samples.4. Plan AN Experiment:Recognition of job and job statement:â€Å" Determine the affect of Alkali Treatment Time, Fiber length & A ; % Fiber volume on the tensile strengt h of Natural Fiber ( short Asian Palmyra ) Reinforced Composite. †Choice of factors, degrees, scopes:Alkali Treatment Time ( A ) , Fiber length ( B ) , Fiber volume % ( C ) ( 3 Levels )Choice of the response variable:Tensile Strength of Natural Fiber Reinforced Composite ( T ) .Choice of experimental design:3 flat factorial design.Performing the experiment:Tensile strength on Universal Testing Machine ( UTM ) .Statistical analysis of informations:A, B, C relation to TDecisions and recommendations:Accomplishment of experiment aims.4.1 DESCRIPTION OF PROPOSED METHODOLOGYThe control factors considered for experiments are alkali intervention clip, fiber length and fibre volume per centum while tensile strength is considered as the end product response. The process of response surface methodological analysis comprises the undermentioned stairss [ 30 ] : Plan a series of experiments for equal and dependable measuring of the response of involvement. Develop an empirical or mathematical theoretical account of the 2nd order response surface with the best adjustments. Find the optimum set of experimental parametric quantities that produce a upper limit or minimal value of response. Represent the direct and the synergistic effects of procedure parametric quantities through two and three dimensional secret plans.4.1.1 Conducting the experimentsThe executable scopes of the procedure control variables considered are listed in Table 4.2. These values correspond to the conditions at which there is maximal consequence on tensile strength as reported by other writers for different natural fibres. The belongingss of Asiatic Palmyra fibre reinforced complexs with different fibre lengths, clip continuances of Alkali intervention and fibre volume per centums under these conditions, the probes are presented in the undermentioned Tables 4.3, 4.4 and 4.5. Sample of tensile trial studies are shown in Fig. 4. The tensile strength of the specimen made of epoxy and hardener is 12.44MPa.4.2 DEVELOPMENT OF EMPIRICAL MODELSThe informations collected from typical experiments refering to end product responses, Tensile Strength from Tables 4.3, 4.4 and 4.5 are used to implement the proposed methodological analysis. The demand in developing the mathematical relationships is to associate the tensile strength to the procedure parametric quantities thereby easing the optimisation of the procedure parametric quantities. Design Expert, 8.0v [ 31 ] , statistical analysis package, is used to calculate the arrested development coefficients of the proposed theoretical accounts. The interaction effects of the procedure parametric quantities and tensile strength are important and hence the 2nd order theoretical accounts are postulated. The multinomial is fitted and the relationships obtained for the end product responses are given below:4.2.1 Adequacy trial:The developed empirical theoretical accounts are tested for their adequateness utilizing the undermentioned trials:4.2.1.1 Analysis of Variance [ ANOVA ] :ANOVA is carried out for the quadratic response surface theoretical accounts. The statistics of ANOVA for Tensile Strength is given in the Table 4.6. In instance of tensile strength, it can be observed from Table 4.6 that the value of â€Å" Probability & gt ; F † for the theoretical account is less than 0.05, which indicates that the theoretical account is important [ 28 ] .4.2.1.2 Multiple arrested development coefficients:To look into whether the fitted theoretical accounts really describe the experimental information, the multiple arrested dev elopment coefficient [ R2 ] is computed. R2 statistic is defined as the ratio of variableness explained by the theoretical account to the entire variableness in the existent experimental informations and is used as a step of goodness of fit [ 28 ] . If R2 attacks to integrity, the better the theoretical account fits the experimental information. In other words, it is the proportion of fluctuation in the dependant variable [ response ] that can be explained by the forecasters [ factor ] in the theoretical account. From Table 4.6, R2 for tensile strength is found to be 0.9276. This shows that the second-order theoretical account can explicate the fluctuation in tensile strength up to the extent of 92.76 % . The adjusted R2 efforts to give a more appropriate value to gauge R2. Adjusted R2 can be computed utilizing the expression 1- [ [ 1- R2 ] * [ N-1 ] / [ N-k-1 ] ] , where N is the figure of observations and K is the figure of forecasters [ 28 ] . When N is little and K is big and there will be a much greater difference between R2 and adjusted R2 [ because the ratio of [ N-1 ] / [ N-k-1 ] will be much less than 1. By contrast, when the figure of observations is really big compared to the figure of forecasters, the value of R2 and adjusted R2 will be much closer because the ratio of [ N-1 ] / [ N-k-1 ] will near 1. From Table 4.6, adjusted R2 for tensile strength is found to be 0.8915. It can be observed that the values of R2 and adjusted R2 are much closer to each other. The developed mathematical theoretical accounts are farther checked for their adequateness utilizing normal chance secret plan of remainders. The diagnostic secret plans are drawn to look into whether the informations are usually distributed and for any premise is violated. Therefore, the normal chance secret plan of remainders for the responses, tensile strength is plotted. Normal chance secret plans are used to measure whether informations come from the normal distribution. The statistical process makes the premise that an implicit in distribution is normal [ 28 ] . Thus normal chance secret plans can supply confidence that the premise is justified, or else supply a warning of jobs with the premise. An analysis of normalcy typically combines normal chance secret plans with hypothesis trials for normalcy. In a normal chance secret plan, if all the information points autumn near the line, an premise of normalcy is sensible. Otherwise, the points will swerve off from the line, and an premise of normalcy is non justified. The normal chance secret plans of the remainders for the end product responses, tensile strength is shown in Fig. 5 and it can be observed that the remainders are located on consecutive line, which means that the mistakes are distributed usually. The 3D surface graphs for tensile strength are shown in Figs. 6 – 8. All have curvilinear profile in conformity to the quadratic theoretical account fitted. Fig. 6 shows the interaction consequence of fibre length and alkali intervention clip on tensile strenth at different degrees of fibre volume per centum. It is clear from the figure that at highest values of fibre length and alkali intervention clip the tensile strenth attains largest value of 27MPa. At high value of alkali intervention clip ( 6Hrs ) and low value of fiber length ( 3mm ) , tensile strength varies from 17-19 MPa. where as at low value of both fiber length and alkali intervention clip the tensile strength is lowest. Fig. 7 depicts the consequence of fibre volume per centum and alkali intervention clip on tensile strength at different degrees of fibre length. As indicated in the secret plan the tensile strength additions with addition in both fiber volume per centum and alkali intervention clip. The highest value of tensile strength of about 27MPa is recorded at high values of fibre volume per centum and alkali intervention clip. Fig. 8 describes the interaction consequence of fibre volume per centum and fiber length on tensile strength of short and indiscriminately oriented Palmyra fiber composite at different degrees of base intervention clip. As the fibre volume per centum additions from 20 – 40 % and fibre length increasing from 7 – 3mm so tensile strength additions from 13 – 27 MPa. The combined consequence of fibre length and fibre volume per centum increases the tensile strength of composite. It can be said that the empirical theoretical accounts developed were moderately accurate, for Tensile strength.5 DecisionThe proposed work is on the survey and consequence of procedure parametric quantities on the tensile strength of short and indiscriminately oriented toddy palm fibre reinforced complexs. The experimental probe on mechanical behavior of palmyra fibre reinforced complexs leads to the undermentioned decisions: Tensile strength ( TS ) , of the toddy palm fibre reinforced compos ite stuff is greatly influenced by alkali intervention clip, fiber length and fibre volume fraction. The quadratic theoretical account developed by RSM can be used to foretell the tensile strength of the toddy palm fibre reinforced composite stuff at 93 % assurance degree. But the cogency of the theoretical account is limited to the scope of parametric quantities considered for the probe. The truth of the developed theoretical account can be improved by including more figure of parametric quantities and degrees. Further, mathematical theoretical accounts can be developed by taking multiple responses, with different scopes of procedure variables and the composite design can be optimized based on the demand of the clients.

Basel Iii, Solvency Ii

It was first published in 2009 and will be start implement on 1 January 2013. To make sure the banks have sufficient capital, Basel III has some new regulatory on bank leverage and also its liquidity. Solvency II Solvency II is a basic review of adequacy of capital for the European insurance industry. It aims to revise a set of EU-wide capital requirements and risk management standards that will replace the current solvency requirements. For instance, most European insurers are obliged to implement the full Solvency II requirements by January 2013. As such, it will be a major driver for the development and embedding of Enterprise Risk Management (ERM) for the insurance industry. Difference between Basel III and Basel I II Basel III varies from Basel I and Basel II. Basel I is create and used to strengthen the stability of global banking system while standardize capital requirement by using regulatory control. The weakness of Basel I is banks are expose to excessive risk because of the freedom in giving loan. Basel II develops from Basel I, it makes improvement on standardize the capital regulation and increase the risk management between the banks. Unlike Basel I, Basel II required banks to make analyze on the ability of corporate in pay back the loan before they decided to lending money out. Basel III replace for Basel II which the capital requirement is stricter, so that they can handle the capital fluctuate during financial crisis. Difference between Solvency I and Solvency II The difference between Solvency I and Solvency II is their fundamental based. Solvency II is principle based, whereas Solvency I is rule based. This means Solvency II knows less rules, instead of introduces principles which have to be adopted by the insurers, they all involved actions and decisions. They can no longer hide behind rules, nor is it easy to find holes in the law. Therefore, in order to process these principles into company will be tough therefore time is ticking since it is questionable when all is implemented sufficiently. While for the Solvency II is to protect customers from taking unacceptable risks. This is done by demanding insurers to manage their risks better and be transparent on their financial position and risk. Hence it shows more holistic approach in comparison to Solvency I. Who should comply to Basel III The Basel accords are a range of mutual agreements that are voluntarily given by various global banking authorities. The countries which have signed these agreements would have set it as a common standard. However, some countries which are not the member state may also implement these policies. Besides, in United States of America, the government set the Basel II as a mandatory standard for banks. The banks which have a higher-risk profiles are instead imposed higher and stricter standard under the same accords. Next, Basel III required banks must keep a minimum common equity of 7% of their assets and this percentage covers a capital conservation buffer of 2. %. The countries which have approved Basel III must impose and put the standard. Who should comply Solvency II Solvency II is needed for all the insurance companies and financial institution. Solvency II’s regulation will be control by the respective financial supervisor. Besides, the best practice for insurers is to embed qualitative and quantitative risk management throughout their organization. A process-based risk approach is the be st foundation for risk management of market, credit, liquidity, insurance and all operational risks. Solvency II regulates companies according to the risk inherent in the business. Every company must define that the risk profile is in line with the appropriate governance and risk management processes to meet this risk. Why Basel III is needed? Basel III is needed because it strengthens bank capital requirements by introduces new regulatory requirements on bank liquidity and bank leverage. It help the Bank directors to know the market liquidity conditions for major asset holdings and strengthen accountability for any major losses. Why Solvency II is needed? Solvency II is needed because it can supervise the insurance company and strengthen the power of group supervisor, in order to ensure the wide risks of the group are not overlooked. By having Solvency II, a greater cooperation between supervisors can be made. Besides, Solvency II plays an active role in the development in insurance, risk management, and financial reporting. Objective for Basel III There are three objective of Basel III. Firstly, Basel III enhance the ability of banking sectors in handle stress that arise during financial crisis and economic strain. Secondly, Basel III used to improve risk management and also its governance. Lastly, Basel III reinforces the transparency and exposure of the banks. Objective for Solvency II These are some objectives for Solvency II. Firstly, it improved consumer protection by standardized level of policyholder protection in EU. Secondly, Solvency II transfers compliance in supervise into making evaluation on insurers’ risk profiles and the quality of their risk management and also their controlling systems. Lastly, Solvency II used to raise the international competitiveness of EU insurers. What are the challenges that encounter by the Basel III and Solvency II? The challenges that encounter by the Basel III and Solvency II is there is a mutual relationship between the new capital and the liquidity rules for bank and insurance companies that set by Basel III and Solvency II. Besides that, Solvency II had changed the way of allocate the capital for insurance companies. In example, fair value will be calculated by the risk that insurer take on their investing activities. Solvency II also offered a privileged treatment to bond with short tenure. It impress stricter capital requirement for bond that determined by the investment’s maturity, and credit rating due to the volatility of investment. Lastly, there is an inverse relationship between Basel III and Solvency II. Basel III requires all the financial institution to establish more stable, long term source of funding. In example, Basel III require bank to place their funding in a more stable and long term investment, means they will issue more long term bond. While for the Solvency II, the regulation gives shorter preferential treatment to the bank bond. ? Basel Iii, Solvency Ii It was first published in 2009 and will be start implement on 1 January 2013. To make sure the banks have sufficient capital, Basel III has some new regulatory on bank leverage and also its liquidity. Solvency II Solvency II is a basic review of adequacy of capital for the European insurance industry. It aims to revise a set of EU-wide capital requirements and risk management standards that will replace the current solvency requirements. For instance, most European insurers are obliged to implement the full Solvency II requirements by January 2013. As such, it will be a major driver for the development and embedding of Enterprise Risk Management (ERM) for the insurance industry. Difference between Basel III and Basel I II Basel III varies from Basel I and Basel II. Basel I is create and used to strengthen the stability of global banking system while standardize capital requirement by using regulatory control. The weakness of Basel I is banks are expose to excessive risk because of the freedom in giving loan. Basel II develops from Basel I, it makes improvement on standardize the capital regulation and increase the risk management between the banks. Unlike Basel I, Basel II required banks to make analyze on the ability of corporate in pay back the loan before they decided to lending money out. Basel III replace for Basel II which the capital requirement is stricter, so that they can handle the capital fluctuate during financial crisis. Difference between Solvency I and Solvency II The difference between Solvency I and Solvency II is their fundamental based. Solvency II is principle based, whereas Solvency I is rule based. This means Solvency II knows less rules, instead of introduces principles which have to be adopted by the insurers, they all involved actions and decisions. They can no longer hide behind rules, nor is it easy to find holes in the law. Therefore, in order to process these principles into company will be tough therefore time is ticking since it is questionable when all is implemented sufficiently. While for the Solvency II is to protect customers from taking unacceptable risks. This is done by demanding insurers to manage their risks better and be transparent on their financial position and risk. Hence it shows more holistic approach in comparison to Solvency I. Who should comply to Basel III The Basel accords are a range of mutual agreements that are voluntarily given by various global banking authorities. The countries which have signed these agreements would have set it as a common standard. However, some countries which are not the member state may also implement these policies. Besides, in United States of America, the government set the Basel II as a mandatory standard for banks. The banks which have a higher-risk profiles are instead imposed higher and stricter standard under the same accords. Next, Basel III required banks must keep a minimum common equity of 7% of their assets and this percentage covers a capital conservation buffer of 2. %. The countries which have approved Basel III must impose and put the standard. Who should comply Solvency II Solvency II is needed for all the insurance companies and financial institution. Solvency II’s regulation will be control by the respective financial supervisor. Besides, the best practice for insurers is to embed qualitative and quantitative risk management throughout their organization. A process-based risk approach is the be st foundation for risk management of market, credit, liquidity, insurance and all operational risks. Solvency II regulates companies according to the risk inherent in the business. Every company must define that the risk profile is in line with the appropriate governance and risk management processes to meet this risk. Why Basel III is needed? Basel III is needed because it strengthens bank capital requirements by introduces new regulatory requirements on bank liquidity and bank leverage. It help the Bank directors to know the market liquidity conditions for major asset holdings and strengthen accountability for any major losses. Why Solvency II is needed? Solvency II is needed because it can supervise the insurance company and strengthen the power of group supervisor, in order to ensure the wide risks of the group are not overlooked. By having Solvency II, a greater cooperation between supervisors can be made. Besides, Solvency II plays an active role in the development in insurance, risk management, and financial reporting. Objective for Basel III There are three objective of Basel III. Firstly, Basel III enhance the ability of banking sectors in handle stress that arise during financial crisis and economic strain. Secondly, Basel III used to improve risk management and also its governance. Lastly, Basel III reinforces the transparency and exposure of the banks. Objective for Solvency II These are some objectives for Solvency II. Firstly, it improved consumer protection by standardized level of policyholder protection in EU. Secondly, Solvency II transfers compliance in supervise into making evaluation on insurers’ risk profiles and the quality of their risk management and also their controlling systems. Lastly, Solvency II used to raise the international competitiveness of EU insurers. What are the challenges that encounter by the Basel III and Solvency II? The challenges that encounter by the Basel III and Solvency II is there is a mutual relationship between the new capital and the liquidity rules for bank and insurance companies that set by Basel III and Solvency II. Besides that, Solvency II had changed the way of allocate the capital for insurance companies. In example, fair value will be calculated by the risk that insurer take on their investing activities. Solvency II also offered a privileged treatment to bond with short tenure. It impress stricter capital requirement for bond that determined by the investment’s maturity, and credit rating due to the volatility of investment. Lastly, there is an inverse relationship between Basel III and Solvency II. Basel III requires all the financial institution to establish more stable, long term source of funding. In example, Basel III require bank to place their funding in a more stable and long term investment, means they will issue more long term bond. While for the Solvency II, the regulation gives shorter preferential treatment to the bank bond. ?

Literature reviewe (Technology adoption) Thesis

Literature reviewe (Technology adoption) - Thesis Example The developing countries have now started embracing technology to offer e-government services to the citizens but it has not been adapted globally at the same rate. The factors responsible for low penetration of technology is developing nations could vary across nations and regions. However, to make the services fruitful and to enhance adoption by consumers, various researchers have formulated and developed theoretical frameworks to understand and explain the process of technology adoption. Agarwal (2000) defines technology adoption as the use, or acceptance of a new technology, or new product. In Information Technology and Information system (IT/IS) research, numerous theories have been used to study users adoption of new technologies. Various models were developed including Technology Acceptance Model (TAM)(Davis, 1989), Theory of Reasoned Action (TRA)(Ajzen et al., 1980) , Theory of Planned Behaviour (TPB) (Ajzen, 1991), and recently, the Unified Theory of Acceptance and Use of Te chnology (UTAUT) (Venkatesh et al., 2003) which have all identified factors that affect an individual’s intention to use or the actual use of information technology. 3.2 Theory of Reasoned Action (TRA) The theory of reasoned action (TRA) (Fishbein and Ajzen, 1975, Ajzen et al., 1980) is well-accepted model that has been used successfully to explain behaviour across wide variety of settings (Chau, 1996, Chen et al., 2002, Davis et al., 1989, Venkatesh, 1999). According to TRA, an individual’s behaviour is best predicted by his/her behavioural intention which, in turn, is determined by the person’s attitudes and subjective norm (social influence) (Fishbein and Ajzen, 1975). This implies that individuals consider the implications of their actions before they decided to engage or actually engage in any given behaviour. This theory focuses on behaviour intentions rather than on attitudes that influence behaviour (Al-Quesi, n.d.). However, an individual may not always consider the implications of his actions. This too may differ across individuals and across situations. According to TRA an individual’s intention to perform behaviour encompasses two factors – attitudes the performance of behaviour and subjective norms. Behavioural intention refers to the strength of one’s intention to perform a specified behaviour (Davis et al., 1989). Attitude is defined as the degree to which an individual makes a positive or negative evaluation about certain behaviour (Alzharani, n.d.). It is a set of beliefs about the object under consideration. An individual’s attitude towards any object can be predicted with a high degree of accuracy if the researcher has knowledge about the individual’s beliefs about the attitude object and the evaluation aspects of these beliefs (Al-Quesi, n.d.). If an individual believes that e-banking is risky or cumbersome or economic, his action would depend upon the evaluation of the attribute, Subj ective norm is defined as beliefs about what others will think about the behaviour (Fishbein and Ajzen, 1975). It is also the social norm to perform or not perform behaviour (Alzharani, n.d.). That is, if an individual believes that most of people who are important to him perceive the outcome of performing the behaviour as positive, he/she will be more likely to perform the behaviour. Hence it can be defined as the individual’s perception of what most people would like, especially people who matter to him. The subjective norms are generally determined by

Business Commutations Essay Example | Topics and Well Written Essays - 500 words

Business Commutations - Essay Example Also, it will prepare employees for future positions with greater responsibility. The problem with the culture is that part time employees are not eligible as its only full-time employees who work 40 hours a week. Another problem encountered is some employees may want to do courses in unaccredited institutions. The management at times gets some hard times as employees may choose courses that are not aligned with their profession. Rogers Corporation has come up with the solutions to these challenges. One is that the tuition assistance program will be suitable to the employees that will have worked for 90 days. The institutions where the employees are to take their courses it must be accredited for quality purposes. To curb irrelevant courses the employee’s department manager must pre-approve the courses to be done. It is apparent that employees who do well in the courses tend to have a positive impact in the company due to the skills obtained. Rogers Corporation has embraced a tuition assistance program for their employees to have that competitive edge in the business world. The formal education taken by the employees is also classified as online courses and special technical courses that are not offered by higher education institution. The reason Rogers Corporation encourages such courses is for the employees to be empowered with more skills that will upgrade the performance of the company in service delivery. Also, it helps the employees to be diverse and ready for the future positions they will hold. The employees also get to add value in the decisions they make at their departments. One problem that is expected is that some employees may claim that they will spend much on the books and course related materials. The corporation has set up a cover to the books and course related materials. As for those employees who find it difficult to go back and study. The Corporation is to provide $5000 in reimbursement for completed courses as a motivation. One

Does commercial ownership of the media encourage or inhibit democracy Essay

Does commercial ownership of the media encourage or inhibit democracy - Essay Example mercial ownership of media inhibits the social equality and freedom of people with latest development in the media industry coupled with the negative aspects of globalization. Commercial ownership of media tends to impact editorial decision of publications. The outcome of such interference on the editorial board is either to include or exclude communication which becomes the liberty of one person while it serves as a hindrance to another. Though proprietors or commercial giants are required to refrain from influencing media for economical and financial gain to maintain credibility, there are arguments that commercial influence is indispensable. The quality of communication determines the quality of the media and investigations are obstructed by political and commercial interference (McQuail, C. 1992. p.117). Transformation has been a continuous process since the beginning of civilizations. The beginning of civilization also marked the foundation for the exchange of information and content. From the age of signs and language till the current development of the information technology and the computer world, production, protection and distribution of information and images is core factor of social life. (Thompson, J.B. 1995 p.10) Media communications are produced in the social context and therefore comprise the symbolic content for the audience to perform an action. Thus when a word is spoken or communicated it becomes the basis for another person to undertake an action and set up relationship with others in the society (p.12). For example, television news channels are on the race to broadcast contemporary issues. However, in certain cases these news channels have a different stand point. Some news and reviews favor corporate by instilling the opinion that the survival of multinational companies is essential for the sustenance of a region or nation. This argument may be referred to the case of Coca Cola in India. Scientific results proved that the beverage

Strategic HRD and HRM Assignment Example | Topics and Well Written Essays - 3250 words

Strategic HRD and HRM - Assignment Example Each cupboard is unique and requires flexibility and an attention to detail within the manufacturing process to suit client's customization needs. Company delivers bespoke fume-cupboards to customers' gate but does not get involved in its installation. The Company consists of 220 personnel, 175 of them work on manufacturing process-the core process. Balance of 45 personnel work in the sales department, design department and the support function. Support functions include payroll, accounts, HRM, and administration. HRD problem as identified in company structure appears to be the fact that HRM function is small and inadequately staffed within the company. Further evidence in the case reveals that this function is not able to achieve its objectives to a very large extent. Similarly sales and design departments appear to be under Staffed.The Company has core operations in the manufacturing process in which 80% of employees are deployed. It comprises of several functional sections like th e sheet metal cutting and folding for the cupboards, protective coating application, initial assembly, plumbing, and electrical sections. The first HRD/Organizational problem identified in core operations appears to be loose span of supervisory control over laborers. Assuming 4 supervisors per functional section, we have about 20 supervisors in 5 sections and 155 laborers under such supervisors. Each supervisor on an average has about 8 laborers under him. Second problem relates to very high labor turnover on manufacturing shop floor. This disturbs the supervisor span of control further which is already high at 8 laborers and possibly obstructs the product customization process leading to defectives and quality deficiencies. Moreover quality control function at the company is very weak too. Orders schedules are not adhered to and orders are not built as per customer specifications. In fact that there is no separate quality function in the factory, and there is a general apathy about the quality of the product produced. Apathy is also evident in the untidy workplaces. The production process does not seem to be efficient and has not been reviewed for several years. The only quality checking that is done is the check of the final product against the original specification, and the standard of skills available within the company do not match the high level of product specification required to ensure custom quality. As a result orders are sent to customers despite errors of the manufacturing process that have been logged on final inspection, in order to meet delivery dates. This involves the company in having to rectify problems once the cupboard has been either delivered or installed, and attracts additional unnecessary costs that are borne by the FumeGo.Design function, within the core manufacturing operations, is understaffed and has weak organizational linkages resulting in poor intra organizational communications. The designers do not liaise at all with manufa cturing for ensuring adherence to product design. The design section is finicky about costly perfect solutions rather than value engineering. They often add some otherwise redundant aesthetic

Standard and Non-Standard English Essay Example | Topics and Well Written Essays - 1000 words

Standard and Non-Standard English - Essay Example Whether we like it or not, there exist some of variations of the English language. In America alone, a great deal of language variation can exist within the bilingual or English as a Second Language (ESL) classroom, in both English and in the non-English languages. In a bilingual setting in Los Angeles, one teacher identified three varieties of English and three varieties of Spanish in her classroom. Each variety carried with it information about social status and the cultural background of the speaker: Instruction officially went on in the standard forms of English and Spanish, but students used two other varieties of English-Black English and Chicano English-and two other versions of Spanish-Chicano Spanish and a rural northern Mexican variety (Ovando et al., 2002). Globally, Kachru (1992) had also revealed the varieties of English spoken worldwide on the basis of countries in which English is spoken. Kachru (1992) divided countries based into three types labelled the Inner, Outer and Expanding circles. Examples of the inner circle of essentially English-speaking countries include the USA, UK, Canada, New Zealand and Australia. Traditionally non-native speakers have looked to these varieties as providing standards and norms to which they are expected to conform. McArthur (1994) argues that there is now a fair degree of standardisation between many English-speaking nations. Not only the UK and the USA are fairly standardised in their English usage, but Australia, Canada, New Zealand and South Africa as well, fall into this group. Despite some level of standardisation, important differences remain. There are still many people from many regions who manifest significant divergence from the norms of "mainstream" English usage. Trompenaars (1993) summed up the essence of the problem: " as we all know, even the English and Americans are separated by a common language which is used quite differently in different contexts and which has some serious differences in the meanings of individual words" (p. 69). However, although there are regional differences within the native inner circle varieties, people who speak these regional variants have control of and understand the standard native variety of the country in which they reside. Problems in communication need not arise and therefore difficulties in communication between native speakers speaking different varieties of English will not be covered here. Moreover, the Outer Circle refers to countries where English functions as one of many languages and has an official (e.g. Nigeria), or an "associate official language" (India) status. English is used in these countries for a variety of purposes including educational, social, administrative and literary domains. Examples include Singapore, Malaysia and the Philippines. Countries in the Expanding Circle use English as an international language. The speakers do not have a colonial past and the English they learn is based on Inner Circle varieties. Speakers have differing degrees of competence, there are little in the form of shared norms, differences occur mainly in proficiency. In these countries (Japan, Korea, Taiwan, etc.) the number of users is increasing rapidly. The problem with standard and non-standard varieties of English in education is that grammar is usually sacrificed. This is because children learn the structure of the English language-its grammar- intuitively as they learn to talk;

Job analysis Essay Example | Topics and Well Written Essays - 750 words

Job analysis - Essay Example He or she will be required comprise files, respond to phone calls, process and review forms for alterations, maintain personal files, help the employees and clients, scrutinize payroll items and staff time, execute all personnel administrative functions, manage director’s calendar, type as required, deal with office mail, and any other assigned duties. The recruitment is from all areas because this will help identify the best candidate for the job. The recruitment will last for one month. This short period will only attract applicants who are qualified, competitive, and dedicated (Brannick & Levine, 2002). First, all applicants should be eligible to work in the country. The selection methods will include interviews and presentations. Interviews will provide the company with knowledge and first hand information about the suitability of the applicants. The applicants’ goals, philosophies and ambitions, should match the company’s. Interviews will give accurate and essential information on the applicants. Presentations will provide deep information on the applicants, as opposed to the materials like CVs. Presentations illustrate how the applicant will act in a work situation. It also gives an applicant a chance to display his or her ability (Torrington & Hall, 2005).   Cathy is thorough, competent, neat, and accurate. She ensures that all duties pertaining to the human resource department are accomplished in considerable time and can be accessed. She uses her time well and meets deadlines. She comprises files, responds to phone calls, processes and reviews forms for alterations, maintains personal files, helps the employees and clients, and performs any other assigned duties. Moreover, she understands the job concerns and procedures. Cathy is also cooperative and can work efficiently without supervision (Muchinsky, 2006). It is essential to invest in a job position that matches its own needs. A recruitment plan can be devised from ideas derived from similar

Impact of Menopause on Women Sexual Function Research Paper

Impact of Menopause on Women Sexual Function - Research Paper Example Thus, the menopause topic is timely because the impact the changes have on the life of the woman are challenging and thus worth addressing. In this regard, this paper will evaluate the impact of menopause on women sexual function. The evaluation will be achieved by reviewing five articles with studies conducted about the menopausal effects on sexuality. The review will involve comparing the approaches and methods the researchers use to arrive at their conclusions regarding the menopausal impacts. Key words: Menopause, women, Impact, function, and sex Impact of Menopause on Women Sexual function Different scholars have varying perspectives of approaching the topic on menopausal effects on women sexuality but the overall point that brings them together is that it results into sexuality dysfunction. Menopause changes the life of a woman through altering her biological social aspects (Mattar, Chong, Su, Agarwal, Wong, & Choolani, 2008). The authors continue to point out that it is a time when a woman begins to know the value and function of sexuality. This is because sexuality is important for her health as well as well-being. Menopause according to Mattar et al. (2008) interferes with hormones responsible for sexual response and thus become dysfunctional. The impact of the dysfunction is challenging, devastating, and can result into severe medical issues. In support of Mattar et al. (2008), leventhal (2000) reveals that menopause can reduce libido in women, orgasm as well as reducing coitus frequency. He continues to point out that these impacts result from physiological transformations because of menopause although Levenathal (2000) also adds that depression as well as marital discord could also cause the problems. The author claims that women undergoing menopausal changes experience difficulties in their sexuality, especially if they experience depression or discord. Thus the effects worsen because other hormones are affected and influence the negative effects o r rather ameliorate the transformations. To be more concise, Leventhal (2000) adds that the changes that occur are mediated by estrogen. Orgasm is the most affected sexuality in these women because they experience delays in secretions. This is in agreement with Matter et al. (2008) that inability to reach organism becomes a major challenge in menopausal women. On the impacts, Mattar et al. (2008) argue that the sexual dysfunction can lead to diminished sex drive, inability to arouse, orgasm issues, and pain when performing sex. The authors argue that the condition is complex and is hard to treat. Similarly, Dennerstein, Koochaki, Barton, and Graziottin (2006) survey reveals the challenging impact of menopause on the women’s sexual function. The authors reveal that menopausal women have challenging issues with their sexuality, especially reduced desire for sex. Additionally, the women have complications during sex such as inability for secretion thereby making orgasm a nightma re. According to Dennerstein et al. (2006), the menopausal women develop a Hypoactive sexual desire disorder (HSDD). The HSDD is common in almost all the menopausal women because the root cause is similar. The finding is similar to that of Mattar et al. (2008) and reveals that menopause impacts on women sexuality severely. The sexuality of older women is full of sexual challenges although some women have problems admitting it (Orner, 2005). The women experience some sexual urge although reduced in comparison to their youthful years but

Net Framework Essay Example for Free

Net Framework Essay Net Framework is a Microsoft tool provided to the development world with an objective to facilitate the consistent object oriented programming environment. The . net Framework comes as an integral component of Windows Operating System to create a code execution environment. For this the . NET Framework comes with the Common Language Runtime (CLR) and the . NET Framework class library. CLR acts as a standard foundation to build a variety of new applications, where as the . NET Framework class library offers standard implementations new services for CLR-based applications. Such facility of code execution settings will minimize the Software versioning and software deployment conflicts. The built in . net Framework in Operating system will encourage safe execution of code Microsoft’s design goals in building the . net Framework are Component Infrastructure Simplified Development, Language Integration, Reliability, Security and Interoperability The advantages with the . Net Framework include – A Development environment which is language Independent and with Multi-Language Support. The partial platform independency of the . net Framework enables it to work on Linux operating system. The   net Framework supports different types of application development. It even supports the different user accepted tool integration like windows, console, mobile, pocket pc, GPRS, smart client etc. , The major disadvantage is it doesn’t fully support all the operating systems. Unlike Java or JVM, the CLR components, which are essential to run . net application are not readily available. Also the Cost of the Integrated Development Environment (IDE) with . NET, ASP. NET, and C# is another disadvantage. Though alternative IDEs and Text Editors are available to develop the . net application they experience less efficient productivity. The multiple Language integrating and support aspect of CLR enable the languages like VB to easily integrate with . net Framework.. Through this a class written in Visual Basic can inherit from a base class written in another language like COBOL or C++, when implemented on . NET. This interoperability is supported by the metadata of the CLR in . net Framework. References: .NET Framework Advantages, Retrieved November 8, 2000, from http://www. startvbdotnet. com/dotnet/frameworkadvantages. aspx .NET Framework (2), Retrieved November 8, 2000, from http://www. developerfusion. com/samplechapter/1678/introducing-net/3/

Abortion Poems Essay Example for Free

Abortion Poems Essay Gewndolyn Brooks and Anne Sexton both wrote poems about the controversial subject of abortion. Brooks wrote a poem titled â€Å"The Mother† which stressed the physiological and ethical consequence of her choice. While in Sextons poem â€Å"The Abortion† the focus is more on the emotions felt before and after the actual process of aborting the baby. Yet both poems posses similar use of words to get a point across. The main way the authors did this is through the use of tone. The tone of these poems easily allow the reader to see just how easy it is to know something is wrong, but do it anyway. In Brooks poem â€Å"The Mother† she selects words and expressions that give the poem an air of sadness. By saying things such as â€Å"You will never neglect or beat Them, or silence or buy with a sweet.† it shows her longing to do things that mothers are generally thought to be good at. At the same time this also shows she is aware that she has essentially taken life and its experiences away from not only her unborn child but herself as well because she never gets the chance to do the things she speaks of. The title of the poem demonstrates this trough a paradox, she never actually got to be a â€Å"Mother† because she aborted her baby. The line in which she states, â€Å"you will never end up sucking thumb† reinforces all this as well as demonstrates her use of imagery thought the entire poem. By creating such vivid images of things she and her child would have done it connects the reader on a more personal level because it gives them a chance to really imagine everything Brooks is saying. Having the connection and the images in their mind while knowing that the baby was aborted makes it all the more real, allowing the reader to feel similar emotions that the mother herself had felt such as sorrow and remorse. The remorseful feeling is really expressed towards the ending of the poem when there is a change in whom she is addressing. Brooks now begins to address the actual child that was aborted and ask for forgiveness while acknowledging she has done wrong by saying â€Å"the crime was other than mine†. She also tells the child that she loves them and that â€Å" even in my deliberateness I was not deliberate.† showing that she is sorry for what she has done even though she knew what she was getting into when she did it. All of these things together give Brook s poem a remorseful tone that perfectly expresses how someone can so easily do something they know deep down is wrong. In Sextons poem â€Å"The Abortion† the emotions she is feeling are expressed to the reader through the change setting. It begins while she still has the baby inside her and she uses words that make the world sound as though it is full of life such as puckering and puffing. She describes the landscape hilly mountainous and green, which is a color that symbolizes new life. Towards the end of the poem when returning from her abortion the setting is described in a more gloomy empty way. The sky had grown thin and the roads were flat. This shows the change in her emotions, just like the land she used to be full of life as well and afterwards she was empty and flat without a child in her womb. The first line of the poem â€Å" Somebody who should have been born is gone.† is an expression of her feelings on abortion. The statement itself lets the reader know right off the bat that she thinks abortion is wrong, yet she goes along and does it anyway. She does not even describe the actual process of aborting the baby as badly as one would imagine someone with that view on the subject would have. She makes an allusion to Rumplestilksen saying that the man who performed the abortion for her was nothing like him at all, basically meaning that she didn’t feel the experience was horrible and as though he was forcing her to give up her first born child like Rumplestilksen had done in a fairy tale. The repetition of the first line thought the entire poem expresses the regret she is feeling thought the entire experience of her abortion. She even calls herself a coward at the very end for doing such a thing. But none of that stopped her from getting the abortion done. The tone of regret Sexton set for this poem once again shows that it’s not at all hard to go ahead and do something they you are sure is wrong. Both of these women were well aware that getting an abortion, in their opinion, was wrong. They each expressed their regret and remorse through the wording of their poems and both poems were quite simple and soothing, something a child would understand. The poems described different aspects of abortion but stress the idea that having an abortion comes with the emotions of sadness, sorrow, and guilt. The reader is easily able to connect to the pome and understand the emotions that are being felt through the imagery used and tone set by the authors. But even with all of that both women still chose to abort their baby. Doing something you know is wrong is something every reader can easily relate to and understand.

Bioaccumulation of Heavy Metals in Soil and Vegetables

Bioaccumulation of Heavy Metals in Soil and Vegetables Abstract The present study was carried out to assess heavy metals Cadmium (Cd), Lead (Pb), copper (Cu), zinc (Zn), Chromium (Cr) and Nickel (Ni) levels in vegetables like Cauliflower (Brassica oleracea var. botrytis), Cabbage (Brassica oleracea), Carrot (Daucus carota), Brinjal (Solanum melongena), Spinach (Spinacia oleracea) and Radish (Raphanus sativus) irrigated with domestic wastewater. The vegetable samples were randomly collected from the farmlands irrigated with domestic wastewater around the Hisar district. Spinach, cabbage, carrot, brinjal and carrot accumulated higher Cd (1.30ÂÂ ±0.31), Pb (4.23ÂÂ ±0.32 mg kg-1), Cu (1.42ÂÂ ±0.25 mg kg-1), Zn (3.4ÂÂ ±0.28 mg kg-1), Cr (1.16ÂÂ ±0.11 mg kg-1) and Ni (2.45ÂÂ ±0.86 mg kg-1) respectively. Transfer Factor (TF) of Cd, Pb, Cu, Zn, Cr and Ni are more in spinach (0.0306), cabbage (0.4448), spinach (0.2642), cauliflower (0.2494), carrot (0.0764) and spinach (0.7469) respectively. The health risk assessment has bee n calculated followed by Estimated Daily Intake Metal (EDIM) and Estimated Health Risk Index (EHRI). The present study highlights that both adults and children consuming vegetables grown in wastewater irrigated soils accumulate significant amount of these metals. However, the values of these metals were lesser than recommended maximum tolerable levels proposed by the FAO/WHO (1999). Keywords: Daily intake, Heavy metals, Plant uptake, Risk Assessment, Reference dose, EDIM, EHRI Introduction Indian economy is based on agriculture and having second largest population in the world. Most of its states are depends on the monsoon. There are two main sources for irrigation. First one is canal and second is ground water but the quality of ground water is so poor for the long sustainability of agriculture system. This water is not adequate to fulfill the crop water requirement and needs additional extra water for agricultural purposes. To cater the need of the present demand for irrigation, use of municipal domestic wastewater, is becoming a common practice in urban areas of Haryana, India. This causes serious problems of salinity and ultimately reduction in agriculture production (Marshall et al., 2007, Singh et al., 2010). The large amounts of untreated industrial and domestic wastewater are used for year round irrigation of vegetables. Such waste water usually contains heavy metals that accumulate in the soil. The use of such untreated wastewater has been reported to cause co ntaminations of the food chain (Wang et al., 2004; Mapanda et al., 2005). Some trace amount of heavy metals such as Zn and Cu are essential for the growth of organisms while others such as Cd and Pb are toxic (McBride, 1994, Kabata-Pendias and Mukherjee, 2007). Dietary uptake pathway could be through crops irrigated with contaminated wastewater and have been reported to contain large amount of toxic heavy metals which may lead to health disorders in humans depending on the uptake of these metals into plant and consumed by animals or humans (Bosso and Enzweiler, 2008; Fu et al., 2008; Lim et al., 2008; Agbenin et al., 2009). Consumption of metal contaminated vegetables may lead to a weakened immune system, intra-uterine growth retardation, impaired psycho-social behavior, high prevalence of upper gastrointestinal cancer and other disorders typically associated with malnutrition (Arora et al., 2008). Potential health risks to humans from consumption of vegetables can be due to heavy metal uptake from contaminated soils via plant roots as well as direct deposition of contaminants from the atmosphere onto plant surfaces (McBride, 2003). A number of previous studies from developing countries have reported heavy metal contamination in wastewater and wastewater irrigated soil (Cao and Hu, 2000; Mapanda et al., 2005; Nyamangara and Mzezewa, 1999; Singh et al., 2004; Nan et al., 2002). Dietary intake is the main route of exposure of heavy metals for most people (Tripathi et al., 1997). The information about heavy metal concentrations in different type of vegetables and their dietary intake is very important for assessing their risk to human health. Heavy metals in the nutrient cycle have seriously threatened health and environmental integrity, therefore, problem of heavy metal contamination in vegetables should be studied in details to develop central strategies. The objective of presen t study was bioaccumulation of heavy metals in vegetables irrigated by domestic wastewater and assessment of health rick due to these heavy metals. Materials and methods Study area and sampling All samples were randomly collected from the farmlands irrigated with domestic wastewater around the three different locations such as Rishi Nager (L1), New Police Line (L2) and Ludass village (L3) of Hisar district of Haryana, India. Soil samples were collected at the surface depth of 10cm using stainless steel spade sampling tools and plastic buckets to avoid any contamination of samples with traces of elements from the tools. At each sampling site, scrape away surface debris and remove a core sample to the appropriate depth. Soil samples were air dried, ground, passed through a 2mm sieve and stored in plastic bags for further analysis. Five ground Water and seven wastewater samples were also collected from the each location. All samples were collected and stored and kept at 4oC for further analysis in polythene bags/canes according to their type and brought to the laboratory for metal quantification. Sample preparation All the collected Vegetables were washed with double distilled water to remove airborne particles. The edible parts of the samples were weighed and soils samples were air-dried at room temperature, to reduce water content. All the samples were then oven-dried in a hot air oven at 70ÂÂ ±5 oC for 24 h. Dried samples were powdered using a pestle and mortar and sieved through muslin cloth. Digestion of the vegetable and soils samples For each vegetable, three powdered samples from each source of domestic wastewater irrigation (1.0 g each) were accurately weighed and placed in crucibles, three replicates for each sample. The soil and vegetable ash samples were digested with perchloric acid and nitric acid (1:4) solution. The samples were left to cool and contents were filtered through Whitman filter paper No. 40. Each sample solution was made up to a final volume of 50 ml with distilled water and concentration of heavy metals were analyzed by atomic absorption spectrophotometer (ASS: model AA6300, Shimadzu). Risk Assessment Transfer Factor (TF) The transfer factor (TF) of Cadmium (Cd), Lead (Pb), copper (Cu), zinc (Zn), Chromium (Cr) and Nickel (Ni) from the soil to vegetables were calculated using below given equation 1(Cui et al., 2004; Gupta, et al., 2010): (1) Estimated Daily Intake of Metal (EDIM) The Estimated daily oral intake of metals from soil through vegetables in mg was calculated by equation 2: (2) Where; Cm is heavy metals conc. in vegetable plants (mg/kg), CF is conversion factor, DI is daily intake of vegetables (kg/ person/day) and BAw is Average body weight (kg). The conversion factor used to convert fresh green vegetable weight to dry weight was 0.085, as described by Rattan et al., 2005; Khan et al., 2008, Arora et al., 2008). The average daily vegetable intakes for adults and children were considered to be 0.250 and 0.150 kg/ person/day, respectively, while average body weights were taken as 55 and 25 kg of the age of 35 and 16 years respectively for adult and child. Estimated Health Risk Index (EHRI) Estimated health risk index (EHRI) is the ratio of estimated daily intake of metal (EDIM) to the reference dose (RD) is defined as the maximum tolerable daily intake of a specific metal that does not result in any harmful health effects. If the value of EHRI less than one than the exposed population is said to be safe and if greater than one indicating that there is a potential risk associated with that metal (IRIS, 2003) was calculated by below given equation: (3) Result and discussion Metal concentration level in water and soil The quality of domestic wastewater and ground water (tube well) was assessed for irrigation with respect to their pH, EC, OC and some of the heavy metals. The pH of the sewage water in the range of 6.8-7.3 (7.03ÂÂ ±0.07) was lower than the ground water as collected from the nearby area in the ranged of 7.2- 7.9 (7.6ÂÂ ±0.12) while its salt content (EC) was in the ranged of 175.8-195.3 mS/m considerably higher than those of ground waters (148.9-158.6 mS/m). The concentration for heavy metal contents in domestic wastewater and in ground water samples shows that Cd, Pb, Cu, Zn, Cr and Ni (figure 1) are well within the limits permissible limit set by FAO (1985) and PFA (2000). In general, concentrations of heavy metals were higher side in domestic wastewater than in the ground waters (Tube Well) which could be toxic to some crops and human health. In the studied area, the concentration of all the heavy metals in water and domestic wastewater were found to be higher except Zn fr om the permissible limits of Indian standards (PFA, 2000) and (WHO/FAO, 2007). The total concentrations of heavy metals (Cd, Pb, Cu, Zn, Cr and Ni) in soils sampled at the three different sites are presented in figure 2. The average pH of the location-I (7.04ÂÂ ±011), location-II (7.02ÂÂ ±0.19) and location-III (7.0ÂÂ ±0.03) soil are almost nearly neutral. The electrical conductivity (EC) was 190.2-273.6 mS/m for location-I, 202.8-247.2 mS/m for location -II and 170-271.3 mS/m for location-III. The percent organic carbon contents in soil were higher due to constant domestic wastewater irrigation and ranged from 3.48-5.2% for location-I, 3.85-5.54% for location-II and 3-69-5.6% for location-III. As the sub soils were clayey the organic carbon was found to be in high percent. Soil organic carbon is the most important indicator of soil quality and in addition to acting as a store-house of the plant nutrients plays a major role in nutrient cycling (Rattan et al., 2005). Across the study area, wide ranges of soil heavy metal concentration were observed and are shown in figure 3. The observed concentration of heavy metal in ranged between 37.76-73.5 mg kg-1 for Cd, 2.74-22.44 mg kg-1 for Pb, 0.54-24.16 mg kg-1 for Cu, 0.96-12.44 mg kg-1 for Zn, 3.21-72.85 mg kg-1 for Cr, 1.37-6.47 mg kg-1 for Ni, and 249.3-773.4 mg kg-1 for Fe for location-I. For location-II, heavy metals ranged between 23.7-103.7 mg kg-1 for Cd, 5.67-30.99 mg kg-1 for Pb, 3.04-16.47 mg kg-1 for Cu, 3.16-9.16 mg kg-1 for Zn, 3.19-41.35 mg kg-1 for Cr and 4.68-13.77 mg kg-1 for Ni; 6.31-66.61 mg kg-1 for Cd, 3.20-19.60 mg kg-1 for Pb, 1.35-11.81 mg kg-1 for Cu, 4.47-15.55 mg kg-1 for Zn, 1.38-3.54-46.64 mg kg-1 for Cr and 1.38-9.99 mg kg-1 for Ni for location-III. The domestic wastewater irrigated soil in all locations, the heavy metal (Cd, Pb, Cu and Cr) concentrations was not significantly and for Zn and Cr is significant at (P The results have clearly indicated higher concentration of metals in soils which is contributed prolonged irrigation by sewage wastewater. If the same trend continues the concentrations of metals will accumulate in the soil. Relatively higher amounts of these heavy metal which attributes to the reduction in soil pH to moderately acidic conditions as well increase in organic carbon due to the continuous use of sewage effluents. This may be a cause of prime concern in near future. Long-term application of domestic wastewater will result in increase in organic carbon and decrease in pH. Heavy metal accumulation in vegetables The concentrations of heavy metals in edible part of vegetables (Table 3 and figure 2) were investigated in vegetables which is commonly grown. The bioaccumulations of heavy metals concentration in all the vegetables are different, so no similar trend have been observed for heavy metal concentration. The heavy metals bioaccumulation in cauliflower was Zn > Pb > Cu > Ni > Cd > Cr, for cabbage was Pb > Zn > Cd > Cr > Cu > Ni, for carrot was Zn > Pb > Ni > Cu > Cr > Cd, for brinjal Zn > Pb > Cd > Ni > Cr > Cu, for spinach was Zn > Ni > Pb > Cd > Cu > Cr , a similar trend have also been observed by Pandey and Pandey (2009) and for radish Zn > Ni > Pb > Cr > Cu > Cd. Cauliflower accumulated in the range of 0.15-0.27 mg kg-1 Cd, 0.14-0.34 mg kg-1 Pb, 0.7-1.75 mg kg-1 Cu, 2.9-5.9 mg kg-1 Zn, 0.10-0.35 mg kg-1 Cr and 0.01-0.60 mg kg-1 Ni, cabbage accumulated 0.30-1.20 mg kg-1 Cd, 3.37-5.37 mg kg-1 Pb, 0.06-1.10 mg kg-1 Cu, 0.74-4.90 mg kg-1 Zn, 0.06-1.23 mg kg-1 Cr and 0.01-0.34 mg kg-1 Ni, carrot accumulated 0.20-0.70 mg kg-1 Cd, 0.98-3.25 mg kg-1 Pb, 0.55-1.95 mg kg-1 Cu, 2.65-4.02 mg kg-1 Zn, 0.96-1.50 mg kg-1 Cr and 0.85-1.36 mg kg-1 Ni, brinjal accumulated 0.50-1.10 mg kg-1 Cd, 0.80-2.64 mg kg-1 Pb, 0.30-0.46 mg kg-1 Cu, 3.26-3.90 mg kg-1 Zn, 0.30-1.02 mg kg-1 Cr and 0.64-0.86 mg kg-1 Ni, spinach accumulated 0.7-1.88 mg kg-1 Cd, 1.26-3.8 mg kg-1 Pb, 0.90-1.45 mg kg-1Cu, 1.6-6.75 mg kg-1 Zn, 0.65-1.05 mg kg-1 Cr and 0.01-3.80 mg kg-1 Ni, and radish accumulated 0.22-0.38 mg kg-1 Cd, 0.64-1.24 mg kg-1 Pb, 0.19-1.30 mg kg-1 Cu, 0.56-2.70 mg kg-1 Zn, 0.76-1.25 mg kg-1 Cr and 0.21-2.40 mg kg-1 Ni. The range of Cd concentration in brinjal (0.50-1.10 mg kg-1) recorded in this study was lower than the range (1.10 9.20 ÃŽÂ ¼g g-1) reported by Sharma et al. (2006). Vegetables (spinach and cabbage), range of Ni concentration was highest in spinach (0.01-3.80 mg kg-1). These values were lower than the range (5.55 15.00 ÃŽÂ ¼g g-1) reported by Sharma et al., 2006 and Singh et al., 2010 in spinach from Dinapur area as well as the range (0.2 3.0 mg kg-1) in spinach from waste water irrigated areas of Hyderabad reported by Sridhara Chary et al. (2008). In cabbage concentrations of Pb, Cu, Zn, Cr, Ni and were lower during the present study as compared to those obtained by Sridhara Chary et al. (2008). The present concentration (mg kg-1) of 0.30ÂÂ ±0.03 for Cd, 0.94ÂÂ ±0.10 for Pb, 0.83ÂÂ ±0.18 for Cu and 0.94ÂÂ ±0.09 for Cr in radish were lower than the values obtained for radish collected from a suburban area of Zhengzhou city, Henan Province, China (Liu et a l. 2006). Khan et al. (2008) have reported higher concentrations of Cd, Pb, Cu, Cr and Ni and in radish plants grown at waste water irrigated areas of Beijing than the clean water irrigated ones. Among all the heavy metals, Zn concentration (4.26ÂÂ ±0.06) was higher and Cr (0.09ÂÂ ±0.07) was lower in cauliflower. Radwan Salama (2006) have also found highest concentration of Zn in vegetables collected from Egyptian markets. The bioaccumulation of Cd in spinach is higher than all the tested vegetable samples and similar result have also observed by Zhuang et al., 2009 in chaina. The bioaccumulation of Pb, Cu, Zn, Cr and Ni were found higher in cabbage, carrot, cauliflower, carrot and radish respectively. The results indicate that the concentrations of heavy metals in all the vegetables below the Indian standard (PFA, 2000) and (WHO/FAO, 2007). Heavy metal transfer factor Due to industrialization and urbanization, the heavy metal concentration of soil has increased worldwide. Soil-to- plant transfer of heavy metal is major pathway of human exposure to soil contamination (Chi et al, 2004). The high transfer factor from soil to plants indicates a strong accumulation of the particular metals by vegetable crops (Khan et al., 2008). The results indicated that TF values were lower for Cd, Pb, Cu and Cr, and higher TF for Zn and Ni from those. The transfer factor values in soil to plant of studied metals such as Cd, Pb, Cu, Zn, Cr and Ni for various vegetables varied between vegetable plants and locations are shown in table 4. The results revealed that there is large variation in transfer factor of Cd, than other metals in all three locations. The spinach (0.0306) had very high transfer factor for Cd and followed by brinjal (0.0207), cabbage (0.0165), carrot (0.0108), radish (0.0071) and cauliflower (0.0049). Similarly, The cabbage (0.4448), had very high tr ansfer factor for Pb and followed by carrot (0.2376), spinach (0.2187), brinjal (0.0207), cauliflower (0.1672) and radish (0.0988); The carrot (0.2977) had very high transfer factor for Cu and followed by, spinach (0.2642), cauliflower (0.2537), radish (0.1740), cabbage (0.0881) and brinjal (0.0818); The carrot (0.0764) had very high transfer factor for Cr and followed by radish (0.0619), spinach (0.0527), cabbage (0.0454), brinjal (0.0408) and cauliflower (0.0054) for location-III; The cauliflower (0.2494) had very high transfer factor for Zn and followed by carrot (0.1991), brinjal (0.1909), cabbage (0.1862), spinach (0.1739) and radish (0.0984) for location-II; The spinach (0.7469) had very high transfer factor for Ni and followed by carrot (0.4451), radish (0.4542), brinjal (0.2348), cauliflower (0.0732) and cabbage (0.0335) for location-I. The transfer factor of Cd, Pb, Cu and Cr is more in Location III, similarly, Zn in location II and Ni in location-I. Therefore, vegetable cr ops growing on polluted site can accumulate high concentrations of trace elements to cause serious health risk to consumers. Risk Assessment In order to check the health risk of any toxicity from wastewater, it is necessary to estimate the level of exposure of the heavy metals through food chain. In this studied six vegetables were selected and calculate the health risk assessment in terms of estimated daily intake of metal (EDIM) and estimated health risk index (EHRI) by considering the intake of metal through vegetables by the human being. Estimated Daily Intake of Metal (EDIM) The daily intake of heavy metals was estimated on the basis of the average consumption and concentration of metal in particular vegetable spices. The average concentration of Cd, Pb, Cu, Zn, Cr, Ni and Fe are shown in table 3. Based on the above concentrations, the estimated daily intake of metal (EDIM) for adults and children through food chain were calculated is shown in Table 5. The highest daily intake of metal such as Pb, Zn, Ni, Cu, Cd and Cr were from spinach, cabbage, cauliflower, spinach, carrot, spinach and Carrot respectively grown in domestic wastewater for both adults and children. The results of studied revealed that EDIM suggest that the consumption of vegetables grown in domestic wastewater polluted location is high but is free from any risk as the dietary intake of Cd, Pb, Cu, Zn, Cr and Ni in adults is below than the permissible limits (WHO, 1996). Estimated Health Risk Index (EHRI) In order to investigate the estimated health risk index (EHRI) associated with domestic wastewater irrigated soil, it is essential to estimate the level of exposure by quantifying the route of exposure of a heavy metal to the target person. The results indicate that the EHRI values were less than one for Cd, Pb, Cu, Zn, Cr and Ni in all tested vegetables consumption. Therefore, the health risks of heavy metals such Cd, Pb, Cu, Zn, Cr and Ni exposure through vegetables was no consequences and generally assumed to be safe. All the estimated dietary intake of Cd, Pb, Cu, Zn, Cr and Ni were far below the tolerable limits. The oral reference dose (RD) for Cd, Pb, Cu, Zn, Cr and Ni are 1.0E-03, 3.5E-03, 4.0E-02, 3.0E-01, 1.5E-00 and 2.0E-02 mg kg -1 day -1, respectively given by US-EPA (2002), IRIS (2003). The results of the study showed that EDIM and EHRI suggest that consumption of vegetable grown in polluted soil irrigated with domestic wastewater is nearly free of risk. But there are a lso other sources of metal exposure such as dust inhalation, vehicular exhaust which were not include in this study. Conclusion The prolonged domestic wastewater irrigation increases heavy metal accumulation in the soil has lead to contamination of food crops in the study area. This study shows that edible vegetables shows significant bioaccumulation of heavy metals in vegetables grown in sewage wastewater irrigation. These vegetables are supplied to local markets and there is possibility of health hazard associated with consumption of these contaminated vegetables over a long period of time. The concentration of all heavy metals in domestic wastewater was found to be higher except Zn from the permissible limits of Indian standards (PFA, 2000) and (WHO/FAO, 2007). The results indicated that higher concentration of metals in soils which is contributed prolonged irrigation by sewage wastewater. If it is continues, the concentrations of metals will accumulate in the soil. Relatively higher amounts of these heavy metal which attributes to the reduction in soil pH to moderately acidic conditions as well increase i n organic carbon due to the continuous use of sewage effluents. The concentration of heavy metals in all the vegetables is lesser than Indian standard (PFA, 2000) and (WHO/FAO, 2007). The transfer factor of Cd, Pb, Cu and Cr is more in Location III, similarly, Zn in location II and Ni in location-I. Therefore, vegetable crops growing on polluted site can bio-accumulate high concentrations of trace elements to cause serious health risk to consumers. The highest daily intake of metal such as Pb, Zn, Ni, Cu, Cd and Cr were from consumption of the spinach, cabbage, cauliflower, spinach, carrot, spinach and Carrot respectively grown in domestic wastewater for both adults and children. The results of studied revealed that EDIM and EHRI suggest that the consumption of vegetables grown in domestic wastewater polluted location is high but is free from any risk. Therefore, the health risks from the heavy metals such Cd, Pb, Cu, Zn, Cr and Ni exposure through vegetables was no consequences and generally assumed to be safe. Therefore, in order to reduce risks, plants with lower accumulative nature should be grown. In this scenario the present study significantly indicating the need for proper treatment and disposal of domestic wastewater with low cost and worldwide acceptable technology.

hamburgers and ground beef :: essays research papers

Hamburgers and Ground Beef   Ã‚  Ã‚  Ã‚  Ã‚  Each individual in America has a goal he or she wants to accomplish. Whether it’s to purchase a new car or a huge home, it’s a goal wanted to be reached. However with the amount of fast food that Americans eat today, they will have a hard time accomplishing these goals because of the obesity or even disease they’ll have from the fast food. One major fast food that we like to eat while on the go is hamburgers. If it’s breakfast we grab a burger, if it’s lunch we grab a burger and even when it’s dinner we will grab a burger and might throw in some fires and a huge soda to go with it. Hamburgers are one of the leading causes of obesity and disease catching food.   Ã‚  Ã‚  Ã‚  Ã‚  In the Bio Analogics article it states that nearly two-thirds of residents of United States are overweight, and since 1991 the incidence of obesity has risen from 12 percent to more than 25 percent. This is due to the amount of junk food and burgers, we ate daily. To see if I am also one of these fast food consuming eaters, I composed a diary of what I eat daily and I discovered that within my weekly schedule, that’s between school and work- I eat hamburgers at least three times a week. I ate these burgers not just from one place, I ate them from four different places. The first one I ate was at In-and-Out. The second one was at Fuddruckers. The fourth day I had one in McDonalds and on the sixth day in which my friends and I went to Applebee’s after work and I still had the nerve to order a hamburger even when there were other items on the menu.   Ã‚  Ã‚  Ã‚  Ã‚  Hamburgers come from ground beef, which in reality if you consume a couple of hamburgers per month, it won’t harm you, but it states in ConsumerReports.org, â€Å"Americans show their affection for ground beef and burgers by consuming approximately 30 pounds of ground beef per person per year. Ground beef's saturated fat can contribute to heart disease, and the bacteria it sometimes harbors can sicken or kill someone who eats beef that is not cooked thoroughly.† With this information available to Americans daily, we still do consume the ground beef and even have the nerve to tell ourselves and our friends that we plan to cut back on it any day now.

Indecision, Hesitation and Delay in Shakespeares Hamlet - Procrastination :: GCSE Coursework Shakespeare Hamlet

Hamlet's Procrastination In William Shakespeare’s Hamlet, Hamlet’s tragic flaw is his procrastination. From the first time Hamlet was acted until now, critics have fought over the reason for Hamlet’s procrastination. Some say that the cause is due to Sigmund Freud’s theory that Hamlet has an "Oedipal Complex," which is his love for his mother. Others argue that he just never finds the right time to carry out the revenge of his father’s murder. The Oedipal Complex theory in regard to Hamlet’s situation seems more likely because of the amount of times Hamlet has to kill Claudius but always fins a reason not to kill him. If it is not the case, then the cause of the procrastination remains a mystery. There is no reason for Hamlet not to kill Claudius, whom he hates, and was ordered by a higher power to destroy, other than the fact that subconsciously, Hamlet needed Claudius to keep him away from his mother. Hamlet procrastinated only because of his fear of intimacy with his mother, knowing that Claudius was the only person separating he and Gertrude. Although Hamlet has a pious duty to avenge his father’s murder, his desire for his mother is too strong for him to leave an open pathway to her. He tries to find excuses to postpone his killing Claudius. First, he tries to discover whether or not Claudius really did kill King Hamlet, which gives him some time. After he has convinced himself that Claudius is to blame, he attempts to murder him just twice. The first time, he finds Claudius praying, and uses that as a scapegoat so he can again put off his pious duty. Later when he is alone with Gertrude, he thinks that Claudius is behind the curtains, and kills the man there. Unfortunately, Polonius becomes the victim of Hamlet’s dagger. The only time when Hamlet does not hesitate to carry out his pious duty is when he is in the bedroom with Gertrude. Unfortunately by mere coincidence, Polonius is the man behind the bedroom curtain, not Claudius. Hamlet stabs Polonius instinctively because he is where he truly desires to be, with his mother. This is the only time when Hamlet actually has the courage to try to kill Claudius, thus opening the path to Gertrude. All of the other times in the play, Hamlet is either alone or with people who he needs to hide his desire from.

Effects Of Divorce On Children :: essays research papers

Since there is a lot discussion of the effects of divorce on children, I choose this to be my topic. In 1991 Amato and Keith (researchers) examined the results of 92 studies using 13,000 children ranging from preschool to young adults to determine what the overall results indicated. The overall result of this study was that children from divorced families are on "average" somewhat worse off than children who have lived in nuclear families. These children have more trouble in school, more behavior problems, more negative self-concepts, more problems with peers, and more trouble getting along with their parents. Overall, the children are more alike than different. Amato tells us that average differences do not mean that all children in divorced families are worse off than all children in intact families. One way to examine this issue is illustrated by findings of Mavis Hetherington. Hetherington, like many others, finds these average differences, but she also looked at some of her measures and examined the degree to which children in divorced and intact families were more severely impaired. Here we find some important differences. On a measure of behavioral problems, Hetherington reports that 90% of adolescent boys and girls in intact families were within the normal range on problems and 10% had serious problems that we would generally require some type of help. The percentages for divorced families were 74% of the boys and 66% of the girls in the normal range and 26% of the boys and 34% of the girls were in the negative scale. The differences between children in different kinds of families are parental Loss, economic loss, more stress, poor parental adjustment, and exposure to interparental conflict. All experts will agree that any life altering change is effective on a child's life.

The Seven Phases of the Systems Development Life Cycle

COMPUTERIZED PAYROLL SYSTEM FOR TURNSHOP (A SUPERMARKET) PURPOSE AND PROBLEM(Initiation): Firstly the purpose of this system is to help Turnshop to solve it problem in the running of it accounting department which the whole company relies on it, so that they can have accurate, reliable and fast processing of their payroll system in the company.For now the payroll system of the company is process manually and since there are 2000 employees and more actives of the company it make it very hard and tedious to accomplish this task in the company, it also cause a high room for errors, overtime, resources and money and it will help the company a lot if they have a computerized payroll system (CPS). PlANNING The cost of the computerized payroll system (CPS) is about 50,000 Ghana cedis. since we will install a two new severs for them to handle most of most of their data, one of the sever will act as a recovery and the other works as the main.And also the cost will include a free demonstration and practical tutorial for the accounting staff in TURNSHOP as well with three (3) months training using the computerized payroll system (CPS). we will help during the period of transition. It will be a user friendly and easy to install and use. 1. Since the company already has some hardware requirements already this can be use for the computerized payroll system(CPS) ,so we only need to install the software on the computers and laptops in the company and link them to the sever.SAP solutions will be installed to provide the company-wide accessibility so that they can accelerate an accurate financial closing cycle at any level. This will provide the business management solutions through the financial record of the employees and the management of finance in the company such The Detailed Employee List contains all the pay, deduction, benefit, state, And local tax codes, and monthly, quarterly, and yearly totals for each Employee. The report also provides wage and withholding informati on.Print the Detailed Employee List to review all the employee records That is set up in Payroll. It will eliminate the manual payroll and transaction system in the company which is time consuming and also there is a bigger chance of having errors. FLOWCHART FOR THE EMPLOYEE PAYROLL SYSTEM REQUIREMENTANLAYSIS Beginning the payroll process for the company starts with obtaining the proper documentation from employees. The human-resources department and the accountant department will need to forward an internal form or a copy of the accepted-offer letter complete with the appropriate paperwork to us.Once this process is verified as finished, recording of employee information can begin and designing and deploying for the payroll period can start. Question will be also ask and it will be both open and close questions, to help us get the full understanding of how the payroll works in the company. For example What is salary package in the organization? How the salaried will be paid? How do they calculate the local tax codes, and monthly, quarterly, and yearly totals? And many more DESIGN STAGE OF THE SYSTEMIn the design the organization system will be targeting a hierarchy as follows: Company -> Cluster -> Business Unit (BU) -> Department -> Employee, The salary for an employee is made up of various salary components. Each salary component has 3 rules associated with it, a Calculation Rule (Calculate component as percentage of another component, or percentage of a fixed number or a fixed number), an Eligibility Rule (whether an Employee/Dept is eligible for a component) and a Constraint Rule which limits the maximum and minimum of a component. These rules are editable and can be edited by a user end user.Also these rules are inherited top-down, but if defined at a lower level, the lower level rule takes precedence. The database will contain Attendance, Leaves, Bonuses tables and these rules are also supposed to interact with each of the tables. The client will be gen erating payroll for multiple clients each hosting a Separate Database instance. They may each have a different interpretation of each component and may have different components. We are only looking to support SQL Server, and payroll generation will be an offline activity and also an online activity in some instant.It will work upon where to put the logic which uses these rules to generate the individual tax components (which will include Tax Deductions, Tax Write-offs, Allowances, etc). The system will take an employee Id and generate a payroll for that month. The order of our priorities is: 1. The ability to adapt changes to new clients quickly 2. Long term maintainability 3. Performance 1 and 2 outweigh 3 here by a large factor as this will be an offline activity. Maintainability and Quick Customizability are very important; we will be deploying the application for different clients.Client A may have a Salary Component Rule as ((0. 3 * Basic) + 800) and Client B as (0. 2 * Basic) + (0. 1 * Attendance Bonus) Also report on the payroll will be created in this stage. DEVELOPMENT STAGE After the System Design it leads to Development where the information system is built and programmed. Here we develop all the necessary ideas we got through the requirement stage and the design stage and send them a prototype so that they can try and gives us the feedback, also this phase where the bugs are worked out of the system. A contingency plan is also developed at this point.A contingency plan is an emergency management document. If the power goes out – what happens to the system? What is the back up? How fast can it be brought back up to speed? INTEGRATION AND TESTING STAGE This is the formal integration and testing of the system. Testing has been done on the development phase, but in the Integration and Testing Phase it is a formal, documented testing procedure, not only to assure that the system performs as designed, but testing the roll-out of the system. If th ere is already another system in place with data, how fast can that data be migrated into the new system and useable to the company?Usually, the system is rolled-out over a weekend so that if anything goes wrong, the old system is still active and available. Integration and Testing is vital for the decision to go with the new system, trusted to the system. Also In this stage the functionality of the individual sub systems in the payroll are tested to ensure proper operation. After successful testing of each subsystem the entire system of the payroll is tested to ensure all subsystems work together properly and so that an employees can check every information on his or her payroll.