Impact of Csr

Daycare facilities across all our production and work centers . -Achieve a healthy corporate governance. An open door policy where every employee has a forum to debate issues if at all with Management. -Promoting Organic Cotton Products helps s to take care of the different aspects which can directly or indirectly effects us and our society and they remain with us happily as long as they can. When Society is benefited, we are benefited by default. Employee morale it our workforce remain motivated, 10. If asked for suggestion, what necessary changes would you like to make in the field of CAR? Auditing should be done more strictly -special laws should be made for female workers according to us more rules and regulations should be made for women empowerment and government should have more involvement in the ongoing process. And some Governmental help would be great. Government should help We are doing it fine 1 1 . Does CAR have any economic effects on your company?Is there any substitu te of CAR? Yes No 1 4 80% 16. Have you missed any order because of not following CAR? Yes No 05 100% 17. HOW successful CAR your company? 10-30% 31 – 51 – 76- 100% 1 18. What percent of your Company's revenue goes for following CAR, every month? Approximately 2-3 % approximately 1-2 % 1-2 % Can't disclose. N/A 19. How important do you think CAR is in general? Very Important Important Not Important 3 1 1 20. Do you have any special Laws and Facilities for Women Workers? Yes 5 No O 21. Do you allow Collective bargaining? Yes No 1 4 80% 22.Do you have any special law for Child Labor? Yes No 5 0 100% 0% 23. Are you using any external or internal CAR initiatives Auditing Team? Yes 2 40% NO 3 24. On what criteria the auditing team marks you? Global Compact Global Reporting Initiative Good Business Framework CAR goals and objectives CAR practices, policies ND culture Approach to CAR related issues with respect to its internal decision making process 001 1 2 1 25 Please tick w hether you agree/disagree Witt tolling statements resource intensive and costly concept] Yes 4 80% No 1 20% 25.Please tick whether you agree/disagree with following statements. [02. CAR is rather the obligation of large multinational companies than of Seems] Yes 1 20% No 4 25. Please tick whether you agree/disagree with following statements. [03. CAR needs to be strongly promoted by government authorities] Yes 3 60% No 2 40% 25. Please tick whether you agree/disagree with following statements. 04. Seems can only commit to CAR if resources are provided by the government or other institutions] yes 5 100% NO 0 25. Please tick whether you agree/disagree with following statements. 05. CAR needs to be legislated to ensure a wide uptake] Yes 4 No 1 20% 25. Please tick whether you agree/disagree with following statements. [06. A responsible company is a firm that strictly abides to labor and environmental laws] 25. Please tick whether you agree/disagree with following statements. [07. Respo nsible businesses go beyond what is required by law to make a positive impact n society and the environment] Yes 4 No 1 20% 25. Please tick whether you agree/disagree with following statements. [08.CAR is an important prerequisite if a firm wants to enter into a business relationship with a Western company] Yes 3 60% No 2 40% 25. Please tick whether you agree/disagree with following statements. [09. CAR is an equivalent for corporate governance] Yes 4 80% No 1 20% 25. Please tick whether you agree/disagree with following statements. [10. CAR is an equivalent for philanthropy] Yes 5 100% No 0 25. Please tick whether you agree/disagree with following statements. [1 1 . CAR includes actions to protect the environment] Yes 5 100% No 0 25.Please tick whether you agree/disagree with following statements. [12. Seems can implement CAR only with the help of external advisors] Yes 2 40% No 3 60% 25. Please tick whether you agree/disagree with following statements. [13. CAR encompasses a set o f activities companies carry out independently of their daily business operations] Yes No 5 0 100% 0% new fancy name for something that local companies have already been doing for a long time] yes 5 100% NO 25. Please tick whether you agree/disagree with following statements. 15.CAR is concept which is more important for companies located in developed than in developing countries] Yes 3 60% No 2 40% 25. Please tick whether you agree/disagree with following statements. [16. CAR is more relevant for the manufacturing industries than for the service sector] Yes 4 80% NO 1 25. Please tick whether you agree/disagree with following statements. [17. CAR is primarily motivated by public relations or marketing considerations] Yes 3 60% No 2 25. Please tick whether you agree/disagree with following statements. [18. CAR can lead to an increase in profits] Yes 5 100% No 0

Non Perfoming Loans in Commercial Banks in Zimbabwe Is Now a Cause of Concern as It Is Threatening the Survival of Banks Bit by Bit

Journal of Emerging Trends in Economics and Management Sciences (JETEMS) 3(6): 882-886  © Scholarlink Research Institute Journals, 2012 (ISSN: 2141-7024 jetems. scholarlinkresearch. org Economics and Management Sciences (JETEMS) 3(6):882-886 (ISSN:2141-7024) Journal of Emerging Trends in Insights on Non-Performing Loans: Evidence from Zimbabwean Commercial Banks in a Dollarised Environment (2009-2012) 1 Laurine Chikoko, 2Tendekayi Mutambanadzo and 3Takaiona Vhimisai 1 Department of Banking and Finance, Midlands State University, P Bag 9055, Senga, Gweru. Department of Banking, National University of Science and Technology P O Box AC939, Ascot Bulawayo. 3 Department of Banking, National University of Science and Technology P O Box AC939, Ascot Bulawayo. Corresponding Author: Laurine Chikoko ___________________________________________________________________________ Abstract This study was prompted by the gradual deterioration in asset quality in most commercial banks in Zimbabwe aft er the adoption of the multiple currency exchange rate regime. The poor asset qualities were reflected by the non-performing loans trending towards the watch list category.In this regard we investigated the commercial bank credit process with the objective of understanding the fundamental causes of the impaired assets that are bedeviling the Zimbabwean banking sector so that some of the mistakes are not repeated and correctional measures are put in place. The methodology adopted a survey research design with use of questionnaires and interviews with commercial banks head credit risk, head retail and head corporate banking division from 15 registered commercial banks in Zimbabwe.Research findings show that some banks were sitting on nonperforming loans due to poor credit analysis processes; wrong products offered to the clients; lending based on balance sheet strength instead of cash flow based lending; banks taking too much comfort in security; information asymmetry leading to moral hazard; economic environment and political influence. Key recommendations include an urgent setting up of the Credit Bureau; banks should not adjust clients request and the need for banks to consider the economic environment and adjust their credit culture.The central bank needs to tighten its supervisory role and ensure prudential guidelines are not violated. _________________________________________________________________________________________ Keywords: credit analysis, loan products, non-performing loans, Zimbabwean commercial banks, dollarised environment. __________________________________________________________________________________________ INTRODUCTION the watch list category. The implication is that Zimbabwe adopted a multiple currency regime in borrowers were struggling to repay loans leading to 2009.A multiple currency system allowed trade to be the problem of banks sitting on non-performing conducted using major trading currencies, for loans. example, the United St ates Dollar (USD), Pound Sterling, South African Rand, and the Botswana Pula. Each non-performing loan in the financial sector is After the adoption of the multiple currency system, viewed as an obverse mirror image of an ailing the banking sector experienced marked unprofitable enterprise.From this point of view, the improvements in the intermediary role which resulted eradication of non-performing loans is a necessary in improved financial support to the key productive condition to improve the economic status of the sectors of the economy (Reserve Bank of Zimbabwe financial institution. Continuously rolling over non(RBZ), 2010). A research conducted by the performing loans locks up resources that could International Monetary Fund in 2010, indicated that otherwise be invested to profitable sectors of the the profitability of banks had improved following a economy.Intuitively this hinders economic growth more favourable economic environment during the and impairs economic efficiency . Consequently this new regime. While officially reported, aggregate study seeks to provide insights on Zimbabwean banking soundness indicators do not raise major red commercial banks non-performing loans. The flags, they mask vulnerabilities specific to a fully ultimate objective is to draw lessons from dollarised banking system experiencing rapid credit commercial banks lending in Zimbabwe during the growth, as well as a significant variation in prudential multiple currency regime.The paper is organised as indicators across individual banks. The Reserve Bank follows. In the second section, we present brief of Zimbabwe (2012) also noted that there has been review of literature. In the third section we present gradual deterioration in asset quality as reflected by the research methodology; in the fourth section a the level of non-performing loans trending towards 882 Journal of Emerging Trends in Economics and Management Sciences (JETEMS) 3(6):882-886 (ISSN:2141-7024) discussion of the findings.Finally we present conclusions and recommendations. LITERATURE REVIEW A non-performing loan is an advance by a financial institution that is not earning income and full payment of principal. As such interest is no longer anticipated (Van Greuning, & Bratavonic, 2003). There is no global standard to define non-performing loans at the practical level. Variations exist in terms of the classification system, the scope, and contents. This pitfall potentially adds to disorder and uncertainty in the non-performing loans subject.For instance, as described by Park (2003), during the 1990s, there were three different methods of defining non-performing loans: the 1993 method based on banking laws; the â€Å"Bank’s Self-Valuation† in March 1996; and the â€Å"Financial Revival Laws-Based Debt Disclosure† in 1999. These measurements have gradually broadened the scope and scale of the riskmanagement method in the banking industry. The literature that examines non -performing loans has increased as more researchers attempt to understand the major factors that cause financial instability.This trend has arisen due to the role played by impaired assets in financial instability as evidenced by the strong association between nonperforming loans and banking crises. In most of the economies that collapsed, credit risk preceded financial crises. Khemraj (2005) revealed that the banking crises in East Asia and Sub-Saharan African countries were preceded by high non-performing loans. This stimulated research in trying to establish the causes of non-performing loans in banks.Caprio (1998) had earlier presented stylised evidence and found that inadequate regulation and lack of supervision at the time of the liberalisation could play a key role in explaining why deregulation and banking crises were so closely entwined. The analysis of Kaminsky and Reinhart (1999) provides interesting insights on the links between financial crises with financial liberalisa tion. The study found that the proxy variable for financial liberalisation which was the growth in domestic credit as a ratio of output, accelerated greatly as the crises emerged.Earliest studies to examine the causes of loan losses were by Keeton and Morris (1987). The study showed that local economic conditions along with the poor performance of certain sectors explain the variation in loan losses recorded by the banks. The study also reports that commercial banks with greater risk appetite tend to record higher losses. Garey (1991), also concur with the early studies of Keeton and Morris. Garey (1991) found that loan lossexperience of large commercial banks in the US was influenced by both internal and external factors.This study found a significant positive relationship between the loan-loss rate and internal factors such as 883 high interest rates, excessive lending, and volatile funds. Non-performing loans were influenced by gross domestic product growth, high real interest ra tes, lenient credit terms and excessive lending by commercial banks (Goacher, 2002; Howells and Bain, 2002; Heffernan, 2005; Freixas, 2007 and Machiranju 2008). Despite the abundant literature on non-performing loans, to the researchers’ knowledge, no study has been done on causes of non-performing loans on Zimbabwean commercial banks after dollarisation in 2009.METHODOLOGY A survey research design was used in this study. The survey allowed the collection of large amount of data in an economical way (Saunders et al, 2003). Data obtained through use of questionnaires was standard which allowed easy comparison. The limitation to the survey strategy was the fact that data collected may not be as wide-ranging as those collected by other research strategies. There is a limit as to the number of questions that any questionnaire can contain if the goodwill of the respondent is not to be presumed on too much. To mitigate this weakness, personal interviews were used in the survey stra tegy.Data was collected from 15 registered commercial banks in Zimbabwe. The key informants were departmental heads of credit risk, retail and corporate banking divisions. In addition account relationship managers were randomly selected in the survey. The study was carried out in Harare mainly because that is where all commercial banks are headquartered. Data from the survey was analysed using STATA version 11. Tabulations were used to show percentages and frequencies of respondents in each response category, with cross-tabulation tables showing percentages and frequencies between two given categories.Crosstabulations were computed together with correlation test between two variables by using Pearson chisquare. LIMITATION OF THE STUDY The issue of non-performing loans is a sensitive and confidential issue since it has a bearing on bank performance and reputation. To this end, we had challenges in getting a detailed account from some of the respondents. However, to overcome this we h ad to interview many respondents from the same institution in order to fill in the missing details. EMPIRICAL FINDINGS On average the banks were in business for thirty seven years but varied from five up to one hundred and eighteen years.Table 1 summarises the ages of the fifteen commercial banks. Table 1: Tabulated Zimbabwe Commercial Banks Years in Business Variable Years in business Observation 15 Mean 37. 5333 Std Dev 40. 2347 Min 5 Max 118 Journal of Emerging Trends in Economics and Management Sciences (JETEMS) 3(6):882-886 (ISSN:2141-7024) From the survey, age had nothing to do with the problem of non-performing loans as reflected by a? statistic of 5. 86 (P=0. 210). Of the banks surveyed, 20% were internationally owned banks and 80% were locally owned banks.It was evident from the survey that locally owned banks had the problems of non-performing loans while internationally owned banks did not have problems of non-performing loans. This was shown by the observed differences i n ownership and non-performing loans which were statistically significant as shown by the of 17. 26 (P

Compare and Contrast Frederick Douglass and Sojourner Truth Essay

Back to when the America came to Africa to capture many people over there and enslaved them to serve the high class of the America. That was started everything from the segregation to abolitionists. After about 400 years of slavery and bondage, it was time for descendants of African slaves can reconcile America’s bloody history of human bondage. Many African Americans was standing up and fighting back and Frederick Douglass and Sojourner Truth were known as the first out of so many brave people. Both Douglass and Sojourner just like many other African Americans were born into slavery and experienced many horrible treatments from their masters until they can escape themselves. D. By comparing and contrasting the life and accomplishment of the two ex-slave Frederick Douglass and Sojourner Truth, I am going to analyze their upbringing as well as families broken apart, slavery for men vs. women and activism with historical legacy. From a very young age, Douglass as well as Sojourner never got to know about their age like other White kids or live under their parents’ protection. Douglass’s mother died when he was 10 and as he was described his feeling was not so upset toward her death because of the separation between them. Also, he heard his black-fellow predicted that his father might as well be his father but he never got a chance to find out the truth. On the other hand, Sojourner seemed to have a better relationship with her family. She was one of the 10 or 12 children born to James and Elizabeth Baumfree who were slaves. The Baumfree family was enslaved by Colonel Hardenberg in a hilly area. They were together until the death of Charles Hardenbergh, her master; Truth was sold away at an auction. The separation at these early ages causes them to become stronger and grew up because that was the only way to service in that world. Through Douglass’s slavery life, he only had two masters and both of them were not very nice to him. Since Douglass was a smart little boy, he often got away with any unflavored situations. One of his unforgettable overseers was Mr. Severe. He was famous for his cruelty and brutal manner. At dawn, when all the slaves were summoned to the field, Mr. Severe was prepared to whip any unfortunate slaves that did not ready to start by the sound of the horn.

The Current Tools for Diplomacy and Peacekeeping Coursework

The Current Tools for Diplomacy and Peacekeeping - Coursework Example The focus has been on occasional operations involving peacemaking and humanitarian intervention instead of wars. In Africa, several peacekeeping bodies have been made such as African Union`s Peace and Security Council, working on conflict prevention and preventive diplomacy. Nearly half of the UN peacekeeping operations in Africa are in Sub-Saharan Africa, the objectives of which are to promote stability in several regions of Africa, to stop renewed violence in Congo and other such peacemaking objectives. The US presidential statement focused on dealing with the root causes of violence in Africa. It also focused on the importance of structural and operational strategies for peacemaking in the region. It has been observed that Africa has fully supported the efforts of the UN in the promotion of peace and stability in the country through these diplomatic tools. The dominant powers have co-operated by providing security in exchange for resource supplements. Several peacemaking missions have already been completed such as those in Somalia, Rwanda, Liberia etc and several others are in process. The  US has used mediation strategies such as those in Angola and Namibia agreements and other indirect mediation in Liberia etc. Equitable power balance has been promoted throughout Africa. Central state power has also been reduced to give more autonomy to political groups and parties. The Rwandan genocide was one of the most devastating massacres of the world. Nearly 800,000 people were killed without any reason. The killing of these 800,000 people went unchallenged by the global community as important decision makers ignored such a big massacre. The United Nations sent a group of peacemakers for what seemed to be a plain and straightforward mission.

Mythology Essay Example | Topics and Well Written Essays - 500 words

Mythology - Essay Example The beliefs and traditions that I can trace to my own ancestry are related to marriage, burial and roaming out at late night. The marriages that are conducted between two individuals are to be adjusted by elders, as it is believed that a marriage that is not arranged by elders will bring misfortune to the family. In addition, it is considered that the bride should be in white dress compulsorily as any other dress is not suitable for a bride and can bring disastrous results for the future lives of bride and groom. As far as burial is concerned, it is essential that all people should be dressed in black to indicate that they are sorrowful. For a death ceremony, black color is regarded as appropriate as it shows that everybody will be deprived of any color when death will come to him/her. Due to the beliefs that my family keeps, my family always regards that elders should be involved in all kind of decision making to avoid any kind of misfortune for the whole family. Misfortune can be related to the gods of fortune. My family never allows anyone to go out at late nights because it is regarded that evil and witchcraft are common at nights and can be harmful for anyone. This can be associated to gods of evil and witchcraft. 2. Are myths true? Literally? Whether true or not, do they have metaphoric truth to them? What is the relationship between myth and religion? Can on myth be more true than another? Can anyone claim absolute truth, and if so, how? Mostly myths are not true. However, those, which are associated to religion such as birth of Adam and Eve and their forced departure from heaven on the basis of their disobedience cannot be considered wrong as this is a true myth. Those myths that talk about gods and goddess such as sun god, goddess of love, goddess of evil, etc. are not true and are the outcome of those beliefs that ancient people used to keep because of their lack of knowledge concerning the phenomena of the universe. Metaphors and myths are related

Report for MAERSK Essay Example | Topics and Well Written Essays - 1500 words

Report for MAERSK - Essay Example Understanding of these basic economic principles is to play a pivotal role in the defining future customer oriented successful strategy. In a similar context, the underlying report will shed light on the basic demand and supply and related factors for the shipping industry. The report will also make recommendations with respect to the pricing strategies of Maersk. Despite this growth of the world trade, the shipping industry remained under pressure due to oversupply. According to the DSF (2013) report, year of 2012 continues to expand crises in the shipping. The fleet has grown by 45% since 2008 while the demand growth has remained only at the 15%. The similar condition has left the industry with the oversupply of vessels, yard capacity, and container and consequently has taken down the earnings. Despite this oversupply, the industry is continuing the order books. This is also putting downside pressure on the asset value of a vessel in the long term, further, are expected to the increase the value of scrap on the industry (DSF, 2013). The world trade had considerably positive outlook of 19% growth for the year 2011 to 2014. The growth in world trade has a positive impact on the demand of the shipping industry. Therefore, increase in demand have balancing impact on the imbalance between the demand and supply of the shipping industry. Therefore, graphically it will be reflected as follows: Hence, current prices of the shipping industry which are under pressure (P0) due to limited demand will gain certain support (to P1) as the demand revives from D0 to D1. Important to note that increase in world trade of 19% has resulted in increase in demand that has shifted the curve from D0 to D1: As noted above, the supply is also constantly increasing as the constant growth in contracting shipping industry supply development. It is noted the increase in supply is has been at a higher percentage as compared to

Discussions, week 1, week 2, week 3 Assignment Example | Topics and Well Written Essays - 500 words

Discussions, week 1, week 2, week 3 - Assignment Example To determine the cause of the itching, one should consider a history of the same symptoms. A dietary assessment is also required to determine if the skin reaction is due to an allergy. Certain drugs also cause allergic reactions. Lab tests may also be mandatory to establish if it is a microbial infection. Since the available information does not point to a specific condition, the patient should be treated for superficial infection and referred for further tests. A follow-up is necessary to assess the course of treatment (Wilson et al., 2013). Mr. AK has several chronic conditions that he is aware of and is receiving treatment. However, his recent loss of appetite and subsequent weight loss in the past few weeks is unexplained and could be as a result of several factors. His medical examination does not provide concrete evidence of the underlying cause. His dietary history points to certain factors that could have contributed to his current condition. AK takes wine every night before going to bed, which might be the main cause of his appetite loss. Alcohol has been shown to cause sleep disturbance (Ebrahim et al., 2013). It may reduce the time to fall asleep but prevents one from having a peaceful sleep. Also, alcohol reduces the appetite, and this can lead to unwanted weight loss. In the case of AK, the alcohol intake might be the main cause of his loss of appetite, weight loss, and daytime somnolence. As a treatment measure, he should be advised to avoid taking alcohol before going to bed and a follow up done to ensure he is complying. Facial itch can be caused by several factors. These include microbial infection, allergic reactions, skin diseases and facial hygiene among others. Chronic facial itch is usually as a result of dysfunction of itch sensing neurons that send false signals of pruritogenic stimuli to the brain (Oaklander, 2012). This condition is known as neuropathic itch, and usually does not involve direct

Nuclear Accedents Essay Example | Topics and Well Written Essays - 2000 words

Nuclear Accedents - Essay Example Nuclear Fission. Nuclear fission is described as the process of splitting a heavy atom into two or more lighter atoms by bombarding the heavy atom with a slow moving neutron. As the heavy atom splits, a large amount of energy is released. In addition, a number of neutrons are released which in turn splits other heavy atoms. This creates a chain reaction that releases the energy required to generate electricity in nuclear power plants (Washington State Department of Health 2003). As shown in Figure 1, a slow moving neutron hits a heavy atom, in this case Uranium-235 and splits it into two lighter atoms, Krypton-92 and Barium-141, and 3 neutrons. Figure 1. Nuclear fission (FastFission 2010b). In Figure 2, the three neutrons either: (1) gets absorbed by Uranium-238 and does not split the atom; (2) does not hit any other atom, which stops the reaction; or (3) hits another Uranium-235 atom and causes it to split, replicating the previous process. This continuous process of splitting atoms is called a nuclear fission chain reaction. Breeze (2005) described the energy produced as enormous. Theoretically, one kilogram of naturally-occurring Uranium can produce about 140 GWh of energy, which is equivalent to the power output of a 1000 MWh coal-fired power plant operating at full power for approximately 6 days. Figure 2. Fission chain reaction (FastFission 2010). Nuclear Power Plants. To generate electrical power, nuclear fission is harnessed in a way that a controlled nuclear reaction can take place and continue indefinitely. In a nuclear reactor, fission is controlled by the use of boron rods which absorb the neutrons generated, stopping the chain reaction from proceeding. Another crucial component in nuclear reactors is the presence of a moderator, usually in the form of water or graphite. Water slows the neutrons down, making fission possible. Otherwise, fast moving neutrons cannot initiate a fission reaction (Breeze 2005). Figure 3. A typical pressurized water react or setup (United States Nuclear Regulatory Commission 2007) Figure 3 illustrates how a nuclear power plant works. As Uranium undergoes fission, an enormous amount of energy is generated. This energy is released in the form of heat which raises the temperature of the water inside the reactor. As the water heats up, it is pumped through pipes and flows into a steam generator. As the pipes get in contact with the colder water stored in the steam generator, steam is produced. The steam then drives the turbines connected to the generators, producing electricity. The hot water from the reactor does not come in contact with the water in the steam generator since the hot water is separated by the pipes. This eliminates the risk of radioactive materials going outside the reactor (Breeze 2005). NRX accident in Canada. The NRX reactor was created to demonstrate the use of heavy water or D2O as a moderator for nuclear reactors and served as the forerunner of the Canada Deuterium Uranium or CAND U reactor. It was constructed in Canada during in 1947. The NRX reactors utilized uranium fuel rods contained in a pressure tube cooled by light water flowing between the rods and the pressure tube wall. Meanwhile, heavy water is utilized as the moderator flowing between pressure tubes (Martin 2006). Figure

An Analysis of Jane Austin's Emma Essay Example | Topics and Well Written Essays - 1000 words

An Analysis of Jane Austin's Emma - Essay Example The protagonist belongs to the highest social position in Hartfield’s estate in Surrey, in the village of Highbury of Regency England. He has social responsibilities towards other members holding lesser or poor social positions. Emma is a young woman possessing great amount of charm and tenacity, but misguided by imaginative skills that cloud her judgment. Jane Austen's â€Å"Emma† is a sophisticated example of fiction employing the art of high wit, elements such as irony, subtlety, diction etc to achieve overall effect to the narrative. "Emma," set in a fictional village of rural England within the timeline of the early nineteenth century, is structured around consummated and/or anticipated marriages. The narrative implies the relationship among different characters in a subtle way, providing deeper understanding of the characters that are apparent to only a vigilant reader. The novel involves the development of the character, Emma, from being an ambivalent and naive p erson to a mysterious individual. The plot involves the courtship and romantic connections of three major couples and their ultimate marriages. Austin presents marriage as a fundamental aspect of the society that appropriates and solidifies the social status of individuals. In â€Å"Emma† the institution of marriage is also used as the reason for all conflicts and excitement among its characters. Apart from the primary theme of courtship and marriage, the theme of social class also plays a vital role in the novel. Through this novel, Austin asserts the necessity of compassion and charity among the members of higher classes, which is evident from taking Harriet Smith of the lower class and bringing her to almost an equal social level. The readers can also see Emma pointing out the lower - class distinction of Harriet and the assertion that she would not have been accepted by the higher class, if she did not have Emma's influence. This causes confusion for Harriet who is caught between the desire of marriage and acceptance from higher class and the fear of rejection from her peers, like the Martins. Love is another major theme of the story. Even though Emma considers the possibility of her marriage to Frank Churchill, the reader finds that she is immune to romantic love. She even acknowledges that she does not love Churchill and that she is happy in his presence as well as in his absence. Here, Austin seems to argue that for the society, love is not a requirement for marriage. On the other hand, the social class, fortune and logical qualities become the decisive factors for marriages. However, we can see that Emma, who is financially independent, does not need to succumb to the above logical considerations and that she is able to marry Mr. Knightley solely for love. The marriages of Harriet Smith and Jane Fairfax also involve love, though their alliances also serve the purpose of financial and social security. The novel also involves the theme of imaginat ion vs. reason, which becomes unraveled only to the eyes of the audience. There exists constant conflict between desires and judgment in this novel. When Emma misreads Mr. Elton's behavior, she imagines that he is in love with Harriet. Mr. Elton, on the other hand, is in love with Emma and misreads her behavior for encouragement. Mr. Knightley is unable to form an infallible judgment of Frank Churchill, as he is jealous of Churchill's

Business ethics Essay Example | Topics and Well Written Essays - 750 words - 2

Business ethics - Essay Example Most of the organizations have defined formal corporate ethics because most of the decisions of organizations are influenced by ethical issues. The employees feel very comfortable when a predefined corporate ethical is present in the organization because they get a clear understanding of what is right and what is wrong. The compliance of employees to corporate ethics is usually ensured by organizations by setting a formal corporate ethics program. Organizations have developed different programs and procedures to enhance the compliance to corporate ethics. For example, at TEPCO, there is a Corporate Ethics Committee consisting of top management, which work closely with ethical lines and establish corporate ethics carefully.1 The diagram (Appendix I) shows that once the corporate ethical conduct is formulated at top management level of TEPCO, it is promoted through incorporating the norms into culture and by revising the regulations and manuals. Moreover, through formal training programs and continuous monitoring, the compliance to corporate ethics is ensured. In this way, formal regulations and cultural norms strengthen the values, thereby, ensuring corporate ethical norms at TEPCO. There are some ethical guidelines, which are defined to develop corporate ethics programs. The ethical guidelines are the guidelines that are established to oversee what is suitable within the quest of specific objectives such as guidelines published by BPS (ITS, 2009). The ethical guidelines of companies usually differ and tend to be more specific. For example, American Mathematical Society has defined few ethical guidelines, which can be categorized into four sections including ethical guidelines related to mathematical research and its presentation, social responsibility of mathematicians, education and granting of degrees and ethical

The Rise of the KKK Essay Example for Free

The Rise of the KKK Essay As a result of the Red Scare and also anti-immigrant feelings, groups bigots used anti-communism as their excuse to harass any group that wasn’t the same as their group. One of these groups was known as the Ku Klux Klan, or the KKK. The Ku Klux Klan was a secret organization that used terrorist tactics in an attempt to restore white supremacy in Southern states after the Civil war. This group was devoted to â€Å"One hundred percent Americanism† and by 1924, the KKK membership had reached 4. 5 million white male citizens. The Ku Klux Klan also believe in keeping black people â€Å"in their place† by destroying saloons, opposing unions, and driving Roman Catholics, Jews, and foreign-born people out of the country. One scared African American told me in an interview that members of the Klan had even been harassing their three year old daughters. Members of the KKK were paid to recruit new members into their group of secret rituals and racial violence. Even though the Ku Klux Klan dominated state politics in many states, by the end of the decade it’s criminal activity led to a decrease in power. In the 1920s, the Klan moved in many states to dominate local and state politics. The Klan devised a strategy called the decade, in which every member of the Klan was responsible for recruiting ten people to vote for Klan candidates in elections. In 1924 the Klan succeeded in engineering the elections of officials from coast to coast, including the mayors of Portland, Maine, and Portland, Oregon. In some states, such as Colorado and Indiana, they placed enough Klansmen in positions of power to effectively control the state government. Known as the Invisible Empire, the KKKs presence was felt across the country. But when the Klan came to recruit in the town of Greenville, Mississippi, LeRoy Percy moved to keep the Klan out of his town. His passionate speech at the Klans recruitment session convinced townspeople to support a resolution to condemn the Klan.

Incident Response Essay Example for Free

Incident Response Essay The emergency services (Police, Fire and Ambulance) have to respond to all emergency situations, but they have different roles and responsibilities and they have graded response policies. All emergencies are graded by the call handler according to the information from the caller and not by the way the incident is reported. If a caller dials 999 believing an incident is an emergency the call handler will assess the information and then decide whether it is top priority or if the incident does actually require an emergency response. Call handlers work under the supervision of team managers and incident managers. The standards of fire cover all fire services in the United Kingdom and were set originally in the 1930’s but were established in 1958 by the Home Office. They were more clearly defined and revised in 1974 and again in 1985. Fire risk assessment, until the current year, has been based upon this guidance, which consists of a prose description of the risk categories and a formula designed to determine a points rating or fire grading of premises. When the risk category of an area had been determined, the criteria set by the Home Office demanded that the fire service response to emergency calls, met minimum requirements in terms of speed and weight of attack. Grading of incidents by the Fire service is split into 5 categories: Category ‘A’ Built up areas in large cities containing large commercial and industrial premises or high rise property where there is a strong chance of fire spread. The recommended minimum first attendance was three pumps, two to attend within five minutes and one within eight minutes, to be achieved on at least 75% of occasions. Category ‘B’ Refers to large cities and towns with multi-storey buildings, including large areas of residential housing as well as industrial estates with high-risk occupants. The recommended minimum first attendance was two pumps, one to arrive within five minutes and the other within eight minutes, to be achieved on at least 75% of occasions. Category ‘C’ Refers to the outskirts of larger towns and the built-up areas of smaller towns and extensive areas of residential dwellings such as terraced houses  and semi-detached houses, blocks of flats as well as light industry/commercial properties. The recommended minimum first attendance was one pump within eight to ten minutes, to be achieved on at least 75% of occasions. Category ‘D’ Consisting of rural property, villages and farms and all areas that do not come under categories A-C. The recommended minimum first attendance was one pump within 20 minutes, to be achieved on 75% of occasions. Rural and remote is a separate category and has no pre-determined response time. The majority of Merseyside (91%) is classed as C or D risk. http://www.gloucestershire.police.uk/foi/Information%20Classes/Policies/item11547.pdf Grading of incidents by the police in England and wales are graded as ‘emergency ‘or ‘non-emergency’ in four grades. Grade 1 is the emergency response. An emergency contact will result in immediate police response. It involves circumstances where an incident is reported to the police which is currently taking place and there is a risk of danger to life, the use or immediate threat or use of violence or serious injury to a person or property. Criminal conduct will be dealt with as an emergency if the crime is going to be serious and is in progress, an offender has just been disturbed at the scene or the offender has been detained and there is a high risk that he is a threat to the general public. When the incident involves traffic collision it will be classed as an emergency if it involves or is likely to involve serious personal injury and also if the road is blocked due to the collision and if there is a dangerous or excessive build up of traffic. Also if the call handler who takes the call feels strongly that the incident should be classed as an emergency. The urban response time for this Grade is 10 minutes and the rural response time is 17 minutes. Grade 2 is classed as a Priority response. The call handler feels that the incident is important or urgent but does not need an emergency response. This could include incidents such as a concern for someone’s welfare, an offender has been detained but is not a threat to anyone, a road traffic accident that has injuries or has caused a serious obstruction, a witness may be lost or a person is suffering distress and is believed to be vulnerable. Resourses for a Grade 2 incident should be sent as soon as is safely possible and  within 15 minutes. Grade 3 is classed as a scheduled response. This is when the needs of the caller can be best achieved by scheduling a response. This could be when the response time is not critical when apprehending offenders or a better quality of policing can be given if it is dealt with by a scheduled response by a police officer or even by that person attending the police station. Incidents should be resolved to satisfaction level of caller as soon as possible and must be within 48 hours of first call. Grade 4 is classed as Resolution without deployment. This is used when an incident can be re solved through telephone advice, help desk, frequently asked questions or other appropriate agencies or services. The caller is advised of an agreed call-back time and to be as soon as possible and within 24 hours. Grading of incidents by the Ambulance Service are placed in three categories, this grading also applies to urgent calls from GPs and other health professionals, as well as calls from the general public. Category A is Priority. This is when an incident is considered to be immediately life-threatening examples are when a person is suffering with chest pains/cardiac arrest, unconscious/fainting or has breathing problems. The response time for a category A is within 8 minutes or less. Category B is where an incident is serious but not immediately life-threatening, examples are when someone has fallen or has serious bleeding, a sick person with no priority symptoms or overdose/poisoning. The response time for category B is within 14 minutes in urban areas and within 19 minutes in rural areas. Category C is when an incident is not serious or life-threatening, examples when someone has fallen over and assistance is required, and a sick person with a range of non-serious conditions such as d iarrhoea or someone with abdominal/back pains. In 2000 the Driving Standards Agency (DSA) became responsible for assessing the training and standards of all drivers who drive emergency response vehicles which are fitted with blue lights and sirens. When talking to other agencies the DSA drew up the Blue Light Users Working Party Expectations Document. This document contained a list of the expectations that drivers of emergency response vehicles should meet before being allowed  to drive these vehicles. This document was accepted by the three main emergency services (police, fire and ambulance). This document includes performance criteria and knowledge and consists of these three elements. All emergency drivers need to be over the age of 18 and in good health also must not have any motoring convictions against their name and this is checked every three years. Element one is the ability to assess the need for an emergency response. Element two is the ability to drive the vehicle safely to emergencies and element three is the ability to show the correct attitude when responding to emergencies. Police Service Drivers have to meet the standards set by the DSA but the police service also have their own driving centres. At the driving centres police are trained and graded according to National Training Standards, which is then approved by the Association of Chief Police Officers (ACPO). The type of driver training depends on the job role of that police officer. Police drivers can be graded as Standard response drivers, advanced drivers or pursuit drivers. Advanced drivers and pursuit drivers have intense training and they use high powered vehicles and advanced techniques for responding quickly and safely to emergencies. Fire Service Drivers The fire service also has its own driver training centres where drivers are trained to the standards met by their Fire Authority. To drive an Emergency Fire Appliance drivers must hold a Large Goods Vehicle (LGV) Licence and have received the necessary training and assessments. Only then can they be allowed to drive when responding to emergency situations provided the vehicle is fitted with audible/visual warning devices. Ambulance Service Drivers need to hold C1 (medium sized vehicle) and D1 (minibus) licences and receive the appropriate training by the DSA. Although some Ambulance Services especially in London state that ambulance drivers must hold a LGV licence. Ambulance driver training and assessments are usually carried out by independent driver training centres and not the Ambulance Service. Drivers of emergency vehicles also have to understand that bad driving can cause accidents. Drivers of emergency vehicles are not above the law even when attending emergencies they have to show that whilst going to an emergency they drove with care and attention and did not drive in a dangerous way, if they were foun d to have driven dangerously then they can be prosecuted in the same way as a member of the general public can. Also if the driver is convicted of a  serious traffic offence they may be disqualified from driving both emergency and privately owned vehicles. To reduce the danger to themselves and the general public the drivers of emergency vehicles must use their sirens and blue flashing lights to warn other road users as well as pedestrians and cyclists that their vehicle is responding to an emergency. Flashing blue lights and sirens should only be used when attending emergencies although police drivers can use flashing blue lights and sirens when attempting to stop another driver. Drivers of emergency vehicles have to follow the same traffic laws as everyone else, but when using flashing blue lights and sirens they are exempt from a number of motoring rules which means they can go through a red traffic light, pass to the right of a keep left sign, drive on a motorway hard shoulder even against the direction of the traffic and not follow the speed limit. The Highway Code is a book of rules which all drivers have to abide by the Highway Code makes no special rules for the emergency services other than for members of the general public to listen for the sirens and look for the blue flashing lights and to let them pass safely but still taking notice of all traffic signs. During unsociable hours consideration is given to the use of sirens especially around residential areas, unless conditions are bad and they need to use their siren. Blue lights would only be used as they are visible to road users at night. When there is an advantage to a silent approach then driving is altered and speed reduced. Members of the Public service are often judged harshly from the public, when it comes down to the pursuing of stolen vehicles. Although the public services do a good job when they pursuing stolen vehicles or on their way to an emergency incident there have been cases where their have been incidents where it has affected the public services. Example At 11.20 on the 19th of May 2008, Haley Adamson a 16 year old school girl was struck by a police car going 70mph whilst she was crossing a road in a residential area in Newcastle which had a 30mph speed limit. Hayley died immediately from the impact of the police car. The police car was being driven in pursuit of a vehicle that had just been registered on the police number plate recognition system. At the time of the incident the driver Pc

Unregistered Trade Marks Of Hong Leong Bank Bhd Marketing Essay

Unregistered Trade Marks Of Hong Leong Bank Bhd Marketing Essay Disclaimer: The trade marks, service marks, and logos (the Trade Marks) of Hong Leong Bank Bhd used and displayed in this paper are registered and/or unregistered Trade Marks of Hong Leong Bank Bhd and respective groups. Nothing on this paper should be construed as granting, by implication, or otherwise, any license or right to use any Trade Mark displayed on this paper, without the written permission of the respective authority. Views expressed in this report are those of the author. Table of Contents About Hong Leong 4 Industry Analysis 4 Why Porters 5 Model 4 Limitations of Porters Model 6 Strategic Capability Analysis 6 3.1 Stakeholders 7 3.2 SWOT Analysis 7 3.2.1 Why SWOT Analysis 7 3.2.2 Hong Leong Bank SWOT Analysis 7 3.3.3 Limitations of SWOT Analysis 9 Strategic Choices 9 4.1 Strategic Choices 9 4.1.1 Why Porters Generic Strategy 9 4.2 Strategic Direction 10 4.2.1 Why Ansoff Matrix 10 4.3 Method for Pursuing Strategic Direction 12 4.4 Implication and Evaluation of Analysis 12 Justification of a Strategy 13 5.1 McKinsey Growth Pyramid 13 Conclusion 15 References 16 Abbreviations HLB Hong Leong Bank PIN Personal Identification Number SMS Short Messaging Service SME Small and Medium Enterprise RM Ringgit Malaysia SMI Small and Medium Industry ISO International Standard Organization BNM Bank Negara Malaysia ATM Automated Teller Machine About Hong Leong Bank Hong Leong Bank Berhad was found by Ji Chiew. The bank starts operations in 1905 in Kuching, Sarawak. In 1 January 1982, the Head Office relocated from Kuching to Kuala Lumpur. The consolidation of banking institution to meet the requirement of Bank Negara Malaysia marks another milestone for Hong Leong Bank Berhad. Hong Leong Bank Berhad was listed on Kuala Lumpur Stock Exchange on 17 October 1994. The market capitalization as of recent days is RM 470 million, according to bank website. Hong Leong Bank has diversified the businesses into financial services, manufacturing, and property and infrastructure development. The services available are personal financial services such as credit cards, investment, loan, deposits, insurance, priority banking, personal banking and Hong Leong Club Rewards for customer loyalty (Hong Leong Bank, 2009). Industry Analysis 2.1 Why Porters 5 models Porters model determines the competitiveness of an organization using the five different forces and shows how the forces are related. To develop business strategies effectively, organizations must understand and act in response to those forces. (Porter, 1985) (Fornell and Wernerfelt, 1987) Rivalry Among Existing Competitors There are 37 banks, which are recognized and licensed to operate in Malaysia and more financial institution are opening soon. The trend of increment of the number of banks within the industry is fast and there are great challenges for HLB to create and maintain a good market share. Other banks are seems to be more aggressive to get and retain customers. This force is not in favor of Hong Leong Bank. (BNM, 2009) Threat of Substitute Products and Services Even though there are many financial institutions available, some unique facilities can only be obtained from the bank only. American Express facilities, co-branded products (e.g. MTV), higher interest rate, club rewards, junior/senior savings, overdraft are the few products which only available to this bank. Thus this force is in favor to the bank. (Hong Leong Bank, 2009) (BNM, 2009) Bargaining Power of Buyers Having the whole range of financial players apart from the retail banks, it is evident that customers can move within the 40 operators and can also decide to switch to the other non-banking institutions. Their choice can even extend to the insurance companies, depending on the nature of the product. For instance if a customer is looking for a small amount of loan, he/she can even get the said product from organizations like AEON, etc. The close location of various banks is also giving customer a very high bargaining power too. For instance in a location of Puchong Jaya, along the street of Jalan Kenari it is easy to find at least 9 banks within 100 meters Maybank, Public Bank, Eon Bank, CIMB Bank, HSBC, Alliance Bank, Bank Simpanan Nasional, UOB. With this concentration the bargaining of customers always goes high before customers start looking on a differentiated service. For the said bank, this is absolutely a negative favor since the potential customers can shift easily to differ ent point. (BNM, 2009) Bargaining Power of Suppliers The core business of the Hong Leong Bank is product and services which mainly focuses on safety of monetary management. The suppliers provide some tangibles like checkbooks, lockers, private banking, priority banking. The impact of these in HLB is not much significant since they are not really like the raw material. (Hong Leong Bank, 2009) Threat of New Entrants The Bank Negara Malaysia has set a minimum capital requirement of RM5 billion for a bank to be registered. The conditions set for registering a bank are not difficult to obtain, hence entry barriers become low. Thus more foreign owned financial firms are keen to open their business in Malaysia. Certainly these institutions will pose threat on existing banking business as theyll have unique products and services. This force is not in favor of Hong Leong Bank. . (Hong Leong Bank, 2009) From the above analysis of HLB 5 forces analysis, the diagram below will provide a summary of the banks overall industry analysis. Threat of New Entrants (-) Threat of Substitute Products and Services (+) Bargaining Power of Buyers (-) Rivalry among existing competitors (-) Bargaining Power of Buyers (+) 2.2 Limitations of the Porters Model Porters 5 force analysis talks about the external forces applicable to the outside of business. Todays business is much more vast and robust requiring dynamic approaches which should be an integration of different approaches rather than depends on a single analysis. Internal factor analysis requires much analysis as external. Designing, visioning and learning approaches should be considered when an industry analysis is done. Proters 5 forces are lack of these factors. (Porter, 1985) (Gronroos, 1997) Strategic Capability Analysis 3.1 Stakeholders Stakeholder Analysis identifies important groups of people or individuals that can have an influence on the Project. These Stakeholders can have their own objectives and views, which may differ and conflict with other Stakeholders. A Stakeholder Analysis is required to identify all the parties who are directly or indirectly affected by the enterprises operations. This includes not only the traditional shareholders, but also some new groups that the insights of sustainable development tell us must be consulted in decisions that affect them. (Roberts, Varki, and Brodie, 2003) (Fombrun and Shanley, 1990) In an organization, internal stakeholder is the employees or people who work inside the organization. External stakeholders exist outside the organization but have a direct interest in what it does (e.g. shareholders, governments, customers) etc. (Roberts, Varki, and Brodie, 2003) 3.2 SWOT Analysis 3.2.1 Why SWOT Analysis? SWOT analysis is a tool for auditing an organization and its environment. It is the first stage of planning and helps marketers to focus on key issues. SWOT stands for strengths, weaknesses, opportunities, and threats. Strengths and weaknesses are internal factors. Opportunities and threats are external factors. (Spreng and Chiou, 2002) In SWOT, strengths and weaknesses are internal factors and opportunities and threats are external factors. 3.2.2 Hong Leong Bank SWOT Analysis Strength Hong Leong Bank Berhad (HLB) principal activity is providing consumer-banking services including credit cards, investment, mortgage, deposits, insurance and priority banking. Other activities include business banking, trade financing, working capital facilities, treasury, foreign exchange, money market operations, capital market securities trading, investment, and takaful business. It has been recognized as one of the most profitable bank in Malaysia. (Hong Leong Bank, 2009) It has 186 branches, 17 business centers with talented and motivated employees throughout Malaysia making it one of the most widened banking sectors in Malaysia. Their first award year 2004, an acknowledgement for their active participation in spurring the growth of the SMEs in the country. This award certainly spur Hong Leongs strength to bring more value added financial services to customers and the SMI community and to help them face the extremely challenging and competitive business environment both locally and globally. Launched in October 2005; the Hong Leong Mobile Credit Card is the first of its kind, allowing customers who are provided with a six-digit personal identification number (PIN) to pay for goods and services using mobile phones via short messaging service (SMS). This offering is the result of Hong Leong Bank tie-up with technology provider Mobile Money International Sdn. Bhd. This unique method of payment, known as Mobile Money is speedy, convenient and cost effective. Using only the mobile phone for approval of transactions and payments, there is no longer a need for the physical plastic card, merchant terminals or Internet terminals. Payment requests are delivered via SMS. There is no need for card members to be present at the point of sales or at the merchant outlets. Payments can therefore be made from wherever card members are, at whichever place where there are mobile phone signals. (Hong Leong Bank, 2009) In 2007, Hong Leong Bank bagged the Asian Bankers Best e-Banking Project 2007 with its Internet banking offering, Hong Leong Online. The award recognizes the best emerging technology practices and benchmarks in Asia Pacific banks. Apart from the Asian Banker award, Hong Leong has also been ranked as the third most popular Malaysian online banking site. Online banking transactions helped the bank save about RM24mil from March to October 2007 as each online transaction cost about 20% compared with about RM3.50 for every over-the-counter transaction. Weakness In line with its strong customer service culture, the HLB continues to maintain its superior delivery standards which have been behind against international ISO standards. HLB is yet attained bank-wide ISO 9001:2000 certifications for customer service at the front office of its branches and bank-wide loan delivery service. This is a major drawback for the HLB to have a better customer base. (Hong Leong Bank, 2009) As to compete in the industry of banking, interest rate is a major challenge as customer will choose for a higher interest rate for savings account and for the lowest interest rate for the loans that the customers are seeking for their financial assistances and better service for the customer. Hong Leong Bank needs to change according to the environment as to compete and remain as the market leader. (Hong Leong Bank, 2009) As Hong Leong Bank has moved ahead to the Electronic banking or transaction there is greater risk or security threats circulated to the users of online banking or transaction. There are non technical threats such as phising whereby it is the act of tricking someone into giving them confidential information or tricking them into doing something that they normally wouldnt do. The common applications of this approach is to send fake emails (email spoofing) to a victim purporting to come from a legitimate source and requesting information (such as the bank account number and the password) or directing the victim to a fake internet website where this information can be captured. Opportunities The bank may recruit young and talented staffs and provide them proper training to create a talent base as well as provide job to those who are in need. This may also reduces the unemployment rates in Malaysia. This talent base is able to adopt with internal formation and usually stay with the bank until the end. (Hong Leong Bank, 2009) As the banking industry grows and provides opportunities for the local customers indirectly it also given an opportunity to the foreigners who stays in Malaysia. They tend to use banking services more frequently to have different types of account. This additional customer base will bring more money inside the bank and of course banks will gain profit from various types of transactions. (Hong Leong Bank, 2009) Bringing the bank closer to the consumer could be the vital opportunity. Providing a payment gateway where ATM card could be used as like a credit card for everyday usages. Since these customers will use won money, bank may encourage them to save more to get more benefits. Establishing more ATM and branches and electronic features (e.g Western Union money transfer) will definitely bring more customers in. (Hong Leong Bank, 2009) Threats Ease of distributing credit card could be a disturbing role the bank is playing. While credit card repayments are depends fully on customer payment, if it is not paid, bank has to go long way. (Hong Leong Bank, 2009) The bank is not really in forefront position to introduce new products and service as market demand changes. It if often seen that the bank introduces the products in different name when the service is already available in the market by other bank. (Hong Leong Bank, 2009) 3.2.3 Limitations of SWOT Analysis SWOT analysis usually very subjective. It simply looks at the negative factors first in order to turn them into positive factors. So it is advisable to use SWOT as guide and not as prescription. (Spreng and Chiou, 2002) Strategic Choices 4.1 Generic Strategy 4.1.1 Why Porters Generic Strategy Generic strategies are widely used today even though it was invented in 1980s. Three options are available for organizations to adopt to achieve sustainability which are cost leadership, differentiation and focus. Each of the three options are considered in two aspects of the competitive environment: (i) Competitive advantage talks about the prices (high or low) of the products, (ii) Competitive scope talks about the market size (narrow or broad). (Porter, 1985) (Chen, 1999) (Sanzo et al, 2003) Overall Cost Leadership The low cost products are the product leader in the market. It may also included the time required to built and delivery the products to customers. As it is mentioned earlier, using online banking, it would help the bank as well as customers to save more. Developing and maintaining online business is not low-priced itself. Yet it could provide vital thumbs-up to banks generic strategy. If more customers opt for online transactions, bank wouldnt have to spent time on serving customer physically thus itll requires less resources (e.g. less branch, less employees). These less resources will push ahead the bank with extra finance to improve other services. (Harris and Goode, 2004) (Sanzo et al, 2003) Differentiation Differentiated goods and services are designed to satisfy the customers with the lowest price/cost available for similar kind of products. HLB Flexi FD is a fixed deposit product which gives higher interest rate to the customer. Thus the bank will be in risk of loosing money. So it has to bring and retain much customer to cover the loss. The loss must be cover to be competitive. Since banking industry changes rapidly, HLB will have to customize the products and services over times to hold ensure customer satisfaction. (Dannenberg and Kellner, 1998) (Jones, Mothersbaugh, and Beatty, 2000) Focus In focus an organization can afford neither a wide scope cost leadership nor does a wide scope differentiation strategy, Here an organization focus effort and resources on a narrow segment of a market. Competitive advantage is generated specifically for the niche. A company has two options to choose: use either a cost focus or a differentiation focus. Taken example of HLB structured investments. Invested amounts are 3rd-party transactions and bank itself doesnt provide any guarantee of returns of money to the customer. In this segment, HLB is a low profile character. Even though bank is charging some commission on the investments, customers who are willing to invest are to do so at own risk. (Jarvelin and Lehtinen, 1996) (Evans and Beltramini, 1987) 4.2 Strategic Directions 4.2.1 Why Ansoff Matrix The Ansoff Growth matrix is a strategic direction tool that helps businesses decides their strategies for growth. Ansoffs product/market growth matrix discuss about the strategies on which the business deliver new or current products in new or current markets. Overall output of Ansoff product/market matrix is sets of strategies that set the direction for the business growth. (Auh et al, 2007) (Sanzo et al, 2003) These are described below: Market penetration Market penetration is a general name of selling current products into current markets. The bank continuously introduces loan and credit products to customers to leap ahead. Since the banks most incomes come from loan and credit facility, reshape of current products will ensure market growth and increase of usages by existing customers. Market penetration for HLB will be focused on the central markets that it is very familiar with, competitors are known, customer needs are defined and returns are potential. (Gustafsson, Johnson, and Roos, 2005) (Agrawal, 2001) http://strategyiseverywhere.files.wordpress.com/2007/12/ansoff_matrix.png Market development Market development tells about the distribution of current products in new market. With its existing banking facilities, the bank introduces private banking for the customers who loves personal banking. For everyday needs of banking, investment, loan, protection a dedicated personal banker is always there to serve the individual customer to fill their needs. These personal banking is nothing different than existing policies; focus goes to its loyal customers which puts big amount inside the bank. (Dannenberg and Kellner, 1998) (Filotto, Tanzi, and Saita, 1997) Product development Product development is the name given to a growth strategy where a business aims to introduce new products into existing markets. Saving multiplier plans is recently introduced by the bank. Hong Leong Savings Multiplier Plan is a unique investment tool that utilizes the powerful concept of Dollar-Cost-Averaging and offers a customized solution to tackle the distinct financial challenges throughout different life stages be it to secure a comfortable retirement or to ensure a steady flow of pension-like funds or for putting aside adequate funds even for childrens education. Islamic banking is another example of product development. (Metawa and Almossawi, 1998) (Haron, Ahmad and Planisek, 1994). Diversification Diversification is the growth strategy where new products are to be delivered in new market. This strategy is more risky for business growth as often business takes longer time to survive in a new market. HLB recently spread their business in Vietnam. Since Vietnamese culture differs from Malaysia, the bank has to adopt the culture as well as compete with well established Vietnamese banks. (Shankar, Smith, and Rangaswamy, 2003) (Evans and Beltramini, 1987) 4.3 Method for Pursuing Strategic Direction Forward Looking Policy Monetary policy management needs a forward-looking policy due to the time gap between policy actions and their intended effects on output and inflation. HLB built a macro model which would determine the impact of policy actions. Understanding the microeconomic factors are important too determine the inter-linkage of monetary policy mechanism. (Fornell and Wernerfelt, 1987) Deepening of Financial Markets New financial products are traded in the Money/Bonds market by the introduction of Hong Leong Banks Debt Capital Markets Structured Finance (DCM/Structured Finance) unit within Wholesale Banking provides innovative tailor-made solutions to financial institutions, corporate, agencies and high net-worth individuals through comprehensive offerings in the debt capital markets. (Dannenberg and Kellner, 1998) Strong Foreign Currency Reserve Foreign exchange reserves form part of the national assets and these needs to be deployed rationally keeping in mind the principles of safety, liquidity, and return. The reserves, which are currently deployed by the HLBs in-house reserve management treasury dealers, are in short-term high quality bank deposits. (Naser, Jamal, and Al-Khatib, 1999) Reliable and Secured Payment Systems To reduce the settlement time significantly and increase cost effectiveness the bank plans to establish an electronic clearinghouse to do almost every transactions online with tighten security and handy usability. Opening an account, apply for credit cards are already in place. The bank further steps in mobile banking for dedicated user. Recently the bank introduces e-broker services (HLeBroking). HLeBroking allows the flexibility of placing orders either through a phone call to our trading hub or via the internet. Professional dealers centralized in the hub are always on hand to execute transactions and monitor shares investment portfolio. (Shankar, Smith, and Rangaswamy, 2003) (Harris and Goode, 2004) 4.4 Implication and Evaluation of Analysis During this analysis it was assumed that strategies are reasonably orderly and knowable and, in turn, that evidence can help to evaluate theories that claim to explain these strategic positions. Data and information often founded confusing and imperfect. It seems almost certain that no single study can validate or invalidate a theory. Besides, there is a good chance that a large number of studies will not generate consistent results. (Agrawal, 2001) The methodology were used in analysis is not about developing a foolproof system; it is at least partly an art. There is no mechanical system that will escape judgment, sense, and intelligence. But this does not eliminate the need for techniques and standards. Product delivery approaches, geography, demography does plays role in strategic position which were missing in the analysis done. (Hong Leong Bank, 2009) The strategic planning process adopted by HLB was participative, consultative and result oriented. But the takes time to achieve results. While some important factors the bank missed out during strategic choices, individual departments must do their respective environmental scans through a SWOT analysis whereby they identified their internal strengths and weaknesses as well as the external opportunities and threats. (Hong Leong Bank, 2009) Business trends changes randomly. Todays product may not be available tomorrow. Thus no strategic plan could be exactly fit into business strategy. However, HLB could consider a more diversified strategy which would be more beneficial to determine strategic stand. Justification of a Strategy As the strategic position and strategic choices are different from the matrix analysis, a better strategic growth model is optimal solution. 5.1 McKinsey Growth Pyramid McKinsey growth pyramid is an upgraded version of Ansoff Matrix with broader discussing of important strategic factors. With every possible action there are certain alternatives (e.g. acquisition, joint ventures, alliances etc) with risk measurement from low to high. Existing products to existing customers This is considered lowest risk options go on businesses with current asset and current customer. But itll not be much beneficial for bank in long terms. Existing products to new customers Introduce existing products to new customer which may help them meet their daily financial needs so that they dont look for other financial choices. Consumers always look for much return while bank always looks for low give-away. New customers can be a turning point for any bank. Demographical (e.g. adult, children, senior) products would be vital products to attract new customers. (Harris and Goode, 2004) New products and services Over time, new products must be channeled into banking business. Broader distribution if Islamic banking could be a important factor. It is seen that many nom-Muslims adopted for Islamic banking. Since there is trend of Islamic banking growth, the bank should not take the risk to risk the potential customers due to lack of proper preparation. Some of the products may be delivered to existing customers. Risk may incur if the products doesnt appeal the customers. (El-Bdour and Erol, 1989) (Gerrad and Cunningham, 1997) New delivery approaches Todays consumer seek more convenient service provider. Banks are not exempted indeed. Many banks had adopted special facilities for different customers. Priority banking could be one solution. In priority banking everyone is unique and therefore has very specific financial needs. Thats why bank will offer a comprehensive range of privileges for convenience. Setting up special services only for young generation can be another important product delivery approaches. Dedicated services will invite more young generation to adopt the services. However, it could cost the bank some extra amount and if the products are not selling well, bank will face loss of resources. (Yoon, Guffey, and Kijewski, 1993) (Mols, 2001) http://www.filecluster.com/screenshots/61893.gif New geographies Geographical expansion is one of the most powerful options for growth but also one of the most difficult. The bank already went global opening branches in Singapore and Vietnam. This strategy is proven fine for well reputed bank (e.g. Citibank) but it has to be cautious in business. Geographical movement may bring new customers with solid financial needs but the bank has narrow down the scope of services due to high risk. (Sanzo et al, 2003) New industry structure The bank may re-assert the liquidity franchise and continue to address the yield challenge. While economics of the business have changed, unlike other countries, pricing and credit spreads did not adjust in tandem in the Malaysia. The quality of strategic asset-liability management, liquidity and capital management differentiates. Re-asserting core businesses with efficiency, unit cost management, operating leverage, dynamic pricing as well as customer value or returns on each customer relationship. Cross-selling and customer service are key success factors. (Agrawal, 2001) New competitive arenas Using competitive arena, business may transfer their resources and knowledge to new industry using vertical integration. This may pose immense risk to bank itself. Bank may loose it all investment. Despite the risk, this will help the bank grows rapidly and spread their products throw many distribution channels. (Gronroos, 1997) Conclusion The pre- and post-crisis strategic postures are a tale of worldwide economic fall down. The postures are characterized by the scaling up of the business, refining value propositions in each business, responding to competition and price war, building new capabilities and strengthening the risk and IT infrastructure as the bank sought to incrementally improve our market share and positioning. (Hong Leong Bank, 2009) (Gustafsson, Johnson, and Roos, 2005) The era ahead is more opportunistic in nature, with a rapidly changing eco-system and higher regulatory and prudential requirements. The shadow of the state on the sector globally is more pronounced. (Auh et al, 2007) Overall, the banks competitive strategy has to pivot on a competitive delivery, consisting of quality people, knowledge base and result oriented capability, market intelligence and local community embedment, entrepreneurialism and how it organize itself to scale and build new names. As it emerges from the crisis, it needs to re-segment the customers to market changes and re-build a compelling proposition on how to scale sustainability while staying opportunistic tactically. (Auh et al, 2007) References Auh, S., Bell, S.J., McLeod, C.S., Shih, E. (2007), Co-production and customer loyalty in financial services, Journal of Retailing, Vol. 88 No.3, pp.359-70. Fombrun, C., Shanley, M. (1990), Whats in a name? Reputation building and corporate strategy, Academy of Management Journal, Vol. 33 No.2, pp.233-48. Gustafsson, A., Johnson, M., Roos, I. (2005), The effects of consumer satisfaction, relationship commitment dimensions, and triggers on consumer retention, Journal of Marketing, Vol. 69 No.4, pp.210-18. Harris, L.C., Goode, M.M.H. (2004), The four levels of loyalty and the pivotal role of trust: a study of online services dynamics, Journal of Retailing, Vol. 80 pp.139-58 Roberts, K., Varki, S., Brodie, R. (2003), Measuring the quality of relationships in consumer services: an empirical study, European Journal of Marketing, Vol. 37 No.1-2, pp.169-96. Sanzo, M.J., Santos, M.L., Và ¡zquez, R., à lvarez, L.I. (2003), The effect of market orientation on buyer-seller relationship satisfaction, Industrial Marketing Management, Vol. 32 No.4, pp.327-45. Shankar, V., Smith, A., Rangaswamy, A. (2003), Customer satisfaction and loyalty in online and offline environments, International Journal of Research in Marketing, Vol. 20 pp.153-75. Spreng, R.A., Chiou, J. (2002), A cross-cultural assessment of the satisfaction formation process, European Journal of Marketing, Vol. 36 No.7-8, pp.829-39. Yoon, E., Guffey, H.G., Kijewski, V. (1993), The effects of information and company reputation on intentions to buy a business service, Journal of Business Research, Vol. 27 pp.215-28. Porter, M E. (1985) Competitive Advantage: Creating and Sustaining Superior Performance, New York: The Free Press. Gronroos, C., (1997) Value-driven Relations Marketing: From Products to Resources and Competencies. Journal of Marketing Management, Volume 13, Number 5, p. 407-419. Agrawal, P. (2001), The relation between savings and growth: co-integration and causality evidence from Asia, Applied Economics, Vol. 33, pp. 499-513. Chen, T.Y. (1999), Critical success factors for various strategies in the banking industry, International Journal of Bank Marketing, Vol. 17 No. 2, pp. 83-91. Dannenberg, M. and Kellner, D. (1998), The bank of tomorrow with todays technology, International Journal of Bank Marketing, Vol. 16 No. 2, pp. 90-7. Filotto, U., Tanzi, P.M. and Saita, F. (1997), Consumer needs and front-office technology adoption, International Journal of Bank Marketing, Vol. 15 No. 1, pp. 13-21. Mols, N.P. (2001), Organising for the effective introduction of new distribution channels in retail banking, Europ

Role of the Chorus in Oedipus the King Essay -- Oedipus the King Oedip

What is the Role of the Chorus in Oedipus the King ? In answering this question, I will look at the question in two ways. Firstly, I will look at the role of the chorus objectively, examining the basic role of the chorus in the play, and looking at the role of the Chorus as Sophocles would have intended the role of the Chorus to be understood. However, I will then look at how I think the Greek audience would have perceived the role of the Chorus and then how the role of the Chorus is perceived today by a 20th century and examine the key differences in the two different sets of perceptions. Finally, I will look at the importance of the role of the Chorus to a 20th century audience and a Greek audience respectively.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The Chorus in the play Oedipus has three basic functions. Firstly, to act as bystanders throughout the play, observing what goes on, reacting and offering opinions at regular intervals throughout the play (e.g. when Oedipus accuses Croon irrationally of conspiring against him, the Chorus says "To one who fears fall, his words seem good; O king, swift counsels are not always safe") In this role they are important to the play as they often offer the voice of reason during moments of heated debate, the voice of fear and confusion during Oedipus' downfall, which seems to mirror the audience's reaction and emotion in many situations throughout the play. The Chorus are also used as a sort of receptive audience for passages of description over what has gone on behind closed doors (e.g. after Jocasta has realised the truth the second messenger describes the scene inside the palace to the Chorus: "Within the porch, straight to the couch she rushed, her bridal bed, and tore her hair")   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Secondly,... ... happens. Also they maintain the continuity as their being present removes any need for scene or act changes.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In the Greek theatre they take on a significant role of emphasising the storyline by groups speaking in unison rather than one single actor trying to reach the ears of around 17,000 listeners. They were after-all a very natural part of Greek theatre and their absence would certainly reflect an unorthodox presentation. They also keep the emotion running as any scene changing can be done during their narrative sections.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   In a 20th Century production the chorus perform a seemingly less essential role. As there would be ample amplification of sound the chorus could be projected to the role of town folk who would fit into the structure of the play neatly. Works Cited: Sophocles. Oedipus Rex. New York: Dover Publications, Inc., 1991.

Doctor Faustus by Christopher Marlowe Essay -- Doctor Faustus Christop

Doctor Faustus by Christopher Marlowe Elizabeth I came to the throne of England during a time of intense religious turmoil and political uncertainty. By the end of her reign, England stood as the first officially Protestant nation in Europe; however, tensions between Protestants and the repressed Catholic minority continued to plague the nation. Much of the literature produced during the time of her reign reflected sensitivities to religion and resulting political intrigues. In his play Doctor Faustus, Christopher Marlowe places the title character in a power struggle similar in form to those conflicts dominating Elizabethan life. Yet rather than a battle among courtiers for royal favor, the battle in Doctor Faustus pits god against the devil in a struggle for the possession of a man’s soul. Reflecting the cultural and religious context of the sixteenth century, Marlowe’s Doctor Faustus comments on prideful ambition, which leads to a loss of salvation for human pawns in the cosmic power-struggle for s ouls. In a conflict similar to that existing between English Protestants and Catholics, Faustus must choose between God and the Devil, risking his eternal life in anticipating which will be the winning side. When Henry VIII broke from the Catholic Church and established the monarch as the head of a new English Protestant Church, he made religion largely dependent on politics. In reference to Marlowe’s treatment of religion in Dr. Faustus, John Cox writes, â€Å"Marlowe’s implicit reduction of the Reformation to a struggle for power is an acute response to the secularization introduced by the Tudors. . . . Protestants made religion a matter of crown policy, and thus comparatively a matter of mere power† (114). When Ma... ...he struggle for power between God and Lucifer reflects the religiously-based political struggles under the reign of Elizabeth I. The horrors of the struggle for a man’s soul in which the need for power outweigh the gifts of God’s grace reflect on the consequences of a secularized state in which religious devotion is largely reduced to a matter of political supremacy. Works Cited Bowman, Glen. â€Å"Elizabethan Catholics and Romans 13: A Chapter in the History of Political Polemic.† Journal of Church and State 47.3 (2005): 531-44. Cox, John D. â€Å"The devils of ‘Doctor Faustus.’† The Devil and the Sacred in English Drama, 1350-1642. Cambridge: Cambridge UP, 2000. 107-126. Marlowe, Christopher. â€Å"Doctor Faustus.† Norton Anthology of English Literature, Vol. 1B. Edited by M.H. Abrams and Stephen Greenblatt. New York: W. W. Norton and Co. 2000. 991-1023.

Washington History :: essays research papers

Assignment #1 Question #1 A) How is a region defined?   Ã‚  Ã‚  Ã‚  Ã‚  A region can be defined by its’ geography, industry, or culture. For example the Bible belt is a cultural region; Silicon Valley is an industrial region, and the Plains States form a region defined by the geography and agriculture both. B) What Unifying forces define the Northwest?   Ã‚  Ã‚  Ã‚  Ã‚  The region of the Pacific Northwest is defined as a Hinterland replete with a wide array of natural resources. The treasures found in the natural beauty of the Northwest’s pristine waterways, ample valleys, and lush mountain forests define the region. No other region in the United States can compare with the beauty and majesty of the Pacific Northwest. It stands alone as having one of the most varied and rich landscapes in the country. Thus allowing an independent, confined, and truly original culture to emerge. Question #2  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  What is the size and distribution of the population of the Northwest?   Ã‚  Ã‚  Ã‚  Ã‚  The Pacific Northwest region is lightly populated with the majority of the residents located in a few key areas. The main population centers of thirty thousand or more pertaining to Washington are the Puget Sound area, and Spokane. In Oregon it is the Willamette Valley from Portland to Eugene and Medford where the population centers are located. Idaho, while being much more rural then Washington and Oregon, does have clusters of more highly populated areas in select geographic areas, such as Boise and Pocatello. All of Idaho’s major urban areas are located on or around the Snake River. Taking the time to really study the location of cites in relation to surrounding geographic areas one gets a good look into the minds of the first settlers and even the native inhabitants. Larger urban centers are usually located on or near waterways; all were and still are very reliable sources of food, water, and trade. One example of this statement is shown in today's Vanc ouver, Washington, which was first settled on the Columbia River. Question #3  ·Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Discuss the natural setting of the Northwest   Ã‚  Ã‚  Ã‚  Ã‚  The Pacific Northwest is rich in culture and beauty. What gives this land its beauty, so much so that the region is know the world over? Maybe it is the giant snake of concrete known as Interstate-5? Could it be the snow crowned Peaks of the cascades? Or is it the glistening monoliths of glass that tear at the cloud filled sky above the Emerald City of Seattle? The Sun bathed beaches of the San Juan Islands?

Philosophy Prep Essay

1. What are the different branches of philosophy, and what are they about? 2.Explain what a fallacy is. What kind of mistake is someone making when they commit a formal fallacy in an argument? 3. What is â€Å"wisdom,† and how does philosophy relate to it? 4. Describe the nature of critical thinking. What advantage does the critical thinker have over someone who lacks that skill? 5. Describe and explain the steps in the critical-thinking process. 6. What is wrong with â€Å"relativism† as a thought process? What does the relativist need to understand? 7. What do you think you can fruitfully learn from the study of philosophy? How can you apply philosophy to your life? 8. Describe the influence of Homer on early Greek thought. How did he pave the way for philosophical thought? 9. Describe and explain the underlying philosophy of knowledge that guided Socrates’ method of knowledge. 10. Who were the sophists, and why did they oppose Socrates? 11. Explain why Socrates was arrested. How did he respond to the charges against him? 12. Explain Plato’s view of the soul. Why did he liken it to a chariot? 13. What was Descartes’ conclusion about the nature of the self, and how did he arrive at that conclusion? 14. How did John Locke’s views differ from those of Descartes? How did that determine Locke’s views of the self? 15. What was Hume’s argument for the position that there is no such thing as the self? 16. What was distinctive about Kant’s view of the nature of self as related to experience? 17. What was Ryle’s view of the mental as it relates to the physical? How did Ryle’s view differ from those before him? 18. What are the two forms of physicalism? How do they differ from each other? 19. What is determinism? How is it different from the thesis that there is no free will? 20. What is hard determinism, and how is it argued for? 21. What did Baron D’Holbach mean by saying that â€Å"Absence of constraint is not absence of necessity†? 22. Explain the distinction that was made by W.T. Stace in arguing for the compatibility of free will with determinism. 23.What did Moritz Schlick mean by saying â€Å"If decisions were causeless there would be no sense in trying to influence men†¦Ã¢â‚¬ . What role did this thought have in his theory of free will? 24. What is existentialism? Explain Jean-Paul Sartre’s existentialist position on the nature of free actions. 25. Give some examples of questions that are asked in metaphysics. Which one(s) do you think are best indicative of the subject matter of metaphysics? Explain. 26. Describe the subject matter of epistemology, and explain what questions in epistemology you think are worth pursuing. 27. Describe Plato’s doctrine of the Forms. What questions was it meant to answer? 28. Describe Plato’s hierarchical metaphysics, explaining the relationships between the levels. 29. Explain and contrast the theories of knowledge of rationalism and empiricism. 30. How did Descartes go out about pursuing only knowledge that could be absolutely certain? What did he find?

Organ Donations

Michael Aguila Prof. Leblanc SPC 21 October 2012 Organ Donation Topic: Organ Donation General Purpose: To educate the class on the importance of organ donations. Specific Purpose: To persuade the class to not let their organs go to waste. Thesis Statement: Donating your organs allows a life to be prolonged. It also allows scientific studies to prevent future occurrences or finding a cure for a disease. Organizational Pattern: Monroe’s Motivational Sequence Visual Aids: Power-Point Presentation. Introduction I.Attention-getter: (wow factor) The problem with organ donations is that you do not know how important it is until it happens to family, friends or yourself. The issue is it is not taken seriously, when all it takes is a trip to the DMV. It may be that no one in the room has had a family member that needed an organ, but maybe there is. Why does everyone want health insurance? It is to help your chances of survival and of course your pocket ($). Why not donate your organs a nd help save a life? It may be you that needs an organ one day! A. II. Credibility Statement: (why are you qualified to speak on this topic? I researched several sources on the importance of organ donation. I also have a friend that donated his bone marrow in order to save his sister’s life. In my research I also read situations where people have died due to not having an organ donor. III. Preview: The discussion of organ donation can seem to be a touchy subject, but the truth is anyone in this room may need an organ donation at any moment. What if on your way home today you get in an accident which is almost fatal, but you need a heart transplant to live. In the opposite prospective, you may be brain dead and your organs can save a child that was born with 1 bad kidney.You can save that child’s life. Then we also have organs that are bad, but can be studied to find a cure or to better understand the reason why the problem may occur. > Body I. Main Point 1 The importan ce of organ donation. A. Organ donation is important everywhere, but is only possible because people have to be willing to do so. 1. â€Å"Enough people to populate a small city — over 100,000 — are waiting for an organ donation in the United States. † (Mayo Clinic Staff). http://www. mayoclinic. com/health/organ-donation/FL00077 2. The ultimate act of human kindness. † (Dr. Moritsugu, previous surgeon general of the United States) http://www. nytimes. com/2007/08/28/health/28brod. html? _r=0 3. â€Å"Joshua Abbott was a lung transplant recipient who championed the cause of organ and tissue donation. To the legislature, he became the face of all those needing transplants. Josh became an organ transplant recipient at age 29 and an organ donor at age 30. He died in 2006, 11 months after receiving a double lung transplant due to complications from an illness. † (N. A. , 2009) http://www. donatelifeflorida. rg/content/joshua_abbott/? selected=5 A. The p roblems in acquiring organs for donations. 4. â€Å"Enough people to populate a small city — over 100,000 — are waiting for an organ donation in the United States. † (Mayo Clinic Staff). http://www. mayoclinic. com/health/organ-donation/FL00077 2. â€Å"The parents of Laurie McLendon, 42, chose to donate when their daughter suffered cardiac arrest at New York-Presbyterian Hospital. Two women received her kidneys, a burn unit received skin, her corneas went to an eye bank, and her liver was transplanted into a 61-year-old pediatric oncologist, Dr.Michael Harris of Englewood, N. J. , who had contracted hepatitis C years earlier while caring for a patient. † (N. A. , 2007) 3. â€Å"People typically wait three to five years for donated organs, and each day 17 of them die. † (N. A. , 2007) 4. â€Å"An estimated two in three Americans have not indicated their wishes about donation. † (Dr. Syed) http://www. irfi. org/articles/articles_101_150/organ _donation_problems. htm B. How to donate your organs. 1. You can let your immediate family know what you want done with your organs or have it written in a will. 2.Every state allows you to register to have your organs donated. Florida you can sign up via your DMV (online or in person) * > * II. Main Point 2: Donating organs while you are alive. C. How can you donate organs while you are alive? 5. â€Å"Living organ donation has become a common source of organs for those in need of organ transplantation, usually a kidney, bone marrow, and sometimes the portion of a liver.Less common is donation of a portion of a lung or small intestine. There are thousands of living donations in the US and around the world every year. † (2012 International Association of Living Organ Donors, Inc). http://www. livingdonorsonline. org/general. htm 6. â€Å"Donors are often a close relative but may also be individuals who are not related but have an established emotional relationship with the recipient such as a partner or close friend. † (N. A. , 2012) https://www. organdonation. nhs. uk/ukt/how_to_become_a_donor/questions/answers/answers_5. asp 7.Part of a liver can be transplanted and it may also be possible to donate a segment of a lung and, in a very small number of cases, part of the small bowel. D. What is the risk of donating organs while you are still alive? 1. â€Å"Living donation is major surgery. All complications of major surgery apply. † ( © 2012 Transplant Living. A service of the United Network for Organ Sharing, a non-profit 501(c)(3) organization. ) http://www. transplantliving. org/living-donation/being-a-living-donor/risks/ 2. â€Å"My friend Joshua donated some his bone marrow to his sister who had leukemia and is living today because of his act of kindness.He could have been paralyzed if the procedure had gotten wrong with the anesthesia, but is a low risk procedure. † 3. The Liver, Kidney, Lung Pancrease, and Intestinecan ca use longterm effect on the body. (United Network for Organ Sharing. 2011). http://www. transplantliving. org/living-donation/being-a-living-donor/risks/ > III. Main Point 3: Organ donations help scientific studies advance and can prolong life. E. Donating your body and organs to science 8. â€Å"One out of every 10 Americans is affected by liver disease.Liver disease is one of the top 10 causes of death in the United States. The liver supports almost every organ in the body and is vital for survival. Because of its location and many functions, the liver is prone to many diseases. There are over 100 liver diseases. The liver is necessary for survival; currently there is no way for the body to compensate for the absence of a functioning liver in the long term, although liver dialysis techniques can be used in the short term. The liver does have a great capacity to regenerate and has a large reserve capacity.In most cases, the liver only produces symptoms after extensive damage. † (N. A. , 2012) http://www. sciencecare. com/blog 9. â€Å"Medical schools have an ongoing need of bodies for teaching and research. The need may be especially urgent at osteopathic and chiropractic schools. † (N. A. , 2012) http://www. funerals. org/frequently-asked-questions/69-body-and-organ-donation-a-gift-to-science 10. Your body donation could help students learn to save lives or help researchers understand how different organs function so they can find cures and improve procedures. (N. A. , 2012) http://www. ehow. om/info_8005106_pros-cons-organ-body-donation. html F. Donating your body to science can save your family money. 11. â€Å"A basic burial averages close to $6,600 in the United States. Many people worry about the financial burden this places on their families. † (Freedman 2012) http://www. getrichslowly. org/blog/2012/01/30/how-to-donate-your-body-to-science/ Conclusion I. Review/Summary of Main Points: In conclusion, donating your organs can help in many ways. So get out there and make a difference by donating your organs. Not only can you save someone’s life, but someone may save yours one day. Works CitedWalmsley, Angela. â€Å"What the United Kingdom Can Teach the United States About School Uniforms. † OmniFile Full Text Mega (H. W. Wilson). Web. 11 Feb. 2012. . Tanner, Julian. â€Å"Education Canada. † Making Schools Safer? The Unintended Consequences of Good Intentions 43. 3 (2009): 12-15. OmniFile Full Text Mega (H. W. Wilson). Web. 12 Feb. 2012. . Starr, Jennifer. â€Å"Journal of Law & Education. † School Violence and Its Effect on the Constitutionality of Public School Uniform Policies. 29. 1 (2000): 113-18. OmniFile Full Text Mega (H. W. Wilson). Web. 12 Feb. 2012. . Bartsch and Cheurprakobkit. â€Å"Educational Research. † Security Measures on School Crime in Texas Middle and High Schools 47. 2 (2005):