Hemolytic Uremic Syndrome essays

Hemolytic Uremic Syndrome expositions While seeing a scene of measurable documents on Court TV February 2004, I was roused to do my examination paper on Hemolytic Uremic Syndrome (HUS). As I viewed, an eleven-year-old kid was experiencing a serious episode of HUS. I viewed in dismay as this childs body shut down one framework after another. He had extreme spewing and looseness of the bowels that his mom attempted to home cure with Pepto-Bismol and Imodium. Following a few days when blood was available in the runs and his fever turned out to be hazardously high he was hospitalized. The kid immediately slipped into a state of unconsciousness and his respiratory crumbled making him be put on a ventilator. Before long liquid began to work around his heart which compromised his life and he needed to experience crisis medical procedure. Serious seizures shook his little body on a few events. His kidneys shut down and he must be put on dialysis, at that point liquid developed around his heart again and another crisis medical pr ocedure was expected to expel the liquid. Tests requested by the specialist were without any result and the specialist didn't have the foggiest idea about the reason for the issues. At that point the kid began to recoup, yet from what nobody knew. As he got reasonable and had the option to talk he told his folks of some crude cheeseburger he coincidentally ate during his outdoors trip. The guardians brought the kid some cheap food and as he tasted from his beverage he endured extreme stomach torment and had another seizure and slipped once again into the unconsciousness. The guardians told the specialist of the crude cheeseburger meat and tests uncovered the kid was experiencing HUS. The moms endeavor to home cure the runs and regurgitating had caused the microorganisms E-Coli (OH157:h7) to numerous in the digestion tracts harshly. Blood transfusions were not helping, and the guardians before long looked for outside assistance. They found a specialist that had been working with plas ma transfusions and it was working in patients with extreme HUS. Subsequent to getting authorization from the clinic the specialist brought his hardware and ... <!

Review of a Live Theatre Perfomance (Fences by August Wilson) Essay

Audit of a Live Theater Perfomance (Fences by August Wilson) - Essay Example In view of the setting of 1950’s, Fences focuses an African American family. It records their fantasies, urgency, achievement and disappointment. Tight-lipped with horde pictures and images playing quietly all through the play and uncovered at the start and beginning of the plot, ‘Fences’ is certainly a showstopper and is additionally humanistic. The play remarks on the developing African-American experience and minutely looks at unpredictably the ‘race-relations’ woven inside the plot of the play among numerous different topics. Isolated in the middle of two plots, containing four and five scenes separately, the story spins round the downturn of the Afro-American people group in post world war II period. The play opens on the compensation day of two specialists named Bono and Tory. Both the two characters are significant in the play. Bono and Tory are seen as drinking while at the same time talking. Tory is acquainted with the crowd through his discourse and this structures an extremely remarkable style of performing imaginativeness. Tory’s character is uncovered by his demonstration of moving towards his manager Mr. Rand and his inquiry about the disallowance for the Black men for driving waste vehicles. Next, the crowd is acquainted with the other two significant characters of the play, Lyons and Rose, who joined the discussion. With the improvement of the discussion, crowd becomes acquainted with about the way that Tory once cut a man which demonstrates a few variations from the norm in his practic es. Lyons is a performer by calling who is acquainted with the crowd while he was requesting cash from his dad and was very sure about the way that he will get it from his dad, Tory. Tory renders his child a hard and attempting time by denying the cash however finally the dad concurs. With the improvement of the plot, in the end it is uncovered that Tory engaged in extramarital relations with a lady named Alberta. It is vital

Estimating Realistic Startup Costs

Estimating Realistic Startup Costs Have you ever had an interesting idea and thought that it might be turned into a successful business?Well, you probably have, as has almost everybody.Where are those businesses and why there are not more successful businessmen and businesswomen in the world?The thing is, very few of those initial ideas go from a fleeting thought into an actual realization, and even less become successful in the long run (statistics say that, due to various reasons, around 50 % of startup businesses fail during the first year of existing).The reason behind why people are not more prone to taking action and bringing life to their ideas is the fact that embarking in business could seem like a long shot- a risky, possibly irresponsible undertaking that can leave you with nothing, or at least, with less than you have initially had.So, finances are the main reason why so many good ideas have never seen the light of the day, and it is really easy to see why.Even if you talk to the successful businessmen and ask them about their beginnings and how they tackled finances they will remember the time as stressful, full of difficult decisions, anxiety, and anticipation.The benefits and reaping the success came later. Much later.So, if you have decided that your idea is worth turning into a business, and if you are ready to take on the responsibility, angst, and excitement of trying to create a name for you in the business world read on.WHERE TO STARTOkay, so you have an idea, but is that enough?Unfortunately, it is not.For the idea to be turned into a business it has to be either innovative so there is no competition on the market, or it has to be in high demand or offer a better service than other businesses in the same area.To know that, you need to do market research of the field that you are interested in.This will give you a sense of what is out there and you can feel less anxious or scared to delve into the investment.If you are not going in blind you know where you are putting your m oney, and if you can take that risk.The next thing you should do is make a business plan.Answer the questions like what you consider needs to be achieved in order to consider yourself successful, where you want to be in five years’ time, how you want to get there, and so on.Set up milestones like In one year my store should earn this much. or In five years the company should be international.When you set up those goals, you come to the most important part and that is: How do you get where you want to be?This is where finances come into the picture- your actual plan of allocating resources and earning money.Pay attention that your plan is not something that you follow blindly.The plan should just be an outline, something to help you shape your idea into action.On the way, you will probably have to diverge from the plan, as you will notice that you had a wrong perception of how thing work or you might realize that you need more time to reach that milestone, or it is harder than you thought.This is where you should persevere.Blindly sticking to the plan may be one of the causes that high percentage of startup failures. WHAT ARE YOUR NEEDS?So, we are finally ready to start talking about money.How much money will you need to get your business up and running?It is important to know that this depends on the type of business itself: the startup costs for, lets say, an online shop will not be nearly as big as those for a restaurant.Now, lets imagine that you are a first-time businessman and you have no idea how much money you need to open a restaurant.How much are the furnaces and the stoves, the furniture? What about chefs paycheck?The first thing you should do to get closer to calculating your costs is to, once again, do the market research. This time focus on finding the public financial statements of similar businesses, talk with people in the industry, and get advice.Which brings us to the next thing and that is having a person in your team who knows what they a re doing. Do you know the actual realistic costs of the things you need? If not, seek advice from a mentor.It can be your cofounder, an accountant, a friend or a family member just as long as that person has experience in owning a business and preferably a successful one and is willing to mentor you.If you do this alone, chances are you are going to miss something in the learning process, and that can make a difference in terms of success or failure.Take out as much guessing as possible from the process (this is impossible for innovative ideas in which case you only have to guess as there are no previous data to draw from).A crucial thing is to think six months to a year ahead when you are calculating how much money you will need.A year is optimally a timeframe where you can see if your business is on a growth path, so make sure you do not experience a financial setback during that time.To avoid that you will have to learn how to preserve cash. How do you do that?Start with the esse ntials.This means that you get everything that you need rather than what you want.To get your restaurant up and running you would need a stove and a fridge, but will you need a pasta roller right away if you are not planning on making your own pasta for a couple more years? No.And just like that, you saved yourself a couple of hundred dollars.If you eliminate other non-essential items using the same thinking pattern, you will lower your cost by a sum that makes a difference.Negotiate terms from vendors or get a lease on the items you need rather than buying them. It will lower your initial cost requirements.Another smart thing to do is getting several bids (at least 2 or 3) for the same item you need. Pick the most affordable option but pay attention not to disregard the quality.Your costs are divided into two groups based on how many times you would need to pay for them. The first group is fixed costs, and the second group is the recurrent costs.The fixed costs include:Furniture an d supplies (computers, microwave, phones, AC, and more) you only get this once, or at least, you are not expected to redecorate or purchase computers very oftenBranding this is something you do before you set up a place, and if you do it right; you do it just this once.Logo Create a logo yourself or pay a designer to do that for you, chances are, once your mind is fixed on the idea, it will not change. This expense entails setting up a banner or a screen with the logo on a suitable place.Advertising material posters, flyers, business cards, pens and more. If you order enough in the beginning, you will not have to refill the stock later on.Permits and licenses for a lot of industries you need to get a legal license to do the desired work. Cross it off your list, and do not worry about it anymore.Legal fees there is a certain amount of money that you need to pay to be able to run a business. The amount differs from state to state so visit your local courthouse and get the requir ed information.There are other items that can be taken into account depending on the type of business, so this list is not a definite one.The recurrent costs are those that you will need to cover annually, monthly or weekly and they are:Rent if you need to take up a specific space. This is redundant for home-based or online businesses.Electricity, phone bills, internet connectionSupplies such as paper, pens, staplers, pins, and so on.Advertising pay for ads on local radio or TV stations, newspaper and more (Less than 10% of your budget).Inventory or raw material If, for example, you are selling hats, you need to invest in and refill the stock of hats available in order not to run out. If that happens it creates a bad image of the company. Get raw materials if you are for example specializing in selling hand-made lamps- get enough of everything that you need to make the desired number (up to 25% of your budget).Payroll This entails that you would need to set aside the money that needs to be allocated to issuing paychecks to all the employees. Set aside enough money to get your own paycheck. (Allocate somewhere from 25% to 50% of your budget.)FeesInsuranceLease paymentsTo get a better picture of what you need, make a list and put down anything that comes to mind, even if it is the smallest thing that you consider irrelevant.Just put everything down.Once you have made your list add up the costs, then try to go back and lower them by 25% if you can (and even more).When starting up a new business, novice entrepreneurs are well aware of those fixed costs and it rarely happens that there is an oversight in that area.They come about early in the process so they cannot be missed. At least not easily.The oversight often happens with the estimate of how much money is needed for the recurring costs. The money needed for the day-to-day functioning of a company is called operating or working capital.Why do you need it? Lets put it simply and with the help of an example. If you are a farmer and want to grow tomatoes enough to sell them and never purchase them yourself again, you will need pesticides, watering systems, someone to pick them and so on.This is what you need to keep your tomato farm running. If you want to eat tomatoes while you are waiting for the ones you planted to ripen, you will need to purchase the tomatoes form another farm or vendor.In order to get the tomatoes, you will need the money to purchase it.This is your operating capital, and it covers negative cash flow until you reach breakeven.There are three types, or rather three stages of breakeven:Breakeven without a consistent salary or withdrawal. This means that the business pays for itself but not yet for you.Breakeven with minimal consistent salary or withdrawal. The business starts earning you a certain amount of money. It is not the ideal yet, but the growth shows, and eventually,Breakeven with a good salary and withdrawal. You can consider your business a successful one.L ets take sales for example. To know when you have achieved the third stage of breakeven, you need to know which revenue you will have to hit and when you expect to hit it.To calculate that, you should forecast sales revenues, cost of goods (COG), gross profit (GP), monthly overhead expenses (fixed expenses), and net profit. You should make that forecast for 6-12 months.FUNDINGSo, now that you have reached the preferable cost for everything you need to start your business, what is next to consider?It is the projects funding.This entails all the finances put together in order to start your business. Funding TypesLaymen may think that all initial funding has to come from you if you are creating a business.How many people would you think would be in a position to do that?Almost nobody, actually.There are various sources that can help you get the amount needed.The first one is definitely you. Do you have some savings waiting to be used for something meaningful? Invest them in a new busin ess.How much money you have to start with is of no importance if you are being smart about the investment.Another investor can be your co-founder or your partner. Pull your funds together to see if there is enough to cover at least the first 6 months from the initial date.If you find that both of you (or more) still do not have enough money, the time has come to bring in a third person into the mix.Now, what you can do is ask for outside capital in three different places:Go to the bank and apply for a loan. Many banks offer special deals for startup companies. So just go to your bank and get the information on what requirements you need to meet in order to qualify for a loan.Another thing that you can do is get funding from so-called angel investors or venture capitalists (VCs). An angel investor is a person who is ready to invest some of their own money to help you out.They usually have experience in creating startup companies; maybe they have done it successfully in the past and n ow want to help out other striving entrepreneurs.Of course, they do not to that out of the kindness of their hearts. When they invest in your startup they get shares of your company that they can later sell and earn money themselves.The third outside investor can be a venture capitalist. A VC is a person who works for a venture capital companies.They take other peoples money and invest them in startup companies. In exchange for the investment, they also get their fair share of shares of the company.The shares are divided among the investors according to the amount of money they have invested. But, how do you get the investors to help you out?How do you persuade them that your company is not a hopeless case just waiting to fail?With companies that already exist but need more funding for branching out, there are existing financial statements, evidence of the companys success and proper functioning, so the investor can deduce that their money will not be put at too much risk.However, t he startup with startup businesses it is more difficult to set up a value of the company. As the business is brand new, there are no previous accounts to rely on.Then startup valuation comes into the picture. There are several methods that can be used and some of them are Venture Capital Method, Discounted Valuation Method and more.How do you know that you need more funding?When you have added up all the items that you would need for the business to run (both one-time and recurrent costs), and when you have added up all the funding sources (personal, angel investors, VCs, and bank loans), it is time for a review.If your cost is lower than your funding, you are on the right path, and even have some funds to spare. If your cost is higher than your funding you should consider either getting more funds or reducing your cost.ADDITIONAL TIPSGet an accountant, and get one right away. You might think that your expertise is enough to add up some numbers and see if you have enough funding, an d you might be right. But what if you miss something?Hiring an accountant at the very start could seem like one of those optional costs to take into account.And yes, allocating a certain amount of money to use as the accountants paycheck could seem like a lot when you are on the very beginning and you are not even paying yourself yet. (There is another, cheaper option: hire a part-time accountant or a volunteer to that for you.)An accountant is extremely valuable. He keeps track of all your expenses, makes sure that you have collected all your receipts, and keeps things organized.He is likely to save you a lot of money in the long run. Experience has shown that hiring an accountant can be a lot less expensive than if you do it later and try to cover the mess and play catch-upPay attention who you are partnering with.Make sure that the person who creates a business with you is trustworthy.Usually, it is someone you know well- a good friend or a family member, so you think you are fam iliar with their work ethics as well.In that case, just make sure that they share the same values and passion for the idea.You do not want to wake up two years into your business only to realize that your cofounder does not want to do it anymore.And, this one is maybe obvious, but do not jump into partnerships with people you do not know just because their story sounds inspiring.Allocate rainy day money. Since you cannot predict the amount of money to a dime, give yourself space to make mistakes.The rainy day fund will cover any unexpected expenses or setbacks that you might encounter.This can be anything from paying a fee to a computer technician if a computer crashes, or covering some bigger issues. FINAL THOUGHTGetting your new business up and running can be stressful for many people. However, if you tackle the matter in the right way-responsibly and thoroughly, there is no need to be afraid of a little math.Do your research, ask your mentors for advice, track your growth progres s and you should be on the right path to owning a successful and thriving business.However, following a plan and wanting to earn a lot and be rich will only get you so far. To truly be sure of your future success, combine all those before-mentioned factors with pure passion and love for what you are doing.Only by knowing the true purpose of why you are doing what you are doing will you succeed in establishing yourself among other successful businessmen?

Criminal Biology Essay - 2307 Words

In order to answer the above question, it must be understood what is meant by the term ‘the race-crime debate’. Bowling and Philips (2002) found the ‘race and crime’ debate has largely been detached from discussion of ethnic differences in the extent and nature of victimisation and how patterns of offending and victimisation interrelate. Bowling and Philips (2002) found that until recently the ‘race and crime’ debate had been preoccupied with other issues. The first being a question to whether people from ethnic minority groups are ‘more likely to commit criminal offences’, contrary to those from the majority of the white population. ‘This debate has turned on an analysis of ‘official’ crime statistics, especially arrest and prison data –†¦show more content†¦Among chronic offenders and serious offenders Ellis (1990) found that they are most likely to posses the defective biological ‘hyperâ €™ and ‘hypo’ functioning biochemical and neuropsychological conditions which Ellis assumes to be ‘criminogenic’. In turn this is believed to ‘increase individual potential or predispositions for criminal behaviour’ (Hawkins 2010). Biological predispositions ‘endow individuals with personality and behavioural tendencies which then increases their risk for crime involvement’ (Hawkins 2010, P48). Based on this, if criminality is a product of biological dysfunctions then biological traits should be disproportionally found among chronic offenders (Hawkins 2010). Contrary to this, individuals with low biological predispositions for criminality should rarely be found in chronic offenders. Based on this Hawkins is suggesting if individuals have cognitive problems then they are prone to crime, but this is not always the case as there is some strong evidence which may suggest otherwise. In my opinion not all individuals with psychological problems commit crime. Hawkins is also suggesting that every individual that commits criminal activity will show signs of pathological problems. Not every criminal is ill or insane. The uses of representative samples are critical in the assessment of biological bases of race and class differences in offending (Hawkins 2010). 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Technology Vs Humanity A Discussion Of Fahrenheit 451

Technology Vs Humanity: A Discussion of Fahrenheit 451 Fahrenheit 451 is a dystopian novel about a society that orchestrates its citizens’ actions through mass media propaganda and censorship. The government controls its citizens’ freedom of thought and individualism through various manipulations, most importantly television and the banning of books. The government in the novel furtively influences the population by allowing no insightful television broadcasts that could lead to dissention or questions, but rather bombards the citizens with television shows that contain only mindless frivolity to keep the viewers in a state of almost vegetative happiness. There are no news broadcasts, documentaries, or current affairs programs, nothing†¦show more content†¦Just as the impersonal emergency medical technicians who pumped Mildred’s stomach show no emotional connection to their patient (Bradbury, 1950), so has much of current society become immune to the suffering of others. Many times the person that stops at an emergency situation only does so to film the events with their IPhone and post it on Facebook, not to help with the crisis. The effects of constant graphic news shows, hospital shows, cop shows, etc. showing nonstop trauma, murder, blood and guts are creating a society of uncaring humans. Apathy among fellow humans is becoming the normal (Naughton). The effect of constant violent programming inures the individuals to suffering in the world around them and the innate response to stop someone else’s pain if they can. Just as the populace of Fahrenheit 451 was slowly anesthetized into living in the happy yet unreal world created from their parlor walls, the reality of the current perception of violence and abuse is stealthily hardening this world population hearts and minds to the horrors of violence against fellow beings (Bradbury, 1950). The current society turns an unconcerned eye to murder, abuse, disfiguremen t and more causing their humanity to decline a little each time they fail to beShow MoreRelatedDeveloping Management Skills404131 Words   |  1617 Pages269 United Chemical Company 269 Byron vs. Thomas 271 Active Listening Exercise 272 SKILL APPLICATION 274 Activities for Communicating Supportively Suggested Assignments 274 Application Plan and Evaluation 274 274 SCORING KEYS AND COMPARISON DATA 276 Communicating Supportively 276 Scoring Key 276 Comparison Data 276 Communication Styles 276 Comparison Data 276 SKILL PRACTICE Diagnosing Problems and Fostering Understanding: United Chemical Company and Byron vs. Thomas 278 Observer’s Feedback FormRead MoreLogical Reasoning189930 Words   |  760 Pages.............................................................................. 299 CHAPTER 10 Deductive Reasoning .......................................................................................... 312 x Implying with Certainty vs. with Probability ................................................................................ 312 Distinguishing Deduction from Induction ..................................................................................... 319 Review of MajorRead More_x000C_Introduction to Statistics and Data Analysis355457 Words   |  1422 Pages Introduction to Statistics and Data Analysis, Third Edition Roxy Peck, Chris Olsen, Jay Devore Acquisitions Editor: Carolyn Crockett Development Editor: Danielle Derbenti Assistant Editor: Beth Gershman Editorial Assistant: Ashley Summers Technology Project Manager: Colin Blake Marketing Manager: Joe Rogove Marketing Assistant: Jennifer Liang Marketing Communications Manager: Jessica Perry Project Manager, Editorial Production: Jennifer Risden Creative Director: Rob Hugel Art Director: Vernon

Legal Services Bill and Private Practice Free Essays

The ability of the legal system to effectively manage and serve its consumers is one of the most important traits of justice.   Legal practitioners must be able to offer adequate and effective services for those who require those services, or else the concepts of a fair trial and of a balanced, impartial judicial system are ones that cannot be satisfied. The legal services bill, which was published in May of 2006, was aimed at improving private legal practice, and improving the level and quality of services provided by attorneys and other legal practitioners. We will write a custom essay sample on Legal Services Bill and Private Practice or any similar topic only for you Order Now    Yet, there are those who dispute the effectiveness of the legal services bill, and there have been many opinions given on the bill and on private practice in the entirety of the legal profession. These opinions have come from politicians, legal experts, and others who are concerned about the legal profession and its ability to serve its clients correctly and fairly.   This essay will attempt to delineate the legal services bill, the way in which it seeks to help the legal profession in the United Kingdom, and the dialogue that has emerged concerning the bill.   It will also put the legal services bill in perspective, and will look at private practice and the legal profession with a wider lens. The problems of the British legal system were widely acknowledged by the government.   Sir David Clementi, who was appointed in 2003 to produced a review of the legal services framework for Great Britain, published the results of his review in a 2004 report.   Clementi was not optimistic about the state of the framework as he saw it. â€Å"The current system is flawed,† he wrote in his introduction to the report.   â€Å"Whilst some lawyers will continue to argue that the current system ‘ain’t broke’, I believe there is strong evidence of the need for major reform: (I) to the regulatory framework which, as described in the Government’s own Scoping Study, is flawed; (II) to the complaints system which needs change to benefit the consumer; and (III) to the types of business structures permitted to provide legal services to the consumer, which have changed little over a significant period.† (Clementi, 2004)   Clementi believed that these reforms would help improve independent, private practice. In response to this report, the legal services bill was created, published in May of 2006 and highlighted in the Queen’s speech in November of 2006. The bill’s main goals, according to a BBC summary of the bill, is to â€Å"create independent regulators for the legal profession and greater competition in the legal services market.† (BBC, 2006)   The main provisions in the bill are to set out clear objectives about the regulatory framework and the legal principles of the profession, and to separate the representative and regulatory functions of designated legal bodies; to create a new Legal Services Board that will provide oversight of legal regulatory bodies; to give the Legal Services Board powers to oversee frontline regulators; to create an Office for Legal Complaints; and to enable new business structures for the legal profession, which will allow various types of lawyers and non-lawyers to work on equal footing. (BBC, 2006) Yet, in order to understand the reasons for the legal services bill, it is necessary to give a general background for the status of the legal profession in the United Kingdom, which gave rise to the need for this bill. In 1944, when legal aid and the legal profession in the United Kingdom were still unreformed and were poorly designed, a Departmental Committee appointed Lord Rushcliffe to examine the legal profession in the UK.   Rushcliffe advised that instead of the State employing thousands of attorneys to practice cases, it should instead give legal aid to attorneys in private practices.   His advice was implemented in 1949, and continued to be used for several decades without much reform. Since that time, it has been difficult to strike a balance between the amount of aid given out, the amount of legal professionals available for practice, and the availability of legal service to consumers.   Many had been calling for major reform since the late 1970s. (Thorp, 1999) The Law Commissions Act of 1965 was created in order to keep the law and the legal profession under review and to recommend reform where it is needed.   The Law Commission had been responsible for many reforms in regards to specific laws, but where independent legal practice is concerned, the jurisdiction of the Law Commission does not permit them to reform the overall system of private legal practice. Legal work in the UNK can be broken down into three distinct categories: non-contentious, which includes things such as contracts, wills, and other issues between clients that is able to be resolved without litigation; litigation, which includes the actual courtroom process and the formal and informal processes leading up to the courtroom proceedings; and advocacy work in the courts. As Stephen Davies writes, sometimes it is difficult for legal consumers to understand their particular legal problems, and therefore, it is difficult for those consumers to contact the proper attorney or legal personnel to resolve the case. â€Å"Moreover,† says Davis, â€Å"many will have little or no knowledge about the skills and experience of different advocates, or ability to judge their quality.   For many consumers, the demand is exceptional, and there is little opportunity for quality comparison through repeat purchases.   Thus, legal services are not homogenous – consumers differ in their problems and barristers differ in their skills, knowledge and experience.† (Davies, 2005) This is a problem, according to Davies, because those who wish to bring legal cases, but do not understand their particular legal problems, are not receiving justice.   The court system, according to Davies, should be open to all, and these restrictions do not allow for all to be satisfied by the current system. According to the OFT report of 2001, there were 101,000 registered solicitors in England and Wales, in the year 2000, and the ten largest solicitors’ firms had a market share of 46.8%. (Davies, 2005) These solicitors are responsible for playing the â€Å"middleman† between consumers and litigators, and their role is and important one in the legal process. Says Davies, â€Å"In the traditional model, the solicitor plays this middle-man role.   This is, of course, not particularly exceptional – few markets in general are characterized by perfect information on both sides, and a common response to this market imperfection is the existence of the middle-man.   Of course, we should not expect the asymmetry to be pronounced for those consumers who make repeat purchases, and for whom it is worthwhile to accumulate costly information (e.g. many corporate customers).† (Davies, 2005) With figures updated to 2004, the amount of solicitors has grown to 121,000, which represents a 20% growth in the size of the profession, but the number of firms has declined by 500.   Size distribution among these firms is very skewed with most either having between 2 to 4 partners, or more than 81 partners. The Bar, in England and Wales, is a much smaller profession.   According to the same OFT report, about 10,000 barristers are employed in independent practice in England and Wales, and 2,500 are employed by the State. While Davies admits that there are problems with the current structure and market saturation of both solicitors and barristers, he derides those who believe that any system of legal service could be made perfect. â€Å"In some of the public debate, I have seen comparisons between the market so described and the economists’ ideal notion of perfect competition.   In my opinion, this I not an appropriate comparator,† Davies continues.   â€Å"Perfect competition is characterized by (I) perfect information, (II) an homogeneous product, (III) the absence of regulation.   None of these assumptions is appropriate for legal services. Asymmetric information is an innate feature of the market, and it is difficult to imagine how any policy intervention could entirely remove this market imperfection.   Amongst barristers (and perhaps between solicitors too), there are important differences in their services (specialisms).   The profession’s obligations to â€Å"The Law† and universal access dictates that some sort of regulation is unavoidable.† (Davies, 2005) Davies was directly responding to the original draft of Clementi’s report. â€Å"In proposing reforms designed to encourage cost-effective practices,† writes Clementi, â€Å"there is no suggestion of diminution in standards, either in the quality of legal advice provided or in the ethical standards of practitioners.† (Clementi, 2004) Clementi’s recommendations, and the subsequent publishing of the legal services bill, was met with split reactions, and continues to be a lightning rod for mixed opinions.   Some believe that the benefits of the bill are â€Å"more flexible working environments attracting a more diverse group of high quality individuals into the profession; an increased supply of services focused on what customers want to buy rather than what lawyers want to sell; and increased competition leading to cheaper and better services.† (Blanes, 2005) Yet, â€Å"this is the optimist’s view,† writes Jordi Blanes i Vidal, in a 2005 response to Clementi’s recommendations co-written with Ian Jewitt and Clare Leaver. â€Å"There is also a pessimistic view: a breakdown in the functioning of the legal services industry as professional standards of behaviour become eroded through the unleashing and subsequent enforcement of short-term opportunistic profit motives.† (Blanes, 2005) The structure of the legal services bill is such that it is designed to work within the regulation, complaints system and the restrictive nature of current business systems. Regulation will be overseen by the Legal Services Board.   They will the charge of promoting seven regulatory objectives, including the rule of law and improved access to justice. As Sarah Clover and Lydia Hassall observe, â€Å"More controversially, they include the protection and promotion of the consumer interest, despite the Joint Committee’s recommendation that the Bill should also protect and promote the public interest, which may not always coincide with consumer interest.† (Clover and Hassall, 2007) One another objective of the bill, which was not featured in the original draft but was added in response to widely-expressed concern from those who believed that the bill threatened the independence of the legal profession, is to encourage an independent, strong and effective legal profession.   However, the addition of this objective in the bill has not completely stopped the criticism from those who see a conflict of interest, which centers on the idea that the Secretary of State appoints all Chairpersons and the members of the board. â€Å"It remains unclear how the [Legal Services Bill] will operate in practice.   Indeed, there is no statement in the Bill as to what the LSB will actually do.   Whilst the Government has said in the response to the Joint Committee’s Report that the LSB will operate in partnership with the Front Line Regulators and would only use its powers if the Front Line Regulators were clearly failing, many, including the Law Society, would like to see a positive commitment in the Bill to such ’light-touch’ regulation.† (Clover and Hassall, 2007) The government has agreed to take another look at the regulation part of the bill because of such widespread discontent. The Complaints section of the bill created a single independent service for handling complaints – the Office of Legal Complaints – for all branches of the legal profession, in order to provide customers will greater confidence in their legal service, and to provide a quick and fair fix when things go wrong.   The OLC will be funded by the legal profession as a whole, and consumers will get the service for free, assuming that they do not pass  £20,000 in compensation. â€Å"It will be interesting to see how the increased level of redress to  £20,000 (compared with the Law Society’s current maximum of  £15,000) affects the consumer’s choice in pursuing a remedy against his solicitor. Whilst in the past most complaints to the Law Society have resulted in only a small payment of a few hundred pounds, the available figures relate to a time when the maximum award was only  £5,000 and when the Law Society did not deal with allegations of negligence as such. It is clear that, in the absence of legal aid, the OLC should provide consumers who have suffered losses of up to  £20,000 with an affordable and quick remedy, although it is unlikely to have much impact on claims of higher value, or those involving complex legal matters.† (Clover and Hassall, 2007) The third objective of the bill is to affect the structure of firms and legal partnerships.   The bill will provide for Alternative Business Structures, or ABS, which will provide lawyers and non-lawyers a chance to work together to provide legal services, and for non-lawyers to inject capital into legal services firms. It is expected to take several months until these reforms are fully implemented into the current system, and will take years for those reforms to have an impact on the system. In May of 2006, a report was published by an all-party Committee that has raised concerns about the legal services bill. Lord Hunt of Wirral, who served as Chairperson of the Joint Committee on the legal services bill, said, â€Å"we have some very real concerns about the proposals put forward in this bill.   The draft legal services bill departs from the recommendations of Sir David Clementi in a number of important respects and it is essential the Government should explain each of those departures fully.   Most of our substantive recommendations would come under a single heading, namely that of going back to the future – the future envisaged by Clementi.† (Parliament, 2006) Hunt raised concerns about the legal profession remaining independent from the government.   He said that it is not only important that the legal profession be independent, but that it must be perceived as an independent body, and Hunt expressed concern that too much regulation would undermine general support and confidence. Seemingly, the main concern for all those who are involved in this reform process, including those are for and those who oppose the legal services bill or portions of the legal services bill, is the wishes of the consumer. In a 2005 white paper, â€Å"The Future of Legal Services: Putting the Consumer First,† the government expressed its views on the topic. â€Å"Consumers need, and deserve, legal services that are efficient, effective, and economic.   They want to have choice, and they want to have confidence in a transparent and accountable industry.   Legal services are crucial to people’s ability to access justice.   They must therefore be regulated and made available in such a way as to meet the needs of the public – individuals, families, and businesses. The professional competence of lawyers is not in doubt.   The calibre of many of our legal professionals is among the best in the world.   But despite this, too many consumers are finding that they are not receiving a good or a fair deal.† (White Paper, 2005) The government concluded in their white paper that the current system was a ’regulatory maze’ and that it is outdated, inflexible, over complex and not accountable or transparent enough. â€Å"Reform is overdue.   It is necessary to ensure that consumers are in the driving seat in the provision of legal services.   It is also important to ensure that confidence in providers is maintained and increased.† (White Paper, 2005) In response to this white paper, the City of London Law Society said that there was not much enthusiasm in the city for the alternative business structures that were planned, although the CLLS was interested in the prospect of forming partnerships with barristers and solicitors, and promoting non-lawyers to partner with litigators. â€Å"Despite the concerns,† write Clover and Hassall, â€Å"most welcome the idea of reform and a better (but not necessarily more) regulated profession.   This should have a positive impact on the professional performance of the legal profession as a whole thereby reducing the number of negligence claims.† (Clover and Hassall, 2007)   This positive impact is dependant upon the degree and amount of regulation for many in the profession. Major reform is taking place with the implementation of the legal services bill, despite the fact that not all are satisfied with the type or quality of the reform.   Concerns about an outdated system being replaced with a restrictive system are still important to listen to, but the despite its flaws, the legal services bill is aimed to repair many of the flaws in the current system.   Reexamination of the bill is necessary to please all parties involved, but the bill seems to be a step in the right direction for the future of the legal profession in the United Kingdom. With so much riding on the ability to obtain competent, fair and efficient legal service, it is crucial that reforms be taken seriously and should not be used to undermine public confidence and opinion about the legal profession.   With so many solicitors and barristers causing concern over the â€Å"middle-man† function in the legal profession, regulation and complaints are mandatory aspects.   The legal profession in private practice is able to provide the general public with adequate and effective service, and the legal services bill has an opportunity to improve the quality of service being provided. Works Cited Blanes i Vidal, J., I. Jewitt and C. Leaver. (2005). Legal   Ã‚  Ã‚  Ã‚   Disciplinary Practices: A Discussion of the Clementi   Ã‚  Ã‚  Ã‚   Proposals. Clementi, D. (2004). Report of the Review of the Regulatory Framework for Legal Services in England and Wales. Legal   Ã‚  Ã‚  Ã‚   Services Reform. Clover, S. and L. Hassall. (2007). United Kingdom: The Legal Services Bill. Barlow Lyde Gilbert, Retrieved from Mondaq.com on April 18, 2007. Davies, S. (2005). The economic implications of partnership   Ã‚  Ã‚  Ã‚   restrictions in the legal services sector and their possible   Ã‚  Ã‚  Ã‚   removal. Government White Paper. (2005). The Future of Legal Services:   Ã‚  Ã‚  Ã‚   Putting Consumers First. Compiled by Lord Falconer. â€Å"Joint Committee Raise Concern Over Proposals in the Legal    Services Bill.† (2006). Retrieved from UK â€Å"Legal Services Bill.† (2006). BBC News, on April 18, 2007. Thorp, A. (1999). The Access to Justice Bill: Legal aid.   Ã‚  Ã‚   House   Ã‚  Ã‚  Ã‚   of Commons Research Paper, 99(33).             How to cite Legal Services Bill and Private Practice, Essay examples

Women In Advertising Essays - Gender Studies, Gender,

Women In Advertising The Oppression of Females in Advertising in our society is a complex collection of institutions, status, roles, values, and norms, and the best way to understand and learn about them is through the use of cultural artifacts. These can be anything from music to art to literature, or as in the example of this discussion, the modern day creation of advertisement in mass media. As Homo Sapiens moved from the hunter - gatherer way of life to industrial society, it was necessary to construct a framework for living so that such a concentrated number of people could exist together. This framework as come to consist of a myriad of expectations based on values and norms in the form of roles status and institutions. Desirable behavior is sought by people throughout the country based on how one is brought up and the expectations one is bombarded with on a daily basis. These expectations are reflected in every part of our culture and are used by people so as to know how to act in any given situat ion. The main examples are the family, education, health and medicine, religion, and the law. I have found that certain mediums reflect the expected roles in these institutions better than others. I originally focused on gender roles as a depiction of stereotypical behavior as reflected by advertising especially the portrayal of women, but I discovered that there were other stereotypes being perpetuated as well that were just as institutionalized if not just simply less noticed or studied. Therefore, although this argument will focus on the depiction of females and the female role in advertising. It will also mention the general use of American values, norms, and institutions to influence consumer. An institution is defined as a stable cluster of values, norms, status, roles, and groups that develop around a basic social need with a status being a person's position in society and a role being the behavior expected from that, and a value being a socially shared idea of what is good, right, and desirable and a norm being the behavior expected from those ideas. When people begin to form certain expectations in life there begin to be formed stereotypes. People recognize them universally and use them to form opinions and act or not act in a certain way when they are confronted with a situation or person. It is human nature to fear the unknown and cling to the familiar, and desire to fit in but want to stand out at the same time. It is from here that advertising finds its most potent weapons. By focusing on these culturally formed stereotypes they can explicitly affect people, and by feeding on these implicitly realized characteristics of people they can also affect behavior . This s eems relatively harmless to the advertiser who simply wants to sell his product, but it becomes harmful when it begins to perpetuate certain undesirable stereotypes to the point of cementing them in impressionable minds. Thus I will further differentiate the discussion presented here into the use of institutions that I do not find as harmful as others. Understanding that the perpetuation of any stereotype is bad in that it robs people of the chance to form original opinions without the hindrance of preconceived notions, but I strongly feel that specific depiction's like that of the myth of women need to be eradicated first and foremost because of its direct halt of progress. That's not to say that advertising has not changed somewhat with the changing of women's roles and opportunities in the 1990's. Society ,and specifically men, can accept the need and desire for women to work outside the home, but they still expect them to be mothers who keep everything together in the home. The portrayal of women can be broken down into several categories. First is the idea of beauty. Generally about 85% of all advertisements are devoted to the beautification of women's hair, face, and body. Women are bombarded with airbrushed, perfectly lit, constantly happy shots of gorgeous models that portray every ideal of our society. The content of ads t hat I have obsereved over and over again were makeup, perfume, breast centered, and skin. Women are

10 Facts on Martin Luther King for a Speech

10 Facts on Martin Luther King for a Speech If you are writing a speech about Martin Luther King, Jr., you will need some facts to include into your text. Below are ten great items which will help you in your writing: Martin Luther King, Sr., devoted his life to correcting injustices. This way of living was something passed down to his son who preached not just about Civil Rights, but about equality. His confrontations against segregation began in January 1935, when he organized a protest against the segregated courthouse elevators in his home town. Eight months after that he tried to get African Americans registered to vote. In 1939, Martin Luther King, Sr. had his famous march to the city hall in Atlanta. This march was accompanied by several hundred other supports, all of whom were attempting to demonstrate to current leadership the political strength within African Americans. Martin Luther King, Jr. followed in the beliefs of his father that people across the entire nation could use their vote to bring real change to laws. Martin Luther King, Jr. held great admiration for the ministers in Atlanta and his father, all of whom spoke up for civil rights. It was this obsession, this reverence of language and the power of words which enticed Martin Luther King, Jr. He had attended school where he would eventually gain entrance to college and become ordained as a minister. He was able to stir the minds and hearts of those who listened to him. With a degree in sociology and a passion for religion, Martin Luther King, Jr. started to fight the justice and inequality with the same power and strength that his father had used before him. Martin Luther King, Jr. and Malcolm X appeared about this same time fighting for justice and racial equality. As a minister, he incorporated teachings of Ghandi and advocated nonviolent methods of protest. He led the March on Washington in 1963 which was a very large political rally where over 300,000 people marched and there were 200,000 police officers. The march was congregated around jobs and economic freedom. It was here that Martin Luther King, Jr. delivered his famous speech entitled, â€Å"I Have a Dream†. In 1954 Brown v. Board of Education had taken place and declared that state-sponsored segregation in schools was against the constitution. King had been embarrassed by his first march in Memphis which ended in violence. It was here that he pledged to return to rectify the situation he had left. His reasoning for returning was due to a mental change in race to economics. He needed to change his civil rights movement focus to include economics and this required a return to Memphis. Legislative headway was made by the federal government with initiatives that included the Voting Rights Act of 1965 and the Civil Rights Act of 1968. Leaders from within the African American community that became well known during the Civil Rights era for their efforts included Rosa Parks, Martin Luther King, Jr., Malcolm X and many others. The most effective leader to emerge from the boycott movement was Martin Luther King, Jr. who had not only understood the much larger significance of the boycott but also realized that blacks living in the south could make strides through the use of nonviolent tactics. This movement in Montgomery eventually led to the development of the Southern Christian Leadership Conference, a clergy-led organization with King serving as president, in 1957. Within three years a wave of sit-ins were taking place to spur the end of segregation at lunch counters in the south. Such protests spread rapidly throughout the South and eventually lead to the founding of the Student Non-Violent Coordinating Committee in 1960. His speech the day he was assassinated concerned the strike by Memphis Sanitation. Changing his focus to economics, King spoke about economic actions, boycotts, nonviolent protest, and unity. He cited the book of Exodus, the parable of the Good Samaritan, teachings of Jesus, and the prophet Amos. He referred to death threats near the end, saying that they didn’t matter because he was on a mountain top and didn’t mind. He stated he had no fear and had seen the Promised Land and that, as a people, they will get the Promised Land. He ended the speech with the first line of the Battle Hymn of the Republic. The assassinations of Martin Luther King and Malcolm X along with significant government repression as well as the infighting that occurred in the black militant community resulted in a decline of protest activity following the 1960s. Even so, a permanent effect was left on society in America as a result of the Civil Rights Movement. Overt forms of discrimination and segregation finally came to an end while anti-black violence in the South declined as well. In communities where blacks had once been forbidden to vote, black candidates were elected to political offices. American democracy had been transformed by the modern African-American civil rights movement, much in the same way as similar movements had previously altered the country. The method of non-violent protest was also widely used during the mid-20th century by civil rights activists. In this case, the philosophy of non-violence was typically rooted heavily in religion. In order to be successful, a non-violent protest required the support of most of the black population as well as active participation by that population. Therefore, a successful protest required the active support of church leaders. When activists in Montgomery wanted to organize a bus boycott, it was their ministers they turned to for support and leadership. It was their actions, under the leadership of Martin Luther King, that would set the tone for the future peaceful civil rights protests that would shape the decade and finally bring about change. In his reform efforts, King often talked about self-sacrifice and love. Such non-violent protests were inspired by King’s visit to India, which solidified his belief in the power of massive non-violent resistance. In the early to mid-1960s, the use of both bodies and lives became one of the most prevalent forms of protest. These facts should get you up the speed with all the needed information for your potential speech. You will find a lot of great additional intel for a speech in our 20 topics and 1 sample essay on Martin Luther King and also our in-depth guide on speech writing one on your own. References: Autobiography Of Martin Luther King Jr.. London: IPM in association with Little Brown and Co., 1999. Print. King, Martin Luther, and Alex Ayres.  The Wisdom Of Martin Luther King, Jr.. New York, N.Y., U.S.A.: Meridian, 1993. Print. King, Martin Luther, and Clayborne Carson.  The Autobiography Of Martin Luther King, Jr.. New York: Intellectual Properties Management in association with Warner Books, 1998. Print. King, Martin Luther, and Coretta Scott King.  The Words Of Martin Luther King, Jr.. New York: Newmarket Press, 1983. Print. King, Martin Luther, and James Melvin Washington.  A Testament Of Hope. San Francisco: Harper Row, 1986. Print. King, Martin Luther, Clayborne Carson, and Kris Shepard.  A Call To Conscience. New York: IPM (Intellectual Properties Management), in association with Warner Books, 2001. Print. King, Martin Luther, Clayborne Carson, and Ralph E Luker.  Called To Serve. Berkeley, Calif. [u.a.]: Univ. of California Press, 1992. Print. King, Martin Luther.  Stride Toward Freedom. Print.

Medium vs. Media

Medium vs. Media Medium vs. Media Medium vs. Media By Sharon Medium originates from the Latin meaning middle, midst or means and this sense has carried through its various meanings. The 16th century meaning of intervening substance gave rise to the 19th century meaning of enveloping substance, a term often used in scientific experiments. Since the 18th century, medium has also meant intermediate agency (which no doubt is responsible for the medium who communicates with the other side). The mass media also share this origin. Radio is a medium (or means) of communication. With the advent of national broadcasting of radio programs in the 1920s, the term mass media was born. Given its Latinate origin, many people wonder about the correct plural of medium. Merriam Webster Online states that media is the correct plural of medium in almost all cases. However, many people also use media as a singular noun when referring to the mass media. Here are some quotations from newspapers: platform, Periscope, as a gathering place for gamers. Facebook has also been scrambling to get in on the growing medium, courting individual gamers and adding the ability to tip streamers on Facebook Live as part of its â€Å"gaming (www.nytimes.com) News media finally calls out Trump on his lies. Outrage over the Trump administrations policy of separating children from their parents at the border is clearly growing, and it looks as if the media are a driving force behind it. Finally, were saying what everyone has known for Were quick to condemn the culture of entitlement for sports prima donnas, but weve created the same cozy cocoon for media stars. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:Homograph Examples10 Colloquial Terms and Their Meanings20 Tips to Improve your Writing Productivity

Discussion Board 1-1 Assignment Example | Topics and Well Written Essays - 250 words - 2

Discussion Board 1-1 - Assignment Example Bio-psychosocial framework is an important tool in determining whether a child is age appropriately on track in development or delayed. With bio-psychosocial framework, counselors are able to understand life issues facing, children and that affects or influence their developments (Kail & Cavanaugh, 2013). The concept of genetics, heredity and diseases are important biological concepts to help in understanding variation of height, size and health with age of a given child. The concept of life cycle as contained under bio-psychosocial framework concerns the timing of processes and events in people’s life. There is particular standard time for something to occur in life of people. Psychologists and counselors may concentrate on the standards to analyze and predict issues affecting or influencing appropriate development of children. According to Kail and Cavanaugh (2013), the psychological aspect of bio-psychosocial framework dictates and explains behaviors and relationship of people with their environments. People exhibit different but almost standard behaviors at different ages in the course of their growth and development. Counselor and psychologists can analyze behaviors and other psychological definers as emotions and problem solving skills to understand whether a child is undergoing through appropriate growth process (Kail & Cavanaugh,

Archaeology Topic Assignment Example | Topics and Well Written Essays - 250 words

Archaeology Topic - Assignment Example Developing material culture and brand concepts of culture that are inseparable from the communities is essential. Culture heritage belongs to people, therefore ensuring cultural heritage is a necessity at all cost (Fiol 191). Heritage duration is important to the local people. Duration is long-term preservation of heritage assets and provision of their access in different forms. The fragile heritage assets need to be preserved in an environment that protects them. Large museums offer such conservators for the fragile assets. Museums give culture heritage long life through preserving artifacts or through recreating a historical place that can be experienced by people. There are different forms of protecting buildings and structures that hold cultural heritage. Heritage management for buildings requires continued use of the building. Intangible cultural heritage also needs to be managed through being re-interpreted by people of the specific cultural regions. Management of intangible cultural heritage is not easy but it is still manageable. Cultural resources are all very important and they need constant maintenance (Fiol

Deep Sea Fishing :: Personal Narrative Essays

Deep Sea Fishing Wow! I love going deep sea fishing on our boat. I was excited when my dad had asked me if I wanted to go this weekend. We departed that Saturday morning after almost a week of sheer anticipation, our destination, Port Canaveral, home of of some of the best fishing on the east coast of Florida. The sea is a very dangerous place when riled by a storm, even a mild one, so we always made sure the day would be at least close to perfect before we ventured out into the blue darkness of the open sea. My dad and I had seen the destruction careless boaters could get themselves into, and we did our best to avoid it. That Saturday, though, looked as if it were a perfect offshore fishing day. The sky was clear as glass, with a couple straggling cirrus clouds, but nothing worth paying attention to, and above that, the fish were supposedly hitting offshore. All-in-all, the long awaited perfect fishing day had come, at least in our minds it had. In the meantime, my dad backed the boat into the salty murky water as I got the boat ready for our day long journey. I set the navigation system to a favorite fishing spot of ours which was about twenty-five miles out called the Pelican Flats. We headed out on the gently, quiet, rolling blue monster's back as our twenty-two foot vessel handled the one to two foot ocean swells with sheer ease. Finally, after an hour long haul, and fifteen fishing minutes later, we ran into our first sign of action. "Fish on starboard!!" screamed my younger brother. "Fish on stern, grab 'em!", bellowed by dad from the steering wheel. Instinctly, my brother and I had quickly grabbed the poles as the line screamed off and the tips bent almost to the water. Soon enough, both of us had fish on, very large fish from the feel. About half an hour of sweat and a good workout, we finally got the fish to give up their fight for life. That was the first time we had ever encountered a double hook-up, which happens when two fish of a considerable size are hooked simultaneously, and it happened in less than fifteen minutes. We ended up fishing for about four more hours and landed an incredible number of large fish, and we wanted more. The three of us scanned the surface for more action, and found nothing of interest but what looked like a storm cloud moving towards us at an unknown velocity about

Dutch Revolt

1 Assignment 2 How significant was the Reformed faith for the success of the Dutch Revolt Essay plan My essay will begin with a chapter on when and why the revolt Started, and will then continue to explain and talk about the main participants in its continuance and then go on to talk about their individual beliefs and reasons for the revolts emergence and success. The Dutch revolt or the revolt of the Netherlands as it is also known as, started in 1566 and carried on until the early 17th century. The seventeen provinces of the Low Countries were acquired by the Hasburgs through marriage in 1477 but were still infested with independent lordships right up until the 17th century and were divided between German speaking Dutch in the north 2 East and French speaking Walloons (people from the area of modern day Belgium) in the south west. The reformation in the Netherlands was an international religious and political event with the seventeen provinces of the Low Countries against the ardent Catholics supported by Charles V and then his son Philip II of the Spanish Empire. The seventeen provinces soon jelled under the leadership of William prince of orange. William was born in 1533 and was raised as a Lutheran, when he was 11, and when his cousin died he inherited the title Prince of Orange, on the condition that he had a Roman Catholic education. He grew up and became a wealthy nobleman who originally served the Hasburgs as a member of the court of Margaret of Parma, the governor of the Spanish Netherlands who was the king’s representative due to the fact of being Charles V illegitimate daughter from a relationship with Johanna Maria Van der Gheynst. William held the position of the Stadholder (steward/ lieutenant). Having been raised as a Lutheran and later being educated in the 3 Catholic ways he grew dissatisfied at the persecution of the Protestants in the Netherlands. It was 1559 when he was given the position of Stadholder of the provinces of Holland and Utrecht, and his decision to oppose the king originated later in the same year when in the company of a couple of French noblemen he overheard about the plan to exterminate the protestants in both France and the Netherlands, and he decided he wanted, nothing to do with their slaughter. In August 1566 the uprising was bought about with a wave of beeldenstorm (iconoclasm) spread with the destruction of statues and religious images in hundreds of churches and monasteries across the Netherlands. The destruction of these statues and Catholic images were denounced as superstitious and unbiblical and the stained glass images were also seen as false teachings of the church (pp68 Block 2 The European Reformation). Margaret allowed influential noblemen including William to become more involved with the rebels in return for their help in quelling anymore destruction; she also granted some of the rebel’s wishes, which included suspending the heresy laws to enable a group of 4 petitioners to negotiate with Philip II, but in early 1567 it became clear she would not be allowed to fulfil her promises when the Duke of Alba was dispatched to the area to restore order. After his arrival the duke set up the council of troubles or known locally as the council of blood because of he 10,000 rebels called before the council for judgment and subsequently killed. William was one of these called up but he failed to show up, he was named as a rebel and had his lands and properties confiscated. Charles V was born in the Flemish city of Ghent in 1500. In 1506 he inherited his father’s Burgundian territories but because of his tender age his aunt Margaret acted as regent until 1515. From early on in 1 515 Charles had to deal with a rebellion from peasants, and after defeating them in 1523 he went on to extend the Burgundian territories. The European Inquisition executed their first Lutheran martyrs at Brussels in 1523, but private support for the new beliefs was more widespread than publically thought. In 1521 Charles called an assembly at worms in Germany to discuss Protestant Reformation. He called Martin Luther to appear before the assembly and to either renounce or reaffirm his views. 5 Luther Said â€Å"Unless I am convinced by the testimony of the scriptures or by clear reason (for I do not trust either in the pope or in councils alone, since it is well known that they have often erred and ontradicted themselves), I am bound by the scriptures I have quoted and my conscience is captive to the word of God. I cannot and will not recant anything, since it is neither safe nor right to go against conscience. May God help me. Amen. After the assembly Charles V made a decree (edict of worms) which stated â€Å" We forbid anyone from this time forward to dare, either by words or by deeds, to receive, defend, sustain, or favour the said Martin Luther. On the contrary we want him to be apprehended and punished as a notorious heretic, as he deserves, to be brought personally before us, or to be securely guarded until those who have captured him inform us, where upon we will order the appropriate manner of proceeding against the said Luther. Those who will help in his capture will be rewarded generously for 6 their good work†. It was the culmination of an ongoing struggle between Martin Luther and the Catholic Church. On his way back to Wittenburg after his meeting with Charles, William was picked up by soldiers of Frederick the Wise and escorted to Wartburg Castle for his own protection. Philip II became king of Spain and Lord of the low countries in 1556 when he took over from his father Charles V. Philips rule in the seventeen separate provinces known collectively as the Netherlands faced many difficulties including heavy taxation and the suppression of Protestantism; this led to warfare in 1568. In 1566, protestant preachers sparked anti-clerical riots known as the Iconoclast Fury; in response to growing heresy, the duke of Alba`s army went on the offensive which further alienated the local aristocracy. In 1584, William of Orange was assassinated by Balthasar Gerard, after Philip had offered a reward of 25,000 crowns to anyone who killed him, calling him a â€Å"pest on the whole of Christianity and the enemy of the human race†. 7 All of the key people involved with the revolt in the Netherlands had their own religious beliefs, and it was these beliefs which were instrumental in the uprising, from the catholic support of the Spanish royal family and the other established European rulers at the time, and the new believers such as Luther and Calvin who influenced William of Orange and other key rebels. The key figures in the new religious movement had such influence over the wronged peasants that they were able to be guaranteed of their support in whatever was asked of them including the revolt itself. (Word Count 1149) Bibliography Wallace, P. (The Long European Reformation). Grell, Ole Peter. O`Day, R. Laurence, A. Loftus, D. (The European Reformation), Block 2. The Open University, Milton Keynes.

Management Of Capital Adequacy In Indian Commercial Banks Finance Essay - Free Essay Example

Sample details Pages: 9 Words: 2627 Downloads: 4 Date added: 2017/06/26 Category Finance Essay Type Narrative essay Did you like this example? The banking system is a vital part and decides the progress of the nations economy. Banks play an important role in the mobilization and allocation of resources in an economy. The sound financial position of a bank is the guarantee not only to its depositors but equally important for the whole economy of the nation. Don’t waste time! Our writers will create an original "Management Of Capital Adequacy In Indian Commercial Banks Finance Essay" essay for you Create order Several committees have emphasized the need to improve the performance of the commercial banks. In India, the priorities in banking operations underwent far reaching changes since the banking sector reforms have been set in motion. In this paper, an effort has been made to evaluate the capital adequacy of the commercial banks in India with especial reference to the public sector, private sector and the foreign bank. The study is diagnostic and exploratory in nature and makes use of secondary data. The study finds and concludes that the above mentioned banks have significantly improved their capital adequacy norms. I. Introduction Capital adequacy is a mirror of the inner strength of a bank, which would stand it in good stead during the times of financial crisis. Capital adequacy may have a bearing on the overall performance of a bank, like setting up of new branches, fresh lending in high risk but profitable areas, manpower recruitment and diversification of business through subsidiaries or through specially designated branches, as the Reserve Bank of India (RBI) could think these operational dimensions to the banks capital adequacy achievement. As per the RBI norms, through its direction in 1992, whereby each bank in India was required to meet the capital adequacy standard of 8%, the norms were fixed on the basis of the recommendation of the Basel Committee. Many researchers like Tyagarajan, M. 1975, Chidambaram and Alemelu (1994), Kaur and Bhatia (1998), Padmanabhan, K.1998, Desai and Farmer (2001), Edirisuriya and Fang (2001), Mittal (2001), Reddy (2004), Mohanty (2006), Syed Ibrahim, M.2010 and Mohi- ud-Din Sangmi and Tabassum Nazir (2010) have attempted to make a contribution in the field. Among all these researchers, no one has attempted to make the study of capital adequacy analysis exclusively up to the years 2009. It is against this backdrop that the present study has been undertaken to fill up this gap. II. Statement of the Problem Bank capital plays a very crucial role in the safety and soundness of individual banks and the banking system. Basel Committee for Bank Supervision (BCBS) has prescribed a set of norms for the capital requirement for the banks in 1988 known as Basel Accord I. Basel Committee has revised the guidelines in the year 2001 known as Basel II norms. These norms ensure that capital should be adequate to absorb unexpected losses or risks involved. If there is higher risk, then it would be needed to back up with capital and vice versa. All the countries establish their own guidelines through their central banks for risk based capital framework known as capital adequacy norms. Hence, capital adequacy measures the strength of the bank. III. Objectives of the Study The primary objective of this study is to analyze the capital adequacy of public sector bank (State Bank of India); to analyze the capital adequacy of private sector (Bank of Rajasthan); to analyze the capital adequacy of foreign bank (ABN Amro Bank) ; and to suggest measures, on the basis of the study result, to improve further the capital adequacy of the banks under study. IV. Hypotheses of the Study Hypotheses framed for the study are as follows; There is no difference in performance of CAR among these three banks (Ho); There is difference in performance of CAR among these three banks (H1). V. Methodology of the Study Methodology describes the research route to be followed, the instruments to be used, universe and sample of the study for the data to be collected, the tools of analysis used and pattern of deducing conclusions. For the purpose of the present study, ratios are used to evaluate the capital adequacy of the three banks. As far as the sample of the study is concerned, three banks were selected. The first one is State Bank of India (SBI) representing the public sector banks, the second one is Bank of Rajasthan (BOR) representing the private sector banks and the third one is ABN Amro Bank representing the foreign banks operating in India. The present study is diagnostic and exploratory in nature and makes use of secondary data. The relevant secondary data has been collected mainly through the data bases of Reserve Bank of India (RBI), various reports and other studies. Journals such as the Banker and the Journal of Indian Institute of Bankers have also been referred to. An attempt has be en made in this paper to examine the capital adequacy of the above mentioned three banks. The study, as limitations, is confined only to the capital adequacy ratios, for the recent six years period starting from the year 2004 to the year 2009. In order to analyze the data and draw conclusions in this study, various statistical tools like Descriptive Statistics and ANOVA-Single Factor have been done using EXCEL and SPSS Software. VI. Analysis and Discussion 1. Capital Adequacy Ratios of Tier-I and Tier-II Capitals of State Bank of India For computation of the capital adequate ratio, capital is classified Tier-I and Tier-II capitals. Tier-I capital comprises the equity capital and free reserves, while Tier-II capital comprises subordinated debt of 5:7 year tenure. The capital adequacy ratios of the bank (SBI) under study are given in Table-1. Table-1. Capital Adequacy Ratios of Tire-I and II Capitals of SBI Years Tier-I Capital Tier-II Capital 2004 8.34 5.19 2005 8.04 4.41 2006 9.36 2.52 2007 8.01 4.33 2008 9.14 4.40 2009 9.38 4.87 Mean 8.711667 4.405 S.D. 0.653006 0.928152 C.V. (%) 7.49 21.65 Source: Databases of Reserve Bank of India, 2009. It is exhibited in the table 1 that CAR of the Tier-I capital of State Bank of India has been increased from 8.34% in 2004 to 9.38% in 2009. But the Tier-II capital of CAR has been declined from 5.19% in 20041 to 4.87% in 2009. Tier-I capital of the CAR is found to be more consis tent as its CV is less than that of Tier-II capital. Hence, it is concluded that SBI has been quite successful bank so far as its Tier I and II capitals are concerned. In order to test whether the Tier-I Capital of the State Bank of India has the linear relationship with the Tier-II Capital, the CORRELATION tool was performed. The results are furnished in Table-2. Column 1 Column 2 Column 1 1 Column 2 -0.38145 1 The Tier-I and II Capitals of the SBI is very strong negative correlation as the linear correlation co-efficient is -0.38145. 2. Capital Adequacy Ratios of Tier-I and Tier-II Capitals of Bank of Rajasthan The year-wise CAR of the Tier I and II capitals of the Bank of Rajasthan are furnished in Table-3. Table-3. Capital Adequacy Ratios of Tire I and II Capitals of BOR Years Tier-I Capital Tier-II Capital 2004 8.35 2.83 2005 7.84 4.91 2006 6.90 3.70 2007 6.62 4.70 2008 6.10 5.77 2009 6.19 5.31 Mean 7 4.536667 S.D. 0.91089 1.086088 C.V. (%) 13.01 23.94 Source: Databases of Reserve Bank of India, 2009. The analysis in table 3 reveals that the Tier-I and II capitals of the CAR have not been successful. The Tier-I capital ratio has been decreased from 8.35% in 2004 to 6.19% in 2009. Whereas, the Tier-II capital ratio of the Bank of Rajasthan have shown up from 2.83% in 2004 to 5.31% in 2009. Tier-I capital seems quite consistent as standard deviation being only 13.01%. 3 Capital Adequacy Ratios of Tier-I and Tier-II Capitals of ABN Amro Bank The year-wise CAR of the Tier I and II capitals of the ABN Amro Bank are presented in Table-4. Table-4. Capital Adequacy Ratios of Tier I and II Capitals of ABN Years Tier-I Capital Tier-II Capital 2004 11.49 1.99 2005 7.89 2.66 2006 7.18 3.26 2007 7.33 4.01 2008 7.24 5.68 2009 7.48 5.23 Mean 8.101667 3.805 S.D. 1.679255 1.448485 C.V. (%) 20.72 38.06 Source: Databases of Reserve Bank of India, 2009. It is exhibited in the table 4 that CAR of Tier I capital of the AMN Amro Bank has been decreased from 11.49% in 2004 to 7.48% in 2009. But Tier-II capital ratios have been steadily increased from 1.99% in 2004 to 5.23% in 2009. The year 2008 registered a higher rate. It is found that Tier-I capital ratio is more consistent as its CV (20.72%) is less than that of Tier-II capital ratio (38.06%). 4. Overall Capital Adequacy Ratios of SBI, BOR ABN Amro Bank Capital Adequacy Ratio (CAR) is the ratio which determines the capacity of a bank in terms of meeting the time liabilities and other risk such as credit risk, market risk, operational risk etc. It is a measure of how much capital is used to support the banks risk assets. Table-5 provides the CARs of the banks. Table-5 Capital Adequacy Ratios of the three banks Years SBI BOR ABN 2004 13.53 11.18 13.48 2005 12.45 12.75 10.55 2006 11.88 10.60 10.44 2007 12.34 11.32 11.34 2008 13.54 11.87 12.92 2009 14.25 11.50 12.66 Mean 12.99833 11.53667 11.89833 S.D. 0.908568 0.726104 1.294765 C.V. (%) 6.98 6.29 10.88 Source: Databases of Reserve Bank of India, 2009. Table 5 highlights the overall capital adequacy ratios of all the three sectors of banks. Both the public sector bank (SBI) and the private sector bank (BOR) have improved progressively but the foreign bank (A MN Amro. Bank) shows the unhealthy sign as it has been decreased from 13.48% in 2004 to 12.66% in 2009. Even though, CAR of SBI seems to be higher than that of other two banks in 2009, the BOR which seems quite consistent as the standard deviation being only 6.29. To test the differences in the CAR of the public sector bank (SBI), the private sector bank (BOR) and the foreign bank (ABN Amro Bank), Single Factor ANOVA has been performed. The Hypotheses framed are as follows: Ho: There is no difference in performance of overall CAR among these three banks; H1: There is difference in performance of overall CAR among these three banks. The test results are given in Table-6. Table-6 ANOVA-Single Factor. (CAR of SBI and BOR) SUMMARY Groups Count Sum Average Variance Column 1 6 77.99 12.99833 0.825497 Column 2 6 69.22 11.53667 0.527227 Column 3 6 71.39 11.89833 1.676417 ANOVA Source of Variation SS df MS F P-value F crit Between Groups 6.954544 2 3.477272 3.443821 0.058775 3.68232 Within Groups 15.1457 15 1.009713 Total 22.10024 17     The mean level of private sector bank- BOR, (11.53667) is less than that of other two sectors of banks namely foreign bank- ABN Amro (11.89833) and the public sector bank-SBI (12.99833). According to the test result, F=3.443821, with a critical value of. .05, the critical F=3.68232. Therefore, since the F statistic is less than the critical value, we fail to reject the null hypothesis that there is no difference in performance of CAR among theses three sectors of bank. VII. Findings and Suggestions The analysis and discussion in the proceeding pages reveal that the State Bank of India (SBI) ,being a public sector bank, has managed to do well in relation to the Tier-I and Tier-I capitals. It was found that there is no significant association between the Tier-I and Tier-II capitals of SBI. As far as the Tier-I and Tier-II capitals of the Bank of Rajasthan, being a private sector bank and the ABN Amro Bank, being a foreign bank is concerned, they have not shown significant performance. The performance of BOR and ABN Amro have been just the opposite as that of the SBI. Regarding the overall Capital Adequacy Ratio (CAR), the SBI registered increased percentage especially in the year 2007 and after. But, compared to SBI and foreign bank of ABN Amro, the Bank of Rajasthan seems quite consistent. It was also found that there is no significant difference in performance of CAR among these three sectors of banks. As far as the CAR is concerned, the managements of both the Bank of Rajasthan and ABN Amro Bank needs to increase the level of Tier-I and II capitals so that these banks could be at-par with the performance of capital adequacy of the SBI. VIII. Conclusion Banks have to disclose Tier-I and II capitals under disclosure norms in the balance sheet. They also have to submit a report on capital funds, conversion of on and off balance sheet items, calculation of risk weighted assets and capital to risk asset ratio. Under Basel II norms the prescribed capital adequacy norms in the case of scheduled commercial banks should be9%; for new private sector banks and the banks undertaking, the insurance business should be 10%. The higher the capital adequacy ratio (CAR), the stronger is the bank. However, a very high CAR indicates that the bank is conservative and has not utilized the full potential of its both the capitals. So far as CAR is concerned, all the three sectors of bank have managed their capital adequacy ratio well above the minimum standard 10% fixed by the Reserve bank of India (RBI). IX. Scope for Further Research Capital Adequacy ratio (CAR) is a ratio that regulators in the banking system use to watch banks health, specifically banks capital to its risk. Regulators in most countries define and monitor CAR to protect depositors, thereby maintaining confidence in the banking system. This research paper and its findings may be of considerable use to banking institutions, policy makers and to academic researchers in the area of banking performance evaluation with special reference to capital adequacy. X. References Avkiran, N.K. 1999. The Evidence of Efficiency Gains: The Role of Mergers and the Benefits to the Public. Journal of Banking and Finance, Vol. 23, 991-1013. 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