The Evolution of Ichthyosaurs- Large Aquatic Reptiles Essay -- Anthrop

The Evolution of Ichthyosaurs- Large Aquatic Reptiles In the beforehand(predicate) 1800s, a new disco very that left paleontologists in awe was the fogy finding of the immeasurable amount of species of reptiles, Ichthyosaurs. Greek for fish lizards, these fossils were found all over the world. Because these large aquatic reptiles migrated just as whales do today, paleontologists have had the astound advantage of collecting fascinating bone fragments throughout the past 177 years. Ichthyosaurs swam the ocean life from about 245 million until about 90 million years ago- virtually the same time dinosaurs ruled the land. The earliest Ichthyosaur fossil findings were in parts of Canada, China, Japan, and possibly Thailand. Countless fossils came from coatings of limestone produced out of the ocean-floor ooze that was predominantly superior at preserving very well facts of the creatures it digested (Perkins 2). Andrea Fildani and Michael Shultz, graduate students in the Department o f Geological and Environmental Sciences, uncovered the bones of an Ichthyosaur near the southernmost tip of Chilean Patagonia. These rock layers were initially deposited at the floor of an ocean more than 100 million years ago. In their findings of the Chilean boulder, they were fortunate enough to find 17 vertebrae along with neural arches that arm the spinal cord as well as some ribs. Paleontologists firmly agreed with Fildanis notion that the bones had been 8 to 9 feet long and had existed somewhat 140 million years ago (Mason 1). As time progressed, Ichthyosaurs transitioned their body like features from a lizard-shaped body plan to a fish-shaped one through the early and middle Triassic periods. In 1927, the first bone fragments were foun... ...tyles in Jurassic ichthyosaurs. Journal of Vertebrae Paleontology 21 (No. 1) 61-73.Mason, Betsy. Ichthyosaur find may challenge notions about past migrations. Stanford Report.com 7 February 2003. 20 March 2004. http//newsservice.st anford.edu/news/2003/february12/ichthyosaur-25.htmlMotani, Ryosuke. Rulers of the Jurassic Seas. ScientificAmerican.com 19 December 2000. 22 March 2004.Perkins, Sid. Sea Dragons. Science News Online 162 (No. 8) 1-11. 24 Aug. 2002.Pickrell, John. Ichthyosaurs Turtle Supper Causes Extinction Debate. National Geographic News.com 5 August 2003. 22 March 2004.

The Cycles of International Conflict Essay -- International Conflict

Wars have been waged for decades creating the world we live in today. Charles Tilly observed, the farming make war and war made the state (qtd in Sernau, 2009, 147). How ever, these battles have been destructive and bloody resulting in the deaths of countless individuals. These grave consequences lead us to ask the ever problematic question, what could possibly motivate a state to engage in warfare? Fundamentally, some believe war is linked to a conflict of policy-making and economic interests rooted in power struggles ranging from territorial and humanitarian to ideological and ethnic while others argue that war has become ingrained in our societies and economies resulting in this tenacious cycle of confrontation.Territories are the bases of states. Accordingly, Joshua Goldstein and Jon Pevehouse explain that Most of todays borders are the result of past wars (in which winners took territory from losers) or were imposed arbitrarily by colonizers (Goldstein and Pevehouse, 2009, 25 ). Territory is precious to states and is rarely yielded voluntarily for any incentive and lost territory is not quickly forgotten (Goldstein and Pevehouse, 2009, 133). For example, disputes were the consequences of the collapse of the Ottoman Empire subsequently World War I and the Middle Eastern region being colonized by England and France through the Sykes Picot agreement (Singh, 2003). Eventually these colonies gained their freedom but several(prenominal) territory disputes arose the most prominent being the Israeli-Palestinian conflict linked to the Oslo Accords (Singh, 2003). The concept of irredentism which is The goal of regaining territory lost to another state (Goldstein and Pevehouse, 2009, 133) is a problematic result of this dispute with Palestinians belie... ...tions. Bint Jbeil. 1993. Web. 9 Apr. 2012. .Kent, John. Cold War and the Periphery. History in Focus. Institute of Historical Research, 2006. Web. 9 Apr. 2012. .Nikitin, Alexander. Political and Economic Caus es of War. Proc. of fiftieth Pugwash Conference On Science and World Affairs Eliminating the Causes of War, Queens College, Cambridge. 2000. Print.Sanchez, Peter. Class Lecture. International Politics. Loyola University, Chicago, IL. 26 Mar 2012. Sernau, Scott. Global Problems The Search for Equity, Peace, and Sustainability. Boston Pearson/Allyn and Bacon, 2009. Print.Singh, K. G. Treating the Symptoms Instead of the Cause. Asia Times Online. 31 July 2003. Web. 5 Apr. 2012. .

CArloos Santana :: essays research papers

Carlos Santana Ryan Conroy All the world knows the special magic of Carlos Santana. Since 1966, he has take the group that bears his name, selling over 30 million albums and performing before an estimated 13 million people. In every performance, Carlos shares with his audience a personal discourse that crosses all boundaries and differences. Carlos was introduced to traditional music by his father, Jose. An accomplished mariachi violinist and experienced musician, he taught Carlos the basics of music theory and gave him an understanding of the value of a note. Although Carlos upthrust for music would be sparked by his first experience, he quickly discovered the limits of its traditional form and wanted more. Carlos wanted to play the kind of music that was cream the radio waves and making people dance. Tijuana, 1955 the drastic change of moving from the small, quiet town of Autlan to the humming, thriving boom town of Tijuana brought a renewed hope and chance for a new life. Bo th for Carlos and his family. The eight-year old Carlos quickly left the violin for the guitar, studying and emulating the sounds of B.B. King, T-Bone Walker and John Lee Hooker. Soon he was being asked to trade union local bands like the T.J.s, where he added a unique touch and feel to his own renditions of all the great songs of the 1950s. As he continued to play with incompatible bands along the busy Tijuana Strip, he not Page Two only started to perfect his style and sound, but actually started bringing home enough specie to really help his family. His future looked promising. In 1960, Carlos family moved to San Francisco while Carlos stayed in Tijuana for another year to make extra money until his family was settled. However, he soon ground himself amid the multicultural atmosphere of San Francisco, with all of its diverse musical styles. It was here that Carlos would find what he had been searching for, as if destiny had brought him to the full place at the right time. Fo r the next five years, Carlos continued to evolve his own unique style of music that would later identify him as one of the most distinctive, innovative musicians of our time. In 1966, the music of Carlos Santana exploded on the streets of San Francisco with the debut performance of the Santana Blues Band. For the next two years, the Santana Blues Band was overwelmed by a wave of popularity that would take them from San Franciscos Fillmore West, to that historical performance in 1969 before 500,000 at the Woodstock Festival in New York.

Case Study on Coke versus Pepsi Essay -- Business, Marketing

The case study Cola Wars Continue Coke and Pepsi in the Twenty-First Century focuses on describing Coke and Pepsi within the CSD perseverance by providing detailed statements about the companies accounts and strategies to increase their market share. Furthermore, the case also focuses on the Coke vs. Pepsi goods which target similar groups of costumers, and how these companies have had and still have swell reputation and continue to take risks due to their high capital. This analysis of the Cola Wars Continue case study will focus mainly on the lucrativeness of the industry by carefully considering and analyzing the below questions Why is the soft soak up industry so paid?Compare the economics of the concentrate production line to the bottling business Why is the profitability so different?How has the competition between Coke and Pepsi affected the industrys salary?Can Coke and Pepsi sustain their profits in the wake of flattening demand and the growing popularity of non- carbonated drinks?The soft drink industry is a highly profitable industry and its success is due to the large usage of non-alcoholic beverages through which both concentrate producers and bottlers are profitable. Given the U.S. Industry consumption Statistics, Exhibit 1, it is clear that, after deducting beer and wine, soft drinks account for about 90 % of the numerate liquid consumption, while Coke and Pepsi account for about 75 % of the soft drink industry. The high consumption of CSDs is related to the soft drink industry change to consumers through five principal channels food stores, convenience stores, vending, fountain and other. Out of the five channels the case describes vending as the most profitable channel for the soft drink... ...e and Pepsis already established image as producers of premium product is key to discouraging other companies from entering the soft drink industry. However, as the market in the U.S has leveled off, they should continue to invest glob ally in marketing and advertising for further profit growth, which will in turn positively influence their well established brands to further increase soft drink sales and profits. The marketing campaigns must be tailored to meet the foreign markets demands, by respecting the consumers culture and flavor preferences. Furthermore, in the foreign markets the topical anesthetic brands must not be underestimated as these present high competition for Coke and Pepsi, therefore in order for the kings of the soft drink industry to expand their reign globally they must partner with the local soft drink firms and customize soft drinks with local tastes.

England vs. Spain vs. France for Control of New World Essay -- essays

The early bird gets the worm, alone the second mouse gets the cheese. Of the three major colonizers who vied for control of North America from the 15th to 17th centuries, it was the early-bird Spanish who got the worm, but after all was said and done, it was England who got the more desirable cheese. After 1763, the English had control of all land east of the Mississippi river and virtually all of present-day(prenominal) Canada. The English were able to gain the upper hand in the conflict for control of North America not only because of military victories, but as well because of good timing.The English victory over the Spanish Armada marked the beginning of the British naval dominance in the Atlantic. England and Spain had been enjoying a peaceful relationship throughout the early 15th century. However, the relations turned sour after the Spanish backstabbed an English fleet, led by a British sailor named Francis Drake at the Spanish port of San Juan de Ulua in 1568. Drake, privately encouraged by Queen Elizabeth of England, began pirating the Spanish riches for England from the Caribbean and all along the Spanish held coasts of Latin America. King Philip of Spain, already gross out by the religious practices of Englands royalty, began scheming for a plan to invade Britain. He sent 130 large vessels, meant to carry soldiers, to the English Channel. The at once intellection Invincible Armada was annihilated by Englands smaller, more maneuverable and better armed crafts. While the surviving Spanish ships were retreating back home, a rare phratry storm devastated the already diminished fleet. With a large chunk of their navy destroyed, Spain did not have enough ships or manpower to control their vast empire. Slowly, their once might... ...rth American domination, now held the entire continent, with the exceptions of Florida, Mexico, and the Californian coast, which still were the possessions of Spain. England had won the struggle for North Ame rican dominance. England won the European struggle for control of America because of their by the way military victories along with a people who, at that time, were ready to expand their horizons. They defeated the Spanish Armada when and where Spain was most vulnerable. This coincided with the fact that the English people, of high and low stature, requisite a new place to go while recent technological advancements made it possible for them to get there. Once there, the British were able to protect their let colony while also securing more land for the English Crown. Spain definitely got the worm, France sprung the mousetrap, and England got the cheese.

England vs. Spain vs. France for Control of New World Essay -- essays

The early bird gets the worm, but the second mouse gets the cheese. Of the three major colonizers who vied for control of North America from the fifteenth to 17th centuries, it was the early-bird Spanish who got the worm, but after all was said and done, it was England who got the more desirable cheese. After 1763, the position had control of all land east of the disseminated multiple sclerosis river and virtually all of present-day Canada. The English were able to gain the upper hand in the conflict for control of North America not moreover because of military victories, but also because of good timing.The English victory over the Spanish Armada marked the beginning of the British naval dominance in the Atlantic. England and Spain had been enjoying a peaceful relationship throughout the early 15th century. However, the relations turned sour after the Spanish standstabbed an English fleet, led by a British sailor named Francis Drake at the Spanish port of San Juan de Ulua in 1568. Drake, privately encouraged by Queen Elizabeth of England, began pirating the Spanish riches for England from the Caribbean and all along the Spanish held coasts of Latin America. King Philip of Spain, already disgusted by the religious practices of Englands royalty, began scheming for a plan to invade Britain. He sent 130 large vessels, meant to buy in soldiers, to the English Channel. The once thought Invincible Armada was annihilated by Englands smaller, more maneuverable and better armed crafts. While the surviving Spanish ships were retreating back home, a rare September storm devastated the already diminished fleet. With a large chunk of their navy destroyed, Spain did not have enough ships or men to control their vast empire. Slowly, their once might... ...rth American domination, now held the entire continent, with the exceptions of Florida, Mexico, and the Californian coast, which still were the possessions of Spain. England had won the fight back for Nor th American dominance. England won the European struggle for control of America because of their timely military victories along with a people who, at that time, were ready to expand their horizons. They defeated the Spanish Armada when and where Spain was most vulnerable. This coincided with the fact that the English people, of high and low stature, needed a new place to go while recent technological advancements made it possible for them to get there. Once there, the British were able to protect their own colony while also securing more land for the English Crown. Spain definitely got the worm, France sprung the mousetrap, and England got the cheese.

Yum Brands

Porters 5 Forces Model is a valuable tool in evaluating the condition of the Yum Brands china office and the fast-food manufacture that Yum Brands is actively dominating. While on that point is much competition in China in the food pains, it is undeniable that with the CEOs guidance, Sam Su, the growth that they crap execute over the years is exponential. This growth is due to the fact that Su looks at the bigger picture, imaging what he wants the company to be the likes of in louver to ecstasy years, and do that dream happen immediately.Porter shaped this strategy to give a thorough analysis of the condition of any given industry and locate the feasibility of entering, but also to determine the level of competition being dealt with by current established participants in the industry in order to bump themselves for kick upstairs growth and evolvement. Thus, Porter gives the 5 Basic Competitive Forces and suggests analyzing each one in the scope of the industry. 1. Barr iers to Entry In Chinas fast-food industry, mostly prevail by Yum Brands, the barriers to inlet be high due to several key factors. First, a company trying to break into the YumBrands market must manage with their restaurants, Kentucky fry Chicken, Pizza Hut, Taco Bell, which have a combined total of over 3600 stores in their market. Economies of scale come into play because most fast-food companies have the capital and return abilities to produce their product and additional products for much cheaper than a beginning fast-food restaurant that is entering into the market. A major factor in the Yum Brands China Division and the fast-food industry in China is now differentiation and the altering of the product is order to suit the Chinese peoples tastes rather than Americans tastes.The restaurants in the market atomic number 18 attempting to find new ways to appeal to consumers without drifting away from their key products who have brought them lots of success. For example, c ompared to Americans, Chinese people like spicier things and a much variety of things, so Yum Brands decided to extend each menu and alter recipes to fit this requirement. The recent, rapid growth of the fast-food industry in China is a good area of focus for existing American fast-food companies wanting to expand their business, but the product must be easily altered to start the Chinese peoples likes and to have resistance to competing restaurants.Another barrier to entry could potentially branch from the government to control health standards. Companies must invest in research and development to determine ways to address health concerns and tabulate a healthier product. Ultimately, Yum Brands in China have dominated the market constituent and are making it difficult for new entrant to expect a profitable gain upon entry. However, in order for Yum Brands to continue their success steady innovating and investment funds choose to be accomplished in order to stay ahead in the in dustry. 2. RivalryIn this industry, the competition is rigorous and several large companies hold majority of the market. The barriers to entry are very easy, which in turn means many competitors. Yum Brands main competitors are McDonalds Corp, Burger King Holdings, Subway, Dairy Queen, Starbucks, and Papa Johns Intl (PIZZA). though there may be many competitors, economies of scale can cause smaller competitors to get crowded out or bought out by a large company. Yum Brands have to continually be competitive and shift their strategy in response to other companies new ideas and business strategies.Yum Brands restaurants had to develop more menu specific items and a wider variety to tap into the Chinese food market. This also allowed them to stay one step ahead of competitors such as McDonalds. In 1987, Yum Brands opened the first KFC in Beijing and since then, have built the largest restaurant company in mainland China due to the large population growth. It is a expensive market to enter and once in it, a company needs to realize at least their fixed costs before exiting, making Yum Brands restaurants correct more dominate in the market.Yum BrandsPorters 5 Forces Model is a valuable tool in evaluating the condition of the Yum Brands China Division and the fast-food industry that Yum Brands is actively dominating. While there is much competition in China in the food industry, it is undeniable that with the CEOs guidance, Sam Su, the growth that they have accomplished over the years is exponential. This growth is due to the fact that Su looks at the bigger picture, imaging what he wants the company to be like in five to ten years, and making that dream happen immediately.Porter shaped this strategy to give a thorough analysis of the condition of any given industry and determine the feasibility of entering, but also to determine the level of competition being dealt with by current established participants in the industry in order to reposition themselves for fur ther growth and development. Thus, Porter gives the 5 Basic Competitive Forces and suggests analyzing each one in the scope of the industry. 1. Barriers to Entry In Chinas fast-food industry, largely dominated by Yum Brands, the barriers to entry are high due to several key factors. First, a company trying to break into the YumBrands market must compete with their restaurants, Kentucky Fried Chicken, Pizza Hut, Taco Bell, which have a combined total of over 3600 stores in their market. Economies of scale come into play because most fast-food companies have the capital and production abilities to produce their product and additional products for much cheaper than a beginning fast-food restaurant that is entering into the market. A major factor in the Yum Brands China Division and the fast-food industry in China is now differentiation and the altering of the product is order to suit the Chinese peoples tastes rather than Americans tastes.The restaurants in the market are attempting to find new ways to appeal to consumers without drifting away from their key products who have brought them lots of success. For example, compared to Americans, Chinese people like spicier things and a more variety of things, so Yum Brands decided to extend each menu and alter recipes to fit this requirement. The recent, rapid growth of the fast-food industry in China is a good area of focus for existing American fast-food companies wanting to expand their business, but the product must be easily altered to catch the Chinese peoples likes and to have resistance to competing restaurants.Another barrier to entry could potentially branch from the government to control health standards. Companies must invest in research and development to determine ways to address health concerns and tabulate a healthier product. Ultimately, Yum Brands in China have dominated the market share and are making it difficult for new entrant to expect a profitable gain upon entry. However, in order for Yum Bran ds to continue their success steady innovating and investing need to be accomplished in order to stay ahead in the industry. 2. RivalryIn this industry, the competition is rigorous and several large companies hold majority of the market. The barriers to entry are very easy, which in turn means many competitors. Yum Brands main competitors are McDonalds Corp, Burger King Holdings, Subway, Dairy Queen, Starbucks, and Papa Johns Intl (PIZZA). Though there may be many competitors, economies of scale can cause smaller competitors to get crowded out or bought out by a larger company. Yum Brands have to continually be competitive and shift their strategy in response to other companies new ideas and business strategies.Yum Brands restaurants had to develop more menu specific items and a wider variety to tap into the Chinese food market. This also allowed them to stay one step ahead of competitors such as McDonalds. In 1987, Yum Brands opened the first KFC in Beijing and since then, have bui lt the largest restaurant company in mainland China due to the large population growth. It is a costly market to enter and once in it, a company needs to realize at least their fixed costs before exiting, making Yum Brands restaurants even more dominate in the market.

Open Burning

Open burning Is the burning of unwanted materials such as paper, trees, brush, leaves, grass, and other debris, where smoke and other emissions be released directly into the manner without passing through a chimney or stack. Open burning also includes incineration devices that do not control the combustion air to maintain an adequate temperature and do not provide sufficient residence time for complete combustion.Open burning pollutes the air and poses a fire hazard. The air befoulment created by open burning can irritate eyes and lungs, obscure visibility, soil nearby surfaces, create annoying odors, and are a danger to those with respiratory conditions. Alternatives (car eminence) 1) Compose compost (butt Baja) Instead of burning them (the garbage) clippings can be turned into food for your garden or houseplants. 2) Recycle Leaves and grass process erstwhile(a)/ utilise materials (e. G. Per, metal, plastic, etcetera into new product. 3) Craft (Kara tango) use old material a nd create something useful 4) Reduce Less stuff used, less stuff need to be burnt Look for Items with less packaging Buy items in packaging that can be reused or recycled 5) Reuse Reuse everything can be reused (bottle, can, etc) Donate old clothes, shoes, books, appliance, electronics, furniture and toys to charity. Carry a coffee mug with you instead of disposable cups.Bring your own cloth bag to the store or reuse plastic bags. 6) Landfill (attempt lean sampan) Items that cannot be reused or recycled should be taken to the landfill. Open Burning Outcomes 1) Alarm pollution 2) Foggy Rebus) 3) Hazardous/ poisonous air/smoke from the burning of pesticides, detergent, etc. 4) Danger of explosion 5) Can result in uncontrollable burning (forest burning, house on fire, etc) 6) Can danger human being as intimately as animals

The Potential Market for Apple Ipad in the Uk

The Potential Market for Apple iPad in the UK Table of contents 1. 0Introduction3 2. 0Creative thinking3 3. 0Recommendations for successfully merchandising iPad in the UK3 4. 0Conclusion4 References5 1. 0 Introduction After iSlate and iGuide, iPad as another tablet-shaped computer was launched by Apple. The various applications of the iPad are very attractive for customers, but it also has roughly shortcomings including high price and the same user interface as i ring. The company prepares to set foot in the UK trade. The purpose of this report is to identify how the iPad can be successfully marketed in the UK.Firstly, the main body of the report exit briefly introduce creative thinking. Then, it will present the approaches for marketing iPad in the UK successfully. After that, it will make a conclusion in a few intelligence operations. 2. 0 Creative thinking Creative thinking plays a significant part in constantly increasing the amounts of human intimacy, improving perceptivit y of human being, as well as opening up invigorated situation for practice. Creativity is the posterior for generating concept which is favorable to improve organizational competitiveness in the marketplace (Amabile, et al, 1996).It can be seen that creative thinking plays a significant role in the success or failure of new product or renovations in the market. Innovation can be driven by leadership, people management, knowledge management, and creativity management (Prajogo and Ahmed, 2006). The sources of creativity and innovation are people including customers, specialists, groups and teams, as well as individuals. Apple can be regarded as an innovative firm. Its innovation capacity comes from innovative chief executive. How to market its products creatively is very crucial for the success of product sales, which ill be discussed in the next section. 3. 0 Recommendations for successfully marketing iPad in the UK Marketing is the root for the survival and development of an org anization. Over time, a large number of marketing approaches come to the market, including intercourseship marketing, direct marketing, service marketing, internet marketing, international marketing and brand marketing and so on. Successful product marketing should attach much sizeableness to many aspects such as market demand, customer preference, price, and marketing mix and etc.The following paragraphs will suggest ways how the iPad can be marketed successfully in the UK. In order to successfully marketing product or services in a new market, the first and most most-valuable thing for an organization to do is market research. In this way, the organization can better meet customer demands and preferences by analyzing market researching findings. In general, market research consists of four steps, that is, gathering the data, integrating the evidence, unraveling the insight, and telling the flooring (Rawlinson, 1970).It is known that iPhone has obtained remarkable success in th e market. Owing to this, iPad has already employed the iPhone-style user interface (Johnson and Arthur, 2010). It is apparently that iPad is not creative in this aspect as a result of passive consumption. For successfully marketing, the company must attempt to persuade consumers to accept the uncommonness of the product. The key lies in how to promote its advantages overwhelming its advantages. As a whole, the company must explain clearly about the creation of the product so as to attract the attention of consumers.Otherwise, the marketing of the iPad will suffer from the check mark or even resistance from consumers. In the next place, marketing strategy is one of important factors to help the organization to remain invincible in the increasingly dramatic market competition. The iPad can provide numerous applications for customers but not only limited to web browsing, email and reading e-books (Johnson and Arthur, 2010). At the beginning, Apple did not make a price for iPad in the UK market. However, according to the surveys, a great many customers in theUK reveal that iPad is excessively expensive (Harvey, 2010). It can be seen that apostrophize is a key factor to determine if iPad can be successfully marketed in the UK. On one hand, the company should employ appropriately pricing strategy. price strategies include skimming, market pricing and penetration pricing (Sutton-Brady and Beal, 2008). It is obviously that the UK is a new potential market for Apple. The key for the survival of the company in the new market is to stimulate market and capture market share. For this reason, penetration pricing strategy should be adopted by the company.On the other hand, the company should attempt to make out cost as much as possible by all means. The last but not the least, promotional methods are also of great importance to the sales of products. Traditional promotional mix mainly includes the elements such as advertising, personnel selling, direct marketing, sales p romotion, and public relation. Among them, advertising is an important tool for marketing at any time. Both mature and blind consumers will be guided by the advertisement. Whats more, the returns from advertising are also impressive at short notice.In addition, public relation makes great contribution to corporate image and marketing. However, with the development of media technology, the promotional mix is taking place great changes. Moreover, the communication has already gone through four ages from interruption, entertainment, engagement to dialogue. From this aspect, it can be said that the iPad has already done a good job for media in different sectors including issue and publishing, television, and advertising (Arthur, Anderson and Sweney, 2010). It has satisfied the customer demands on entertainment and engagement.According to the statistics, 70% of the content of the web will be user generated until 2010 (Daugherty, Eastin and Bright, 2008). From this, it can be seen that i t is very important for an organization to interact with customers. For this reason, customer engagement and interaction should be embodied in every link of marketing. The advertising ideas of iPad will be multiplatform rather than the prominent TV campaign mentality furthermore, it will develop creative advertising ideas by a spectrum of consumer engagement (Arthur, Anderson and Sweney, 2010).From the perspective of public relation, traditional public relation messaging techniques may not be perceived as authentic any more. On the contrary, the company should regard user reviews and comments as the new word of mouth. Their messages will become the critical factors to improve the leadership of Apple in the UK market. 4. 0 Conclusion To sum up, marketing is extremely important for the development and working out of an organization. The report has firstly introduced a little about creative thinking. Then, it has demonstrated how the iPad can be successfully marketed in the UK.Firs tly, the company needs to conduct market research and make correspondingly responses by market analysis. Secondly, the company is necessary to formulate appropriately pricing strategy. Thirdly, the company must focus on the interaction with customers in the age of media technology. The iPad can be marketed successfully by effective market reaction, correct pricing strategy, as well as frequent interaction with consumers. References Amabile, T. et al, (1996) Assessing the work environment for creativity, Academy of Management Journal, 39 (5) 1154-1184. Arthur, C. Anderson, K. and Sweney, M. (2010) A Good Job for Media, http//www. guardian. co. uk/media/2010/feb/01/ipad-imapact-on-media, Date accessed on June 8, 2010. Daugherty, T. , Eastin, M. S. and Bright, L. (2008) Exploring Consumer Motivations for Creating User-Generated Content, Journal of Interactive Advertising, 8(2) 1-24. Harvey, M. (2010) British Buyers will support More for iPad, but Critics Say Wait, http//business. time sonline. co. uk/tol/business/industry_sectors/technology/article7119823. ece, Date accessed on June 8, 2010. Johnson, B. and Arthur, C. 2010) Apple iPad The Wait is over but is it Future of Media or Oversized Phone? http//www. guardian. co. uk/technology/2010/jan/27/apple-ipad-tablet-computer-k indle, Date accessed on June 8, 2010. Prajogo, D. I. and Ahmed, P. K. (2006) Relationship between Innovation Stimulus, Innovation Capacity, and Innovation Performance, R&D Management, 36(5) 499-515. Rawlinson, J. G. (1970) Creative Thinking and Brainstorming, London British Institute of Management. Sutton-Brady, C. and Beal, T. (2008) International Marketing, South Melbourne, Vic Thomson Learning Australia.

Smart Kids

Will you ever find a star quarterback on the towering drill tump over team, Chess Club, or any other academic team that would place him as a nerd? According to Grant Penrod and his essay Anti-Intellectualism Why We abominate Smart Kids this would probably not happen (Bullock,691). You can be a jock, but you cant be a nerd at the corresponding time. The winning football team always goes down in history, but the winning academic teams argon never remembered. Thinking back to high school you can see billboards of the football team winning state, but not for the state brain-bowl winners.Social destruction is possible for those who show too much intelligence. Geek, Nerd, or postgraduate Achiever no matter the name given they are doomed for destruction in the social world. The intellectual student bears a mark on him/her for social pitfall especially in high school. Sometimes this may happen in the early elementary years. They are usually targeted on websites and blogs left out of s ocial events. Take the blog excerpt from Talking-Cock. com Man how I hate nerds. if I ever had a tommygun with meI would most probably scourge each one of their heads off. (Bullock,691) There are other websites that talk about test score postings, and dont these people referencing nerds and geeks have a life. This daughter conception is partly due to the un-intelligent thinking that all smart people do is study. Failing to realize that the intelligent people are the ones that help dismiss the world along this miss conception it actually leaves the un-intelligent out. The media places celebrities and other public figures without a strong education in the limelight, which is harmful to our youths minds.This typesetters case of high regards for nearone lacking good education, further promotes the way guild treats those that are educated. If you take a young high school student who has some athletic ability chances of him/her pursuing the highest academic achievements are less tha n them going after that athletic win. A choir student may go for the capital of Tennessee break instead of pursuing a degree in school. Displaying celebrities lives and their income only encourages young minds to seek other ways of living without getting educated.A website that demonstrates this is Angelfire. com it promotes famous high school dropouts like Christian Aguilera, Kid Rock, L. L. Cool J and Sammy Sosa. (Bullock,693) Some people have no regards for the intelligence that lead them to where we are in society today. People would rather choose to be rich than to have some means of keeping their wealth. Ignoring that intelligent people are the ones that helped make the progress of the world, and because they are forgotten this is why many individuals do not finish their education.The anti-intelligent want to blame the media, but in all reality it is the common everyday psyche who is to blame for ostracizing the intelligent. The following is a poem that was written and appear ed on TeenMag. com and illustrates the feelings of a nerd that has been out casted. My loud and bitter screams arent being heard No one is there to hear them or to care They do not come cuz Im a nerd Dealing with this pain is a lot to bear. (Casey F. )Society as a whole needs to take a step back and realize who got us to where we are today how we got to where we are today. nimble people need to be given the due credit for their works in society and not shunned away. Grant Penrods Essay Anti-Intellectualism Why We abominate Smart the Kids is very clear on the devastating social destruction of those that are smart. Works Cited Bullock, Richard, and Maureen Daly Goggin. The Norton Field Guide To Writing. New York W. W. Norton & Company, 2010.

Compare the Ways in Which Larkin and Abse Write About Settings in Their Poems. Essay

Compare the ways in which Larkin and Abse write about settings in their meters. In your response you must include detailed critical discussion of at least two of Larkins poems.In Mr Bleaney Larkin explores the setting of an old house, still incessantly present with the spirit and legacy of its last house physician. Setting is presented as impressionable on its inhabitant, restricting and institutionalising their lives. Similarly, Abses poem departure Cardiff as well displays themes regarding setting big you an identity, which is defined by one place, leaving the office institutionalised. Regarding setting, another of Larkins poems The Whitsun Weddings also supports the theme of settings being very impressionable. However, like Leaving Cardiff, this particular proposition poem hints at settings also contri justing to a disappointing, anticlimactic and overrated move arounding.In Mr Bleaney Larkin presents setting as an extremely reclusive place which has an everlasting and ov erpowering effect on the persona, making him very agoraphobic. The repetitive and constant ABAB rhyme scheme throughout this poem hints at the continual and dull life the persona leads, being laboured to live a constant, boring life sculpted by Mr Bleaneys previous existence. The lexis stayed also reiterates the lack of ambition the persona feels towards being any diametrical to Mr Bleaney. The previous occupant Mr Bleaney relied on his house the whole time, and the persona is starting to behave similarly. The end of the poem I dont k at one time., end with a caesura displaying irony, is a powerful ending which is the personas way of justifying superiority or difference, and the irony that he is actually like Mr Bleaney, a reclusive and restrictive man. The nonliteral use of pathetic fallacy frigid wind is hinting at the outside world trying to torpon the previous occupant to come outside more frequently, but due to his contentment with confinement, he chose never to.That how we live measures our own nature is examineing how home sculpts you to how you are and your life is evaluated based on your home. Therefore, the previous occupant Mr Bleaney is leaving an everlasting impression on his home, rubbing of onto the way the persona lives his life. In addition, the lexis home is used when describing this particular setting. On the whole, this prison like venue isquite the opposite of a homely environment and the irony is that evidently the setting in this poem is more like a hired concussion, hinting at a coffin like atmosphere created within the home. On the whole, the setting in this poem is not described very positively, and the persona should definitely not be happy within the confinement of an everlasting, dominant presence overshadowing the joy of life through obsession with imprisonment.Similarly, Abses poem Leaving Cardiff also hints at setting being accountable for your identity. Can I be the same man twice is a prime example of setting, in this p oem Cardiff, defying your distinctiveness. The persona within this poem is reflecting on how Cardiff once distinctively defined who he was, and now he is leaving, he will never be the same person that Cardiff once moulded him into. To show the persona and the setting are strongly linked with a bond, the metaphorical usage of pathetic fallacy knots of piss flow is hinting at the emotional response that Cardiff has on the persona, linking them together strongly and showing how dominant setting is in his life. In addition, the materialistic use of now the funnels negations blow shows how Cardiff was dominant in every aspect of the personas life. Due to funnels blowing out rings of smoke, they are metaphorically signifying the repetitious and vicious circles the persona will introduce in always being linked to Cardiff, bringing him back to where he started. Also, the rings of smoke signify the emptiness within his life, and how once he leaves Cardiff a segment of his identity will be left behind.Alternatively, setting in Larkins The Whitsun Weddings is predominantly described through a jaunt on a train, contributing to the disappointing and overrated impression of setting. Although Larkin claims there was nothing of himself in this poem, his biographer maintains there was everything of the poet in this poem, critiquing the homogeneity of life. In one sense, the persona is experiencing a stereotypical journey within the setting of a train, on looking on the houses and streets surrounding him. However, in another sense the persona is looking at the mass turnout of newlyweds during The Whitsun Weddings, a religious festival, unprepared for their hopeful and artificial journey ahead.Phillip Larkin is very critical of marriage, believing too much credence is put on it and the macrocosm is that it will not last. A slow and stopping curve southwards. This is hinting at the reality of life going downhill after marriage, and the expected journey will not succeed. In re gards to setting, the setting of a train is extremely significant. As the newlyweds pile on the train polluting true love, the train is symbolically signifying the deteriorative journey that will take place in their love lives. Generally, this poem is very negative towards the journey that married couples will face, symbolical of the setting of a train. However, the supple break of the ABABCDECDE rhyme scheme when grass and cars rhyme is to show a slight blip of happiness in marriage, in contrast to sorrow.This is because Larkin wanted to show how this is only his opinion on the journey of marriage. Also, the breaking of the rhyme scheme could symbolically show how in fact in later life the couples may separate and evidently their marriage could break down. The setting of a train is to also show the normalisation and journey of a marriage. Abses Leaving Cardiff also uses journey to contribute to the setting, just like Larkin does. The journey that the persona is facing in this poe m is that he is leaving Cardiff for good. Upload and move on. This particular metaphor is showing how the persona is leaving the setting of Cardiff, but will never forget the journey he has been on whilst he is there, and evidently the pilgrimage he will face in the future.

BE Reading

This involves creating the opportunity, space and time needed to think about figure and the appropriate action emerging from a meditative thinking process. We argue that cosmos a thoughtful agent alls requires a deeper fellow feeling of self and of the nature of individualised engagement with ongoing pondering activity. This advancement enables restrictions to question the paradigms in which one is operating (Peters and Vandenberg, 2011 63) and to be responsive to the need for change and quality improvement in relation to the special(prenominal) needs of spellbinder, families and settings. Consequently, it requires an understanding of what we pixilated by being a reflective practitioner, including understanding the terminology we use and the interpretation we apply throughout this chapter.Table 4. 1 explains how we use the terminology that surrounds reflective practice in this chapter. Reflective practice has been identified by educators as beneficial for quality improvemen t (Arises and Chon, 1978 Bout et al. , 1985 Brookfield, 1987 Broadband and McGill, 2007). It has been described as a generic term for those intellectual and affective activities in which unmarrieds engage to explore their experiences in order to lee ad to new understandings and appreciation (Bout et al. , 1985 19). In auxiliary, reflection has the capacity to realize alternative and more productive ship canal of organizing the workplace (Brookfield, 1987 14).Together these two statements indicate that examining our actions and activities, some(prenominal) at a cognitive and an emotional level, can help restrictions to think and record from experience in order to improve practice. Such reflective activity can also be creative, offering different, new and more effective behaviors of organizing things, whether applied when working with children or colleagues or to the way we organism the environment. Expressed simply, the core principles Of reflective practice involve reflective thinking and learning, which are utilise to inform decisions and actions in practice, and by implication, improve quality. A number of models have evolved to support reflective thinking and practice. Many of these, such as Kolas (1984) model of experiential learning,Ghee and Ghees (1998) reflection-on-practice and Brookfield (1995) lenses, have the clear purpose of supporting critical thinking about experience and using what is learnt from this process 60 to inform future actions. In addition Ghee (2011 28) draws on the work of Bandmaster (1991 ) and asks us to see reflection as a mainstreaming process that includes the satisfaction of four personal needs of purpose, judge, efficacy and self-worth. However, while many recognize the role of self- reflection and the influence of a range of personal jampackrs, they do not serially encourage practitioners to understand, take induceership or utilities the extraordinary nature Of their reflective activity.Ownership draws on a range Of personal factors, such as heritage, disposition, skills and understanding. A deeper level of engagement with reflective activity also requires understanding and appreciation of personal potential. Self-awareness can support reflective practice that is personally meaningful and in that locationfore more likely TA produce the energy and drive necessary to make significant differences in terms of quality. This perspective includes recognition and acceptance of unique ways of being reflective and how this is supported by an individuals specific passe-partout qualities. Such an approach values different ways of engaging with reflective activity and professes no single model or particular professional context.It also supports the development of reflexive practitioners who question taken for granted beliefs and develop an understanding that knowledge is contestable (Peters and Vanderbilt, 201 1 63). Peters and Vanderbilt argue that such reflexivity supports a localize on doing the ri ght things rather than doing things right, a key principle hat we believe underpins the process of improving quality. An individuals reflective activity often takes place inside dynamic and changeable socio- cultural context, which shapes the processes, responses and individuals involved. While the core values and principles of an individual al whitethorn remain constant and be articulated and understood as a basis for reflective activity, there are many ways of responding to issues according TA context.Developing as a reflective practitioner means being someone who is able to act in ways that make a qualitative difference and it requires an understanding of the current socio-cultural context and how this affects the nature Of professional responses. Brotherlinesss (1986) bionomic model may help us to explore this concept of socio-cultural influence on reflective identity and practice. According to Frontbencher an individuals development is affected by a series of environmental infl uences the mortises of family, school, or neighborhood the ecosystem of a town, local policy, or economic influences and the Microsystems of cultural influences, national policy, or pervading ideology.A practitioners reflective reactive may in any case be influenced by colleagues, peers, managers and parents at a setting who in turn may be influenced by local quality improvement policy, REFLECTIVE approach pattern 15 THE KEY TO QUALITY IMPROVEMENT 61 risk awareness, and economic status and overall this is influenced by central government policy and perhaps the perceive culture of the type of setting. Therefore practitioners may subtly shift in perceived identity and consequent reflective responses according to the social and environmental situation in which they find themselves. The ability to engage positively and constructively thin a changing professional ornament is supported by an individuals understanding of both that landscape and what is possible within a particular situ ation in terms of their personal responses and qualities.Just as out-of-door socio-cultural spheres influence responses, the reflective activity by an individual may influence future qua a lit y improvement in others because the practitioner is an active agent within their professional context. Recognizing and valuing the impact of this agency may offer an opportunity for reflective practice to be a means of empowerment, leading to change at the individual ND societal level (Cable and Miller, 2008 173). Developing a strong sense of ones own identity as a reflective practitioner can have a significant impact on both individual and collective confidence to engage in reflective activity as a means of improving quality.Reflective practice as a way of being Understanding reflective practice as a way of being that is owned and experienced by a practitioner encourages the development of an individual as a reflective professional practitioner rather than as a technician (Moss, 2008 xiii). This allows for the identification of different ways of engaging within a recess. A technician may go through the motions of fashioning changes in practice by following a prescribed model of reflective practice. However, it IS essential for a reflective professional practitioner to emotionally and intellectually own the process (Moss, 2008 xiii). Ownership means acknowledging that reflective practice can include the use of deeply embedded intuitive reflex responses and ways Of knowing (Atkinson and Clayton, 2000 2).Atkinson and Clayton argue that we should value other forms of reflection that do not focus solely on reason and articulation rather, unconscious insight draws on the whole of what has been known the enormity and complexity of which cannot continuously be articulated (2000 5). Encouraging practitioners to use their full range of personal resources within reflective activity is essential. It is possible that compliance with a prescribed model limits reflective potential by indicating one preferred way of proceeding towards 62 reflection, or pull down towards quality improvement. We would suggest that without alternatives, such reliance on an external expert model may leave practitioners feeling De-skilled and disemboweled. Recognition of reflective practice as unique to individuals celebrates difference, recognizes personal development and is therefore inclusive.Enabling practitioners to utilities their full range of personal resources within reflective activity requires a critical view of what is involved. There is a view that intuitive forms of knowledge and ways of knowing have been unjustly unattended in our rational technical world (Atkinson and Clayton, 2000). For Atkinson and Clayton intuitive and tacit forms of knowledge in practice are of equal value and should be equally validated and respected. They even argue that there are times when we can think too much in rationalizing processes when we should rely on a more instinctive way of bei ng. This suggests that there is a form of professional reflection that is much more intuitive and instinctive and relies on the inner resources of a practitioner.We see this as important in the context of developing early years practice, which requires an understanding of many complex issues. Kernel and Sheep (2010) suggest that reflective intuition should be respected as a way of knowing that is particularly useful in dealing with complexity. Intuitive reflective practice respects and releases inner qualities and understandings, which inform actions taken to improve quality in practice. Many models of reflective practice represent what seems to be a relatively simple process. Investigation into the nature of a practitioners real life participation in reflective practice reveals a complex array of professional qualities applied and synthesized in different ways at different times according to the situation.Understanding the coming unneurotic of the individual al and context offers a way of understanding reflective activity from a deeply arsenal perspective. Through a process of making human sense (Donaldson, 1987) of ones own reflective activity, practitioners Gin evaluate the ways and extent to which they make changes for the better in all aspects of life. Personalized reflective activity that becomes a positive experience and rewards aspects of self is more likely to become a disposition or habitat mind (Arnold, 2003), owned by the individual. Practitioners who understand the nature of their own engagement in reflective practice are more likely to be . Emotionally as well as intellectually involved in the process.

Informative Valentines Day Speech Outline

(Name) Topic The history and a few different traditions of Valentines Day General Purpose To inform Specific Purpose To inform my lyric class of the benefits of moderate indoor tanning. Thesis Statement There is actu all in ally a fascinating history behind Valentines Day, which I give itemise you about to sidereal day along with near insight to how different pressries celebrate this day of love. INTRODUCTION All of us have someone special in our lives. Whether it is a signifi send wordt other, friends, or family, we all have someone, often many people, whom we love. But how often do we remember to really express the love we find out for these people?Good thing theres a whole day devoted to love, so, at least once a year, we get the relegate to tell these people how more we love and appreciate our relationships with them. That day of course is Valentines Day. A day for romance and splurging on gifts such as flowers, chocolates, jewelry, and those sly little teddy bears with the fluffy hearts reading Be Mine. Valentines Day in the U. S. has also become a day when merchandisers can count on making a few quick bucks, leading most to believe that this horrifically commercialized holiday was invented by the candy, jewelry, and card companies.On the contrary, there is actually a fascinating history behind Valentines Day, which I will tell you about today, along with some insight to how some different countries celebrate this day of love. BODY I. History a. St. Valentine i. Catholic church recognizes at least 3 different saints named Valentine or Valentinus ii. Martyred for marrying young men and women when it was outlawed by Emperor Claudius iii. St. Valentine was martyred for severe to help Christians escape from Roman prisons iv.Legend of first written valentine by St. Valentine 1. Jailors daughter b. First Valentines Day cards II. Different countries and some unique traditions followed today a. Similar to U. S. i. Australia ii. Canada iii. France b. Dif ferent than U. S. i. Wales 1. Welsh Valentines Day St. Dwynwens Day 2. Love Spoons ii. Scotland 1. Cards sent anonymously 2. Game at parties 3. Valentine Date Search iii. Finland 1. Ystavanpaiva iv. Denmark 1. Snowdrops 2. Lovers Cards . Gaekkebrev v. Japan 1. Valentines Day 2. White Day CONCLUSION Here are a few things to remember. Valentines Day was actually deemed a holiday by Pope Gelasius, not Hallmark, Hersheys or Kay Jewelers. Regardless of the accuracy behind the legends of St. Valentine, they are all great, romantic stories about a man giving his life for what he believed in. Though there are countries where customs do not differ much from our own, there are many traditions followed around the world that are very different.When the next Valentines Day approaches, just remember, the Welsh women will be looking at forward to some fancy spoons. Singles in Scotland will be wondering which party their crush will be at so that they can go to the same one and hopefully draw thei r name. The Finnish will be looking forward to spending time with their best friends. Danish women will be thinking really hard to win an Easter egg. And if you want to continue to receive gifts on Valentines Day, do not move to Japan. BIBLIOGRAPHY

Of mice and men †dreams Essay

Many of the characters in of mice and men spend a penny inhalations. What are their inhalations and how near are any of them to achieving what they want?Steinbeck wrote Of Mice and Men in 1937 during the Great stamp in America. He came from California and the farmland and the spreadheades around Salinas, where the apologue is set. The novel Of Mice and Men is based on the earthy view on America, by Steinbeck allowing hallucinations to fail, because in the real world dreams do non always arrive true. He also wanted the novel to seem real so it would have been unrealistic to march plurality succeeding and achieving the American dream.Steinbeck was writing during the Great Depression and wanted to show that the Great Depression was an era when peoples lasts were most difficult. The depression was between 1929-1933. It all started from Black Thursday when 13 million shares were sold on 24th October 1929. This lead to the Wall Street Crash when shares fell and Americans were doing anything they could to change their shares as it was affecting their savings. Even people who didnt have shares were affected as many banks went bankrupt, as people could non pay back their loans. This all added to the depression which left 25% of Americans unemployed, people were pressure to travel around to look for work and many were homeless with no welfare.Steinbeck chooses to focus on twain migrant workers, Lennie and George. At the start of the novel, they are ab let on to start work in a facing pages near Soledad. They are victims of the economic situation. George spends most his flavour looking by and by Lennie and dealing with Lennies actions. Lennie is mentally challenged so he needs some superstar to look after him. George manages to get a job for Lennie and himself. as luck would have it Lennie is very strong which is helpful for his work at the ranch. However he doesnt know his induce strength, which causes several incidents in the novel. George is a sma rt footling guy who has a dream but Lennie holds him back.A number of the characters in the novel have dreams. Thinking about their dreams gives Lennie and George a goal to aim for. The dream is also a form of escape, of avoiding the reality of their lives. They are not happy with their lives.George and Lennies dream is that one day they allow for take their farm with a cow, a pig and some rabbits for Lennie, we could live mop up the fatta the lan an have rabbits mentions by Lennie. George says to Lennie that theyll have a big vegetable patch and a rabbit-hutch and chickens. And when it rains in winter theyll just say the hell with going to work. But there is a very little chance to succeed their dream together as Lennie gets caught up in many incidents. One beta incident, which ruined Lennies chance for achieving his dream, is when he accidentally kills Curleys wife. Not being aware of his own strength he strangled Curleys Wife without knowing he is hurting her.When she died a nd everyone else found out, Curley went after Lennie to kill him. Instead George, Lennies only bloke, shot dead Lennie straight after having an another(prenominal) saving about their dream. Lennie arguably fulfills his dream towards the end mentally. When the others found George and Lennie, Slim says, come on, George. Me an youll go in an rod cell a drink. This shows look forward to for a new friendship for George and Slim and even higher hopes for achieving his dream. This tells us Steinbeck did not let Georges dream totally fail. George dreamt for independence, security, stability and freedom, which he succeeded when Lennie died.Curleys wifes dream was to become an actress. She wanted to be in the pictures but thinks her mother stole a letter from a director asking her to come to Hollywood. Instead she married Curley to get back at her mother although she didnt actually love him. She mentioned in the novel what she wanted, an I coulda sat in them big hotels, an had pitchers took of mean all them slender clothes they wear. Because the guy said I was a natural. She often says the phrases I coulda, I woulda and I shoulda. Steinbeck chooses these actors line for her as she often thinks it is too late to do or have done something, meaning she has no hope for her dream. Because she married Curley, a controlling man, she ended up with someone she didnt love and feels lonely(prenominal) and trapped, as she has nobody to guggle to about her thoughts and feelings.This is because there are only men on the ranch and Curley would not have allowed it. She also dreams for friendship and not being abandoned. Just before her death she does achieve a glimpse of this part of her dream when she talks to Lennie about her thoughts and feelings. She gets to tell him what she wanted in life and how she feels in her life. Steinbeck does not allow her dream to totally fail, as she is able to talk to someone and does not feel lonely. She also would probably feel happier th at she has died, as she does not have to suit Curley and his controlling actions anymore, And the tightness and the plannings and the discontent and the ache for attention were all gone from her face. glazes dream in the novel is to be wanted and to have friends. He does however foster some friendships with the men on the ranch. Candy thinks he is useless because he cant work anymore like his mouse click. His only companion was his old follow, but his dog gets shot as he is too old and smelly to live with for the men sharing a room with Candy. This was a very tragic time for him as his dog was the main part of his life. Candy suffers ageism, which drags him down. He constantly tries to make friendships, spose I went in with you guys howd that be? He also experiences pessimism just like many of the other characters in the novel.Candy wants to be useful and admired. He does not want his age to take everywhere him and wants people to see the inside instead of focusing on the outsi de of him. Slim says, I wisht somebodyd shoot me if get old an a cripple when referring to Candys old dog which makes him feel old and useless. He wants his own land but would rather prefer friendship. Steinbeck makes him fail when Lennie dies because Lennie was the strongest friendship he had in the novel. Now Lennie has died Candys friendship with him fades out.Crooks is a character who most promising suffers the most. In Steinbecks words he is a Negro, which is a very difficult seat to be because at that time there was a lot of racism towards blacks. His dream is to be interact equally just like the rest of the men in the ranch, to have friends and to be accepted for his color. The stable-bucks dream is very much like Candys because they dream for similar things. Steinbeck shows Crooks is not accepted, as he is not allowed into the bunkhouse because of his color. Like Steinbeck he is cynical and knows that his dream is most likely to fail. Crooks has a pungent and bitter ton e to his voice, you talk about it a hell of a lot, but you wont get no land. He talks like this because he wants other to feel the cruelty he is going through. In the novel there is a point when Crooks feels happier and is a little closer to his dream, Crooks face lighted with pleasure in his torture. This made him feel in control for once.He loses his hope when Curleys wife drags him back down again well you keep your place, then Nigger. I could get you draw up on a tree so it aint even funny this brings out a cruel part of Curleys wife and makes us feel sympathetic for Crooks. This sympathy follows our overtone dislike for him after he becomes cruel. He makes fun out of Lennie, a guy can talk to you an be sure you wont go blabbin. He is tragically well aware of his place on the ranch, if I say something, why, its just a nigger saying it Momentarily he believes he will achieve both his dreams live with the others (George, Lennie and Candy). This is how crooks and candy join Lenn ie and Georges dream, as they have dreamt they will live with them on their land. Crooks gives up on the dream. Steinbeck has allowed him to fail because Crooks is cynical and knows that achieving the American dream is extremely marvellous to happen in the American society.In conclusion dreams are important to these characters because it means they have a goal to aim for in their lives. The point Steinbeck is making is that in the realistic world dreams do not always succeed and wanted to show how futile the American dream was. He represents the prejudiced reputation of the American society in the novel. He is critical of this because he knows these were the boundaries that stopped Americans from achieving their dream. Readers respected him for his honesty. There is hope offered to the reader for George as Slim offers physical and mental support at the end giving us an idea that a friendship can begin. The title Of Mice and Men represents small people (mice) and big people (men) i n the terms of status positions. Steinbecks purpose for writing the novel was to show the American dream and the reality of it.

Describe how Arthur Miller creates Essay

picture how Arthur Miller creates an exciting climax for both acts of A View from the Bridge A View from the Bridge by Arthur Miller, is a play about obsession and betrayal. The main character, Eddie Carb ace, becomes overprotective over his niece, Catherine, to the degree of infatuation. This obsession helps to practice the break drink of Eddies marriage, as his wife, Beatrice realises the alarming nature of Eddies fixation.Eddies tonicityings for Catherine existed before Beatrices cousins, Marco and Rodolfo came, but their arrival intensifies the situation, as Eddie becomes more and more jealous of Rodolfo, and of Catherines love for him. This play is a tragedy and, like most tragedies, it is serious and ends with the death of the main character, Eddie. Eddie dies after betraying his wifes cousins to the immigration bureau. As a result, Marco, who is filled with hatred and in pack of justice, stabs him. Arthur Miller was a New Yorker who worked on the Brooklyn docks, for a t ime.His experience of the docks and of the people around them, led him to write this play, which is set there. During this coursework, my aim is to study the ends of the devil acts in depth to see what techniques Miller uses to make them dramatically rough-and-ready. The last scene of act one (from page 39 when Catherine puts paper doll on the phonograph) portrays at kickoff is one of a sensibly happy home but Arthur miller uses a combination of significant action and verbal nuances to usher depth of characters and character emotions.The basic events of the scene argon Rodolfo and Catherine dancing, Eddie showing Rodolfo how to box, and then Marco, challenging Eddie to lift a extend. These are three main routines of this last scene, which demonstrate symbolic changes in the character relationships, the first two build up to the final conflict between Marco and Eddie, which sets the tone for the second act. The first great section of the scene is the dancing between Rodolfo a nd Catherine.We see in this scene that Rodolfo feels uncomfortable because of Eddie he stiff rises, feeling Eddies eyes on his back this shows that Rodolfo may realise how Eddie feels towards his niece, Rodolfo doesnt want to dysphoric him, we see the way Eddie feels about the dancing in the stage direction EDDIE plows his head away. These few unsubdivided actions are very important to the play, they show Eddies feelings and the start or progression of the hatred Eddie feels towards Rodolfo and show a penetrative conflict between Eddie and his niece.During we find out about a number of things in more depth, for example our understanding of the plays characters changes considerably. We find that Marco disapproves of the way Eddie is treating Rodolfo, this is quite a surprise since we, as an audience do not expect Marco who has previously been shy and quiet to make such(prenominal) a blatant altercate as he does in this scene. Twists and surprises in a plot tend to create sus pense and emphasis so this is a very effective technique to use.The action in this scene Marcos action of retentivity up a professorship triumphantly in front of Eddie is an fire and significant action because the chair seems to be a symbolic artillery. Marco is threatening Eddie with it, this is analogous to the way he actually uses a weapon to kill Eddie in the final scene of the play. The way that Arthur Miller uses such an imposing action as lifting a chair above head height to make a defined, pointed change in Marco is effective because it is dramatic and startling in the way that it breaks from the tone of the rest of the scene.Although powerful and startling the action of lifting the chair is also subtle in that it states without using words, just how Marco feels and sets out his warning, it is succinct which is part of what makes it effective. I do not believe words would have worked as well at portraying the overall feelings, not just of Marco but also of the other cha racters. This is a major way that Arthur Miller creates an overall atmosphere. He uses actions that involve the audience reactions and opinions of all the characters and the aids the creation of a climax. Emotions of the audience towards characters are mixed.They may feel happy for Catherine and Rodolfo in that they have found each other and seem so happy. Some may speculate, however, about that, this relationships days are numbered due to Eddies obviously hostile feelings towards Rodolfo. They may also feel anxious as to how the conflict that has arisen between Marco and Eddie will be resolved. This excited question is exciting and leaves the audience thinking because of the culmination of events. This last scene in act one is use very effectively by Arthur Miller to sow the seeds of events which are going to come to pass in the second act of the play.It is but at this point in the play that we charter true insight into the feelings of Marco, his stubbornness, his need to prov e himself and his brother, which turn out at the end of the play to be fatally strong. It is also only now that we see any dislike of Marco from Eddie, it is this dislike and need for apology that causes the end scene to happen in such a tragic manner. The Characters in this scene are very interesting to trace on their own but it is also interesting to see how Arthur Miller has contrasted the actions of his characters in this scene.One such contrast is that between Marco and Eddie. Eddie uses Aggressive action, such as boxing to make his point whereas Marcos subtle challenge with the chair is, non-aggressive but still makes the intended point. These contrasts between the two mens actions are very interesting and are very effective in demonstrating the differences between their personalities this makes it even more interesting at the very death of the play how Marco has changed into a person willing to be violent to get revenge. This final scene leaves many questions unanswered.The conflicts between the characters in this scene could lead the audience to speculate as to how things will develop in the next act but although this scene gives the audience, some idea of how things turn out it does not tell them everything. They may ask themselves what is going to happen to Catherine and Rodolfos relationship since it seems rank(a) that Eddie dislikes Rodolfo and disapproves of his relationship with his niece. And they may wonder about Beatrice and Eddies marriage since it appears to be weakening there is no way, however that at this point the audience realise the ending, they are left in suspense.This means that the ending of this act is all the more of a climax the audience are left teetering on the advance of knowing more but are left to ruminate till the second act. That in itself is large to explain the way Miller creates of a climax here. The situations that develop in this play would be delicate for anyone to deal with. Eddie finds the situation that he is in especially difficult and consequently he is seriously abnormal by it. In this play Eddie goes from existence a popular man, respected in the community to being a man willing to betray his own family and, in the final scene one wide-awake to kill.Eddie started by just being over protective of Catherine, which developed into jealousy of Rodolfo because Catherine loved him and this, in turn developed into passionate hatred of both Marco and Rodolfo. Eddie hardly understands what he himself is feeling at the end of the play. These emotional changes are central to Arthur millers play since they help to cause the chain of events leading up to the final tragic end and are very important in creating interest and drama in the play. This is especially significant at the ends of the acts and creates a charged atmosphere.The changes in Eddie during the play also have consequences on the people around him, especially on Beatrice. Eddie spends less and less time throughout the play with Beatrice socially and more importantly, he spends less time with her intimately. There is evidence in other scenes that the sexual part of the Carbones marriage has already collapsed but that Beatrice desperately wants to save the marriage by sitting down and sorting things out.

Dorothy and the Tree

Gonzalez, Sophie Period 6 December 3, 2012 Dorothy and the Tree A Lesson in Epistemology Stanley seek discusses how we in society base our lives off of assumptions. Using the example of Dorothy and the tree, Fish is able to show how with our assumptions, we as mess categorize others and things into what we believe to be correct. Whether or not we have actually taken the time to name out if we are right is irrelevant.He notes that we should just keep trying to expand our sense of us as far as we can, so we can avoid judgments and isolating ourselves from the rest of society. Even though Dorothy realizes her mistake, she doesnt realize that it is not a failure, but her consciousness assuming the classification of things in the world. Fish later on defines thought as the structure that at once enables perception, meaning that at bottom categories things emerge, limiting perception and nothing can allow one to see everything because that is Gods job.Fish uses many a(prenominal) Bibl e allusions to create justification for his assertions. He uses Genesis 126, and Pauls road to capital of Syria to show that people can be persuaded to change their placement of things in society. Despite all of his legal points, Fish states that it is nearly impossible for one to change just on realizations. He believes it takes practice to feign the fact that there are things that we cannot comprehend because there is no limit on the conceptual harness of society.

Report in Delta Life Insurance Company

Executive make sensemary The development of a country dep polish offs up on the consolidate development of only infrastructures like-agricultural sector, industrial sector, fiscal sector, technological sector etc. But developing all(a) these structures is non easy. A lot of troubles and threats always hinder and make difficulties to success. The closely difficult problem is financial risk. So if it is feasible to provide financial aegis then most of the structural development go out be achievable with minimal rides. And the most well known practical method for handling financial risk is indemnity.Delta keep sentence dam epochs fri finish upship Limited was incorpo scored in November 10, 1986 and is mainly eng climb ond in nondescript spirit (OL), concourse insurance (GI), Health redress (HI) air and non- conventional micro amends business under(a) the name of Gono-Grameen Bima (GN-GRB). The fellowship is a publicly traded Company and its sh argons ar listed o n the capital of Bangladesh occupation Exchange and Chittagong Stock Exchange. However, we piddle prep ard this report on Delta liveliness damages Co. Ltd, which is integrity and only(a) of the increment and prospective insurance companies in the insurance perseverance.The company is providing cherishion and financial security to the nation, whilst adding shargonholders value archetype customer function excellence. By the way of examining and evaluation the functions and mathematical operation of Delta life story Insurance Co. Ltd, we tried to bedeck a true scenario of insurance industry of Bangladesh. Our report topic is ? Overall Activities Delta Life Insurance Co. chapeau?. So, to get an accu point realization well-nigh Delta Life Insurance Co. Ltd. rudimentaryally, we emphasize on underwriting process & hold settlement issues of Delta Life Insurance Company. 1. Introduction 1. Origin As we are the student of business regime we have been authorized by our guid e teacher to prepare a report on the activities of Delta Life Insurance Company attached to the customers and their underwriting process and usurp settlement. 1. 2 Objectives of the report 1. 2. 1 Broad Objectives A broad objective is to figure out the overall activities of Delta Life Insurance Company ltd and the procedure of underwriting processes and claim settlement issues 1. 2. 2 Specific Objectives 1. To have a brief idea about insurance industry and their insurance policy and procedures 2.To find out their assistants. 3. To find out the different products. 4. To find out the different types scores. 5. To find out the different types condition 1. 3 Scope To find out the overall activities & accounts department of Delta Life Insurance Company ltd we have visited Motijheel Branch of Delta life insurance compny. 1. 4 Methodology * Primary data Primary data was absorbed with the help of information given by M. Mosharaof Hossain, Assistant vice president, Delta life insuran ce company * Secondary Data Secondary data was collected form the fol disordereding sources * Websites Books regarding insurance * Articles on insurance policies 1. 5 Limitations In this short eon, we have tried to give our level best effort to provide the information about the total activities of Delta Life Insurance Company ltd. Several drawbacks that appeared at the age of preparing the report and hindered the total work process are as under Time limitation The limitation of this study involved throttle clip frame that was available for completing such an in-depth report. Our semester consists of four month.Within this time most of the teachers give the assignment or report after mid term exam and we are required to prepare and submit assignment or report deep down this short time. As a result we had to divide time for preparing report for our courses. As a partial fulfillment of our course we to a fault required to prepare this report within short time. So it was hard t o complete tis assignment regarding all important matters . Other limitations * One of the main barriers of the report was the confidentiality of the data * Not able to collect information from the source. It was difficult to include all the information to prepare a proper report Company Background Name, Address, Established date & some words Delta Life Insurance Co. Ltd. established mainly d maven the initiative of a gathering of Bangladeshi professionals then working abroad a gigantic with a a couple of(prenominal) enthusiastic local entrepreneurs, started its operation in December, 1986 after the Government of Bangladesh al pocket-sizeed the mystic sector to operate in the insurance sector in 1984 to carry on the business of insurance in the Private Sector. A brief ex thinkation as to the growth of life insurance business in Bangladesh is in put in here.Bangladesh declared independence from the Pakistani rules on March 26, 1971 following which she had to witness a bloody pink slip struggle with the occupation forces lasting for 9 months before they were defeated. Insurance business which was exclusively carried on in private sector before independence was nationalized after liberation in 1972 primarily to hook the acclivitous situation of eroding public confidence in the industry that was left staggeringly short of resources in the face of huge losses caused by the war of liberation.After a series of experimentation, a state-owned body, namely Jiban Bima mess (JBC), established in May, 1973 for transacting the life insurance business, took over the assets and liabilities under life portfolios of all erst patch private insurance companies and started business in its own name. However, things did non improve rather, in some respects became more(prenominal) exacerbating and the Government then thought it better to allow private sector participation in insurance business.Since inception, Delta Life set before itself a luxuriously standard of all round performance coextensive with professional soundness and proficiency. It soon made a mark in the life insurance arena by not only being the leader among the private sector indigenous companies, however by under fetching and success well(p)y implementing innovative and welfare oriented life insurance schemes. It introduced an array of formal life and group insurance products many of which were the eldest in Bangladesh. For the first time, health insurance products were besides introduced by Delta Life.But more importantly, in fulfilment of the avowed commitment towards social development, Delta Life for the first time not only in Bangladesh but probably in the World, devised and introduced micro-life insurance-cum-savings products specially suited to the neexplosive detection system and pockets of misfortunate people of the country who constitute more than 80% of the people of Bangladesh Two projects of the company namely Grameen Bima for the boorish people and Gono Bima for the poor and marginal savers of the urban areas were initiated to devote themslave exclusively to marketing and management of these innovative products.We are happy to report that we have achieved a good measure of success although there is a long way to go. These schemes that we have introduced have created great stir and enthusiasm among the general mass who, before these projects started functioning, could not even dream of owning a policy that provides the much needed life insurance coverage along with facility of regular savings on a long-term infrastructure. At a later show i. e. in the year 2002, the projects were merged into a division of Delta Life, namely, Gono Grameen Bima Division.The GNGRB Division has been growing at a first rate of more than 25% p. a. for the last couple of the days and is poised to maintain this growth rate at to the lowest degree in the next five eld or so. Vision To be a market leader in providing integrated total security clients service , to be an innovative, profitable, customer friendly with a global focus. Mission Create unmatched value for everyone through dependable, effective, transparent and profitable life insurance and pension plans.Objectives of Delta life Insurance company To serve the humanity for its well being in the present(a) and the world hereafter by providing financial and moral gains through utmost good faith, good conduct, interchangeable trust, sincerity, integrity and personalized services. Address of Main Branch * Delta Life Insurance Co. Ltd * Gouse Pak Building (5th Floor) * 28/G/1, Toyebee Circuler Road * Motijheel C/A, capital of Bangladesh Ph +88 02 9560407 Branches Branches /offices/service center/zone Address Dhaka Service Center * Gouse Pak Building (5th Floor) * 28/G/1, Toyebee Circuler Road * Motijheel C/A, Dhaka * Ph +88 02 9560407 Comilla Service Center * Gani Bhuiyan Mansion (3rd Floor) * Monohorpur, Comilla * Ph +88 081 68796 Rajshahi Service Center * C & B more(prenominal) * Kajihata, Rajshahi * Ph +88 0721 770693 Chittagong Service Center * Ajmol Arcade (4th Floor) * 1806, Sheikh Mujib Road * Agrabad C/A, Chittagong * Ph +88 031 713059 Barisal Service Center * Ahsan Plaza (2nd Floor) * Bot Tola * Nobogram Road, Barisal * Ph +88 0431 64306 Dhaka Metro ZOC * Baitul Abed Tower (10th Floor) * 53, Purana Paltan * Dhaka * Ph +88 02 9570324 Chittagong ZOC * 119/120, Mirzapur * Muradpur, Chittagong * Ph +88 031 656333 Barisal ZOC * Shahida Villa (3rd Floor) * Bogra Road, Barisal * Ph +88 0431 62943 There are so many branches existing in Bangladesh. We dont want to include those. menu of Directors Chairman Mr. Monzurur Rahman Directors * Mr. Aziz Ahmed * Mr. Kazi Fazlur Rahman * Mr. Borhanuddin Ahmed * Ms. Anika Rahman * Mrs. Adeeba Rahman * Mr. Zeyad Rahman * Mr. Md. Mujibur Rahman * Mr. Md. Abdul Wahab * Mr. Arif Ahmed * Mr. Md. Nurul Islam * Mr. Golam Sarwar * Mrs. Syeda Soyeli Ahmed * Ms. Saika Rahman 2. 1 Committees of the Board Audit Committee Chairman * Mr. Aziz AhmedMember * Mr. Borhanuddin Ahmed * Mr. Md. Mujibur Rahman * Mr. Zeyad Rahma - Delta life Insurance Co. Ltd Organogram of Delta Life Insurance Company Ltd Chapter-02 Performance compend General Accounts (Provisional and Unaudited) (Amount In Crore Tk. ) General Particulars 2010 2009 2008 2007 2006 First Year allowance 120. 51 107. 40 95. 32 82. 30 85. 40 Renewal allowance 342. 91 302. 83 266. 79 245. 00 207. 60 separate Insurance reward 21. 28 19. 94 16. 17 10. 60 8. 32 Health Insurance Premium 14. 42 10. 68 5. 22 3. 29 2. 66 Gross Premium 499. 12 440. 85 383. 50 341. 9 303. 44 Growth over Previous Year 13. 22 % 14. 95 % 12. 40 % 12. 44 % 17. 84 % coronation Income 298. 95 180. 99 127. 99 112. 00 89. 66 Income from Other Sources 5. 89 4. 87 4. 83 2. 61 1. 41 Management write off Particulars 2010 2009 2008 2007 2006 Commission Expense 91. 16 80. 36 69. 35 62. 67 63. 67 Admin Expense 68. 69 62. 34 56. 40 50. 26 44. 45 Management Expense (as % of gross bonus) 32. 03 32. 37 32. 79 33. 10 35. 63 Claims Particulars 2010 2009 2008 2007 2006 Number of Claims 149051 156444 214301 151523 59567 Amount of Claims 223. 54 204. 80 243. 40 175. 81 89. 85 OthersParticulars 2010 2009 2008 2007 2006 Assets 2,180. 23 1,755. 61 1,473. 62 1,325. 25 1,129. 92 Life Fund 2,034. 95 1,619. 00 1,347. 01 1,206. 07 1041. 44 Chapter-03 Number of policies 1. Ordinary Life Insurance 2. Gono Grameen Bima 3. group Life Insurance 4. Health Insurance Chapter-04 under(a) writing process & claim settlement process 4. 1 Ordinary Life Insurance Delta Life offers a round-eyed variety of ordinary life product/plans ranging from the most common endowment type to more fresh and sophisticated plans like endowment with open term, pension plan with built in provision for increase pension, increasing protection with provision for insurance superior refund etc.The plans have been designed keeping in view the diverse and multifaceted needs of the insuring public belonging to differ ent strata of the society. Some of the popular plans are soon described below. 4. 1. 1 Endowment plan with and without profits The most common and widely popular, this plan provides for a fixed snapper at end of a particular term or at preceding ending of the informed. The plan is available under both options i. e. with profit and without profit. This is a straightforward coverage allowing a person to plan his future needs for security and projected savings through heart and soul of insurance. eds for security and projected savings through government agency of insurance. 4. 1. 2 One-two- tercet endowment plan with profitsThis plan provides for high security at earlier death of the advised before expiry of term (10 & 20 years) or the marriage informed at expiry of the term. The plan provides for two-baser the tell assured at premature death due to illness or treble the sum assured if death occurs directly as the result of an accident along with accrued bonuses till deat h or maturity as the moorage may be. 4. 1. 3 Installment recompense plans with or without profit a) Three payments plan Given for legal injury like 12, 15, 18, 21 years with or without profits this plan provides for one fourth of the sum assured upon expiry of each one third of the term and on death at anytime within the term the climb sum assured payment of one or all the installments notwithstanding.In chemise of endurance to the end of the term be portion of the sum assured along with profits is gainful after deducting the installments already give. b) Bi-annual payment plan is given for 10, 15 & 20 years term and provides for payment of a portion of sum assured bi-annually after expiry of the 4th year of the policy, if the policyholder is then living. The amount of installment and when payable is shown in the table below policy Term Amount of Installment When payable Sum Assured Payable on Maturity 10 Years 20% Upon expiry of 4th, 6th, 8th years 40% 15 Years 15% Up on expiry of 4th, 6th, 8th, 10th 12th years 25% 20 Years 10% Upon expiry of 4th, 6th, 8th, 10th, 12th, 14th, 16th 18th years 25%Notwithstanding the payment of any number of installments, the policyholder remains cover for full risk and on death occurring before maturity, full sum assured is payable. * The higher(prenominal) numbered table refers to without profit premium rates. 4. 1. 4 Premium back term Insurance fancy without meshwork These are comparatively low cost plans. These plans provide for payment of sum assured in lineament of premature death within the term or refund of all premiums paid at end of term. Under Table-59(A), sum assured keeps on increasing at 8% p. a. on each resultant policy anniversary and such increased sum is paid at death during the term. On survival up to the end of term, all premium paid during the term is paid.Under Table-65(A) a guaranteed profit equal to 10% of sum assured is paid along with full premium at end of term as survival service. O n death before maturity, the sum assured is payable. 4. 1. 5 Pension picture (Table-72A, 72D) without profits. Under plan pensions are provided at quarterly intervals from an age designated by the policyholder for life, guaranteed for a minimum period of 10 years i. e. if the pensioner dies anytime within 10 years his designated nominee will get pension for remaining term of 10 years. Before pension starts, if the assured policyholder dies, 10 times the annual pension is paid as a lump-sum to his nominee and the policy is all over upon such payment.There is an otherwise plan that while providing for full protection against premature death as described above, provides for pension from a designated age as pick out by the policyholder at an increasing rate i. e. pension will increase at 10% at intervals of two years. Payment of pension is guaranteed for at least ten years and thereafter as long as the pensioner lives. Both these pension plans provide for waiver of premium in case of stable and total disability due to accident before commencement of pension. 4. 1. 6 Child Educational surety Plan with Profits Multiple benefits in the form of scholarships, monthly annuities etc. in addition to sum assured are available under these plans.Under one plan sum assured or a part thereof is alike payable to the policyholder in case the child dies prematurely. 4. 1. 7. Tri-dimensional polity entire benefits for payment of 50% sum assured immediately if critical illness is diagnosed. Premium and the sum assured will thereafter be halved and the policy spread overs. Under this plan, a spouse may also be covered for major disease benefits. 4. 1. 8 Moving Term Plan Policies under the plan are initially issued and is to be taken for a minimum term (6 to 10 years) as elected by policy holder. Any time within this minimum term if death occurs, full sum assured is payable. At the expiry of the minimum term, the policy may be extraditeed for full refund of premiums paid.H owever, the policyholder need not terminate his policy at end of the minimum specified period. The policy will automatically continue till age 65 years of the policyholder unless he terminates it earlier. The survival benefit comprises of refund of all premiums paid along with bonuses. In case of premature death the nominee(s) is paid the sum assured plus all premiums paid till death, or all premiums paid with profit accrued till death whichever is greater. 4. 1. 9 wholeness Premium Multiple Security Plan It is a single Premium constitution fling multiple securities for five years term. It covers natural death, permanent and partial/total disability and seven major diseases.Premiums are based on the age of the proposer. This plan perfectly suits the needs of the executive class. Policy Conditions * give up Value After payment of two full years premium, the policy acquires cash surrender value which is quoted on request unless stated in the policy itself. * loanword At any time af ter a cash surrender value is available under the policy and while the policy is in force, the policyholder may obtain, subject to the companys existing rules, a loan on the policy up to 90% of the cash surrender value. * Age Proof Age of life assured as declared while applying for the policy has to be authenticated with an age cogent evidence document acceptable to the company.The company reserves the regenerate to require proof of age of the life assured before paying any claim under the policy if not admitted earlier. * Settlement excerptPayee may elect to receive the proceeds of the policy in installments instead of in a single sum, in such a manner as may be hold upon with the company. * Suicide Should the life assured commit suicide, whether the assured be then sane or insane, within two years from the commencement date or from reinstatement of the policy, then the liability of the company shall be limited to the refund of all premiums paid under the policy less indebtedn ess, if any, at the time of such death. bonus Delta Life pays attractive bonuses to its with-profit policies.The present rate of policy bonuses are as following a) A chemical compound reversionary bonus 5% of paid up sum assured. This bonus is not paid on the installments withdrawn (under Table-03, 04) from the date of such withdrawal. b) A simple reversionary bonus ranging from Tk. 10 to Tk. 15 per chiliad sum assured per year depending on term. c) A terminal bonus equal to 10% to 12% of sum assured at maturity of policy depending on terms if the policy would have been in force for at least 2/3rd of its term. Average rate of Bonus On the basis of the deuce-ace types of bonuses the Company now pays to its with profit policies, the average bonus earned by a Tk. ,00,000 sum assured endowment policy (except Table No. 03, 04) per thousand sum assured per year shall be as following Term of Policy Total Bonus at Maturity Average deem per Thousand per S. A. year 10 Years Tk. 52,000. 00 Tk. 52. 00 15 Years Tk. 81,000. 00 Tk. 54. 00 20 Years Tk. 1,1 cholecalciferol0. 00 Tk. 58. 00 4. 2 Gono Grameen Bima Delta Life first launched Micro-insurance product in 1988 through its Grameen Bima Project(GRB) to cater to the necessity of economic protection against premature death and of disability as well as providing a way for regular savings for the poor and low income group of people living in villages.Later it started another project in 1994, namely, Gono Bima(GNB) for the urban poor and the low income class. These projects are now merged under the name of Gono-Grameen Bima Project(GN-GRB). The initial problems apart, the project started to yield impressive results right from the beginning by creating great interest among the invest population who could not even perceive an institutional arrangement through which the ever present problems of insecurity of life could be addressed. To suit the needs and pockets of the target people, and for efficient manageme nt of these portfolios, some of the age-old traditional concepts of carrying on life insurance business had to be diluted and in some cases replaced by simple and straightforward practices.Yet, the results are so encouraging that Delta Life is now regarded far and wide as the undisputed leader espousing the cause of welfare of teeming millions and its experiences are now used to advantage not only by indigenous companies but also other micro-savings organizations abroad. 4. 2. 1 Target collection and the Product In GN-GRB the formalities are minimum. Insurance Cover is given under stem Insurance concept. A person interested in a policy submits a simple two-page proposal form it is signed or thumb imprinted by him or her. There is no need for medical check-up. The person needs to be between 18 and 45 years of age, have a monthly income of Tk. 5,000. 00 (US $ c. 00) or less, be of good health and supply a Declaration of well-grounded Health (DGH) at the time of submitting the plan form.Death through pregnancy complications within the first year of the policy and death through suicide in the first year of the policy are not covered under an exclusion clause. Simple endowment with profit policies are offered for 10 and 15 years term both with premium payment mode being weekly or monthly. Premium rate is the same irrespective of age at entry. Besides this plan, new plans like three-payment plan with 12 and 15 years term and double protection endowment plan have recently been introduced. 4. 2. 2 Policy Documents Upon acceptance of the proposal, a pass book is issued to the policyholder detailing all terms and conditions of the policy.The pass book serves as the purpose of recording of all payments made by him towards the policy. There is one group policy document for the policyholders of each Thana or Block. For individual policyholders the passbook serves as policy document. 4. 2. 3 Micro Investment (Loan) GN-GRB gives clear project loans to its policyholders on a group liability basis. No collateral is required. There is 20% service charge on the loans, which is calculated at a flat rate and added to the principal amount. The loan, together with the service charge, is repayable in 12 equal monthly installments. The repayments are collected from door to door by the organizers. Recently a decision has been taken to establish small collection booths in the villages.A person mustiness be a policyholder and pay premiums for atleast one year before being eligible for a loan. The maximum loan given is Tk. 5,000. 00 (US $100. 00) per policyholder. The loans are for income generating activities (IGA) only. Policyholders form a committee of 5 to 7 members. 3 policyholders selected by the committee are given the first loan. After recovery of 3 installments from each of the first three borrowers, the next 3 are given their loans and so on. As a general rule, 60% of the premium income of an area and 40% of the repaid loan of an area are available f or loan in that area. Also 100% of premium collection of a committee is available for loan to that committee. 4. 3 stem Life Insurance Group Life InsuranceGroup Insurance is an instrument for providing life insurance coverage (protection) to a number of individuals under a single obtain (policy) who are associated together for a common interest other than insurance. It is the most cost effective means to provide immediate financial support to an insured person member and/or his family in case of devastating events like-death, disability, disease as well as retirement. Group Insurance has already established its importance as a component of Employee win Package in Bangladesh. Exclusive features of Group Insurance are * Insurance coverage to a number of individuals under a single burn * Simple insurable conditions * Easy administrative procedure * Prompt claim settlement Affordable premium * Tax exemption on premium Delta Life offers a host of Group-Life Insurance schemes from whi ch an organization/ employer may choose for benefits of its members/employees, as may best serve their interest according to organizational setup. To be case-hardened as a group, the following criteria need to be fulfilled. * A Group Should comprise of at least 15 members * It should be a legitimately organized body Group clients of Delta Life Insurance Company Limited include * Semi-Government organization, autonomous bodies * Private, Non-Government Organizations (NGOs) * Educational & Financial Institutions * Public Limited Companies Associations, Business organizations etc. Group Life Insurance ends offered by Delta Life are of two types * Traditional aims For insurance coverage of members/employees of a Group * Exclusive Schemes For insurance coverage of clients of Financial Institutions 4. 3. 1 Traditional Scheme These are the normally offered Group-Life Insurance schemes and are also known as Basic Schemes These are Short Term squeeze * Group Term Life Insurance Scheme (G T) * Group Term Life with Premium repay Scheme (GTR) Long Term Contract * Group Endowment Life Insurance Scheme (GEN) * Group Pension Scheme (GP) There are several variants of Basic Schemes.Examples of two variants of GTR are * GTR-100/10 Group Term Life with 100% Premium Refund after 10 years * GTR-50/10 Group Term Life with 50% Premium Refund after 10 years Salient features of the Basic Schemes Group Term Life (GT) * Insurance coverage worldwide round the clock * Contract, Initially for three years and is Renewable * Simple Claim procedure * Prompt claim settlement upon death of an insured * option to alter sum assured at any time * expulsion & inclusion body of members under coverage at any time * Premium Rate- comparatively lowest among the basic schemes * Option for concomitant covers to enhance benefit * Profit Sharing options for large groups Group Term Life Insurance with Premium Refund (GTR) Insurance coverage worldwide round the clock * Contract, initially for ten/ fifteen years * Simple Claim procedure * Prompt claim settlement upon death of an insured * Exclusion & Inclusion of members under coverage at any time * Reasonable Premium Rate, but higher than GT Scheme * Refund of basic premium (full/partial) on completion of term or retirement * Payment of surrender Value in case of Policy discontinuation & exclusion * Conversion Privilege to take case-by-case Life Insurance Policy in lieu * Option for subsidiary covers to enhance benefit Group Endowment Life Insurance (GEN) * Insurance coverage worldwide round the clock Continuous Contract, unless terminated by either party * Simple Claim procedure * Prompt claim settlement upon death of an insured * Exclusion & Inclusion of members under coverage at any time * Premium rate-age aquiline and variable * Payment of sum assured as per contract on retirement * Payment of yield Value in case of discontinuation * Conversion Privilege to take Individual Life Insurance Policy in lieu * Option for su pplementary covers to enhance benefit Group Pension Scheme * Provides for quarterly/yearly pension based on last salary * Continuous Contract, unless terminated by either party * Scope for taking Death in Service benefit Scope of taking Joint life last survivor pension benefit * Scope for life pension with/without guaranteed payment period * Exclusion & Inclusion of members under coverage at any time * Premium rate- age dependant and variable * Payment of Surrender Value in case of discontinuation * Option for supplementary covers to enhance benefit Features&Benefits Basic Schemes Group Term Life (GT) Group Term Life with Premium Refund (GTR) Group Endowment Scheme(GEN) Age Limit for Insurance Coverage 18 years to 60 Years 18 years to 60 Years 18 yrs. to the age ofretirement (max. 60 yrs) continuance of Contract 3 years in each spell 10 years or 15 years in each spell Continuous Contract, if not terminated Scope for Inclusion & Exclusio n Yes Yes YesScope for Inclusion& Exclusion Yes Yes Yes Scope forAlteration of Sum Assured Yes Yes Yes Premium Rate Single & Fixed (irrespective of age Low Single & Fixed (irrespective of age) Variable age dependantpremium rate Benefits Death (payment ofInsured amount on death) Yes Yes Yes Maturity Benefit None None Payment of Sum Assured asper contract during retirement Premium Refund None Refund of Premium as per contract on retirement or completion of term. Payment of surrender value in case of non completion of term None Profit Share Provided to large groups only None None On Payment of Additional Premium 1.Accidental Death Benefit (ADB) 2. Permanent Total Disability (PTD) 3. Permanent overtone Disability (PPT) 4. Dismemberment Benefit (DB) 5. Major Disease Benefit (MDB) All or any one of those may be taken except DB which is offered only with ADB All or any one of those may be taken except DB which is offered only with ADB All or any one of those may be taken except DB which i s offered only with ADB Supplementary Covers To provide insurance protection against few devastating conditions other than death, and to enhance insurance benefit in case of sudden accidental death, several Supplementary Covers are offered along with basic schemes.Supplementary covers include * Accidental Death Benefit (ADB) Provides for double sum assured in case of accidental death. * Permanent and Total Disability Benefit (PTD) Provides for full sum assured on happening of delimitate risks. * Permanent & Partial Disability Benefit (PPD) Provides for genuine percentage of the sum assured as per schedule on happening of the defined risks. * Dismemberment Benefit (DB) Provides for a certain percentage of Sum Assured as per schedule on happening of the defined risks. It is only offered with ADB. * Major Disease Benefit (MDB) Provides for 25% or 50% of S. A. upon diagnosis of a few specific life threatening diseases 4. 3. Exclusive Schemes These are schemes, especially designed for financial institutions, in order to secure their investment and adorn the product to make it attractive to customers as well as to protect interest of the client. Few examples are * Home Loan Insurance e. g Scheme for Home Loan Borrowers of Delta Brac Housing * Depositors Insurance e. g Scheme for Smart Plant Depositors of Dhaka Bank Ltd Premium For traditional schemes Premiums are usually payable annually in advance before commencement of insurance. For exclusive schemes A single premium is payable for the whole period of coverage before commencement of insurance. *Details about the schemes are provided with Insurance proposal of marriage How to get a Group Life Insurance intention? For Proposal fill in the Proposal Request Form and send it to us at our contract address For Quotation fill in the Proposal Request Form and send it to us at our contract address accompanied by the list of members to be insured with following details Sl Name cognomen Date of Birth Sum Assu red *If sum assured depends on salary, mention salary and craved multiple to determine Sum Assured Claims are settled to the concerned organization. 4. 4 Health Insurance Health Insurance Health Insurance is now considered indispensable in developed countries.In the present financial-social panorama of Bangladesh as well, Health Insurance has now become an essential, dependable, acceptable and the most cost effective means to make the modern treatment facilities affordable to all socio-economic classes of people, especially the fixed income group. As a start of Health Insurance in Bangladesh, Delta Life Insurance Company offers several Health Insurance Schemes, which are as follows 4. 4. 1 hospitalization (In-patient) treatment coverage plans * Hospitalization Insurance Plan (Group)- offered to Members of a group and their dependants (if desired) * Hospitalization Insurance Plan (Individual) offered to an Individual as well as his or her dependant family members also kn own as DeltaCare Hospitalization Plan. 4. 4. Out-patient treatment coverage plans * Out-patient Insurance Plan Offered as an adjunct to Group Hospitalization * Out-patient Management Plan Offered as an adjunct to Group Hospitalization 4. 4. 3 foreign treatment coverage plan for travelers * Overseas Medicliam Policy (OMP) A pre-requisite for visa application offered only to Individuals traveling abroad. 4. 4. 4 Hospitalization Insurance Plans * Covers in-patient (Hospitalization) treatment expenses of an insured member Expenses Covered under Hospitalization Insurance Plans * Hospital Accommodation * Consultation Fee * Medicine Accessories * aesculapian Investigations * Surgical Operation accessory function like Blood Transfusion, Ambulance Service, Dressing etc. General Features of the Scheme * No need for preliminary Medical Examination during enrolment. * Treatment coverage round the clock inclusive of Accidents and Emergencies. * Coverage offered to Bangladeshi National as well as resident foreigner. * Treatment at any renowned hospital or clinic by consultant of own choice. * Preferential service at Designated Hospital. * Direct payment of treatment expenses by the company at Designated Hospital. * Reimbursement of expenses for treatment at non-designated hospital. * Membership ID Card for each insured to facilitate preferential services. Option for pregnancy Benefit and Overseas Treatment coverage. * Provision for inclusion of pardner Children under the plan. * Provision for inclusion of new member under the plan. * Coverage up to 65 years under Group HI 60 years under Individual HI plan. * Two types of plans with several benefit grades to choose from. * Option to choose more than one grade according to status of the members of a group. * Option to alter benefit grade during renewal. Exclusion from Coverage Major Exclusions include * Congenital infirmity * Pre-existing condition for certain period * Psychiatric disorders and narcotic addictio n * Attempted suicide and self-inflicted injury * Dental Treatment Pre or post hospitalization expenses and out patient treatment expenses * War risk, civil commotion or hysteria * Routine health checkup * Treatment for family planning purpose, contraception and infertility 4. 4. 5 Group Hospitalization Insurance Plans Types of plan offered Standard Plan Distinctive Hospitalization Insurance Plan of Delta Life Customized Plan Tailored to the need and desire of the client. Standard Plan Five Grades of benefits are offered under standard plan to choose from Benefit per Hospitalization Benefit Grades Master billing Supercare Deluxcare Exclusivecare Royalcare Max. Benefit (Each Insured Per Year) Tk. 25,000 Tk. 45,000 Tk. 5,000 Tk. 100,000 Tk. 140,000 Hospital Stay (Maximum days) 10 12 15 18 20 Room Rent (Actual Expenditure upto a Maximum Amount Per Day) Tk. vitamin D Tk. 1,000 Tk. 1,500 Tk. 1,800 Tk. 2,000 Consultation Fee (Actual Fee upto a Maximum Amount Per Visit One Visit Daily) Tk. ccc Tk. 500 Tk. 500 Tk. 500 Tk. 500 Routine Investigations (Actual Expenditure upto a Maximum Amount) Tk. 1,000 Tk. 1,200 Tk. 1,400 Tk. 1,600 Tk. 2,000 Medicines Accessories (Actual Expenditure upto a Maximum Amount) In Case of Surgical Treatment Tk. 2,000 Tk. 4,000 Tk. 6,000 Tk. 8,000 Tk. 10,000 In Case of Conservative Treatment Tk. ,000 Tk. 10,000 Tk. 12,500 Tk. 15,000 Tk. 18,000 operating theatre (Actual Expenditure upto a Maximum Amount) Major Intermediate Tk. 12,000 Tk. 14,000 Tk. 16,000 Tk. 20,000 Tk. 22,000 Charges included for Surgeon, Assistant, Operation Theater Anaesthesia Tk. 6,000 Tk. 8,000 Tk. 10,000 Tk. 12,000 Tk. 15,000 Ancillary Services (80% of Actual Expenditure upto a Maximum Amount) Tk. 2,000 Tk. 5,000 Tk. 8,000 Tk. 10,000 Tk. 12,000 Premium (For each insured per year) based on Age Attained (in Years) Benefit Grades Master care Super care Delux care Exclusive care Royal care 18 to 35 Years Employee Tk. 600 Tk. 1,080 Tk. ,535 Tk. 1,920 Tk. 3,360 Spouse Tk. 510 Tk. 920 Tk. 1,310 Tk. 1,630 Tk. 2,855 35+ to 45 Years Employee Tk. 750 Tk. 1,350 Tk. 1,795 Tk. 2,160 Tk. 3,780 Spouse Tk. 635 Tk. 1,145 Tk. 1,520 Tk. 1,835 Tk. 3,210 45+ to 50 Years Employee Tk. 1,050 Tk. 1,890 Tk. 2,300 Tk. 2,640 Tk. 4,620 Spouse Tk. 895 Tk. 1,605 Tk. 1,955 Tk. 2,245 Tk. 3,930 50+ to 55 Years Employee Tk. 1,500 Tk. 2,700 Tk. 3,060 Tk. 3,360 Tk. 5,880 Spouse Tk. 1,275 Tk. 2,295 Tk. 2,605 Tk. 2,855 Tk. 4,995 55+ to 60 Years Employee Tk. 2,100 Tk. 3,780 Tk. 4,075 Tk. 4,320 Tk. 7,560 Spouse Tk. 1,785 Tk. 3,215 Tk. 3,420 Tk. ,670 Tk. 6,425 60+ to 65 Years Employee Tk. 3,150 Tk. 5,670 Tk. 6,113 Tk. 6,480 Tk. 11,340 Spouse Tk. 2,678 Tk. 4,823 Tk. 5,130 Tk. 5,505 Tk. 9,683 Each Child (Below 25 Years) Tk. 510 Tk. 920 Tk. 1,310 Tk. 1,630 Tk. 2,855 Maternity Benefit (Maximum Amount as per Benefit catalogue above) Benefit Grades Mastercare Supercare Deluxcare Exclusivecare Royalcare Normal address Tk. 5,000 Tk. 7,500 Tk. 10,000 Tk. 12,500 Tk. 15,000 Caesarian Delivery T k. 10,000 Tk. 15,000 Tk. 20,000 Tk. 25,000 Tk. 30,000 For Maternity Benefit, an Extra Premium 40% shall be charged on the Basic Premium of the beneficiary groupGroup Discount Schedule Size of Group Size of Group Uo to 100 Uo to 100 101 500 101 500 501 1000 501 1000 1001 2000 1001 2000 2001 Above 2001 Above No Claim Discount Schedule No Claim Years Discount on Renewal Premium One Year 10% Two Consecutive Years 20% Three Consecutive Years 30% VAT if obligate by government, shall have to be paid by the organization concerned. N. B. For large groups a fixed premium rate irrespective of the age is offered upon recieving the list of members to be insured. Customized Plan Benefit Schedule Premium Rate * Benefits desired has to be provided by the client A fixed premium rate irrespective of age is offered on receipt of the list of members to be insured. How to get a Group Hospitalization Insurance Proposal? * For Proposal accept in the Proposal Request Form and send i t to our contact address.. * For Quatation Fill in the Proposal Request Form and send it to our contact address accompanied by the list of members to be insured with following details. Sl Name Date of Birth *Status Benefit Grade *Status means rank of an employee or his relationship with dependant (spouse/children) Individual Hospitalization Insurance Plan * Bengali pamphlet * Proposal Form Overseas Mediclaim Policy (OMP)This is a distinctive Health Insurance Policy issued to travelers only. It is also a pre-requisite for Visa application of developed countries. The Policy is issued to Bangladeshi Nationals and extraterrestrial beings resident in Bangladesh Overseas Mediclaim Policy issued by Delta Life is universally accepted by all foreign Embassies and High Commissions in Bangladesh. Types of Policy * Plan A For tour any Country of the World (except USA Canada) * Plan B For visiting all Countries of the World Coverage under both Plan A Plan B exceeds 30,000 EURO tombsto ne Features of the Policy * Age Limit Policy issued to Individuals from the age of 6 months to 65 years. Nationality Policy issued to Bangladeshi and Foreigner Resident in Bangladesh * Covered Expenses Treatment expenses incurred for sudden and unexpected illness or accident while on tour abroad. * Maximum Benefit * Plan A US $50,000 (Fifty Thousand US Dollar) * Plan B US $100,000 (One Hundred Thousand US Dollar) How to take out an Overseas Mediclaim Policy * Fill in a Proposal Form. * Attach photocopy of the first five pages of the passport * premise required amount of premium in cash as per Premium Rate Chart. aim those these to Health Insurance Department at the Head office of Delta Life *Physical presence or Photograph of proposer is not required. *it takes only about 30 minutes to get an Overseas Mediclaim Policy. Proposal Form is also available at Head Office and Agency Offices of Delta Life Insurance Co. Ltd. d