Benefits of Risk Management Essay

1. More effective strategic planning  Effective strategic planning means the objectives set by the companies suit the company’s operations capabilities and the planning helps the company preserve its values and seek improvement. Risk management means coordinates activities to direct and control the organization with regard risks. The coordination between activities helps the company to communicate and understand the business activities as a whole, this will let the company understand the operation capabilities better and enable the company implement realistic strategic plan into organization 2. Better cost control – risk management set a objective acceptance of risk level. Company has a guide to manage risk and control negative consequence. – The cost benefit thinking is addressed by the risk management. In the past , companies think they have unlimited resources. Companies tend to transfer risks by buying insurance. Nowadays, risk management does not think transferring all the risks by insurance is enough as the competitiveness is increasing . Risk management provide more solutions, such as , avoiding risks, loss control, transfer part of risks not only by insurance but also by hedge funds and retain some risks( active retain is advocated). Company can save a lot of money by compare cost and benefit of different ways. – The risks management requires forward thinking. This will help the company to prevent downside risks and its bad consequences; also this will help company to catch opportunities to avoid opportunity cost . – greater trust, openness and transparency can be obtained by the company by applying risk management .Risk management requires company communicate with stakeholders(suppliers ,customers ,government, employees and shareholders) and different levels in the company. This will increase the supply chain efficiency and effectiveness. Also lower financing cost and regulation cost ( carbon tax) would be obtained. 3. Increased knowledge and understanding of your exposure to risks -The risks management requires the companies continual plan and manage its risks. Continual evaluation and monitoring control and environment is required. This process helps the company to learn more about itself as more experiences of dealing with same risks ,also it help the company forward looks its downside risks and capture opportunities. – Communication between different levels are required( risk management culture). 4. More systematic and thorough method of decision making -The risks management manage risks in a decentralized way by a centralized policy. – risk management set process of individual company to manage risks. The process enable company think in a complete way to manage risk. 5. Prevention rather than reaction to risks * The risk management requires the company to manage risks proactively rather than simply only reacting to the risks they face. This principle would help the company predict the risks and implement preventative control to prevent risks. * Risks management impose great emphasis on risks management culture. Each individual in company should pay attention to the risks. The effective communication between employees and management should be obtained. 6. Better preparedness for external review -Risks management aligns accountability to top managers . The managers have more pressure to work hard and act carefully. – The risk management processes greatly require communication with stakeholders and different levels within company. this will greatly improve the company’s understanding of different parties needs, concerns and issues . in this way , company can better meet expectation of external parties

Linux Case Study

Users can download it or free while proprietary software, like Microsoft, charges the user a fee to use. Linux is considered the largest collaborative project in history. 2) Should Microsoft consider Linux a threat? Why or why not? Yes, Microsoft should consider Linux a threat. Even though Microsoft continues to innovate, Linux has the power of worldwide programmers behind it. Businesses and governments are quickly switching to Linux for many reasons and if this trend continues, Microsoft could be left behind. ) How is open source software a potential trend shaping organizations? More and more, organizations are competing on a global scale. They need agile systems to keep up with ever changing business needs. Open source software is considered reliable, scalable and is extremely secure. It provides companies with an agile system that helps them respond to quickly changing customer needs and offers a competitive edge. The code is continuously improving and as issues arise, they are co rrected quickly. 4) How can you use Linux as an emerging technology to gain a competitive advantage?Many companies today are slow to utilize new technology due to cost or adversity to change. Just as consumer products undergo continuous improvement, so must business systems. It's easy for a competitor to gain a competitive advantage if a company doesn't upgrade systems and keep current. My employer is a company that is slow to change technology. They do extended due diligence to the point of beating a dead horse. By the time they decide to implement, new technology comes along and the process starts all over again.It's 2012 and they have FINALLY decided to implement ERP. A team was comprised and they are slowly working on how to best implement it. By the time it's actually up and running, something else will probably be â€Å"state of the art†. 5) Research the Internet and discover potential ways that open source software might revolutionize business in the future. As busines ses and governments become more transparent and accountable, open source software allows them almost total control over every day operations (www. Reveres. Com).

Migrations: 1700-1900 Essay

Many things changed and also remained constant during the time period between 1700-1900. These changes were the long-distance migration patterns, diversity of the new immigrants, and indentured servitude becoming the main way work was conducted. Although there was a lot of change, there were however things that stayed consistent such as who migrated and their motivation for migrating. Such migrations occurred from eastern regions like Europe, Asia, and Africa, and they would migrate to western regions such as the Americas. The Slave Trade Act of 1807, and the Slave Abolition Act of 1833 put forth by the British outlawed slavery in British territory, and both heavily encouraged other European countries to stop using slavery as their main work force. Due to this indentured servitude increased in popularity. Since the colonies no longer needed African slaves to conduct their work, African populations began to decline. This helped shift towards the use of indentured servants. This new opportunity attracted a large diversity of immigrants. Many new people came to the Americas looking for a new opportunity especially from Asia. So many Asian laborers came to the US that the US had to put forth acts to keep them out. The Chinese Exclusion Act is an example, and it prohibited the immigration of  Chinese laborers into the US. Many other things also attracted immigrants to the Americas. Some would migrate to the United States due to the â€Å"American Dream† and the ability to start a new life in which anything would be possible. Some would be forced to migrate due to factors in their homeland. One such example would be the Irish potato famine which started in 1845. Many Irish emigrated to places like North America after this occurred. Also in 1848 the California Gold Rush began. This would spark a migration within the United States to expand outward from the east coast across the nation. Since essentially people from everywhere in the world at this was migrating, it put forth new long-distance migration patterns. With all of the changes in migration at the time, many things did stay the same. The majority of people migrating still came from Europe. During the Potato Famine, approximately 1,000,000 Irish emigrated to the Americas alone; many others emigrated to places like England and Australia. Also people still migrated for the same basic reasons; they either were attracted to something in a foreign land, or were detracted from something in their native land. Indentured servitude was also used before this time. This form of work just had a meteoric rise in popularity and usage during this time period which makes it so significant. There was also still the migration of Africans during this time period; however, it was not nearly as large of a migration as the previous migrations that were for slaves. Due to the Emancipation Proclamation of 1863, slavery was abolished in ten states that were still in rebellion during the American Civil War. This  attracted many new Africans to the United States because of the new freedoms and the new opportunities that were now also available to Africans of the time. This also increased foreign opinion on the United States which increased migrations to North American countries such as the United States. Not all immigration occurred in the US though. Brazil continued to receive a large amount of emigrants as well. Europe, and especially Portugal underwent a demographic crisis due to the increased emigration to places like the U.S. and Brazil. People went to Brazil for the same reasons they immigrated to anywhere else too. The main reason was that Brazil still had a lot of new land to offer. The result of all of the migration was that 1850 was the start of what is known as the â€Å"Age of Mass Migration.†

Without the Economic Assistance of the U.S., Great Britain would of Essay

Without the Economic Assistance of the U.S., Great Britain would of Industrially Collapsed during World War II - Essay Example It also depicted some interesting facts about the Allied Victory and the different phases that Britain and America experienced. It was by the end of this very devastating war that America emerged as a new, popular and powerful nation in the world. Often the World War II is referred to as the â€Å"Good War† representing that in the war the good forces triumphed over the evil. Since every war has its aftermaths especially when it’s a widespread conflict and is quite destructive as was the World War II. The role of United States during the outbreak of World War II in 1939 had been quite neutral. However, when the Germany victories began to rise in Europe it was then that president Roosevelt considered being the ally of Britain and started seeking ways through which they can aid Britain while not indulging themselves in the war. Under its Neutrality Act initially by which only some cash and carry purchases were made by the belligerents, in the mid of 1940s it was declared by president Roosevelt to send US weapons to Britain in surplus amounts (Hickman n.d.).1. The support provided to Britain was increased in view of the devastating setbacks in the war when the Netherlands, Norway, Belgium, Luxemburg and France fell to Nazis. Although America had taken a stance on providing a split two-to-one favor and to remain out of the war at every cost even at the stake of Britain’s loss. However by the end of 1940 in November, America decided to aid Britain and to take the risk of a war (Cole 1983)2. This was even declared by the candidates running for the Presidential elections in America 1940 just three days before the elections that: â€Å"Our policy is to give all possible material aid to the nations which still resist aggression across the Atlantic and Pacific Oceans† (Roosevelt) and â€Å"All of us – Republicans, Democrats and Independents – believe in giving aid to the heroic British people. We must make available to them the products of our industry† (Willkie). Thus, showing America’s utmost interest in providing aid to Britain (Churchill 1949)3 By March, 1941 America had maintained its stance of staying away from war and kept its isolationist sentiment, while Britain kept on fighting the war alone. The effects of war on the financial standing of Britain were apparent, its financial assets were ending, the Commonwealth assets from overseas were also dried up, and it had no aid coming from anyplace. At that time it was only the Cash and Carry option provided by America that was available to Britain for buying the war supplies and under this it was using American destroyers to protect the shipments. It was quite evident from the conditions that Britain was reaching the stage of Bankruptcy. This soon led to the Lend-Lease Act of March, 1941 that made America an ally for Britain. Under this Act, Britain was given the privilege to buy the war good without having to pay America upfront for the go ods. Hence, Britain was given over $1 billion as aid at the end of the year believing it to be sufficient amount to keep Britain standing during the war time. It has been stated in the UK’s Guardian Unlimited that, under the American Lend-Lease Act, it transferred nearly $48 billion worth of war good to different nations during the period March 1941 to September 1945, out of which the aid send to Britain amounted to nearly $21 billion which nearly equaled to UKs entire years gross national product. The major good under the Lend-Lease included

Third Parties in California Essay Example | Topics and Well Written Essays - 2500 words

Third Parties in California - Essay Example But analysis of factual evidence will show that there has always been a need for political parties that work toward interests for the common good, ones that are often neglected by majority party leaders. Data shows the ongoing desire on the part of the voter to have third parties involved in all levels of politics (Gizzi. 2000). It is also easy to be opposed to third parties because of their lack of ability, generally speaking, to win elections. This paper will show that the future of third parties lies in their importance to the structure of society. They are vents for dissatisfactions. They provide avenues of discussion on issues of controversy. They challenge incumbents to reanalyze their positions (Nader. 2002). California's politics has long been considered liberal by anyone's standards despite the fact that there have been 32 Republican governorships to the Democrat's 17 (Nichols 1998). At one point in history the Republican party was considered liberal but its evolution toward conservative attitudes changed how people perceived the party (Cresap 1954). The contemporary Republican party again has the governor's post, but is generally regarded as more liberal than conservative in many areas. Recent news concerning abortion rights may push the image of the California governor back toward conservative lines, however. This paper shows the see-saw action of politics that is always trying to find balance within its culture. Third parties become more "radical" when the majority parties are perceived to have become more extreme, or too lax. If events occur that actually prove the majority parties to have been overly conservative, or liberal, then the public begins looking for alternative leaders. Progressives have made the mistake of ignoring the importance of governorship for too long and have now realized its importance. Even Democrats fell behind because of this failing leaving Republicans to scoop up governor positions throughout the country (Gizzi. 2000). In 2000, Pat Buchanan said, "At no time in history has voter allegiance to traditional political parties been at such a low." (Gizzi 2000) The distancing from voters' main concerns, the corruption and the same-old, same-old of the two majority parties has caused a lot of disinterest. According to Micah Sifrey in "Crashing the Parties . . ." the Reform Party has enough longevity and experience to offer up a many federal-level candidates. The City Council of Arcata, California, currently has a majority of Reform Party members. In 1996, 9.6m citizens voted for third party presidential candidates, despite the third parties' 'tenuous existence' (Sifrey. 1997). Two thirds of independent California voters have said that a two-party system is inadequate and a third party is needed, and a strong one may eventually evolve from the political situation in California today (Lesher, et al. 2006). "Or it might mark an entirely new political paradigm . . . a no-party state." (Lesher, et al. 2006) 1990 was the turning point when Democratic registration in California dropped below 50% for the first time since the 1950's. The electorate has now 2.3 more million voters and almost 90% are registered outside the two majority parties. Of the California registered voter population that numbers 16.5m, 6.7m are Democrats, 5.5m Republican and those who "decline to state" number

Commercial Contracts Essay Example | Topics and Well Written Essays - 3500 words

Commercial Contracts - Essay Example Unless the seller can proof that all the goods were defective, the buyer is entitled to decline such a move and seek for legal redress. Watchtower vs. Classic Gift Ltd The two partners entered into a contract, where Watchtowers Ltd was supposed to supply Classic Gift Ltd with both the antique watches and the cleaning oil. The latter owns several shops that specialize in the sale of such watches. The managing director of Classic Gift Ltd agreed on a contract with Matthew Achbold, who was the sales director at Watchtower. It is this contract that was supposed to bund the two parties, in ensuring that everything happened according to the stipulations therein. The challenge After the delivery of the goods to Classic Gift, it was found that some of the oil provided had some defects. According to the letter addressed to the sales director of Watchtower, the oil led to malfunctioning of some watches, which were cleaned. It is because of this issue that Julie Fitz thought that they were enti tled to compensation because of the losses incurred. In their reply, the Watchtower indicated that indeed one of the batches of oil supplied may have been contaminated or had defects. The sales director however appeared to defend the fact that the rest batches were up to standard. However, according to the letter addressed to the supplier (seller), the buyer wanted full refund of the money used to make the purchased. In addition to that, the seller insisted that they need to be compensated due to the number of watches that had been affected. For that, reason, apart from refunding the total amount of purchase, there was need to further pay 2,000 pounds. Discussion Prior to the purchase of the materials, Watchtower provided Classic Gift Ltd with a document 1, which provided the terms and conditions that would make the contract legally binding. Some of the stipulations were that for the contract to remain binding, both parties had to address each other in writing, and within some stipu lated period of time1. Secondly, the seller was supposed to ensure that he supplied goods that were free of any defects to the buyer. However, to facilitate this provision, the buyer on the other hand was supposed to inspect the goods sent to ensure they were of the required standard and quality, upon detection of any anomalies, the buyer is obligated to address the buyer in writing, giving their dissatisfactions in the goods2. However, such a complaint was supposed to be done within the first 14 days. If these days elapse, the buyer was not entitled to any compensation. As part of ensuring that the seller was compensated, the terms and conditions stipulated that, the seller would either get partial or full refund. In addition to that, the seller may be provided with another butch of goods that meet the required standard. From the above explanation, it is clear that Classic Gift Ltd was entitled to compensation. The letter addressed to the supplier was made within 14 days. The lette r highlighted the losses that the company had suffered due to the contaminated oil. According to Unfair Contract Terms Act 1977, it is imperative to ensure that the buyer of the goods proof reasonably that there was actually a loss that was incurred. Such a loss must be linked to the mistake done by the seller. In the above issue, it is outright that the seller was entitled to remedies. Firstly, it appears that the buyer may have had the knowledge that some of the oil supplied was defective.

Religion and Secularism Essay Example | Topics and Well Written Essays - 2000 words - 1

Religion and Secularism - Essay Example In one sense Secularism is understood as the case of absence of religion and in other sense as treating all religions equally. Thus, it is difficult enough to define secularism according to a single ideal and social, political and cultural conditions define the secularism in a particular context and area. The afore-mentioned aspect points out the origins of secularism from religion. As one of the concepts in understanding secularism is to oppose the religion in at least until some extent, the concept developed from religious context. Though the secularism has origins in religion, it is a political and social movement and retains a philosophical aspect. In many contexts, the philosophy is to oppose religion and this resulted in different type of applications of it in different situations. However, in any type of understanding the secularism a common opposition to supernatural and faith in god will exist. The concept of secularism and secularization differ as the secularization questio ns the role of religion in society and argues for sphere of knowledge. Thus in the course of questioning the religion, secularization opposes the presence of religious authorities and opposes their public authority. As a result, it catches criticism from the opponents of secularism or religious minded people. One of the important opposition is regarding favoring of explicitly basis for politics at the cost of another religion, which generally happens in developing countries like India, Pakistan and Gulf countries.

Race and Gender Essay Example | Topics and Well Written Essays - 2500 words

Race and Gender - Essay Example It starts by a guy (Han-Ki) spotting a young lady (Sun-Hwa) sited on a bench across the street and decides to sit beside her. His constant glare towards her makes her uncomfortable and she sees it as rude. She moves away from her and runs to greet her boyfriend. The man grabs her and forcefully kisses her, the witnessing soldiers intervene beats up this guy. She demands an apology, but the guy remains adamant. It leads to her spitting on him, introducing the hidden desire for obsession and vengeance in motion. It is revealed later that the impetuous, quiet gangster is a pimp. Later, the young girl in the street is implicated in a cash theft which lands her in a brothel. It would be unwise to assume that the theme of Bad Guy is about revenge; the plot revolves around the escapades between captor and captive and the director Kim seems not to be arriving at a particular theme. The beguilingly and controversial climax of the film leaves viewers with hard questions to ponder. Therefore, Bad Guy can be termed as an enigmatic piece of work displaying the common issues affecting the society inclusive of race and gender themes. Kim Ki-duk is known as one of the prolific directors in Korea. He is majorly recognized as a remarkable movie producer outside Korea with his movies receiving a number of international awards. For example, the film Samaritan Girl (2004) has gotten him a prestigious international award for best director in the Silver Bear awards. It is fascinating that despite Kim Ki-duk’s international identification as a leading movie director in Korea, back in South Korea his reputation is mixed with many controversies. He has many discontented detractors and a small flock of enthusiastic supporters. He is well reckoned for his unreserved and painterly images. However, many movie critics are displeased by his use of gruesome, shocking, voyeuristic, violent and bizarre images, inclusive of his

Answering the Quastion Essay Example | Topics and Well Written Essays - 1000 words

Answering the Quastion - Essay Example Domestic violence is a social crime because it leads to severe mental problems and psychological breakdowns due to which the victimized spouse is often considered as an abnormal person. Statistics make us think why mostly women are killers in homicides. The reason is the fact that when husbands physically or mentally abuse their wives, the latter develop such mental problems and anxiety disorders that lead them to kill their husbands and get rid of the abuse once and for all. It is not only a social crime but also a religious crime. Bible stops humans to be abusive toward their life partners. Chopp (239) states in her book, â€Å"†¦we recognize that the church is not immune to such problems as alcohol and sexual abuse.† God wants humans to spread peace and live with love, and nurture family system with care and honesty. Hence, domestic abuse is both a social and a religious crime. Question # 4 Christians have developed ways for thinking about those who are different, and this has lead to strikingly different kinds of treatment of different people. For Christians, it is the message of God to spread love and humanity, and to treat all people on equal basis. No person from another socio-economic or cultural background is inferior. No matter what the background is, all people should share the same status and respect. Christianity encourages thinking about different people in a caring way, which should include right kind of treatment of others. For example, America enjoys a diverse population, and people from different cultural, ethnic, and societal backgrounds live with each other. Students from different backgrounds study together in same schools, and this has lead to the promotion of equality and brotherhood. Christianity encourages that people should treat others with kindness, care, love, and concern, so that such a society must be established where no one feels insecure and unstable. â€Å"God has done God’s part and the rest is up to us,â €  says Moore (69). Hence, it is now our responsibility to devise and implement ways and strategies that should be able to treat all humans from different backgrounds on an equal basis. We should promote justice and fairness in the society, and should resist against racial, sexual, and gender discrimination. This is how different people are treated so that they feel loved and accepted in a strange society. Question # 5 We are living in a post-modern world. Post-modernism has made us understand the realities of life more distinctly and truthfully. It started in later twentieth century, and focuses on the reality of things from a critical point of view. Post-modernism also boosts feminism, and rejects the idea of women being kept at homes for household only. Modernism struggled against the home captivity of women, and post-modernism saw the liberation of women. Not only this, post-modernism has given new meaning to arts, culture, social norms, politics, agriculture, and economics. One aspect of post-modernism is that people are no longer ready to accept things as they are. They have started questioning the realities of life, and do not accept ambiguous realities. This has given rise to research and rejection of olden times’ myths and suppositions. For example, the existence of God has been debated upon in the post-modern world, and it has been proved with facts and logics. â€Å"

Fruit fly Lab Report Example | Topics and Well Written Essays - 500 words

Fruit fly - Lab Report Example On the other hand, the life cycle of the fruit fly is normally short. In this respect, it lasts for about 26 and 33 days for females and male flies. The life cycles could also be changed depending on the environment or specific mutations of genetics. At room temperature, the flies may take 10 days from egg to adult. This makes the fruit fly to be the best subjects for a research on genetics since multiple generation could be studied for a short duration of time. The fruit fly life cycle begins whenever an egg is laid by a female that is impregnated. The fly only gives out one egg at a moment. The hatching of the egg occurs within 22 hours, and the larvae mature in a period of four days (Manning 8). After this, the larvae would follow three stages up to the pupa stage. In this stage, pupal case is established, hardens and darkens in duration of 4 to 6 days. Lastly, the pupa changes to the adult stage. The male fruit flies have a body that is small with a black tip on their body’s end. The female fruit fly do have an abdomen that is pointed and are light compared to males. The prime objective the experiment involves the per formance of a dihybrid cross. Flies that were hybrid for two traits (dumpy wings or normal wings, black or normal body) together with two different eye color (wild red type and sepia brown) were provided for the experiment. The two were produced through the crossing of homozygous sepia-eyed flies, normal-winged, red-eyed flies and with dumpy. Prior study have shown out that dumpy wing mutation is an x-linked trait that is recessive thus carried by the x chromosome that determines the sex. Through a punnett square for the initial generation, the genotype that is expected and the ratio phenotype could be found. This is displayed in table 1. According to the table, 1, it is certain that the phenotype ration of the first generation is dumpy wing, half male, half female. This information can be used to generate a second punnett

Romeo and Juliet Movie Analysis Essay Example for Free

Romeo and Juliet Movie Analysis Essay Romeo and Juliet is a beautiful and romantic famous love story known through almost all over the world. Many producers have remade this dramatic story ad producers will get many ideas from this story to help them create their own. There was a movie made in 1996 and in 1968. These two movies are very unique in their own way. Many people like the original 1968 version, but others like the newer 1996 version better. Personally, I believe that the 1968 version was better story wise because it followed the ‘reality’ of the story better. In the 1996 version, they have more of a ‘today’ like scenes with cars, beaches, guns, and helicopters. However, in the 1968 version, it was more†¦ Romeo and Juliet like than the other version. This version had more of an olden day theme that I feel personally fit the story better. They had swords, older clothing, no cars, helicopters or beaches, everything was more in the time era that the famous love story took place. When and after watching this movie there was a lot that stood out to me when thinking about the love story that everyone knows or has at least heard of before. The things that stood out to me were on how well and closely related this movie was to the story I heard and imagined in my mind when I first heard it from my family. Another thing is that because of how the movie was made, really gave off a good intention that this was how the story went, and that many people would be able to think of this version first not only cause of how old this version is, but because of the realizations that the movie had towards the original story. Even though these two movies are about the same story, and have the same concept, there are many different things that contrast between them. In one version of the movie the music gives off a more energetic, suspenseful, action sound; while the other gives off a more mellow, sweet, calming, loving sound. In one version of the movie the characters play fairly different personalities than in the other. For example, in the 1996 version, Mercutio is a wild, crazy, histarical character who will do the weirdest things that draw you to fall in love with him before he dies. However, in the 1968 version, Mercutio is still a wild and histarical character and maybe a little bit crazy but he doesn’t have the effect on you to fall in love with him before he dies. In the 1996 version, Mercutio gives you a almost ‘welcoming’ atmosphere, while the 1968 version, Mercutio doesn’t give you that feeling. Many people will have their opinions on which movie version they liked better, which movie told the better story, which movie had the better plot, but Romeo and Juliet, the original 1968 version not only follows the plot and theme, but also gives you the way many people would’ve imagined it before they saw the new 1996 version. But if you are to see any Romeo and Juliet version first, I’d suggest the 1968 version so that you can understand better how things were back when Romeo and Juliet were star cross lovers, and where the story line fits the love story better for that more original taste.

Money, Power, and Wall Street Essay Example for Free

Money, Power, and Wall Street Essay The meltdown of 2008 struck the banks when they were unable to adequately deal with the financial crisis. Banks are designed to create and protect one’s wealth, but they took advantage of the people, and let people take many loaning risks that they couldn’t afford. Banks created the credit default swap which transferred credit of fixed income products between parties. In learning about the credit default swap in class, it is understood that the buyer receives credit protection, whereas the seller guarantees the credit. Therefore, the risk of default is transferred from the holder to the seller of the swap. But swaps allowed companies to shed the risks they didn’t want to take. When the banks first created the swaps, it gave investors the opportunity to invest in bank loans. From there, banks sold derivatives on all portfolios by synthetic investment. Investors were able to invest in credit default swap and make it grow. Credit then became a more available asset which stroke employment. Now all banks wanted credit derivatives; which are privately held negotiable contracts that allow consumers to manage their exposure to credit risk. The main problem with this was they assumed risk could be eliminated, but it couldn’t. In order to regulate derivatives, Congress passed the Glass-Steagall Act in 1933 to establish deposit insurance, and implemented a number of banking regulations. As learning in class, this affected every business in America. There was now a high rating, and high yield. The big return was bankers now bought bundled mortgages. Homebuyers were able to pay double, but lending was too much; making people going bankrupt in home mortgages. Borrowers gave loans greater than the value of that loan, which made the financial bubble burst, creating a recession. With bankers ignoring all the possible risks from the beginning, they feel into a deep crash. Goldman Sachs was the only bank to make money off the bubble burst by betting against their clients.

Vietnam Banking Industry: Customer Satisfaction Analysis

Vietnam Banking Industry: Customer Satisfaction Analysis It can be said that Vietnam is on the way of dramatic development and integration in global economic. Since Vietnam has officially become a member of the World Trade Organization (WTO), besides the advantages and opportunities, there have been still many challenges that Vietnam has to overcome. In recent years, Vietnameses banks have achieved many important achievements in innovation have grown larger and stronger than previous time. However, compared to the world, Vietnam banking industry is still small, modest, and inadequate. Undoubtedly, compared to 10 years ago, Vietnam banking industry has really been a remarkable growth. Firstly, banking system has mobilized and provided a large amount of capital to the economy, estimated about 16-18% of annual GDP (Vietnam Head Department Statistic 2008), nearly 50% of social capital. Credit growth has been increased during the year and in 2008 which was estimate to be approximate 24% that is 19% higher than in 2007. The banking system has also contributed to growth, the development, and economic stability in recent years. Secondly, Vietnams banking system had a comprehensive renovation. Many legal documents have been issued comprehensively, the policies about banking activities has been completed and consistent with international practice. Moreover, the discrimination between types of domestic credit institutions and the foreign ones has been gradually eliminated. Banks as well as credit institution have been autonomous and self-responsible. Competitiveness of credi t institutions has been enhanced therefore banking market has been developing safely and effectively. Thirdly, monetary policies have been renovated and operating under market principles with international practice. The indirect operating tools that manage monetary policies have been formed and developed. Interest rate policy and exchange rate flexibility have been adopted by the market mechanism. Credit policies have been expanded and made innovation in the direction of fairness and equality for all economic sectors, business, and all residents. 1.2 Customer satisfaction management in Vietnam Banking Industry Competitive trends in quality of banking product and services on financial and monetary markets increasingly urged Vietnameses banks to renew and continue to have effective customer policies and strategies in order to compete fairly with foreign banks. Thus, Vietnameses banks have ability to overcome the challenges that have been forecasted to be very fierce in coming time. Customer satisfaction management can be considered as an important point in cultural enterprise and cultural care, implementation of banks strategies towards customers in the context of globalization. Undoubtedly, currently when the difference in quality, design of banking services as well as the competitiveness of the products itself is no longer critical among banks, the determined factor is the quality of customer service. Aware of the important of increase customer satisfaction, Vietnameses banks have established customer satisfaction management in order to evaluate customer satisfaction on their products and services. Therefore, banks can improve their operations as well as consolidate their images in customers eyes, and banks can increase sales, market share, and position in the market. 2. Bank management studies on BIDV, Hochiminh City branch (HCMC) 2.1 Performance of BIDV, HCMC branch Bank for Investment and Development of Vietnam has a short name is BIDV, was established under the Conference No.177/TTg dated on 26/04/1957 of Prime Minister of Socialist Republic of Vietnam. HCMC branch which is one of the largest scale branches in BIDV system, has estimated assets VND 10,000 billion (BIDV annual reports). HCMC branch has high business performance with ROA ratio always above 1%. There are 313 staffs classified into 4 blocks these are credit, customer services, block of units, and internal management. Founded in 1977, HCMC branch is always pioneer branch and dynamic in BIDV system in development new products and services based on applying modern technology and customer-oriented. Recently, BIDV HCMC branch has been successful in the role of focal bank in arrangement of syndicated loans, co-financed investor in large scale projects. HCMC branchs activities in recent years have been customer-oriented, creating the best conditions for customers to access and use bankin g services more effectively. BIDV is one of four state-owned commercial banks so it is quite easy to understand why customers have high level of trust for bank. Based on the result of survey and research done recently to measure customer satisfaction, reveal that generally bank has been successful in bringing satisfaction to customers through the provision of products and services. The level of customer satisfaction varies from agree to fully agree. The measurement of customer satisfaction is based on the quality of services, number of products and services, and the continuity of using the services. The quality of services brings satisfaction to customers, they use the most services provide to them and they seem to be happier to use more BIDVs services. This result confirms the criteria activities cooperate and succeed that BIDV has done for years. Thus, the bank has been successful in bringing satisfaction to customers through the provision of products and services. However, this is also pressure for the bank f or better improvement what they have achieved. Therefore, the bank should promote further efforts to preserve and bring the highest satisfaction to customers. 2.2 Purpose of the study Nowadays, in the competitive environment, customers are crucial survival of the bank. The banks which are paid attention, interest as well as loyalty of customers, will capture market shares and develop faster. Business strategic direction to customers is becoming the most important strategies of banks. How to give customers the best satisfaction is always the problem that banks try their best to fulfill. Therefore, research customer satisfaction in the bank is an important work that has to be done regularly and continuously in order to meet their needs. Since then, they can serve customers better and make customers always be satisfied when using banks products and services. This study is not out of this purpose which aims to enhance customer satisfactions for BIDV as well as increase the quality of products and services supplied by BIDV. 2.3 Significant of the study The study presents the evaluation of customer satisfactions on products and services provided by BIDV HCMC branch. Thus, bank has a comprehensive glance on the products and services they are supplying to customers. Bank should focuses on business development strategies as well as the quality of products and services. Obviously, if the service quality does not meet customers demand, the customers will no longer to use it. From the evaluation of customer satisfactions, bank can realize clearly their strengths and weaknesses. From there, they continue to promote strengths and overcome weaknesses in order to improve the quality of services, increase customer satisfaction. 2.4 Limitation of the study The study has a positive contribution to the bank in understanding customers and identifying their position in the market, however the study still has some certain limitations as follows: The study focuses on group business customers therefore it cannot be the overview of the entire customers transactions in BIDV HCMC branch. The study only considers about the time used and the number of banks transactions, it does not find out all customer satisfaction in the connection with trading enterprises, financial potential and cultural factors. The study only focuses on evaluation of customer satisfaction of HCMC branchs services so it cannot assess on customers in the city and other locations as well as potential customers who are not using banking services. Based on these findings, this study can be improved with variety customer group, larger number of samples, wider research scale. 3. Model relevant to study 3.1 Introduction of Servqual model Managers in banking industry are under increasing pressure to demonstrate that their services are customer focused and that continuous performance improvement is being delivered. Given the financial and resources constrains under which banks must manage it is essential that customer satisfaction are properly met and measured and that from the customer satisfactions, any gaps in services quality are indentified. This information the assists a manager in identified cost effective ways of closing services quality gaps and of prioritizing which gaps to focus on a critical decision given scare resources. This study involves the use of Servqual model (Parasuraman, 1988) which is a popular model of quality research of services and the most common application in the marketing research. According to Parasuraman, the quality of services cannot be determined vaguely but it depends on sense of belonging to customers for such services and this perception is considered by many factors. Servqual model is built based on the evaluation of quality of services, which is the comparison between the expected value, expectation, and the value customers perceived. Servqual model considers two main aspects of services quality as a result services and the process of services which are studied through 5 criteria reliability, responsiveness, tangibles, assurance, and the empathy. Figure 3.1 SERVQUAL MODEL Reliability Responsiveness Customer satisfaction Services quality Tangibles Assurance Sympathy Sources: International Journal of Business and Management 3.2 Elements of Servqual Model 3.2.1 Reliability Reliability shows the ability to provide services accurately, on time, and credibly. This requires consistency in the implementation of services and respects commitments as well as keeps promises to customers. In the banking sector, this criterion is measured by customers through the following elements. The bank performs the services right from the first time. Banking services are implemented at the time they promise. Banking transactions are done correctly. Banks staffs are always ready to serve customers. There are always banks counselors at the table to help the customers. Banks statements are submitted regularly and promptly. 3.2.2 Responsiveness This criterion measures the ability to solve the problem fast, deal with customers complaint effectively and the willing to help customers as well as meet the customers requirements. In other words, responsiveness is the feedback from banks to what customers want. Banks staffs are available to assist customers. Bank provides services rapid, on time. Bank responses positively to customers requirements. Banks hotline for customer services is 24/24. Bank tries to solve problems for customers. 3.2.3 Tangibles Tangibles are the images of the facilities, equipment, machines, attitude of staffs, materials, manuals, and information systems of the bank. General speaking, anything that customers can see by eyes and feel by senses can impact on tangible. The bank has adequate facilities. Bank has modern equipment and machinery. Banks staffs look professional and dressed. Bank arranges the transaction counters, tables, and shelves scientifically and conveniently for customers. 3.2.4 Assurance This element creates credibility and trust for customers, which is considered through professional services, excellent technical knowledge, attitude courtesy, and good communication skills, so that customers can believe in the quality of banks services. Banks staffs serve customers politely, and courteously. Transaction documents are clear and understandable. Banks staffs always provide necessary services information for customers. Banks staffs answer customers questions clearly and accurately. 3.2.5. Sympathy Sympathy is the caring, consideration, and the best preparation for customers, so that they can feel as guests of the bank and are always welcome at any times, anywhere. Human factors are the core of this success and the more caring the bank gives to customers, the more customer understanding increases. The sympathy of banks staffs for their customers are expressed as follows: Banks staffs notices the needs of each customer. Customers do not have to queue for a long time to be served. The bank has convenience location for customers to have transactions. Banks ATM systems are modern and ease to use. Banks staffs treat customers kindly. 3.3 Summary and limitation of previous research and findings Through journals I have examined, research issues about customer satisfaction can be classified into 3 main categories including factors influence on customer satisfaction, the measurement of customer satisfaction, and the impact of customer satisfaction on business 3.3.1 Research about factors influence on customer satisfaction The research investigates the relationship between services quality, overall customer satisfaction, and behavioral intention across public and banks. The findings indicate that services quality is significant determinant of customer satisfaction in banking industry (Monica Bedi, 2010; M.Jun and S.Cai, 2010). However, different dimensions of services quality were found to be statistical significant across public and banks. The study helps banks to redefine their corporate image to one that is customer-oriented and driven by service quality. Research limitation concern the potential for the data inaccuracies due to item misinterpretation or predisposition to certain responses on the part of the participant does exist (Bedi, 2010). Similarly, the sampled data is one limitation which was collected from one organization (M.Jun and S.Cai 2010). Although, the purchasing department serves a wide range of internal customers and is involved in various purchasing activities, the dataset is limited by the potential lack of generalisability. 3.3.2 Research about the measurement of customer satisfaction The research provides method to measure customer satisfaction based on assessing customer perception of services quality in services and retailing organization. One of the most popular model is Servqual (Parasuraman, 1988) is based on the perception gap between the received quality and the expected services quality, and has been adopted for explaining consumer perception of services quality. In addition, the availability of customer satisfaction data from national indices has also facilitated the examination of the factors associated with aggregate level customer satisfaction (M.Ogikubo et al, 2009). Besides, the research points out the limitation of the Servqual is that the evaluation of services quality evaluated based on the expectation performance gap derived from Parasuraman 1988 is insufficient because much of the empirical research supported performance based measures of services quality (K.Ravichandran, 2010). 3.3.3 Research about the impact of customer satisfaction on business The research presents that customer satisfaction has an important impact on business which is determined factor in customer loyalty as well as customer retention (Harkiranpal S., 2006). Moreover, the research provides an examination of satisfaction-retention relationship, and the development of more comprehensive view of the customers quality perception (Hennig Thurau and Klee, 1997). Customer satisfaction positively affects an organizations profitability. Satisfied customers form the foundation of any successful business as customer satisfaction leads to repeat purchase, brand loyalty as well as positive word of mouth (Hoyer and MacInnis, 2001). 4. Methodology for study 4.1 Research design These terms quantitative and qualitative are used widely to differentiate both data collection techniques and data analysis procedures. Quantitative is predominantly used as a synonym for any data collection techniques or data analysis procedures that generates or uses numerical data. In contrast, qualitative is used predominantly as a synonym for any data collection techniques or data analysis procedures that generates or uses non numerical data. Three types of quantitative studies these include experimental approach, cross-sectional designs, and survey method. Because of limited time to complete collecting primary data, survey is an optimal method to collect research information. When using survey will give more control over the research process and sampling is used it is possible to generate findings that are representative of the whole population at a lower cost than collecting the data for the whole population. 4.2 Data collection Data can be obtained from primary or secondary sources. Data can be collected in a variety of ways, in different settings and from different sources. Data collection methods include interviews, questionnaires, observation, and variety of other motivational techniques. Questionnaire is the best way to collect the data about customer satisfaction because making an appointment for personal interviews or telephone interviews is difficult, even though impossible. Beside the personal information and customer characteristic (open questions), questionnaire is designed including 33 properties (closed questions) that build up the characteristic of banking services. It is presented on scale from 1 to 7 points (from lowest satisfaction to highest satisfaction about the components of banking service). It will help quantify the opinion of customers who were invested and use the questionnaire to verify and analyze the multivariable date in the valuable the satisfaction of customers later. The custo mers are also suggested to evaluate their own overall satisfaction in last question by giving the scores. 4.3 Data analysis After collecting all the data, the process of analysis begins. To summarize and rearrange the data, several interrelated procedure are performed during the data analysis stage. For quantitative data analysis, statistical tools of Microsoft excel and analytical software SPSS are used for data input and analysis. The statistic results were presented by graphical form with detail description. 5. Conclusion Customer satisfaction is not only vital factor but also the target that all banks want to achieve. Along with the increasingly strong competitiveness in banking industry, learning about customer needs as well as the factors affecting customer satisfaction has become essential. Therefore, this study is useful in proposed policies, development strategies of banks. In the service sector in general and banking sector in particular, the role of the meeting customer needs has an important implication that derives from the interaction between banks and customers as well as the positive impact that banks have. More specifically, if banks bring their customers the high customer satisfaction, customers will continue to use their services, support new banks products or services, introduce the bank to other partners, and become loyal customers. From there, they are contributing to increase sales, market share, and position in the market that are the targets any bank wants to achieve. This study researches customer satisfaction with the products and services that banks provide to customers. This thesis is presented through the survey of customer satisfaction. Survey results are reliable input source to marketing strategies and opportunities to help banks better understand customer needs, customers evaluation of quality of banks services. Therefore, banks can improve their operations and enhance customer satisfaction more effectively.

Family as Theater in Eudora Weltys Why I Live at the P.O. Essay

Family as Theater in Eudora Welty's Why I Live at the P.O.      Ã‚  Ã‚   The outspoken narrator of Eudora Welty's "Why I Live at the P.O.," known to us only as "Sister," intends to convince us--the world at large--that her family has "turned against" her, led on by her sister, itella-Rondo. To escape her family, she explains, she has left home and now lives at the P.O., where she is postmistress. As she delivers her monologue, the narrator reveals more about herself than she intends. We see her as a self-centered young woman who enjoys picking fights and provoking melodramatic scenes in which she is the center of attention. Not too far into the story, we realize that others in the family behave as melodramatically as Sister does, and we begin to wonder why. The story's setting may provide the answer: In a small town in Mississippi, sometime after World War II and before television, entertainment is scarce. The members of this family cope with isolation and boredom by casting themselves in a continning melodrama, with each person stealing as many scenes as possible.    The first-person point of view is crucial to the theme of Welty's story. It is both quicker and funnier to show that the narrator is self-centered and melodramatic than it would be to tell it. Sister is definitely the star in the melodrama. She begins her tale with "I," and every event is made to revolve around herself, even her sister's marriage:    I was getting along fine with Mama, Papa-Daddy and Uncle Rondo until my sister Stella-Rondo just separated from her husband and came back home again. Mr. Whitaker! Of course I went with Mr. Whitaker first, when he first appeared here in China Grove, taking "Pose Yourself" photos, and Ste... ...eful to show us, the narrator is not the only self-centered, melodramatic member of this family. Given the family history, we can be fairly sure that things will soon be back to normal. The narrator will move back home, and the family, welcoming the diversion, will no doubt find a way of turning her homecoming into a new round of excitement.    Works Cited Prenshaw, Peggy Whitman, ed. Conversations with Eudora Welty. Jackson: UP of Mississippi, 1984. Romines, Ann. "How Not to Tell a Story." Eudora Welty: Eye of the Storyteller. Ed. Dawn Trouard. Kent: Kent State UP, 1989. 94-104. Welty, Eudora. The Eye of the Story: Selected Essays and Reviews. New York: Vintage, 1979. ---. One Writer's Beginnings. New York: Warner, 1984. ---. "Why I Live at the P.O." The Collected Stories of Eudora Welty. New York: Harcourt, 1980. 46-56. Family as Theater in Eudora Welty's Why I Live at the P.O. Essay Family as Theater in Eudora Welty's Why I Live at the P.O.      Ã‚  Ã‚   The outspoken narrator of Eudora Welty's "Why I Live at the P.O.," known to us only as "Sister," intends to convince us--the world at large--that her family has "turned against" her, led on by her sister, itella-Rondo. To escape her family, she explains, she has left home and now lives at the P.O., where she is postmistress. As she delivers her monologue, the narrator reveals more about herself than she intends. We see her as a self-centered young woman who enjoys picking fights and provoking melodramatic scenes in which she is the center of attention. Not too far into the story, we realize that others in the family behave as melodramatically as Sister does, and we begin to wonder why. The story's setting may provide the answer: In a small town in Mississippi, sometime after World War II and before television, entertainment is scarce. The members of this family cope with isolation and boredom by casting themselves in a continning melodrama, with each person stealing as many scenes as possible.    The first-person point of view is crucial to the theme of Welty's story. It is both quicker and funnier to show that the narrator is self-centered and melodramatic than it would be to tell it. Sister is definitely the star in the melodrama. She begins her tale with "I," and every event is made to revolve around herself, even her sister's marriage:    I was getting along fine with Mama, Papa-Daddy and Uncle Rondo until my sister Stella-Rondo just separated from her husband and came back home again. Mr. Whitaker! Of course I went with Mr. Whitaker first, when he first appeared here in China Grove, taking "Pose Yourself" photos, and Ste... ...eful to show us, the narrator is not the only self-centered, melodramatic member of this family. Given the family history, we can be fairly sure that things will soon be back to normal. The narrator will move back home, and the family, welcoming the diversion, will no doubt find a way of turning her homecoming into a new round of excitement.    Works Cited Prenshaw, Peggy Whitman, ed. Conversations with Eudora Welty. Jackson: UP of Mississippi, 1984. Romines, Ann. "How Not to Tell a Story." Eudora Welty: Eye of the Storyteller. Ed. Dawn Trouard. Kent: Kent State UP, 1989. 94-104. Welty, Eudora. The Eye of the Story: Selected Essays and Reviews. New York: Vintage, 1979. ---. One Writer's Beginnings. New York: Warner, 1984. ---. "Why I Live at the P.O." The Collected Stories of Eudora Welty. New York: Harcourt, 1980. 46-56.

Its Time to Move Beyound Race Essay -- essays research papers

In Michael Omi and Howard Winant’s essay â€Å"Racial Formation†, we see how the tendency to assign each individual a specific race as misleading. This essay suggests that race is not merely biological, but rather lays more in sociology and historical perspective. Once we look at someone and say, â€Å"They’re white†, it brings forth all the stereotype’s that go along with that â€Å"race†, and once the race is assigned, it is assumed that we can know something about the person. Indeed, if we were to accept that people do fall nicely into specific races, it would seem to ascribe a sort of universality to the group. In other words, if a black man from Kenya was raised in Chicago, IL, rather than Kenya, due to his biological race, it could be assumed the way this man would act. This is far from the truth and much where the paper hinges. It would be safer to say, much in line with the â€Å"nurture vs. nature† argument that the society in which this black man from Kenya entered would affect him greater and adjust his attitudes than some sort of genetic clock-work. There would not be some sort of ancestral memory of how this man should act: his religion would be removed if he had no one reinforcing it in his life. This may seem to be an obvious example, as there are certainly some compelling arguments that may attribute certain specific biological facts to a certain group of people. For example, people of African decent are more likely to come down with sickle-cell anemia, directly related to gen... It's Time to Move Beyound Race Essay -- essays research papers In Michael Omi and Howard Winant’s essay â€Å"Racial Formation†, we see how the tendency to assign each individual a specific race as misleading. This essay suggests that race is not merely biological, but rather lays more in sociology and historical perspective. Once we look at someone and say, â€Å"They’re white†, it brings forth all the stereotype’s that go along with that â€Å"race†, and once the race is assigned, it is assumed that we can know something about the person. Indeed, if we were to accept that people do fall nicely into specific races, it would seem to ascribe a sort of universality to the group. In other words, if a black man from Kenya was raised in Chicago, IL, rather than Kenya, due to his biological race, it could be assumed the way this man would act. This is far from the truth and much where the paper hinges. It would be safer to say, much in line with the â€Å"nurture vs. nature† argument that the society in which this black man from Kenya entered would affect him greater and adjust his attitudes than some sort of genetic clock-work. There would not be some sort of ancestral memory of how this man should act: his religion would be removed if he had no one reinforcing it in his life. This may seem to be an obvious example, as there are certainly some compelling arguments that may attribute certain specific biological facts to a certain group of people. For example, people of African decent are more likely to come down with sickle-cell anemia, directly related to gen...

Malignant Melanoma Essay example -- Malignant Tumors, Nursing

Definition Malignant melanoma is a type of cancer arising from the melanocyte cells of the skin. The melanocytes are cells in the skin that produce the pigment melanin. Malignant melanoma develops when the melanocytes no longer respond to normal control mechanisms of cellular growth and are capable of invasion locally or spread to other organs in the body (metastasis), where again they invade and compromise the function of that organ. Description Melanocytes, embryologically derived from the neural crest, are distributed in the epidermis and thus are found throughout the skin. They produce a brown pigment known as melanin and are responsible for racial variation in skin color and also the color of moles. Malignant degeneration of the melanocyte gives rise to the tumor, melanoma, of which there are four subtypes. These are: superficial spreading, nodular, lentigo maligna, and acral lentiginous melanomas, accounting for 70%, 15% to 30%, 4% to 10%, and 2% to 8% of cases, respectively. Malignant melanoma may develop anywhere on the body. In men, it is most common on the trunk. In women, it is most common on the back or legs. The subtype also may influence where the tumor develops, lentigo melanoma is more common on the face while acral lentiginous melanoma is more common on the palms of the hand, soles of the feet, or in the nail beds. The locally invasive characteristic of this tumor involves vertical penetration through the skin and into the dermis and subcutaneous (under-the-skin) tissues of the malignant melanocytes. With the exception of the nodular variety of melanoma, there is often a phase of radial or lateral growth associated with these tumors. Since it is the vertical growth that characterizes the malignancy, th... ...r, et al. "NRAS and BRAF Mutations Arise Early During Melanoma Pathogenesis and Are Preserved Throughout Tumor Progression." Clinical Cancer Research 9 (December 15, 2003): 6483–6488. Rockmann, H., and D. Schadendorf. "Drug Resistance in Human Melanoma: Mechanisms and Therapeutic Opportunities" Onkologie 26 (December 2003): 581–587. Weinstock, Martin A. "Early Detection of Melanoma." JAMA, The Journal of the American Medical Association 284 (16 August 2000): 886. Whiteman, D. C., P. Watt, D. M. Purdie, et al. "Melanocytic Nevi, Solar Keratoses, and Divergent Pathways to Cutaneous Melanoma." Journal of the National Cancer Institute 95 (June 4, 2003): 806–812. Other Cancer Resource Center American Cancer Society. [cited June 20, 2005]. . Melanoma Patient's Information Page. [cited June 20, 2005]. . National Cancer Institute. [cited June 13, 2005]. .

Hair Dresser

Yesterday,the woman got a $50 coupon from one of her friend,and she use this coupon to a fancy Manhattan salon,with her coupon in hand,and the sun was shone happily,she sat in a purple chair,surrounded by glistening mirrors . As stylists fussed and buzzed around their well-heeled clients,and she saw the stylist walking toward her with a greeted smile. After the woman had settle down and he asked her what it was the hair that she wanted,she showed him coupled passages of hair styles she had ripped from magzines,and he seedmed to appreciate her pendant for trying new things. he was warren beatty in shampoo,holding his hair dryer with that certain movie-star swagger. And because of stylist appearance so the woman put her trust on the stylist hand,and fallin sleep. About thirty minutes passed,by the end of the qpointment,then the woman opened her eyes and looked into the mirro,she was astonished that the stylist had ruined her hair,and it looked totally bad,the woman then screamed†My hair! You ruined my hair! †The stylist looked scared and the stylist said†I’m so sorry,I apologize for all my mistakes,I accidently took a wrong bottle of dye and ruined your hair,and I could help you to dye your hair again if you want. †Ã¢â‚¬ yes! yes! The woman yelled out. Everyone was laugh at her,and the sun ouside the hair salon shone more happily.

An overview about food allergy

An overview about nutrient allergic reaction1-Cows milk allergic reaction can happen in childhood or babyhoodIntroductionThis essay gives an overview about nutrient allergic reaction detainments, inauspicious reactions of nutrient, the other types of nutrient hypersensitivity and the most of import clinical symptoms. Cow milk allergic reaction as an of import type of nutrient allergic reaction, the essay gives an thought about the prevalence of milk allergic reaction, particularly in UK. Besides, It discusses the implicit in mechanisms and the most of import symptoms of the both types of IGE mediated and non IGE mediated nutrient allergic reaction it gives two illustrations of clinical instances one is IGE mediated and the 2nd is non IGE mediated, the appropriate direction of both. The definition of nutrient allergic reaction as ( EAACI place paper 2001 ) provinces: â€Å" Adverse reaction to nutrient should be called nutrient hypersensitivity, When immunologic mechanisms have been demonstrated, the appropriate term is nutrient allergic reaction, and if the function of IgE is highlighted the term is IgE-mediated nutrient allergic reaction. All other reactions, antecedently sometimes referred to as †food intolerance † , should be referred to as no allergic nutrient hypersensitivity.Severe, generalized allergic reactions to nutrient can be classified as anaphylaxis †1-http eaaci.net/v2/resources/position-papersThe prevalence of milk allergic reaction or overawe milk allergy worldwide is variable, in UK, for illustration: â€Å" Milk allergic reaction is estimated to impact 2 % of babies and immature kids in the UK population. The prevalence of Cow milk allergic reaction ( CMA ) varies with age, with highest prevalence in early childhood ( 2-6 % ) and diminishing prevalence with increasing age. The incidence in maturity is merely 0.1-0.5 % . Persons with a household history of allergic reaction or familial sensitivity are more susceptible to develop CMA. Of the 8 most prevailing nutrient allergic reactions, cow ‘s milk allergic reaction is the most common to babies. It normally develops early in babyhood when susceptibleness is highest and shortly after exposure to overawe ‘s milk baby expression. Onset after 12 months is rare and the hazard of developing CMA is reduced by sole breastfeeding, but this may non forestall the hazard wholly. † ( 2 ) .2-http: //www.milk.co.ukCow ‘s milk allergic reaction is different from cow ‘s milk intolerances such as lactose intolerance and is caused by an inflammatory immune response to milk proteins. CMA is a complex upset and different milk proteins have integrated in the allergic reactions and they have shown to incorporate multiple allergenic antigenic determinants. There is a batch of amongst allergic persons for the peculiar proteins and antigenic determinants to which they react, so, allergic reactions to overawe ‘s milk are driven by more than one immunological mechanism. It is non a individual disease, but perchance involves different types of immunological mechanisms and by and large classified into IGE -mediated allergy and non-IGE mediated allergic reaction. how cattles milk be IGE mediated or non IGE mediated Cow ‘s milk allergic reaction ( CM? ) The history of IGE is: ‘In 1967, immunoglobulin E or IgE, was discovered by two separate research squads, by hubby and married woman squad, Teruko and Kimshige Ishikaza in the US and Gunnar Johanssen and Hans Bennich at Uppsala University infirmary. The squads could show a clear connexion between allergic symptoms and IgE antibodies. ‘3-Accessed 27/01/08 hypertext transfer protocol: // www.phadia.com/dia_templates/Page_2795.aspx3-a literature reappraisal4-report5-Compare and contrast IGE and not IGE6-Clinical presentations7-Immunopathology8-Diagonistic trials( History ) will be the first and of import measure, because of full history taking including household, yesteryear and environmental history.Without this we can non get down any probe and which attack can we get down because of probes in a batch of instances can non take to demand cause of allergic reaction. As AAAAI ( 2006 ) Work Group Report provinces † History pickings is one of the most of import diagnostic tools in medical specialty. In some instances it can be the most unequivocal one, particularly in the field of allergic reaction † -AAAAI Work Group Report: Allergy Diagnosis in Clinical Practice November, 2006 Majamaa ( 1999 ) demonstrated that skin spot testing was the most sensitive diagnostic tool in the kids studied with cow ‘s milk allergic reaction. They concluded that spot proving would significantly increase the chance of early sensing of cow ‘s milk allergic reaction and that verification of the diagnosing by the elimination-challenge process is indispensable in patients with negative trial consequences but a clinical intuition of nutrient allergic reaction. RAST trial for lgE antibody to peanut and so utilize ‘decision point ‘ informations to construe the consequence. If the value obtained is greater or equal to 14 KU/l this is implicative of go oning clinical responsiveness ( 90 % predictive ) and she should go on to avoid peanuts. For a value of 10 KU/l or less I would mention to a specializer Centre nutrient challenge ( ideally double blind placebo controlled ) . If she does non respond so she can re-introduce peanuts into her diet. Decision: Monitorization of specific IgE concentration for milk and casein by agencies of the CAP system in allergic kids to CMPs allows us to foretell, to a high grade of chance, clinical responsiveness. Age factor must be taken into history to measure the specific IgE degrees which are forecasters of tolerance or clinical responsiveness. Clin Exp Allergy. 2004 Jun ; 34 ( 6 ) :866-70. Cow ‘s milk-specific Ig E degrees as forecasters of clinical responsiveness in the followup of the cow ‘s milk allergic reaction babies. Garcia-Ara MC, Boyano-Martinez MT, Diaz-Pena JM, Martin-Munoz MF, Martin-Esteban M.9-Long term forecastAll of you have covered the subject of atopic eczema highly good. I would wish to mention you to two first-class reappraisals on the direction of this common disease. The reappraisal in Clinical Knowledge Summaries ( CKS ) outlines the intervention options including an first-class subdivision on therapies that are non beneficial.This reappraisal besides includes an first-class treatment on the function of creams, which everyone recommends despite the fact that good quality grounds for their usage is missing. CKS ( 2007 ) . Eczema – Atopic. [ Online ] [ Accessed 2nd April 2008 ] . Available from the World Wide Web: & A ; lt ; hypertext transfer protocol: //www.cks.library.nhs.uk/eczema_atopic/in_depth/management_issues & gt ; Here is an first-class recent guideline from the ‘Primary Care Dermatology Society & A ; British Association of Dermatologists ‘ produced in ( 2005 ) , which analyses compactly all facets of atopic eczema.You can happen this at: Primary Care Dermatology Society & A ; British Association of Dermatologists. ( 2005 ) Guidelines for the direction of atopic eczema. [ Online ] . [ Accessed on the 2nd April 2008 ] , Available from the World Wide Web: hypertext transfer protocol: //www.bad.org.uk/healthcare/guidelines/PCDSBAD-Eczema.pdf A peculiarly of import issue in the direction of atopic eczema is patient instruction and psychological. Remission of peanut allergic reaction can be predicted by low degrees of IgE antibodies to peanut in the first 2 old ages of life or decreasing degrees of IgE sensitisation by the age of 3 old ages. † Challenges in controlledsettings should be offered to allow patients, becausethe benefit provided to those who are no longer allergic clearlyoutweighs the hazard of a carefully performed challenge.Several of you justly indicate out the clip devouring nature of a DBPCFC and urge unfastened challenges.This is apprehensible, nevertheless, it is deserving emphasizing the importance of double-blind, placebo-controlled nutrient challenges in the diagnosing of nutrient allergic reactions and there is a really interesting paper from Hourihane et Al ( 2005 ) , which discusses the relevancy of this probe in item and which concludes that there is a hapless correlativity between the badness of reported reactions in the community and the badness of reaction elicited during low-dose DBPCFC with peanut. Hourihane J.O. , Grimshaw, K.E. , Lewis, S.A, , Briggs, R.A, , Trewin, J.B. , King, R.M. , Kilburn, S.A. and Warner, J.O. ( 2005 ) .Does badness of low-dose, double-blind, placebo-controlled nutrient challenges reflect badness of allergic reactions to peanut in the community? Clin Exp Allergy. [ Online ] . 35 ( 9 ) , [ Accessed 4th October 2007 ] , pp. 1227-33. Available from World Wide Web: & lt ; hypertext transfer protocol: //www.ncbi.nlm.nih.gov/entrez/query.fcgi? itool=abstractplus & A ; db=pubmed & amp ; cmd=Retrieve & amp ; dopt=abstractplus & A ; list_uids=16164452 & gt ;10 -Link the clinical manifestations to the underlying immunological procedures immunological procedure through the studya-Advice for the parents of the kid if the implicit in disease The WHO recommendations on the Prevention of Allergy and Allergic Asthma ( Dagli et al 2002 ) states that it is estimated that over 20 % of the universe population suffers from IgE-mediated allergic diseases. Asthma has an allergic constituent in more than 50 % of grownups and in at least 80 % of kids. Asthma is estimated by the World Health Organization ( WHO ) to impact about 150 million people worldwide, puting an tremendous strain on wellness resources in many states and is a major cause of hospitalizations for chronic diseases in kids in the western universe. Dagli, E. , Davies, K.H. et Al ( 2002 ) . WHO recommendations on Prevention of Allergy and Allergic Asthma. Based on WHO/WAO meeting on the Prevention of allergic reaction an allergic asthma Geneva [ Online ] . [ Accessed 13th July 2008 ] . Available World Wide Web. hypertext transfer protocol: //www.worldallergy.org/professional/who_paa2003.pdf b-IGE mediated disease c-Non IGE mediated disease d-How differences influence the psychological facets of the patients and kid ‘s lifeAtopic dermatitis:Cytrizine is really safe even in immature kids and it is effectual in intervention of atopic dermatitis as Simons ( 1999 provinces: â€Å" The safety of cetirizine has been confirmed in this prospective survey, the largest and longest randomized, double-blind, placebo-controlled safety probe of any H ( 1 ) -antagonist of all time conducted in kids and the longest prospective safety survey of any H ( 1 ) -antagonist of all time conducted in any age group St. simons ( 1999 ) Prospective, long-run safety rating of the H1-receptor adversary cetirizine in really immature kids with atopic dermatitis. ETAC Study Group. Early Treatment of the Atopic Child.J Allergy Clin Immunol Aug ; 104 ( 2 Pt 1 ) :433-40. , Histamine receptors H1 are located throughout the organic structure, largely on smooth musculus, vascular endothelial cells, the bosom and CNS. It mediates an increased vascular permeableness at the site of redness induced by histamine. H1 plays an of import function in allergic diseases. An illustration of this is on exposure to allergens in allergic coryza H1 receptors cause oculus, nose, pharynx, and roof of the mouth itchiness, rhinorhea, swelling of the deep sinusoids which leads to blockading of air flow, along with complex systemic turning away physiological reactions such as sneeze and the allergic salutation. ( 1 ) ( 1 ) P. H. howarth ( 2002 ) â€Å" The pick of an H1- antihistamine for the twenty-first Century † Clinical and Experimental Allergy reappraisals. 2 ; 18-25. ( online ) Available signifier the universe broad web. hypertext transfer protocol: //www.blackwell-synergy.com/doi/abs/10.1046/j.1472-9725.2002.00030.x Leukotriene receptor adversary ( LTRA ) are used for the care intervention of asthma and to alleviate symptoms of seasonal allergic reactions. [ 1 ] 1 ) Wikipedia ( online ) available from the universe broad web accessed the 18/05/08 hypertext transfer protocol: //en.wikipedia.org/wiki/Mast_cell_stabilizermast celldegranulation,

Maritime Domain Awareness

SYNOPSIS FOR PAPER 3 ON MARITIME DOMAIN AWARENESS AS A VEHICLE FOR EFFECTIVE NIGERIAN NAVY OPERATIONS GUEST LECTURER:Rear Admiral FD Akpan (Rtd) EXECUTIVE SUMMARY 1. This paper discussed the concept of Maritime Domain Awareness (MDA) in the strategic dimension involving the security and safety of the maritime environment. It further stressed that safety and security of the maritime environment are critical for national security and economic wellbeing of any nation. While it highlighted the prospects of Nigeria’s littoral, the paper was quick to enumerate that there was need to present effective patrols, improve maritime security and provide a conducive environment within the maritime domain for enhanced commercial activities and foster the development of Nigeria. 2. The prospect of Nigeria’s maritime domain is enormous due to the presence of huge mineral deposit; however, the paper highlighted some threats to Nigeria’s adequate utilisation of the domain. These threats include nation state threat, terrorism, trans-national criminals, pirates, environment pollution and illegal immigration. Of interest to the presenter was the loss of revenue, employment opportunity and environmental degradation as a result of these threats to Nigeria’s maritime domain. The paper stressed the need for the NN to imbibe the tenets of maritime awareness by acquiring critical response architecture for effective naval operation. Some strategies proposed by the paper to address these threats include the preservation of the freedom of the seas/waterways through effective presence, facilitating and defending commerce and facilitating the movement of desirable goods and people, while screening out dangerous people and goods. 3. The paper enumerated the ISPS code and Safety of Lives at Sea (SOLAS) as some international instruments for enhancing MDA. However, there was need to fuse information and intelligence between government agencies and private ector because sharing of common data bases has been identified as one of the key to the development of an effective MDA. In line with this development, the paper stressed the need for Nigeria to implement the provisions of these instruments as proposed in the code as soon as possible to meet international standards and practice. 4. Building capacity for MDA as posited in the paper could be enhanced through a bill and an enabling act, because the bill would seek to prov ide the national structures, roles and the various guide lines towards the actualisation of the instruments of the conventions on MDA. Though the maritime security Bill is before the national assembly, the paper suggested the partnering of the NN with other key stakeholders in making inputs. However, due to the inhibitive cost of MDA programmes which would cause strains in planning regimes, there is need to utilize the provision for partnership to build enviable capacities for MDA within the International Maritime Organisation (IMO) and other well advanced countries. As part of measures to build capacity towards effective naval operation through MDA, the NN would need to acquire some infrastructure to facilitate the monitoring of vessels that enter Nigeria’s maritime domain. These infrastructures include Port Vessel Traffic Management Information System (VTMIS), coastal VTMIS, Automated Identification System (AIS), Long Range Identification and Tracking (LRIT) and Radio, Radar and Telecommunication system. 5. The strategic approach adopted in the paper for MDA involves consistent domestic and partner-initiated programmes, as well as significant regional collaboration given the trans-national character of most threats and vulnerabilities. Hence the proposal in the paper is a strategy incorporating regional and global realities. However, to achieve the appropriate MDA, understanding the implications of threats would help stakeholders and government to better appreciate their respective roles. 6. The paper was also of the view that while the NN within its premises could provide the wherewithal to educate her personnel on the tenets of the code, the government must compliment the efforts of the NN with the acquisition of the right size and type of ships and platforms. Also, it was opined in the paper that in the short term timeline for the NN to provide the adequate response as required in the MDA strategy, the Forward Operational Bases would have to be developed appropriately to meet the demands of MDA. The development would involve construction of jetties; logistics support facilities and other infrastructures to support helicopters operation. While the long term suggestion in the paper was the phased refit of NN warships. The paper was of the view that the losses to the government could be reduced if the funds for the refit and acquisition of NN ships were provided. However, the paper stressed that the personnel are the greatest assets towards the realisation of effective MDA. Consequently, there was need for the NN to appropriate the right skills towards the management of the equipment required to actualise the regime. VERBATIM REPORT OF INTERACTIVE SESSION 7. The discussion session was conducted by the following resource persons: a. V/Adm J Ayinla (Rtd)-Moderator b. R/Adm OS Ibrahim-Discussant c. R/Adm J Kpokpogri-Discussant d. AVM Atawodei-Discussant e. Cdre IE Ibas-Discussant MODERATOR’ OPENING REMARKS 8. The moderator commended the presenter for doing justice to the topic. He stressed that maritime domain has been given several definitions, but most of the definitions had missed out one part of the definition. According to him the earth spherical and 70 per cent of it is covered by water. He further stressed that the underwater aspect of maritime domain has always been ignored. He then posited that discussants should pay adequate attention to the underwater aspect of the maritime domain. He stated that vision 20 started in 1979. However, timeliness had been a problem in the NN. He posited that NN had continued from where it was in 1979, the NN could have gone far. CDRE IE IBAS 9. The first discussant was Cdre IE Ibas. He thanked the CNS for giving him the opportunity to comment on the presentation. He acknowledged that the presentation was comprehensive, apt and the definitions of the variables of Maritime Domain Awareness (MDA) suited the theme of the conference. He stated that the presenter understood the goal of MDA as the early identification of threats at sea. According to him, the United States was the frontline proponent of the concept of MDA at all levels with the vision of multi layer domain picture involving identifying picture and observing known pattern of vessel movement in the MDA. 0. The discussant stressed the need for Nigeria to pursue an aggressive maritime domain culture. He further highlighted that Nigeria needs MDA in order to achieve 20:2020. The discussant emphasized that the SWOT analysis of the presentation gave an expose of the maritime environment. It was highlighted that MDA must go beyond platform sensors, consequently automated d etection system could be the basis for MDA as they could be employed for activities at sea. According to the discussant, the threats of terrorism are not as potent as militancy in Nigeria. Therefore, according to the presentation, all efforts could be geared towards addressing the potent threat of militancy. The militant attack on Atlas Cove was used for illustration. 11. The presentation also identified man as one of the key element in achieving MDA. However, the present attitude of personnel to attain MDA was stressed. The discussant enumerated the conditions that were prevalent in the 1980’s when the NN had been involved in arresting smugglers and pirates. The discussant stressed that the NN may not achieve the required rchitecture for MDA with the present behavioural attitude of the personnel. However, the discussant stressed that it was gratifying to note that the NN through the RMAC in the NN Base, Apapa through the installation of the Automatic Identification System (AIS) was making positive progress in MDA. He opined that the RMAC could be installed on NN helicopters. He was of the opinion that greater interaction was required between partners and stakeh olders. However, the challenge of inter agency and service rivalry would need to be overcomed in order to achieve MDA. R/ADM J KPOKPOGRI 12. The second discussant was R/Adm Kpokpogri. He thanked the CNS for finding him worthy to discuss this paper. He commended the presenter for a well delivered paper. The discussant stressed that he would look at the paper from one angle. He stated that the United States and the European nations started MDA. It was necessitated by the need to stop drugs trafficking and other illegal activities perpetrated at sea. 13. The importance of the NN is yet to be fully appreciated because the NN lacks the necessary platforms to cope with the present challenges. According to him, the NN needs new platforms in order to cope with the challenges. He stressed that it was alarming to note that about 80 per cent of ships operating in Nigeria’s water are not registered. Consequently, he posited that there was need for the NN to synergise with NIMASA and other maritime agencies such as DPR and NNPC on observation of certificate carried by vessels in our maritime environment in order to enhance efficiency. 14. According to the discussant, there was need for all involved in maritime security including retired senior officer to help the NN in repositioning her for the challenges. According to the discussant, Nigeria’s sub region is dominated by franco phone countries, consequently, he made some prayers for the NN to consider. The prayers made included the introduction of french language to enhance cooperation in the sub region, establishment of MDA watch in ENC and WNC and the need to involve foreign stake holders like the US and UK in perfecting MDA in Nigeria. R/ADM OS IBRAHIM 15. The third discussant was R/Adm OS Ibrahim and he stressed that he would look at the presentation based on 3 premises. The discussant highlighted his assumptions as: . It is upon the NN under the providence of God that the prosperity of the nation rest. b. Patrolling Nigeria’s EEZ is the only safe guard for control. c. Even if the money and resources required are made available today it will take a min of 5 days to achieve the much required state. 16. According to the discussant, MDA in line with vision 20:2020 would eradicate poverty, bring about peace and developmen t. He stressed that MDA could guarantee full security of the maritime domain, make waters safe and attractive for investment. He was of the view that the presenter was modest in his recommendations, however, he stressed that the presentation omitted logistics ship which was important for presence. 17. The discussant stressed that US mentioned capability gap in the regional maritime domain. To cover the gap, the US installed the RMAC in Nigeria. He further stressed that he was pursuing collaborative effort to enhance the utilisation of the RMAC. Consequently, the NN was able to organise a capability awareness discussion on the RMAC with representative from NPA and NIWA including the Director General of NIMASA. He was of the opinion that Nigeria’s maritime agencies would need to cooperate better in order to achieve the objectives of MDA. AVM ATAODE 18. AVM Ataode structured his discussion into 2 parts. He raised some observations which included: a. Was it the first time the NN was discussing MDA? b. He corrected the mistake on the deadline for compliance with ISPS code on para 25 from 21September to 31 July 2009. c. Why has Nigeria not passed its own bill as was done in Ghana. 19. He stressed that the focus for MDA would be on early detection by radars and radios. Consequently, he opined that the NN could set up a task force in determining NN capability on MDA. He stated that MDA could make the sea transparent and continuously available. According to the discussant, PICOMMS came about as a directive from IMO that all maritime nations should put in place a body to oversee the implementation of the ISPS code. He further enumerated that the government organisations were the ones defaulting in the implementation of the ISPS code, however, he stressed that 65 facilities have been declared compliant by the relevant authority. Most compliant facility was Niger dock while the least was the Atlas cove in Lagos. 20. He stated that the contract sum for COMMARAS was over bloated to the tune of 250 million euros, leading to the re-evaluation of the contract. He emphasised that PICOMMS was not meant to be a permanent establishment. According to him the COMMARAS was to be installed at 11 stations, with 93 personnel to man each radar stations. However, some of the locations of these radar station sites are uninhabited. PICOMMS has procured the DA 42 Opale Twin Star and King Air 350 aircraft. CONTRIBUTIONS FROM THE FLOOR 21. Cdr Oluwagbamila. MDA is not an end in itself but a means to an end. Do we have a maritime security policy? Efforts of the government in achieving MDA were borne out of external influence. ISPS by IMO code and AIS by US, there was need to harmonise the 2, because both are meant to achieve the same goal. 22. R Adm Arogundade. MDA is a subset of the policing role of the NN. The absence of training in policing role has affected the capability of young officers from appreciating the recent challenges in policing functions. 23. Capt Carew (Rtd). PICOMMS primary duties is to coordinate international shipping and ports facility. The absence of a senior naval officer could act as an impediment to the functions of the agency. 24. R Adm Adedeji. Real MDA is what is happening at the national high command. Real Change has to come from the political masters. 25. Capt Okunbor. He suggested that papers presented in the CONSAC be forwarded to the national planning committee on the implementation of vision20:2020 as the NN repositions itself for development. 26. Sen Olajumoke. He stressed a point that his duty was to be present for the whole deliberations in order to tow the line of developmental needs of the NN. He noted Capt Carew’s suggestion. He had expected that someone would have reacted on the opinion of the first discussant. PRESENTER 27. The presenter agreed with Cdr Oluwagbamila in working out the terms for maritime strategy, he cited examples with the US. He stated that there was need for the NN to be in charge with issues bothering on maritime security. MODERATOR 28. In summarising the session, political will was needed from the national authority from where national aspiration derives all that needs to be done. He wanted to know the authority to deliver maritime security. He stressed that the national prosperity of Nigeria is dependent on sea power and NN. Also, he stressed that there was consider previous threat appreciation in order to re-align it. Failure of the NN could be hinged on inability to ensure deterrence. In this regard, he highlighted the absence of a compact force and capability of visual deterrence. He further stressed the sophistication of the militants in Nigeria was affecting capacity development for adequate MDA. 29. He enumerated that the budget for maintenance of ARADU was not enough to ensure 15 per cent availability of the ship. According to him there was need for the NN to come up with a plan to growth within a time frame say 2010, 2020 or 2030. Also, in his opinion, discussions bothering on ships could involve training considerations and motivations. These would ensure that the personnel are adequately motivated. The issue of 100 ships for the sub region was raised. He opined that, if Nigeria has to be relevant, Nigeria would have to provide at least 60 ships. In this regard, if Nigeria was to be among the 20 most developed economies, she was to develop her national and sea power. 30. Finally, he stated that the NN does not have the right platforms to counter the present threats in our maritime domain. He opined that the NN could realise effective naval operations through better inter-agency cooperation between the NN and PICOMMS, and also that the NN could rely more on force multipliers for early detection and countering of threats. POSERS FOR PAPER 3 1. How can the NN in collaboration with other stake holders in the maritime sector implement measures to achieve MDA? 2. How can the NN harness her FOBs for improved MDA? 3. How can a framework for setting up a dedicated body structure that would be responsible for coordinating MDA in Nigeria? 4. Identify the factors militating against effective MDA in Nigeria with a view to proffering solutions. 5. Based on an identified structure, does the NN need to pursue an act of parliament? 6. Is there an enabling act for effective MDA or are the existing terms good enough for an effective MDA? 7. Identify sources through which dedicated funding for MDA can be achieved outside government sources. 8. What strategies can be adopted by the NN in effectively combating identified threats so as to sustain effective NN operations? 9. Identify policies for implementing MDA and suggest ways of making them more effective. If none, suggest policies. 10. What infrastructures can be put in place to facilitate effective monitoring of vessels? 11. In what ways can partnership with the various stakeholders be harnessed towards achieving MDA? 12. In extending her influence to cover the Gulf of Guinea, what asset mix would the NN require to be effective? 13. What strategies can be adopted by the NN to ensure that personnel are adequately enlightened or trained on MDA? 14. In what areas should the NN key into or make input towards the proposed maritime security bill in order to ensure that the interests of the service are guarded?

Focus paper: Teenage pregnancy Essay

There are many issues that are arising in the United States. These issues seem to catch media attention but they are publicized so much that teens believe it is all in fun. They don’t understand that doing drugs does not lead to fun partying. Becoming a dealer is not a quick way to cash it’s a quick way to death. Committing suicide does not make everything easier. The only person you took the pain away from was yourself. The media captures all these fun moments that people do with only a little bit of the bad. Teenager’s girls see all these other girls on T.V raising a baby and they think â€Å"hey I can do that.† Then reality kicks in and it is nothing like how it was on T.V. There are many issues among teens in the United States, but the focus on this paper is going to be following teenage pregnancy. In today’s society when someone hears that a young girl is pregnant they automatically think she was sleeping around. People jump to the conclusions and they don’t take time to realize there are many other causes for teenage pregnancy than the girl sleeping around. The reality of it is there are actually five major causes to teenage pregnancy. Peer pressure, underage drinking, glamorizing teen pregnancy, lack of knowledge and sexual rape are the five major causes of teenage pregnancy. Peer pressure is a cause for almost anything involving teenagers; whether it be for drugs, drinking or sex. Teenagers often feel pressure to make friends and fit in. Many times these teens let their friends influence their decision to have sex even when they do not fully understand the consequences. Teenagers have sex as a way to appear cool and to fit in, but in some cases the end result is an unplanned teen pregnancy. According to the Kaiser Family Foundation states that more than 29 per cent of pregnant teens reported that they felt pressured to have sex, and 33 percent of pregnant teens stated that they felt that they were not ready for a sexual relationship, but proceeded anyway. When peer pressure is involved to have sex that usually means that drinking is involved as well. Underage drinking is another cause that leads  to teenage pregnancy. Teen drinking can cause an unexpected pregnancy, according to the website Love to Know. Many teens experiment with drugs and alcohol. Drinking lowers a teen’s ability to control her impulses, contributing to 75 percent of pregnancies that occur between the ages 14 and 21. Approximately 91 percent of pregnant teens reported that although they were drinking at the time, they did not originally plan to have sex when they conceived. Peer pressure and underage drinking go hand in hand with teenage pregnancies. One leads to another which causes an unexpected pregnancy. Out of the other three causes glamorizing teenage pregnancy and lack of knowledge also go together. The movie industry and the media contribute to teenage pregnancy by glamorizing teen pregnancy in movies. Movies that show teen pregnancy as something to be desired encourage teens to engage in reckless sexual activity, according to ABC’s â€Å"Good Morning America.† During adolescence, teens become more focused on their appearance and how people view them. Teens see on T.V that there same age are having cute little babies so they go out and have sex without being fully educated in what that really is. Teenagers who are uneducated about sex are more likely to have an unintended pregnancy. Some teens do not fully understand the biological and emotional aspects associated with having sex, according to DailyRecord.co.uk. Many times, teens do not have the knowledge needed to make informed and responsible decisions abo ut whether or not to engage in sexual activity that can alter their life. Social media is not helping teenage pregnancy it is only causing young girls to go out and try it. The last and final cause for teenage pregnancy is rape. Teens can become pregnant as a result of sexual abuse or rape. The Guttmacher Institute states that between 43 and 62 percent of teens acknowledge that they were impregnated by an adult male, and two-thirds report that their babies’ fathers are as old as 27. Approximately 5 percent of all teen births are the result of a rape. People in society need to realize that teenage pregnancy is a big issue today. Many of these young girls don’t finish high school. Teen pregnancy greatly affects education. Only 51% of teen moms have a high school diploma. The number for those who didn’t have a teen birth is closer to 89%. Parenthood is the leading cause for teen girls dropping out of school. Teen moms are extremely unlikely to go to college. Only about 2% of young teen moms ever get a higher education degree. Statistics show that In  the United States, there are nearly 750,000 teen pregnancies each year, that’s about 2000 a day! . It’s estimated that about half of Latina and African American teenagers will be pregnant a t least once before they’re 20.Raising a baby can cost up to $10,000 in the first year alone. About 80% of teen fathers don’t marry the mom. They also contribute very little to raising the baby. On average, teen dads pay less than $800 a year on child support. Teenage pregnancy is an issue just like drug use and alcohol abuse that needs to be looked into. There is no way to stop teenage pregnancy. Talking to teens about it is not going to stop them when they are at a party and alcohol is involved. Instead contraception’s should be provided in public bathrooms, schools and encouraged to be available at home. Many believe that providing protection in schools will only encourage teens to have sex. Reality is they are going to have it whether there is protection or not, so why not provide them the right choice of using protection. Maybe if protection is provided there will be less unexpected pregnancies in the United States.