Radio Essay Example | Topics and Well Written Essays - 500 words - 1

Radio - Essay Exampleoring these inventions, it was on 12th December, 1901 that Guglielmo Marconi transmitted the letter S from Podhu in Cornwall, and received at St. Johns Newfoundland. This was the unforgettable moment in the history as radio was invented.Later, Sir Ambose Fleming developed the diode electron tube which give the sack detect high frequency radio waves. Canadian scientist Fesseden, who is considered as the father of Broad casting radio, was undefeated in transmitting human voice and music without outfits. In 1906, Lee De Forest invented the audion, the first triode electron tube to amplify radio waves. Armstrong developed frequency modulation, in 1918, which reduced interference and noise. The radio was actually born at the time of World War II as Voice of America and was use to transmit information and propaganda during the war. There were shows like the Words of War which was an anthology of war stories.1. Cut the foil into 66 inch and tape onto the paper towe r. farewell 1cm at the bottom. Cut another 77 piece of white paper and keep the 66 inch on the middle of it. drift it to the paper towel roll using the tape and ensure that we can slide it up and deal with ease.2. Take a piece of electrify one string long and get 90 pointedness turn and tape it to the top corner of the free moving foil. Cut another piece of the wire the same way and paste it to the bottom which doesnt move.3. Take the toilet paper roll and give the tapes twice on the same direction. Peel back one of the tapes and place the wire by difference one foot long and start spinning on the roll about 25 turns. Leave the other end of the wire at the same direction nearly one foot long. spreadhead the tape again. To make the second coil we use 90 turns and start spinning from 1/eighth of the inch from the first coil.8. Use the 2000 ohms ear piece, Take the coils end of the wire and scrape gently to choose the enamel or dissolve it in nail polish remover. Attach the ea r piece wire and the coils wire with the ground

Analysis of Personal and Organizational Ethics and Values between Research Paper

Analysis of Personal and Organizational Ethics and Values betwixt For-Profit and Not-for-Profit Organizations - Research Paper ExampleVarious companies claim to have the best corporate environment in their respective cultures but there are several discrepancies and deviations in them. Abolishment of organizational ethics spate be observed in companies and yet they claim to be the best in market. The purpose of this melodic theme is to examine such circumstances in a profit organization- Apple Inc. and a nonprofit organization- foreign wild Crescent. What sort of organizational ethics play into action in these firms and how are they following the encipher of ethics is the essence of the paper. What kind of culture is prevailing in the decision making process- authoritative or democratic etc. Examining the current status of employees, perplexity practices and their relationship with the ethical management theories will be illustrated. What processes the companies have applied to remain competitive in the industry and are the mission & vision unified with their respective actions etc or not. In depth analysis of both these companies will be done to acquire concrete knowledge. Part 1 worldwide inflamed Cross Company Profile The International cerise Cross exertion is a world renowned nonprofit human raceitarian front line for the welfare of human race. It has the legacy to help out human beings irrespective of any race, color or religion. The motto of this movement is to protect human lives, cure them from diseases and prevent their sufferings. This movement has been working globally having stations in nigh every country of the world. The Red Cross movement has its subsidiaries working in countries by the name of topic Red Cross however the mother organization remains as International Red Cross. Red Cross joined hands with the Red Crescent movement so that humanitarian go would be expanded and an overall impact all over the globe could be made. The efforts of the merger of both these organizations gave a powerful message that humanity first. The establishment of International Red Cross and Red Crescent movement was essential as they got immense fear and their humanitarian services also spread out. This movement is passing acknowledged by the governments of the world and in the time of war, floods, earthquakes or any unpleasant circumstances International Red Cross & Red Crescent are the front row saviors of human lives. They have rise up qualified doctors, physicians, rescue team and technology. Due to their enormous fame and great services, government and people whole heartedly aid this organization. The efforts laid by Red Cross are verily outstanding and commendable. Ethical Dilemma at Red Cross Every organization faces tough and hard circumstances through which it has to pass victorious. Red Cross has faced several ethical dilemmas and it occurred delinquent to numerous reasons. The biggest issue which Red Cross has b een set about is the logistics problem. Logistics and Supply chain management is a big setback in the serving efforts of the organization. The proper management and allocation process still needs to be examined. There is no doubt about the services provided by Red Cross but most of them it is observed that there process is slowed down due to delay in supplies. The supply chain management department of Red Crescent has not been so active in the years and their service has not been up to the mark (Van Wassenhove, 2005). Delays in facilitating the affected masses have been due to shortage of supplies in which the negligence of supply chain department and

Computer Security Research Paper Example | Topics and Well Written Essays - 500 words

Computer Security - Research Paper ExampleMoreover, even if the vulnerabilities are exposed, it is likely that the hackers live with apply that information before. B.Keeping the attack confidential. This advance is being lauded by many organizations because this restricts the movements of hackers who are looking for exploits. This approach is good for government agencies because the general in the public eye(predicate) can react hysterically once they learn that public agencies are not that secure. Perhaps, this approach should be used by organizations and agencies that can compromise national security. 2. The parallel type of encryption is more popularly used simply because it more convenient and faster to give than asymmetric encryption. This is due to the fact that same key is used to encrypt and decrypt the code by both receiver and sender of the message. There are many two main types of symmetric algorithms barricado and stream ciphers. Examples of symmetric key cryptogr aphy are DES, IDEA, AES and RC2. So far, DES is the most commonly used form of symmetric key. The only challenge presented to this method of encryption is that both parties must have a secure method when exchanging keys. Also, problems in verification can be encountered because both sender and user manage the same key. Nevertheless, symmetric type is still used due to its speed and efficiency.

History resoponse Essay Example | Topics and Well Written Essays - 1250 words

History resoponse - Essay Example well-nigh people believed the idea that humans were capable of destroying themselves.This war as referred by some people was thusly a great war. It affected exclusively the nations of the world, from Europe to Africa. Today its effects are still felt. It was in general among Britain, Austria, United States, Germany, Russia and France. These nations mobilized masses in other countries to action against their enemies. There was political reformation in the unit world. The war is believed to have been greatly fueled by religious differences. Most of the political reformation was on religious grounds. Serbia matched with Russia as they shared the same doctrines, Croatia joined forces with Austria. Bosnia stayed the Ottoman Empire. The war was catalyzed when Germany declared its support for Austria against the Serbs. This angered Russia and awakened British and French. Treaties were formed and the result was Europe being divided into two blocs. Franc e Britain and Russia came to fight against Germany, Italy and Austria. Diplomacy disappeared and it was all about war.The impact of the war was soon to leave a mark in history. The use of chemical weapons adversely affected the human race. Bombs and poisonous gases killed millions of people and the few who survived developed eternal health problems, both physical and mental. Families were shattered and weeping became the norm in the entire world since all nations were affected and its people were being killed. Some of the bombs had far reaching catastrophes as they affected future generations. Children would be born with various defects. The atomic gases affected lifespan of the human race. Those who had greatly inhaled the gases died at an early age. emancipation of speech and expression was disoriented. Soldiers could not freely give their opinions on various matters especially those that pertained to war. Civil societies lost their voice and they could demonstrate leave alone s triking. This resulted to people living in fear

Business Management And Leadership - Planning (U2DB) Essay

Business Management And Leadership - Planning (U2DB) - look for ExampleReachable goals are summarized to be specific, simple, signififannyt, strategic, measurable, rational, tangible, written, shared, and consistent with your values. It is important for an organization to follow these guide f wholes. In line with this, United Way of America (2008) sets three 10-year goals specifying what their primary goal mentioned above First, cut down the mo of drop out students second, cut down the number of families who have unstable incomes and third, increase the percentage of hefty Americans in giving them access to health care benefits. These goals conform to the simple yet straightforward keys to postdate in their attempts to promulgate the cause of the organization.The United Way of America is an organization rapidly growing because they strike hard totally the important sectors in the communities to help them reach their goals. So we bring together people from all across the communi tygovernment, business, faith groups, nonprofits, the labor movement, ordinary citizensto tackle the issues (United Way of America, 2008). The organization knows how significant it is if peoples from all walks of life are able to help one another. It is not just the monetary aspect that can help achieving changing the lives of many. For United Way of America it takes the whole America to help its peoples to come up with solutions, and act out to win their

Successful Student Essay Example | Topics and Well Written Essays - 750 words

Successful savant - Essay ExampleAs a sign, there is a need to establish on what cubic yard a psyche can excel in college.Success for college educatees is as a result of their vulcanized fiber before they become a part of the institution and after joining the system. The article reviews on the steering a character defines a person and how it induces the success f the Person in the learning institution. The scene that a person with a bad character cannot or can excel in the knowledge system is part of the script. The argument that earlier character also induces the character that results at college is also a part of the publication. In addition, the aspect of whether the friends of a person influence an singles character in such a way that they affect the grades in college is a part of the script.The chief aim is to instill skills in an individual in order to prepare the person for the real world. In order for the person to become a success, there is a need to instill knowled ge from both facets. The bid is in an attempt of producing an entirely round person who is capable of living in the high competition of the world.In order for a person to excel in college, it is well enough to think of what they need to become successful. A person needs to have discipline. Training revolves around good character, good time management, respect and the act of expressing logic. In other words, a person must be civilized enough in order to attain the most out of college education.Success in college comes from maintaining strict class attendance. The student should have a timetable for all his classes and strive always to get there in time. Timely arrival is important beca rehearse most tutors use the first few minutes of their sessions, to sum up, the previous lecture. It is not enough to attend classes, but the student must commit full attention and participation while in class. The student should aim to fetch as much as possible and get involved by asking question s. This not tho makes them enjoy the class session,

NARRATIVE story Essay Example | Topics and Well Written Essays - 500 words

NARRATIVE story - Essay ExampleOnly that morning, after my comrades compulsion, I decided to get come out of my room to go with him and my parents to the beach for some fun. At first I was very annoyed as I preferred to stay indoors and check off some television as it was a weekend. During the weekdays, I had enough and more school work to be done and got very little television time. So weekends are usually a television endurance contest for me and I would never go out. My brother and my father have a weekend routine which I cerebration was lame. They would go for swimming at a nearby baseball club and invite me all the time. I always felt very nostalgic to swimming pools and the blasphemous colored water spread crossways as if it were a blue blanket made me uncomfortable. But today, as the club was closed delinquent to some maintenance activity, my brother had planned for this trip to a beach nearby and had compelled me to come. I thought I will just get some sun and stay a way from the deep blue sea. After reaching t here and watching everyone have fun, I was not able to encounter my rising yearn to hit the water. Unfortunately, failed to notice the board which said this area is for strong swimmers only. So, here I am dragged inwards toward the horizon by the strong waves.I opened my eyes and institute that everything around me was different and that confused feeling was still there. I was looking around to figure out whether I was in heaven (hope richly). I could hear the sounds of people talking outside. I woke up fully to get back to reality. My brother was walking towards me and paid no attention to me. I was little point ignited with this act, as I expected him to come and ask me how I felt after climax in close encounters with death. Instead, he just started hitting me with his towel asking me to get up. I got up, straight fully awake, and was staring blankly at my brother who was yelling, are you coming with us to the swimming club at least today?Just then everything hit

Colours R Us' Case Study Essay Example | Topics and Well Written Essays - 2500 words

Colours R Us Case Study - move ExampleProgramming, on the other hand, is the actual implementation of the HR plan. Programming involves recruitment, training, and lay-offs (Bateman and Snell, 2007, p.332). The third exhibit, which is the evaluating stage, measures the effectiveness of HR plans in producing the results needed to contribute to the organizations business plan. It measures much(prenominal) indicators as productivity, quality, innovation, satisfaction, turn-over, absenteeism, wellness (Bateman and Snell, 2007, p.322).It is assumed that the phoner Colours R Us has already undergone planning as the first stage of its HR planning process for its Magnificent Miniature lines. It has determined that it will need 30 persons for its latest product ordered by its main client, the Home Style Innovations. Probably, the company has already conducted a guide forecast, where it determined how many and what type of people are needed for this new product line.Before the company sta rts its recruitment and selection process, it must have a thorough job analysis for the positions being opened. product line analysis, as defined, is where HR managers determine what the job is all about including the tasks involved, the duties it entailed, and the accompanying responsibility (Bateman and Snell, 2007, p. 324). This is what is usually referred to as job description. Job analysis also determines the corresponding human requirements to match the specifications in the job description, such as skills, knowledge, abilities, and other characteristics needed to perform the job (Bateman and Snell, 2007, p. 32). This set of characteristics which is required from a prospective applicator is referred to as job specifications.Recruitment is described by Bateman and Snell as the development of a pool of applicants for jobs in an organization (2007, p. 324). Accordingly, recruitment can be done either through internal or external

Calls for Protectionism Assignment Example | Topics and Well Written Essays - 500 words

Calls for Protectionism - Assignment ExampleWorld Trade Organization (WTO) advocates eliminating tariff and nontariff barriers to international trade and 157 countries in the valet de chambre are its members. These governments are committed to follow WTO tariff guidelines and formulate trade friendly insurance policy environments in their countries. Tariffs constitute a substantial source of protectionism in the world. In 2008 imposing tariff barriers was restrain by WTO agreements. Subsidies which reduce the cost of producing automobiles enable decreasing their market prices. Low price can pip a competitive advantage in the world market while increasing the welfare of local anaesthetic producers. It in addition affects the welfare of producers and consumers in abroad. This is not a viable economic solution because subsidy incurs a cost to the government. Free markets which have no price distortions are preferred in economic supposition because resource allocation is optimum t here. Producer subsidies which create price distortions in the market can also misallocate the resources in these countries and subsequently worsen their already contracted economy. Protectionism compels local consumers and producers to depend on each opposite without facing influences from abroad. Thus protectionism avoids economic impacts of different natural resource endowments across countries. Countries can grow independently, self sufficiently and politically strong under protectionist policies. However, sepa numberd trade enables efficiently using of limited, natural resources. good allocation of depleting natural resources is a major challenge in front of the world today. Therefore eliminating the barriers to free trade at present is more important than ever in the world history. 5. The volume of world trade rebounded sharply in 2012 on the back of a fairly modest growth rate in the world economy.

Are actors and professional athletes paid too much Essay - 1

Are actors and professional athletes paid too much - Essay ExamplePerhaps the liveness of glamor experienced by such individuals does not do much to dispel this argument. Among athletes idolized in terms of payments include Arnold Schwarzenegger a former bodybuilder later turned actor and a governor of California. Arnold, who is better enduren for his roles in Conan the Barbarian and the Terminator and the Expendables, is rumored to be among those that are highly paid in the industry. What is interesting is that he has lived in both sides of the acting and athlete jobs. Others include Dwayne the rock Johnson, who rose to fame as a professional wrestler with WWE.According to the Hollywood Reporter Magazine, actors such as Robert Downey Jr. and Sandra confidential information top the list when it comes to payments. Downey Jrs $ 75 million emanates from his 7 percent slice in contract Man and a whopping $12 million from HTC endorsement deal. However, before we roast actors and act resses due to their salaries, we should know that there seems to be some discrimination among the monolithic stars and those not considered as big stars. When you a big star, you get well paid, with the middle being cut out, one top agent commented on the Hollywood Reporter magazine. So much so that, Leornardo DiCaprio earned $25 million for the hit movie The animate being of Wall Street with co-star Jonah Hill only managing $600000. Whats more is that DiCaprio even got nominative for an Oscar because of his troubles.According to Hollywood Life, The Big Bang Theory Fans are outraged over the multi-million deal run actors Jim Parsons, Kaley Cuoco-Sweeting, and Johnny Galecki have signed with CBC. Whats funny is that one would normally presume that fans would be stimulate by the news that their favorite sitcom actors would be bagging more. Prior to the reported new deal, for each one actor was earning $350000. The trio has now tripled their paychecks having signed on for three

The white progressives in the 20th century Essay

The white liberals in the 20th century - Essay ExampleThe imperialist determination of the white progressives of the early 20th Century is seen in their support for the acquisition of territories. One such land according to Pestritto and Atto was the Territory of Alaska. This territory was bought from Russia, a move that was strongly rejected by many citizens. The progressives back up imperialist ideologies because they advocated for the repeal of the Canadian Reciprocity Act. This act sought to establish free trade mingled with the United States and Canada. In its place, they demanded the instigation of tariffs that would strengthen the competitiveness of the United States. According to them, the present tariff policy was hindering the industrial and commercial advancement of the United States. White progressives support for imperialist ideas is also exemplified in their emphasis for declining any treaty between the United States and any other country that did not agnize the s uperiority of America or expatriation. This demonstrates their amplified perception of the country and their unfair view of other nations. Finally, the concept of the progressive party is another proof of their imperialism. In its search for support from citizens, it invited affiliation with outright disregard for capableness supporters affiliation to other parties. It spoke in a way to show that all other parties were flawed and there was no implication that the party could cooperate with other parties in its quest to execute the principles it popularized.

Basic Economics Essay Example | Topics and Well Written Essays - 2750 words

Basic Economics - Essay subjectThe next step of the ratiocination making model is to explore alternative options or solutions. Decision makers forever face nearly ch on the wholeenges at the time of taking decisions. Decision makers are required to have some alternatives, which influences their decisions. The forth step of the decision making model is to make prediction for the future consequences. Prediction is consequential for decision makers to be prepared for the future. The fifth step is to prepare and make a selection of all the outcomes of the model and last and very important is to execute a sensitivity epitome for ensuring that decisions are make on the basis of analysis. For instance, absence of any step in the procedure of decision making get out be accountable for inappropriate analysis of a situation, which will be accountable for making unfit decision by managers leading to losses in businesses (Samuelson and Marks 7-14). fringy analysis is an important doer i n managerial economics for the managerial decision making. There are several advantages of marginal analysis in the business as well as individual life. Marginal analysis helps to maintain the balances among the lust of individual needs and business needs. A firm is benefited from marginal analysis in the procedure of decision making, so that business operations can be conducted systematically. Additionally, marginal analysis aids policy makers of firms for managing the resources in a proper manner (Samuelson and Marks 29-75).The marginal cost is the additional cost, which occurs at the time of production. Marginal cost includes the extra cost of labour and materials cost. On the other hand, marginal taxation is the additional simoleons earn by a firm at the time of surplus sale of products. Marginal revenue aids a company in performing business operations in a come apart competitive nature. Marginal analysis is mainly calculated at the time of additional turnover. In this

Southwest Airlines and obese passeger Article Example | Topics and Well Written Essays - 750 words

Southwest Airlines and obese passeger - Article Exampleboth armrests should halt the additional lowlife at the booking time and that with only one topographic point, he was going to appoint himself uncomfortable as well as the co-passengers. The Southwest Airlines customer of size policy states that the additional seat will be tined at a discounted rate and refunded afterwards if goes unoccupied, which is a very good offer which Orto should pick out availed. He had withal been offered the opportunity to show to the Airlines that he could accommodate only one seat without upsetting his seatmates, but he refused. One cannot make out what was the reason he did not call in the chance of boarding the plane and letting the psychenel see that he was right.According to the Southwest Airlines, move forward the rule of an additional seat for large passengers became vital when the customers who felt terribly uncomfortable academic term next to an obese seatmate started raising object ions. Moreover, the over-weight passengers disturb the planes weight and balance which is very dangerous. Since it is the responsibility of the Airlines to assure safety to all passengers, Orto had to be enquired. The question that what factor decides which passenger is stout and which is skinny has a straightforward reply. The Airlines policy says that it is the size of the person that determines his obesity, not his weight nor the extension of the seat belt. If an obese person gets allowed to fly with only one seat, that would only happen if he is able to lower or break away the seatbelt. If he cannot lower it, this decides that he is obese. A good example can be of a meaning(a) woman. Despite her being over-weight, if she can lower the armrest, it is okay if she books one seat. Staff can be also instructed to use measuring tape to measure the size of the passenger, and if the size crosses a pre-decided limit, then he would have to buy an additional seat. This procedure should b e carried out at the time of booking and not at the time of boarding. Even if some one like a

Immigration from Africa to Europe Research Paper

Immigration from Africa to atomic number 63 - Research Paper ExampleIn the fresh time, labor migrants and asylum seekers have shaped migration to these countries. For many centuries, atomic number 63 was a leading contributor of migration to opposite places. This was the case from 1500 to 1800. In contrast, migration from other places to Europe was limited. This was the case until the First World War as that few of Amerindians, Africans, and Asians moved to Europe due to lack of money (Emmer and Lucassen 1). Others were restricted by immigration restrictions, in particular those restricting migrants from the colonies. In Europe, there were fewer barriers to immigrants. This moved to other areas to check for business and investments opportunities. This gave them opportunity to subjoin their income and their life expectancy, at least in non-tropical countries (Emmer and Lucassen 1). In some European countries, they developed good instruments that enabled citizens without nest eg g to migrate to other continents. These forms of assistance were not available to non-Europeans. For this reasons, most of the non-Europeans only came to Europe as break ones backs. In the southern part of Europe, slaves were available due to the Arab congest. On the other hand, slaves in North-Western Europe were the one who tended to(p) their masters when visiting Europe. This paper seeks to explore on immigration from Africa to Europe. ... In addition, the Italian cities employed slaves from the east part of Europe in their countries and colonies (Emmer and Lucassen 1). The demand of slaves continued to increase than before, as more sugarcane was grown. As a result, African salves began to replace slaves from the east due to growth of Turkey blocked the regular slave trade routes. The other factor that contributed their attention to Africa was because the Muslims and Christians prisoners of war were no longer available. This prompted thousands of African slaves brought to Port ugal, Spain, and Sicily, where they worked as house servant slaves or artisans and in agriculture (Emmer and Lucassen 1). Hundreds of thousand Africans moved to Europe in the 16th century. Other Africans were pressure to grow sugar canes in Southern Spain and Portugal (Emmer and Lucassen 1). Moreover, a few Africans were brought to Europe through the new manhood some of them had been born in the America. These immigrants were accompanying their master while they retained their slave place in Europe. In the middle of the 18th century, London had about 15,000 Africans (Emmer and Lucassen 1). However, at this time the numbers of Africans in Europe were small. Some of the abandoned slaves fought successful legal battles not to be taken back to West Indies. These legal cases established that forced migration had no legal basis in British law. On the other hand, Dutch and French laws did not recognize slavery, and this made it difficult for slave masters to move to these countries accom panied by their slaves (Emmer and Lucassen 1). The end of the 18th century saw few non-Europeans relocate to Europe due to the end of slavery. The migration to Europe rose significantly in the 20th century. The

A Proposed Health Promotion Campaign Against Obesity Assignment

A Proposed Health Promotion Campaign Against Obesity - Assignment ExampleThe factors of the accessibility of junk foods and the trend of supersizing meals, not to mention the availability of high caloric foods of low nutritional value but are exceedingly appealing to children because of its rich taste are mainly responsible for them getting less physically capable (Buchholz, 2005). Also, the environmental progress of eradicating some parks and natural playgrounds for children to build buildings for industry and residences may not expediency the physical health of children due to the fact that they have less access to locations where they can expend their overindulgence physical energy (Frieden, Galvez. & Landrigan, 2003). However, the most common cause of the decrease in physical activity of children is that engine room has made it easier to fall into a sedentary life. Children are more than adequately entertained by the camp of choices on television shows, internet sites, figu rer games, etc. Nowadays, most children are homebound, engrossed in computer games, watching videos, surfing the web for hours, etc. Children find less need to play outside because on that point are a lot of available conveniences and entertainment indoors for them. Hence, playing games, running around, mount trees, bicycling, etc. are slowly becoming activities of the past. Physical exercise for these children is not given much precession anymore. Many parents enroll their children in dance classes, sports, etc. just for them to have physical activity. Obesity in children has been on the rise and one factor is lack of physical activity. Experts agree that the combination of the availability of energy-dense touch on foods and lack of physical activity may be the culprit of obesity. The Centers for Disease Control and Prevention (CDC) leave data that suggest that the number of children attending daily physical education classes declined from 18.3% in 1995 to 12% in 2001.

Service Quality and Leadership Essay Example | Topics and Well Written Essays - 2250 words

Service Quality and Leadership - Essay Examplerevealed that comprehending the tonic distribution, as well as marketing veers currently will help businesses to make better decisions and fulfil more various(prenominal)s. I ask learned that when companies want to prepare their online stratagems, hoteliers usually approach companies who have the subject to guide them on selecting the top trends that their businesses can follow. These include mobile, conversations on social media, along with channel anxiety where a number of the most important trends for the hospitality industry are emerging.I have come down to ascertain that the mobile trend is the primary reason as to why communications have false out to be increasingly individualized and client-customized. This trend can refer to not just smartphones that have the power to access the Internet. Perceptibly, hoteliers are supposed to take mobile into consideration as a probatory marketing channel, but ought to additionally be c onscious of the trend to develop on-property in the midst of the groundwork of NFC, along with additional device-activated services. The hospitality service industry has been able to make use of the mobile trend by starting with an optimized website for mobile along with booking engine that consider client experience across manifold mobile pieces of equipment, counting tablets. Companies today make the most out of the mobile trend with an colossal website that is specifically designed to obtain mobile guests to whatever they are looking for swiftly and effectively with the capacity to have bookings on various pages. The hospitality service industry thinks of the mobile trend as its individual channel so that companies have the aptitude to present special rates, endorsements, product depictions, in addition to the bring in caseicularly for these marketplaces. Most hospitality companies function with websites that have geo-locality services, for instance, Gowalla and Foursquare t o give promotions. Companies also take part in free

What Type of Parent I Will Be Essay Example for Free

What Type of P atomic number 18nt I Will Be EssayTo be suitable to decide what type of upraise I go forth be and discuss my issues I receive I may lie with across when the time comes I first need to decide what style of upraise I sapidity I will obligate. In order to do this I prepare researched Dr. Diane Baumrinds three styles of parenting permissive, authoritative, and authoritarian. (Baumrind, 1967). All three of these styles vary dramatically but the champion I fingering I would fit into the just about would be the authoritative style of parenting. By Dr. Baumrinds definition that is a parent that attempts to direct the youngsters activities but in a rational, issue-oriented manner.The parent encourages verbal give and take, shares with the sister the reasoning behind her policy, and solicits his objections when he refuses to conform. Both autonomous self-will and disciplined conformity are valued. and so the parents exert firm laterality at points of paren t- small fry divergence, but does not hem the baby in with restrictions. The parents enforces their have perspective as adults, but recognizes the tiddlers individual interests and special appearances. The authoritative parent affirms the childs present qualities, but to a fault sets standards for future conduct.They use reason, power, and shaping by regime and reinforcement to achieve their objectives, and does not base their decisions on group consensus or the individual childs desires. (Baumrind, 1967). When a person becomes a parent they will truly soften what style of parenting they will have. However, until that twenty-four hours comes, I chose the style of authoritative parenting based on how my parents were and how they raised me to be. I feel both of my parents fit into this category, in that respectfore I have a strong rearwardsground with this style. spot I have been exposed to all three styles of parenting from watching my friends parents, my own familiar as a p arent and now my step mom as a parent, I feel the authoritative style is the one(a) that fits my values, beliefs and issue concerns the best. For example, my step mom, who I feel has a very permissive style of parenting, doesnt have much control over my step br separate. there is one ikon in particular that I feel dis gambols the permissive style of parenting very well. Problem child 1 and 2. The child is adopted so the father wants the child to be as happy as executable and in turn the parent appropriates walked all over.My step brother is a 12 year aged boy, who is a good child who listens for the most part has a terrible diet. This is because my step mom wanted to be his friend first and a parent second. She does not uniform conflict so she allows him to all(prenominal) the sugary starchy foods instead of enforcing intelligent choices. On top of that his idea of exercise is play picture show games. This may not present health issue at this very time, however, my conce rns arise when he is older. What type of choices will he make diet wise, exercising and over all what type of lifestyle will he have?My mom on the other hand, fully enforced eating fruits and veggies at a young age and always made sure my dickens brothers and I played outside and did extra-curricular activities to get healthy amounts of exercise. Today at 25 years old, I toilette probably count on one hand the number of foods I dont like. I also thorough respect exercising. A healthy diet and exercise are extremely Coperni finish for the fruit and development of every child. This brings me to one of my issues I am concerned with when I become a parent. Will my child lie with and eat the healthy choices I make for them.I feel this all begins with infants. After reading a couple journal articles from an online nursing search engine breast feeding is where it all begins. I go it interesting that whatsoever overprotects would choose not to breast feed. dummy feeding provides m ultiple benefits for both the mother and the child. The breast feeding processes represents an intricate bonding amidst the mother and child that is far greater than dear nutrition. It creates an immune system, aids in building brain function, developing socialization and establishing long term health. (Godfrey. J Lawrence, R. 010)I feel this relates to one of my issues with being a parent because nutrition of my child is my most important concern. harmonize to our textbook, nutrition is especially crucial in the first two years for brain and tree trunk development because they grow so rapidly. An infants energy needs are twice that of an adult. Breast feeding provides the correct balance of fat and protein, helps ensure healthy physical growth and protects against disease. (Berk, 2010). According to Piaget, infants specify with their eyes, hands and ears. Therefore, I would want my child to be developed to the max potential and not held back for nutritional reason.Ericksons the ory of basic trust vs. mistrust in the first year make the way a child socializes later in life also related to will the child be into physical activities. The trusting infant expects the world to be good and gratifying, (Berk, 2010) so the child feels self-assured almost exploring and venturing into new things. I feel this related to children wanting to be involved in antithetic activities with other children. The mistrusting baby cannot count on the kindness and compassion of others and therefore withdrawals themselves and protects themselves from other people and activities with other children (Berk, 2010).I feel perhaps this may relate to my step brother and why he plays telecasting games all the time and is glued to the television, instead of playing outside resolveing to make new friends. As the child begins to grow and develop into the next phase of early childhood I will be faced with new concerns but still centered on nutrition. In this head the torso growth begins to slow down but the brain development from ages two to six emergence by about s regularty percent of its adult weight to nighty percent. In early childhood the skeletal part of the body also begins to compound.Between the ages of two and six years old there is approximately forty quintuple percent new growth centers, in which cartilage becomes bone. (Berk, 2010). According to an article posted in a sports medicine journal, the relation to calcium and bone development during this time is crucial. There is a correlation between calcium intake, physical activity and bone development at this map. Although there are varying factors such as genetics, age and body type there is still a positive influence.This article discusses the immensity of children in the early childhood to adolescent stage to have a calcium intake of 1000mg/day or much of calcium to help build stronger bones and increase the development of the femoral head. There are many different sources of calcium such as d airy products most cereals have some amount of calcium as well. I feel that its important to give children in this stage a multivitamin as well to ensure the child is getting enough calcium. At this stage many children become picky eaters and are very unpredictable.They can like a food one day and the next say they hate it. This is another reason why I feel its important to give children in this stage a multivitamin. I also feel that introducing a dewy-eyed variety of different food to children at this time helps. Being an authoritative style of parenting I would have my child try everything at least once, encouraging these new foods and if they didnt like it tell them they can always spit it out. This is a major developmental stage that I feel sets the tone if your child will be or become obese. This is an increasing issue with children today.Moms are becoming more(prenominal) lively with work and arent stay at home moms anymore. Its quicker and easier to just stop at McDonalds and get your child a happy meal than it is to come home and cook a healthy meal. I do feel fast food restaurants are trying to incorporate healthy choices with childrens meals but in my opinion fried chicken nuggets are still fried chicken nuggets even if they come with apples. The apples are a healthy choice however those come with sugary caramel do to dip them in. There are many consequence of obsess children. Diabetes in children is one of the most honey oil major issues.Diabetes type two is the type of diabetes that was once an adult disease has increasing become more common in younger children. Many of the signs and symptoms are asymptomatic I feel many parents over-see what is in truth sledding on. There are many risk factors for early onset associated with type two diabetes which includes dense and obesity, especially in the abdomen area, spirited or low birth weight and rapid increase of weight in early childhood, physical in activity or sedentary lifestyle (playing t elevision receiver games all the time) as well as consuming foods that are low in fiber and high in fats and sugars. (Schub.T Caple, C. , 2011) The sad part is many of this risk factors are modifiable but as well as many parents reward with sugary fatty treats. Unless the parent is health conscious it is very difficult to change these issues. The other problem that arises with this is many times parents see their child as being perfect and over-see what is in reality going on. In this stage of development according to Piaget the child has moved from the sensorimotor to the preoperational stage. This spans the years from two until approximately seven years old. The major difference in this stage is symbolic or figural activity.A major example of this change is make-believe play. Piaget believed that through this type of play children are practicing and beef up newly acquired representational schemes. (Berk, 2010) I agree with Piagets views. I feel its important for children to h ave make-believe play but only to a certain extent. As a parent I want my child to be more interested in playing with other children in more real activities opposed to always want to play make-believe by themselves. An example I feel is acceptable is when girls want to play house together with dolls or babies.I feel I control this situation as a parent by encouraging inter bustling play with other children with play dates. Exercise in this stage is also very important. Involving your child in activities outside of school helps the child develop social skills by having to interact with new children in different situations. As long as this is followed by positive reinforcement by the parent I also feel this helps build authority in the child. Vygotskys theory of sociocultural is another major factor in this developmental stage. dustup at this stage is the important factor in Vygotskys theory.Children begin to talk to themselves much in the same way they do with fellow students. This increases their ability to think and their ability to control their own behavior. (Berk, 2010). According to a study published in a developmental psychology journal there is tiny correlation between private dialect and problem solving process. Approximately half the subjects had private speech and those who did, did not utter very much. The article also discussed within a Vygotskian framework, private speech will tend to co-occur with calamity in cognitive tasks because both private speech and the likelihood of failure increase with task difficulty.We also learned that in this stage children begin to remember. Its not that they are just now building a memory they now have the lyric poem skills to describe their memories. We had a discussion board regarding our earliest autobiographically memory and as the textbook stated, no one could really come up with a memory early than three years old. This is explained because we didnt have an understanding of language to describe what we were experiencing. The third developmental stage that I feel I will have the most parenting issues or concerns is now the adolescent stage.I can only hope that by this point in time I have taught my child to make good nutritional choices and I have diligent them in other activities so they are confident in socializing and want to have active lifestyles opposed to sedentary. I feel this is going to be the most difficult stay to deal with. instanter I am dealing with hormonal changes which create physical and mental changes but now I will also have to deal with social changes and sexual activity. During the adolescence stage children go through puberty. This can cause many different physical changes.I hope that I can teach my child to always have a positive body image of them. I feel by charge them active will help with this issue. If I have a girl I am going to have to be concerned with eating disorders and the possibility of becoming pregnant. I feel the only way to have control over these issues is just being open with my child or children and make them feel comfortable talking to myself or husband (hopefully present) about anything as well as taking responsibleness in my own hands to make sure my children are properly educated about things like safe sex and sexually transmitted diseases.I dont want to be a naive parent and think oh my child would never do that I know I was there age at one point and they are going to do whatever they want to do. I will also teach my children about peer pressure to help prevent them from making mistakes because of it. through this entire paper I feel I have learned that parenting is no easy task. A lot of things are learned by trial and error. Also, just because these are my views I hope that I have a husband who shares the same parenting style otherwise we ourselves will be in a pickle.I dont want my household to have one good parent and one bad parent I want us to be equal and on the same playing field. I want my hus band and I to work as one, which comes down to communication. I also feel my parents raised me with many skills I with use while parenting. All I can do is try my hardest to teach my children the same ways and hope they are responsive to me and respectful and understand one day they will be responsible for the same thing.

The Elimination of the Electoral College Essay Example for Free

The Elimination of the electoral College EssayWith the recent election, a controversy has come up ab away the eliminating the Electoral College. The Electoral College is made up of a concourse of electors where they vote for the President and the Vice President based on the states general vote for the candidate. There are 538 Electoral College votes and in order to win the election, a candidate must contain a majority of 270 votes to become the President. When Americans cast their vote, they are actually casting votes for the electors who will then cast their votes for the candidate.So, whats the thin out? Well, the issue is that, The current system has the problem that presidential campaigns concentrate on only ten of the fifty states, and at least four out of five Americans are left out of the process of decision making who their president should be, according to John Koza. In this election alone, President Obama and Governor Romney have visited Ohio a keep down of seventy-one cadences because Ohio was a major battleground state. To add on, statistics show that President Obama and Governor Romney have spent nearly ninety- five percent of their time and money in only ten out of the fifty states.Why? Because those battleground states have citizens who are undecided as to which candidate they should vote for, whereas more or less of the citizens in other states are decided. Now, lets say that there was no electoral college and the candidates win by best-selling(predicate) vote, chances are that they will spend a lot of their time and money candidature in heavily populate areas such as the New England states, the South, and the West Coast.This unit has mostly been about public opinion and political participation. It has also been about the election. We learned how people choose the president and we got a general idea about the Electoral College. The Electoral College plays a HUGE role in an election. As I mentioned in the first paragraph, th e electors vote for a candidate based on the states popular vote. restitution Virginia for example, if you were to look at the counties, you would see that a majority of them voted for Governor Romney. If you were to look at the heavily populated (urban) areas like Richmond or D.C., they voted for President Obama. So, what candidate did the electors place their vote for? President Obama. Just by looking at the map, one would think that Virginia voted republican.The Electoral College was an agreement between the election of a candidate by a vote in Congress and the election of a candidate by popular vote of citizens. Im sure that back when the Electoral College was formed, no one questioned the fairness of it. The popular vote is basically being spilt from the Electoral College vote. In my opinion, the Electoral College should be eliminated because it should not be electors from distri exclusivelyively state deciding the fate of our country. It should be the citizens deciding the o utcome of an election because after all, that is why we are allowed to vote. I feel that even though we are allowed to vote, our vote doesnt really count because of the Electoral College. Voting is a great way for our votes to be heard and to exercise one of our many rights, but if the Electoral College is eliminated, then we might as well not vote.Works Cited PageSavage, George . George Savage epoch to eliminate the Electoral College.Madison.com Madison WI news sports entertainment. N.p., 5 Nov. 2012. Web. 8 Nov. 2012. Jeunesse, William La. Time to eliminate the Electoral College? discombobulate News. Fox News Breaking News Updates Latest News Headlines Photos News Videos. N.p., 5 Nov. 2012. Web. 8 Nov. 2012. .Is it time to eliminate the Electoral College? TheGazette. Eastern Iowa Breaking News and Headlines thegazette.com Cedar Rapids, Iowa City. N.p., 6 Nov. 2012. Web. 9 Nov. 2012. .

Cooking at Home and Eating in a Restaurant Essay Example for Free

homework at Home and have in a Restaurant EssayModern life becomes much and much comfortable, but we are busier and busier with our job, with our business. We dont have while to prepare and cook meals at syndicate. soul prefers to erase fast- food or eat food in a restaurant, but whatsoever peerless still prefer to eat at syndicate. Eating out or consume at home has also advantages and disadvantages, so which one is better? Cooking at home is similar to feeding in a restaurant in many an(prenominal) ways. Despite of cooking at home or eating out, we have to pay cash for our food or spend our time to cook or to go to the restaurant to eat.For example, instead of spending your time to cook, you have to drive to go to the restaurant or sometimes you waste of time to looking for the parking. We also can taste the dishes we similar even though we eat at home or at a restaurant. That is a period of time which your family enjoy eating after a long day with hard worked. W ith your familys meal, everybody can talk together, tell some funny stories, or share their jobs. However, there are several differences between eating at home and eating out. Home-cooked meals are always healthy.The food at the restaurant may contain high in fat, high calories and other ingredients which are very harmful for the health. If you cook food at home, you have more control over the ingredients, and you can select the ingredients that you like. Furthermore, eating at home saves you so much money compared to eating in restaurants. Eating out are usually more expensive than cooking at home. In restaurants, they often serve big plates of food. They are too much more food than you get to eat at one meal and the money you spend can add up.For instance, with the money for a meal in a restaurant, you can buy food for the whole week for home-cooking. You can support at cheapest markets, and look for sale items. Eating in a restaurant is also advantage way. many people are very busy with their jobs outside the house, so they dont always have time to cook. They like the convenience of eating out. For many reasons such as some one is not very good enough at cooking, or they like international cuisines or different meals, eating out is the best thing.Cooking at home has a disadvantage that is cooking at home also requires your time. You spend your time to prepare everything like you choose and buy ingredients for cooking your meals. After that, you have to wash dishes and clean up the kitchen. However, eating at home is one of the best ways to enhance the relationship inside your family. deportment is busier and people dont have much time to share their time together, even though they are in a family. Eating at home is all members of your family sit around the table and enjoy the dishes that your fuss and you prepared and cooked.In your family, when all you prepare and cook meals at home together, you feel warmer and happier. Eating at home and eating in a restaurant are different in many ways, but they have several things in common. It is difficult for us to prefer to. Both eating at restaurants and cooking at home can be satisfying. Both of them can taste good and be enjoyed with your family and friends. I prefer cooking at home because of the money and health issues, but people ordain make the choice that fits their lifestyle best.

The resistance of the wire Essay Example for Free

The safeguard of the fit out EssayI allow for do this buy putting crocodile clips on each end of the wire. I will and because take the readings for the on- limit(prenominal) after the wire and the potentiality across the continuance of wire. I will then double check this by victimization a mul beatter and measure the resistance across the piece of wire. I will repeat this three times. I will repeat the same method for all the different lengths of wire. Fair test I will keep it a fair test by using the same thickness of wire every time. I will use the same amount of voltage on the battery pack every time I take a reading. I will use the same equipment every time.I will also measure the thickness of the wire onwards every reading I take to make sure that it is always the same. I will make sure that the temperature of the wire is the same each time because as the temperature increases it causes the atoms to move around more, which creates more resistance as the moving atoms create a better barrier for the certain. Results 1st Attempt Length of electrify (cm) Voltage (V) Current (Amps) resistor (Ohms) 2nd Attempt Length of cable (cm)Voltage (V) Current (Amps) Resistance (Ohms) 3rd Attempt Length of Wire (cm) Voltage (V) Current (Amps) Resistance (Ohms) Average Length of Wire (cm) Voltage (V) Current (Amps) Resistance (Ohms) Analysis In my foreshadowion I said that I predict that as the length of wire increases so will the resistance.I have constitute that my results are really incorrect because I havent calculated the resistance but I mess analysis the affect the length of wire has on the current. These results are incorrect because the voltage shouldnt be the same each time. The voltage should be measured across the wire so as the length increases the voltage should pass. The resistance is then found from diving the voltage by the current. I can see from my results that my prediction was right because after the current has passed throu gh the wire it decreases.This is more evident as the length of the wire increases because the current decreases as the wire increases. I can see from my average of results that when the length of the wire has doubled the current has almost halved because when the length of wire was 30 cm the current was 0. 65 amps and when the length of wire was 60 cm the current was 0. 32 amps, half of 0. 65 is 0. 325. I can see on my graph that my results a middling spotless because three out of five of them touch the line of scoop fit and the forth academic degree is 0. 1 amps higher than the line of best fit. My reading for 30 cm is 1. 1 amps higher than the line of best fit.From reading the line of best fit the reading for 30 cm should be 0. 54 and I got the reading 0. 65. The reading for the 70 cm of wire that I got was 0. 26 but on my line of best fit it is 0. 25. I can also see from my results the amount at which they decrease each time the length of the wire is increased is very similar . The difference among 30 cm of wire and 40 cm is 9 amps, the difference between 40 cm and 50 cm is 7 amps, the difference between 50 cm and 60 cm is 7 amps and the difference between 60 cm and 70 cm is 6 amps. This also shows that my results were fairly accurate and reliable.Evaluation The prototypical thing I would like to do is do my experiment again so that I can measure the resistance properly so that I can see if my prediction is really correct. I would measure the resistance properly by measuring the voltage across the wire and the diving the voltage by the current. I can see from my results that because all my readings do not touch the line of best fit they are not totally reliable. This may be because the temperature of the wire was different each time as I did not monitor the temperature or the length of the wire may not of been accurate because of the way the crocodile clips were placed.I would like to improve this by using pointers instead of crocodile clips I would d o this because pointers would be more accurate. The pointers would be more accurate because the tips have a much smaller area than the crocodile clips cock-a-hoop a more accurate measurement of the length of wire. As well as making these modifications I would also improve my investigation by testing the same wire but different widths of wire. I would do this to expand on my investigation.

Returning to College Essay Example for Free

returning to College EssayAt the beginning of 2013 I had a discussion with my co pop offer about returning choke to inculcate, and the I was indecisive on what I cute to major in. So she suggested that I do online courses, and major in Organizational wariness since I wanted to become a manager within the company I am before long employed.She referred me to Ashford University, and I must say that I am very happy that she referred me to this university because it works perfectly with my work schedule. In 2002 I was accepted into Lemoyne Owens University back in Memphis,Tennessee to major in Child Development and procreation because I wanted to be a elementary school teacher.I did non attend the university because the university wanted my p arents to pay more in tuition than what they were offering me in Financial Aid. At the time assimilator loans was not an option for me for I decided to attend a Junior College instead. My first year and a half at Laney Junior College I took cosmetology classes because Laney did not offer Child Development courses and the other minor(postnominal) colleges classes were full. I graduated with my Associates point in Cosmetology in 2004, andreturned to receive my Associates Degree in Business Administration.Although I started off taking line of credit courses I ended up switching my major to receive my Associates Degree in Liberal Arts, because it would have taken 3 years to receive my degree in business admin. Once I graduated in 2006 with my Liberal Arts degree I decided not to go back to school after that although I wanted to. I decided to put every last(predicate) of my effort into my 3 job, until 7 years down the line one of my co workers who is also a student at Ashford University convinced me to return to school to get my knight bachelors Degree.Returning back to school was frequently on my mind but I did not know how to fit it in with my busy work schedule, and I felt that my writing skills were not up to the college level like they should be. Obtaining a higher degree is very important to me because it can possibly help me in the long carry career wise. I would love to own my own business some solar day, particularly my own day care center. I also would like to be an accountant and possibly have my own news report business. There are times that I feel that my job gets in the stylus of me completing my school work.So I try to set time aside each day to complete at least one discussion each day and try to complete my assignments and responses over the weekend. There are things that tend to get in the way of those plans so I just end up staying up late to complete my work. I try my hardest not to let any obstacles get in my way but I cant predict my life and each step as practically as I wish that I could. I plan on graduating next year with my Bachelors in Organizational Management and then try to obtain my degree in Accounting. Returning back to school has so far been one of my best life decisions thus.

The critical thinking Essay Example for Free

The critical thinking EssayWith the intention to stress the critical thinking ability of the people, the focus will be to ensure that everybody who took part in the trial understood it. This allows all respondents to answer the questions based on how they be able to interpret what they have read. Nelsons use of a write up gives an opportunity for each respondent to analyze the passage, understand it and respond to it. This supports Facione, Facione and Giancarlos measurement of reliability by the use of paper and pencil method to conduct the shield (2000). Also, the use of elementary vocabulary gives a large number of people the opportunity to participate in this test at the same time. A content-related validity clearly shows in its result. According to Facione et al, there are no restrictions to the content on which the test can be based, (2000), the focus therefore, will be on the items that are used in the test. In this test, Nelson was able to develop thirty two (32) item s with which he conducted the test. base on the fact that Nelson wanted a wide range of people to understand the test and in any case respond appropriately, he used basic vocabularies. This, in essence, made it possible for people to be tested, non according to their language skills but according to their critical thinking ability. Hence, the criterion-related validity is established. In the use of a 32 multi-choice questions wherein there are more than one correct answers, Nelson gave respondents the opportunity to think outside the norm. The entailment of this is that each respondent has to be certain about the answers.The comparison of different tests does not have a direct correlation with the content of the test because the items in consideration were not detailed. Detailed information of the items in consideration could have given the test comparison a more valid result.REFERENCESFacione, Peter A. , Santa Clara University Facione, Noreen C. , University of atomic number 20 San Francisco Giancarlo, Carol A. , Santa Clara University. (2000). The Disposition Toward Critical Thinking Its Character, Measurement, and Relationship to Critical Thinking Skill. Informal Logic, 20(1), 61-84

Survey of Mathematical Methods Essay Example for Free

watch of Mathematical Methods EssayI chose problem number 66. In an ad for moisturizing covering, the following contract is made its the 1 dermatologist recommended brand. What is misleading about(predicate) the claim (Bluman, 2005)?Suspect samples, detached statistics, and implied connections are all used in this misleading claim. Companies use a variety of different techniques to help enhance and sell their products. Marketing firms advertisings can be very persuasive to buyers. This claim is very misleading because there is not enough data given to back up their statement that the lotion is the 1 dermatologist recommended brand. There was no selective information on how many dermatologists were involved in the testing, or how many otherwise brands were actually tested. Was the sample random? How many other brands were in the testing? Were the other brands tested a high quality?How many dermatologists participated in the testing? Were the dermatologist used in the testing familiar with all the lotions available and tested this particular lotion against the most well-known for kowtow problems? What feature or result of the lotion was the most impressive? The texture? Its longevity? The effect smell? The size or amount? The price? The lotions functionality? Was this testing for one function of the lotion or for the lotions overall qualities? Without a side to side comparison or at least data demonstrate the differences between this lotion and others I would say buyer beware.b. Select one until now problem from exercises 11 through 22 on pages 811-812. As you answer the incertitudes above, identify what types of misrepresentation or misuse stick out been demonstrated by referring to the bold blue headings in the Chapter 12 Supplement (e.g., Suspect Samples, Asking dark-skinned Questions, Misleading Graphs, etc.). The assignment must include (a) all maths work required to answer the problems as well as (b) introduction and conclusionparag raphs (Bluman, 2005). a. Your introduction should include three to five sentences of general information about the topic at hand (Bluman, 2005).b. The body must contain a restatement of the problems and all math work, including the steps and formulas used to solve the problems (Bluman, 2005).c. Your conclusion must comprise a summary of the problems and the reason you selected a particular method to solve them. It would also be appropriate to include a statement as to what you learned and how you will apply the knowledge gained in this exercise to real- being situations (Bluman, 2005).I chose problem number 1414. How often do you run red lights?I think that this is a great example of a biased and misleading query. The question looks simple enough if an individual does not really think about it. Several people energy even answer the question without giving any thought to it even people who do not drive might answer this question. Individuals who do run red lights might be tempted t o lie. The way this question is phrased seems to state that the person answering the question runs red lights.When a question is phrased this way there is generally multiple choice answers like every(prenominal) day, once a week, every two weeks, once a month, once every three months, twice a year, etc. The answers to this question could be used to draft different laws, and to change the fines for running red lights, or it can be used to increase the insurance rates for the individuals. The question should be more direct like generate you run red lights or Do you run red lights.ReferenceBluman, A. G. (2005). Mathematics in our world (1st ed. Ashford University Custom). United States McGraw-Hill

Education Policy In Bangladesh Essay Example for Free

Education policy In Bangladesh EssayIntroduction restitution is a way of defend against these financial acquittancees.General restitution or non- breeding restitution policies, including automobile and homeowners Policies provide abidements depending on the loss from a particular financial event.Anyone who owns an asset can buy insurance to protect it against losses due to fire or theft And so on. Each one of us can belowwrite our and our dependents health and surface being finished hospitalization and personal accident policies.In this report we tested to show that how general insurance business operates in Bangladesh how important it is for economy what types of problem it faces in our country. design of the StudyPrimary objectiveThe main objective of the study is to k at one time how the insurance business industrial plant in our country.Secondary objectiveThe case study has the chase objectivesTo k instantly about the insurance confederation (Based on three insurance companies.)To k at present about general insurance its classification.Comp apiece Overview jet-propelled plane Delta insurance Company particular (GDIC) is one of the leading private non life insurance companies in Bangladesh. GDIC was incorporated in December 14, 1985 as a public limited federation, down the stairs the Companies Act 1913.Actual operations started on 1st January 1986, with a paid up capital of BDT 30.00 one thousand million. Now, Green Delta amends Company Ltd. is a atomic reactored about BDT 637.875 million with a credit rating of AA1 and ST1. GDIC h sr.s the proud distinction of being the branch ever company to make its paid up capital to such a level. This is alike the 1st indemnification Company in Bangladesh to have equity partnership with IFC. With a presence in the strategic in altogethery important parts of the country, which includes 38 branches, Green Delta defames Company Ltd. has established its prominent presence with equity par ticipation in Delta wake Housing Ltd., Progressive animation dis adaptedments Co Ltd, United Hospital Ltd. Fin Excel Ltd. and BD punt Ltd. Green Delta Capital Ltd. and Green Delta Securities Ltd. argon two of the direct subsidiaries. GDIC provides stock brokerage services by means of Green Delta Securities Ltd. (GDSL) and investment supports through Green Delta Capital Ltd. (GDCL). As a part of the recognition for the component part in the development of the insurance industry and for entertaining the standard of service, the company has been considered as one of the top cholecalciferol companies according to the renowned Rating Agency, Dun Bradstreet Rate Agency of Bangladesh. The company has besides been awarded with many issue and international awards like ICAB National mete outs for Best Published Accounts, ICMAB Best Corporate Award in insurance polity category, Certificate of Merit for the Best Presented Accounts Award in the category indemnity Sector by the so uthwestward Asian Federation of Accounts (SAFA), multinational whole tone Crown Award by BID International in London, The BIZZ Award by World strain confederation of Business, USA for leadership, Excellence in a charge, Quality and Marketing, The Diamond Eye Award For Quality Excellence by BID OTHERWAYS, The Platinum Technology Award for Quality Best trade name by Association Other Ways in Berlin, International Star Award for Leadership in feel in the Gold, Platinum and Diamond categories and many more. With the slogan Marches with time during the last 28 years GDIC has been helping black marketel in their time of ingest pulling out all the steps when needed, and has been proud to be a partner in progress.Our viewOur vision is to mature into a sustainable, coherent organization, raise competitiveness to the highest level in the insurance industry, curbhigh profitability balanced quantitative harvest-feast and exceed customers expectations by whirl legendary services , embrace a new corporate identity and creative corporate culture.Our MissionOur military mission is to create sh areholders value through customers satisfaction and employees commitment to excellence.Our Strength never-ending pursuit of suitable strategies has made the company the leading insurer of Bangladesh for over two decades.Our BeliefWe intrust that client must stand at the center of our all activities. We have the ability to optimally finish the clients require based on risk management with minimum cost and personalized services conclusionProducts ServicesCorporate try ManagementIndustrial all told Risk indemnity including Machinery Insurance and Business Interruption Property All Risk Insurance including Business Interruptionelectronic Equipments and Computer InsuranceProfessional Indemnity InsuranceComprehensive Machinery InsuranceComprehensive General indebtedness (CGL)Product Public liability Insurance requireors and Officers Liability (DO)Fire and Allied haz ards Insurance nautical dispatch and Hull InsuranceFinancialCash-in-safe, Cash-in- overfly Cash-on-counter InsurancePortfolio CoverCredit Card Indemnity InsuranceBankers cover InsuranceBank Lockers InsuranceA.T.M. Booth InsuranceBanc assuranceRetail SMEFire and Allied Peril InsuranceMarine weight and Hull InsurancePersonal AccidentHealth Insurance a sketch Mediclaim InsuranceMicro InsuranceMicro Health InsuranceNibedita-Comprehensive Insurance Policy for WomenHousehold InsuranceMotor InsurancePeoples Personal Accident PolicyComprehensive Travel InsuranceConventional air travel InsuranceAutomobile InsuranceWorkmen Compensation Insurance variant InsuranceEngineering Insurance (Erection all Risk, Contractors allRisk, Deterioration of Stock Boiler Pressure watercraftInsurance, business intemiptionCrop InsuranceNlbedlta-Comprehensive Insurance Policy for WomenWeather Index Based InsuranceInvestment Portfolio ManagementUnderwritingPre-IPO placement SyndicationTrusteeshipGreen Delt a Insurance is known for its innovation and services. Todays competitive insurance food market is driving the market to think and Winovate now returns and services and GDIC have been doing with its authentic. Beside the Traditional insurance portfolio GDIC introduced following personal line of harvest-feasts in last year and some them are in pipelineHealth InsuranceHousehold InsuranceNibedita-Comprehensive Insurance Policy for WomenCellular Phone Contingency InsuranceWeather Index Based InsurancePersonal Accident Insurance Policy for Migrant workersIt is matter of great pride that GDIC has introduced an insurance product first time ever in Bangladesh which is designed only for the females named as Nibedita-Comprehensive Insurance Policy for Women. GDIC has also designed first ever Weather Index Based Insurance for the farmers of Bangladesh which will be launched shortly.In BrieflyFire InsuranceBasic coverFireLightningExplosion(domestic)Damage during or immediately followingFire c aused by smoke, scorching,Falling walls, water used for extinguishingFire, blowing up building for preventingSpread of fire.This reporting can be extended to include other perils by the additional aid Riot, Strike terrorist actStorm, FloodSubsidenceLandslideAircraft damageBursting or overflowing of tanks.Health InsuranceThe health form _or_ system of government provides for reimbursement of hospitalization/domiciliary hospitalization expenses for illness/disease suffered or accidental injurysustained during the policy period. Under this scheme the expenses for discussion in a hospital for an illness or injury are insured. It does not cover for any expenses in respect of domiciliary or outdoor interposition.Covers hospitalization insurance due to accident or illness.Ancillary services like ICU/CCU room, post-operative room, blood transfusion, special investigations, etc. pull ahead room services.Intensive care facility.Oxygen therapy.Skilled nursing services.Blood transfusion s.Ambulance services.Dressing while in confinement and test other than the routine investigations.Marine InsuranceThe oldest branch of insurance.Comprisesa. Cargo Insurance.b. Hull Insurance.Lloyds is the famous worlds Marine insurance market.Marine Insurance Act 1906.HULL damagesConcerns the insurance of ships.Hull, machinery etc.CARGO INSURANCEPlays an important role in domestic trade as well as international trade. Provides insurance cover in respect of loss of or damage to goods during cover by rail, -road -sea -airBurglary InsuranceScope of CoverLost by burglaryHousebreaking following upon an true forcible and violent entry into or exit from the premises by the person or persons. then the company will payto the extent of such loss to the extent of the intrinsic value of the descriptive value of the insured.ExclusionsTheft by persons lawfully on the premises.Any court-ordered liability,Loss or damage during the progress of or following upon fire or explosion. Earthquake, wa r, Riot, Civil war, incursion etc.Uncover able propertyDeeds, bonds, stamp collections, bank or currency.Theft by persons lawfully on the premises.Any legal liability,Loss or damage during the progress of or following upon fire or explosion. Earthquake, war, Riot, Civil war, Invasion etcCompany overviewDelta behavior Insurance Co. Ltd. established mainly through the initiative of a stem of Bangladeshi professionals then working abroad along with a few enthusiastic local entrepreneurs, started its operation in December, 1986 after the Government of Bangladesh allowed the private sector to operate in the insurance sector in 1984 to flow on the business of insurance in the secluded Sector. A brief explanation as to the growth of life insurance business in Bangladesh is in order here. Bangladesh declared freedom from the Pakistani rules on March 26, 1971 following which she had to witness a bloody liberation struggle with the occupation forces lasting for 9 months before they were defeated. Insurance business which was exclusively carried on in private sector before independence was nationalized after liberation in 1972 primarily to address the emerging situation of eroding public reliance in the industry that was left staggeringly short of resources in the face of huge losses caused by the war of liberation. After a series of experimentation, a state-owned body, that is to say Jiban Bima Corporation (JBC), established in May, 1973 for transacting the life insurance business, took over the assets and liabilities under life portfolios of all erstwhile private insurance companies and started business in its own name. Since inception, Delta life story set before itself a highstandard of all round exercise coextensive with professional soundness and proficiency. It soon made a mark in the life insurance arena by not only being the leader among the private sector indigenous companies, entirely by undertaking and successfully implementing innovative and welfa re oriented life insurance schemes.It introduced an array of courtly life and group insurance products many of which were the first in Bangladesh. For the first time, health insurance products were also introduced by Delta manners. But more importantly, in fulfillment of the avowed commitment towards social development, Delta smell for the first time not only in Bangladesh but probably in the World, devised and introduced micro-life insurance-cum-savings products specially suited to the involve and pockets of poor people of the country who constitute more than 80% of the people of Bangladesh. twain projects of the company namely Grameen Bima for the rural people and Gono Bima for the poor and marginal savers of the urban sphere of influences were initiated to devote them slave exclusively to marketing and management of these innovative products. We are happy to report that we have achieved a good measure of success although thither is a long way to go. These schemes that we h ave introduced have created great stir and enthusiasm among the general mass who, before these projects started functioning, could not even dream of owning a policy that provides the much needed life insurance reportage along with facility of regular savings on a long- line basis. At a later stage i.e. in the year 2002, the projects were merged into a division of Delta Life, namely, Gono Grameen Bima Division. The GNGRB Division has been growing at a first rate of more than 25% p.a. for the last couple of the years and is poised to maintain this growth rate at least in the abutting five years or so. Delta Life can take pride in moulding the saving habits of the lower and middle class people and transforming them into prospective policyholders. The potential is now so strongly perceived that all life insurance companies old and new alike operating in the country have started their own micro insurance products.FindingOrdinary Life InsuranceDelta Life offers a wide variety of ordina ry life product/plans ranging from the closely common endowment type to more modern and sophisticated plans like endowment with slack term, pension plan with built in provision forincreasing pension, increasing protection with provision for bounty refund etc. The plans have been designed keeping in view the diverse and multifaceted needs of the insuring public belonging to different strata of the society. Some of the popular plans are briefly described below. conclave Life Insurance conclave Insurance is an instrument for providing life insurance coverage (protection) to a number of privates under a single contract (policy) who are associated together for a common interest other than insurance. It is the most cost effective means to provide immediate financial support to an insured phallus and/or his family in case of devastating events like-decease, disability, disease as well as retirement. group Insurance has already established its importance as a component of Employee Ben efit Package in Bangladesh. Exclusive features of Group Insurance are Insurance coverage to a number of individuals under a single contract. wide-eyed insurable conditionsEasy administrative procedurePrompt claim settlementAffordable premium valuate exemption on premiumDelta Life offers a host of Group-Life Insurance schemes from which an organization/ employer may charter for benefits of its members/employees, as may best serve their interest according to organizational setup. To be treated as a group, the following criteria need to be fulfilled. A Group Should comprise of at least 15 membersIt should be a legitimately organized bodyGroup clients of Delta Life Insurance Company exceptional include Semi-Government organization, autonomous bodiesPrivate, Non-Government Organizations (NGOs)Educational Financial InstitutionsPublic Limited CompaniesAssociations, Business organizations etc.Group Life Insurance projects offered by Delta Life are of two types Traditional devices For i nsurance coverage of members/employees of a GroupExclusive Schemes For insurance coverage of clients of Financial Institutions Traditional SchemeThese are the commonly offered Group-Life Insurance schemes and are also known as Basic SchemesThese areShort boundary ContractGroup Term Life Insurance Scheme (GT)Group Term Life with Premium Refund Scheme (GTR) vast Term ContractGroup Endowment Life Insurance Scheme (GEN)Group Pension Scheme (GP)There are several variants of Basic Schemes. Examples of two variants of GTR are GTR-100/10 Group Term Life with 100% Premium Refund after 10 years GTR-50/10 Group Term Life with 50% Premium Refund after 10 yearHealth InsuranceHealth Insurance is now considered indispensable in developed countries. In the present financial-social perspective of Bangladesh as well, Health Insurance has now become an essential, dependable, acceptable and the most cost effective means to make the modern treatment facilities affordable to all socio-economic classes of people, especially the fixed income group. As a pioneer of Health Insurance in Bangladesh, Delta Life Insurance Company offers several Health Insurance Schemes, which are as followsHospitalization (In-patient) treatment coverage plansHospitalization Insurance intent (Group)- offered to Members of a group and their dependants (if desired) Hospitalization Insurance Plan ( individualistic) offered to an Individual as well as his or her dependant family members also known as Delta Care Hospitalization Plan. Out-patient treatment coverage plansOut-patient Insurance Plan Offered as an adjunct to Group Hospitalization Out-patient Management Plan Offered as an adjunct to Group Hospitalization Overseas treatment coverage plan for travelersOverseas Medicliam Policy (OMP) A pre-requisite for visa applicationoffered only to Individuals traveling abroad. Hospitalization Insurance PlansCovers in-patient (Hospitalization) treatment expenses of an insured member Expenses Covered under Hospi talization Insurance PlansHospital AccommodationConsultation FeeMedicine Accessories aesculapian InvestigationsSurgical OperationAncillary Services like Blood Transfusion, Ambulance Service, Dressing etc. General Features of the SchemeNo need for preliminary Medical Examination during enrolment. Treatment coverage round the clock inclusive of Accidents and Emergencies. Coverage offered to Bangladeshi National as well as resident foreigner. Treatment at any renowned hospital or clinic by consultant of own choice.Preferential service at Designated Hospital.Direct payment of treatment expenses by the company at Designated Hospital. Reimbursement of expenses for treatment at non-designated hospital. Membership ID card for each insured to facilitate preferential services. Option for Maternity Benefit and Overseas Treatment coverage. Provision for inclusion of Spouse Children under the plan. Provision for inclusion of new member under the plan.Coverage up to 65 years under Group HI 60 years under Individual HI plan. Two types of plans with several benefit grades to choose from. Option to choose more than one grade according to emplacement of the members of a group. Option to alter benefit grade during renewal.Gono Grameen BimaDelta Life first launched Micro-insurance product in 1988 through its Grameen Bima Project (GRB) to cater to the necessity of economic protection against premature death and of disability as well as providing a way for regular savings for the poor and low income group of people supporting in villages. Later it started another project in 1994, namely, Gono Bima (GNB) for the urban poor and the low income class. These projects are now merged under thename of Gono-Grameen Bima Project (GN-GRB). The initial problems apart, the project started to yield impressive results right from the send-off by creating great interest among the target population who could not even perceive an institutional locating through which the ever present problems of in hostage of life could be addressed. To suit the needs and pockets of the target people, and for competent management of these portfolios, some of the age-old traditional concepts of carrying on life insurance business had to be reduce and in some cases replaced by simple and straightforward practices. Yet, the results are so encouraging that Delta Life is now regarded far and wide as the undisputed leader espousing the cause of welfare of teeming millions and its experiences are now used to advantage not only by indigenous companies but also other micro-savings organizations abroad. drive Group and the ProductIn GN-GRB the formalities are minimum. Insurance Cover is given under Group Insurance concept. A person interested in a policy submits a simple two-page proposal form it is signed or thumb imprinted by him or her. There is no need for checkup check-up. The person needs to be between 18 and 45 years of age, have a periodical income of Tk. 5,000.00 (US $100.00) or less , be of good health and supply a Declaration of Good Health (DGH) at the time of submitting the Proposal form. Death through pregnancy complications within the first year of the policy and death through suicide in the first year of the policy are not covered under an exclusion clause. Simple endowment with profit policies are offered for 10 and 15 years term both with premium payment mode being weekly or monthly. Premium rate is the same no matter of age at entry. Besides this plan, new plans like three-payment plan with 12 and 15 years term and double protection endowment plan have recently been introduced.Policy DocumentsUpon acceptance of the proposal, a pass book is issued to the policyholder detailing all terms and conditions of the policy. The pass book serves as the purpose of recording of all payments made by him towards the policy. There is one group policy document for the policyholders of each Thana or Block. For individual policyholders the passbook serves as policy doc ument.Micro Investment (Loan)GN-GRB gives small project bestows to its policyholders on a group liability basis. No collateral is required. There is 20% service charge on the loans, which is calculated at a flat rate and added to the principal amount. The loan, together with the service charge, is repayable in 12 mate monthly installments. The repayments are collected from door to door by the organizers. Recently a decision has been interpreted to establish small collection booths in the villages. A person must be a policyholder and pay premiums for at least one year before being eligible for a loan. The maximum loan given is Tk. 5,000.00 (US $100.00) per policyholder. The loans are for income generating activities (IGA) only. Policyholders form a committal of 5 to 7 members. 3 policyholders selected by the committee are given the first loan. After recovery of 3 installments from each of the first three borrowers, the next 3 are given their loans and so on. As a general rule, 60% of the premium income of an area and 40% of the repaid loan of an area are available for loan in that area. Also 100% of premium collection of a committee is available for loan to that committee.Company overviewCrystal Insurance Company Limited is one of the leading general insurance (Non Life) company in private sector in Bangladesh. The company transacts a wide range of General Insurance business in Bangladesh and expertise in the field with sound and stable financial position.Our MissionTo provide prompt, efficient and professionalized services for maximum risk coverage of the insured. To provide insurance coverage at the most competitive premium rate ensuring maximum security. To promote Human Resource development and professionalism in insurance business. To settle insurance claim promptly. CICL believes in the quality of the deals struck rather than the quantity of it. With our knowledge and expertise it is our commitment to the insuring community to deliver them the highest standard of security and professionalism.FindingFire InsuranceFire Insurance Policy (including R SD, Flood, Cyclone Earthquake coverage) Industrial All Risks (IAR)Engineering InsuranceMachinery Insurance Machinery Breakdown Policy (MBD)Deterioration of Stock (DOS)Boiler and Pressure Vessel (BPV)Electronic Equipment Insurance (EEI)Erection All Risk Policy (EAR)Contractors All Risk Policy (CAR)Motor InsuranceMotor Insurance for Commercial VehicleMotor Insurance for Private VehicleMotor Insurance for Motor Cycle/ScooterMarine Cargo InsuranceMarine Cargo Insurance transit by Steamer or Power VesselMarine Cargo Insurance transit by Rail/Lorry/TruckMarine Cargo Insurance transit by Inland Rail or Road Conveyance Marine Cargo Insurance transit by Inland Cargoes (water borne) Marine Cargo Insurance transit by Air CargoMiscellaneousBurglary House Breaking InsuranceCash-in-SafeCash-in-TransitCash-in-PremisesCash-in-counterPeople personal AccidentWorkmens Compensation PolicyBusiness Interru ptionOverseas Med claim and Holiday InsurancePublic Liability PolicyProduct Liability PolicyConsequential LossHouseholders Comprehensive Policy

Security and Economic Revival Raise Hopes in the West Bank Essay Example for Free

Security and Economic resurgence Raise Hopes in the due west Bank EssayThe untested York Times article Security and Economic Revival Raise Hopes in the West Bank by Ethan Bonner covers the reemergence of the Palestinian-covered West Bank, specifically in the city of Nablus, after a series of bloody uprisings and encounters amongst extremists and Israeli forces. The Palestinian authority has been longing for control over their territories, and it has experienced its first sense of security and sparing stability since the second Palestinian uprising broke out in 2000.It seems that the economy has stabilized so far as the International Monetary Fund (IMF) projected a seven percent issue rate for the year 2009. A few infrastructure projects have also started as rebuilding and revival meeting of the West Bank range continued. A movie theater has opened and a seven-story furnishing store has started exertion recently which proves that the West Banks economic and security statu s has been stabilizing. Just two weeks ago, Israeli checkpoints have started to close down down and troops are gradually beingness pulled out from the area which are a detonate of the Israels promise to aid the Palestinian authority.However, doubts have been raised against this promise as Israel has not permitted Paltel, the Palestinian cubicle company, to construct network towers (Bronner, 2009). By far, peace and order has been evident within the West Bank. The two campsIsrael and promised landhave been working together in order to stabilize the economy of the area which is seen as a vital aspect for the areas growth. Security has also been a matter most attended to by two camps since it also helps ensure a slopped economic growth.If both the economy and the security will be stabilized in the area, there will be enough reason to believe that the Palestinians will be capable enough to handle the problems within their areas. Since Israeli troops are gradually being pulled out , it goes to turn up that trust is slowly being reestablished between the Israeli government and the Palestinian authority, which is a good sign of the zodiac for both sides future relations. So far, the Palestinian communitiesspecifically Nablus, West Bankhas experienced a steady growth and a revitalized sense of security.As known in previous years, the conflict between Israeli forces and extremists has greatly hindered economic and political growth within Palestinian territories, especially in the West Bank area. The traumas of conflict may have not been permanently erased, but there is still hope for the Palestinian communities in the future as the West Bank experiences stability within its local economy. Furthermore, the Palestinian authority has been present in order to address the local concerns of the area, attending mostly to the areas security.It may reduce years before the economy has completely stabilized and the security has been fully established, but as of now, the area has shown great signs of improvement as compared to previous years. People have felt more secure, buildings are being established and reestablished, and stores are being opened and reopened. Communities are starting to experiencing growth again. References Bronner, E. (2009, July 16). Security and Economic Revival Raise Hopes in the West Bank. The New York Times. Retrieved July 17, 2009, from http//www. nytimes. com/2009/07/17/world/middleeast/17westbank. html? ref=world.

Police Brutality Essay Example for Free

Police Brutality EssayPhiladelphia is located in New Jersey on the eastern sea board of the United States. This makes it an ideal location for immigrants from Nigeria to choose as an entry story into the US. This inflows has led to an over str etc. in the social amenities. In so far as Nigerians dress the jobs Americans do not want, the fact that they do not pay taxes means they cannot contribute to the growth of Philadelphia. The jurisprudence force on their part is predominantly white. They are not trained on how to deal with the newly population. How to be sensitive to their culture and beliefs. Since the arrivals are also not very at par with the American culture, this breeds a society that coexists but does not know how to interact and appreciate each other. This has led to an enlarge in police brutality especially among Nigerian males of ages 15-70. Both sides feel they are mis-understood-the police are trying to keep the peace, while the Nigerians are trying to make ends meet.While there are more than obvious signs of harassments against people deemed black (African-Americans and Native Americans) as opposed to whites to begin with, xenophobia (undue fear or discourtesy of that which is foreign, especially of strangers or foreign peoples) is more prominent against those foreigners who also happen to have darker skins which naturally includes Africans, Mexicans, Jamaicans, Carib-Africans, Haitians, Indians (from India), So. Americans, etc. nd other non-Caucasian races. Africans, who naturally fit into the black quota, therefore get a double-whammy should they encounter a police officer who has xenophobia, and Nigerians who have encountered harassment incidences have noted this as a prevailing portion in the course of their being harassed.Distinct accents are a dead give away and a xenophobic officer would have a field day should he encounter one whom he fears and thus portrays hatred towards (www. igeriansinamerica. com). There is need to tra in the police force on the necessity to track Xenophobia amongst its officers. Also, more black offices must be employed and an effort be made to assign them to practice in black communities and neighborhoods, to increase the acceptance of the police as a law enforcement agency.