Analysis of Theodore Kaczynski Terrorist or Serial Killer essays

Examination of Theodore Kaczynski Terrorist or Serial Killer papers The motivation behind this paper is to present, talk about, and dissect the subject of criminal equity. Explicitly it will talk about the Unabomber, Ted Kaczynski, and whether Kaczynski ought to be named a fear based oppressor or a sequential executioner, including the distinction between the two groupings. Ted Kaczynski, a hermitic loaner at war with American cultural qualities, made a rush of fear when he arbitrarily sent bomb bundles to individuals in a few states. Sentenced as the Unabomber in 1998 to life in jail, Kaczynski shows exemplary side effects of mental issue related with sequential executioners; be that as it may, Kaczynski was a psychological oppressor straightforward as can be. He pursued viciousness against blameless casualties as a pitiful dissent against American cultural qualities, and all things considered, made a flood of dread and disarray until he was gotten and attempted. He at present carries out an actual existence punishment in a California jail. Ted Kaczynski is a legend in America's criminal equity framework in that his natively constructed letter bombs proceeded for a long time before the FBI at long last got him. Kaczynski didn't begin as the withdrawn backwoodsman who avoided innovation and American culture. Actually, for the early long periods of his grown-up life, he was a piece of standard society. He was a college teacher and mathematician who came to accept, in actuality almost venerate the ideas that society was bound due to its general acknowledgment of innovation, legislative issues, and even advertising that stifles singular opportunity and annihilates nature. 'The framework doesn't and can't exist to fulfill human needs. Rather, it is human conduct that must be changed to fit the necessities of the framework' (Chase, 2000, p. 41), he wrote in his Statement. Kaczynski surrendered his residency at the University of California at Berkeley, and moved to the Montana wild in 1971. In 1978, he conveyed his first mail bomb, and the rest is history. The Unabomber examination is presumed to be the most expe... <!

Strategic Management Theory and Practice Process

Question: Talk about the Strategic Management Theory and Practice Process. Answer: Presentation The mechanical calamity is a special idea of the post-modern age that is made by man. The mechanical catastrophe have prompted thousand since origination of the modern transformation. A considerable lot of these calamities were avoidable and other were unexpected and inadvertent. In this writing, it will cover on the modern debacles and the purposes behind every one of the cases. On the principal instance of the modern debacle was the Willow Island catastrophe in 1978(Reason, 2016). On this disaster, it had been an aftereffect of the plunging solid, which constrained framework to breakdown. Fifty-one structure staff were cleared out in the disaster. This catastrophe is generally considered as the most terrible development setback in the USA verifiable past. The catastrophe occurred while the Allegheny vitality framework was building a totally new force plant that got a couple of regular make out of chilling off towers(Simons, 2013). As per the Occupational Safety just as the Health A dministration look into examination, the explanation behind the disaster was from various deficiencies, alternate ways that accomplished enacted the event of the setback. The platform was associated with the solid that accomplished practically no opportunity to appropriately fix. There was jolts that had been lost, alongside the present jolts, which were put, to utilize were of inadequate evaluation. Flanking this, there was plainly one access stepping stool, which constrained on the capacity to sidestep. Moreover, there appeared to be modification of the solid facilitating gadget that required not as of late been successfully assessed. Basically on the grounds that it is evidently the circumstance the developer were rushing to speed on the structure(Straub and Zecher, 2013). The following occasion is the magnificent sugar processing plant blast in 2008. The blast of the magnificent sugar was an industrialized catastrophe in Port Wentworth. 13 people were murdered off much more than forty-two were injured while the residue blast occurred at the sugar refinery(Clegg, Kornberger and Pitsis, 2015). The sugar treatment facility was a four stony structure, the workforce called attention to that the issue was antiquated with bunches of their machines going back for longer than 20 years. By the by, the site was held into working as it gives an incredible utilization of the rail just as the transportation and conveyance connect since methods for transportation(King, 2013). The reasonable justification of the fiasco was energized by the huge gathering of the flammable residue of the sugar all through the bundling building. Obsolete development materials and strategies further caused the expansion of the fire. The roof itself was made of wooden tongue and notch des ign(King, 2013). The third modern catastrophe is the LAmbiance square breakdown, which happened in 1987. This court was a sixteen stony private undertaking that was under the development in the Bridgeport. It was an erect in part outline that fallen murdering twenty-eight development workers(Williams, 2013). The main driver of the catastrophe was the breakdown was a result of significant weight that was put on the floors of the chunks by lift piece method. The determination of this occasion depended on the way of thinking that built up the insufficiencies to the lift section fabricating thus there was obviously a need to feature on the development techniques. Ideas and phrasings in the executives In taking a gander at the cases it is noteworthy to features a few ideas so as to dissect working on it premise of the disappointments that caused the calamities. A portion of the terms to note and their significance of these viewpoints are as per the following; data, dynamic, order and the control. Data in the executives it alludes to a framework wherein gives the directors the instruments to arrange, assess and oversee adequately of the division in the organization(Clegg, Kornberger and Pitsis, 2015). The dynamic characterizes the strategy that is deliberately browsed a given arrangement of different options so as to accomplish the authoritative or the administration goal and goals(Hill and Jones, 2013). The way toward settling on the choice is constant and it is essential parts to the administration of any association exercises. Concerning the administration the order and control involves by and large to keep up the authority inside a disseminated dynamic platform(Shafritz, and Ja ng, 2015). Significant of these ideas in the board and connection between them The supervisors run the association and without the administration in any association, there is no levels of leadership and control that can take place(Shafritz, and Jang, 2015). In the dynamic, process the chief in the association transfers guidance to the next representative who stick to and detail them in like manner. There guarantee they that the representatives follow a provided hierarchy of leadership in whatever they do, and without the administration there would be bedlam in the association. In any association, it needs the administration aptitudes, which go about as the foundation of the administration. In any association, there ought to be the executives so as to make the authoritative structure(Hill and Jones, 2013). In addition the decide how the various viewpoints inside the association will communicate. In any association, the connection between the administration and firm is the most fundamental job to making efficiency and progress. The chiefs plan on the structure fo r the creation frameworks. They step up a structure, which will manage the association from dynamic, order and the control, and each worker ought to hold fast to the guidelines and strategies set. The administrators are the drivers for the dynamic and the work power ought to follow and execute them likewise. Hypotheses and legitimization to help these angles One of the speculations to legitimize on the cases above is the possibility hypothesis. On this hypothesis, it declares that when the supervisors settle on the choice, they should take into records of all weakness in some random circumstance and follow up on those viewpoint that is the way in to the circumstance that has occurred(Clegg, Kornberger and Pitsis, 2015). In the cases over the administration of those organizations ought to be considered responsible for the deficiency of the occasions. The primary wellspring of blunders were because of absence of perseverance of the administration in their activities. Another hypothesis that can be applied in the administration of these associations is the bureaucratic administration hypothesis. On this hypothesis weber concentrated on the division of the association into different progressive systems, to build up a solid line of power and control(Williams, 2013). Further, it specify that the association can build up an extensive and a poin t by point standard for the working methods for all the assignments. In the instances of catastrophe that had happened if the administration had received this hypothesis, there would be no issues of unsatisfactory materials, no deficiency in any office and there is exacting holding fast to strategies. Imperfections that acquired the fiasco the cases The principle blemish that caused these associations lied in the meeting room, with a major issue of abilities hole and the hazard visual deficiency as the other reason. The powerlessness of the board to impact the official was the fundamental driver of disappointment and event of the disasters(Reason, 2016). A visual deficiency of a board to the hazard can unfavorably cause mayhem and emergency. This happens particularly where there is deficient progression of the data from the board, and lacking administration on the association ethos by the administration. End In this paper, it has taken a gander at the absolute most crushing modern fiasco that have happened on the planet. Further, it has investigated on the underlying driver of these catastrophes, and why the decision of the cases. It was likewise transcendent to take a gander at the different administration viewpoints, how they impact the association, the hypotheses, and the imperfections that brought these fiasco. The perspectives that have been featured will in general gander at the wide relevant part of bigger image of what can occur if the board isn't enthusiastic about the activity of the association. References Clegg, S. R., Kornberger, M. also, Pitsis, T, 2015. Overseeing and associations: A prologue to hypothesis and practice. s.l.:Sage. Slope, C. W and Jones, 2013. Key administration hypothesis. s.l.:South-western/Cengage Learning. Lord, R., 2013. Security in the process ventures. s.l.:Elsevier. Reason, J., 2016. Dealing with the dangers of authoritative mishaps. s.l.:Routledge. Shafritz, J.M., and Jang, Y.S, 2015. Works of art of association hypothesis. s.l.:Cengage Learning. Simons, R., 2013. Switches of control: how supervisors utilize imaginative control frameworks to drive vital recharging. s.l.:Harvard Business Press. Straub, E and Zecher, C, 2013. The board conttrol frameworks: an audit. Diary of Management Control, pp. 23(4), pp.233-268. Williams, C., 2013. Standards of the board. s.l.:South-Western Cengage Learning.

Assume that Canadian Tire is opening up a store in Ghana Essay

Accept that Canadian Tire is opening up a store in Ghana - Essay Example It was overwhelmed by two pilgrim powers, which are France and Great Britain. In time, Britain had the option to rule both the political and social powers in Canada. Two critical networks are recognized by language, culture, religion and governmental issues and they live independently from one another since they have unique perspectives on the historical backdrop of Canada as a country. In contrast with Ghana, Canada has two unmistakable qualities of regular utilizations. Canadians are enormous eaters where meat will in general be the ruling bit of every supper. They have three ordinary suppers in a day where breakfast is the biggest and most significant dinner of the provincial individuals. Canadians take lunch at late morning, and the urban individuals take a tidbit however it stays a significant dinner to the country individuals. Supper is the last conventional dinner of the day, which is taken by private gathering all in all, and it tends to be reached out to nonfamily individuals. Ghana’s principle diet is comprised of dull staples went with soup or stew. Backwoods harvests, for example, cassava and tropical sweet potatoes are for the most part expended in the south (Kaminski, 2012). Corn and rice are generally significant among the Ga people group however their principle food is fufu joined with cassava. Soup fixings in numerous networks incorporate reg ular vegetables joined by creature proteins, particularly fish. Furthermore, palm nuts and nut crops are the most loved among various networks in Ghana. Indigenous nourishments are eaten at all social capacities even by the western individuals. It is uncommon to discover eateries outside urban business regions however most neighborhood bars offer different nourishments to laborers and unhitched males. Ghana’s economy generally relies upon essential items, for example, cocoa, gold and timber. Global exchange adds to 33% of the GDP while 70 % of fare salary originates from the last three significant items. The local economy is for the most part engaged with essential agribusiness

Laboratory Report About Infection Of An Insect With Fungi - 825 Words

Laboratory Report About Infection Of An Insect With Fungi (Lab Report Sample) Content: Exercise VIII: Infection of an Insect with FungiTelan, Jose Angel Jude B 5/28/18 ENT 275-2286021844000Abstract-17145228473000Entomogenous fungi infect insects by direct penetration to the insect cuticle unlike other entomopathogens which require ingestion in order to cause infection. Some of these entomogenous fungi are being used for biological control projects, such as Meterhizium anisopliae and Beauveria bassiana. In this experiment, Metarhizium anisopliae and Beauveria bassiana infection process will be observed which should be enough in order to get the students familiarized to infection of entomogenous fungi to insects. Both culture suspensions and spore suspensions were previously prepared prior to this experiment. Castor leaf discs fit in petri dishes were disinfected and prepared to be submerged in these suspensions. Ten Spodoptera litura larvae were subjected to each treatment, with the spore suspension setups having two replicates while the culture suspension setups have only one replicate. Mortality was achieved on all replicates after 72hrs. but the setups exposed to culture suspensions achieved complete mortality quicker than spore suspensions. This signifies that the students were able to get familiarized with the entomogenous fungal infection process against insects.IntroductionFungi are eukaryotic organisms that reproduce through spores. They are heterotrophs, and some have sexual and asexual phase. Entomogenous fungi are fungi that infect insects. Unlike most entomopathogens, they do not require to be ingested and first develop and germinate in the cuticle surface upon exposure before cuticle penetration in order to develop internally. They usually require high moisture and humidity in the atmosphere to proliferate. (Mora et al. 2017) Popular fungi used for insect pest management strategies include Metarhizium anisopliae and Beauveria bassiana. They are commonly known as green muscardine fungus and the white mu scardine fungus respectively. (Butt et al. 2008) In this experiment, students will be familiarized with the infection process of the mentioned fungi species.Materials and MethodsThe working area and the materials to be used including leaves were disinfected prior to this experiment. Castor tree leaves were utilized in this experiment and cut into leaf discs in sizes fit to be stored in a petri dish. The cut leaves were then sterilized further in chlorox solution for 5 mins then washed in flowing water for 10 mins. The washed leaves were then blot dried in a paper towel before usage. Larvae to be used were then submerged in a specific solution for 2 minutes. 10 larvae were prepared prior to each treatment, with one treatment using the sterilizing solution and the other treatment using conidial suspension. Daily observation was conducted and any particular change in symptoms were recorded. Once mycelium growth is observed in larvae, they were individually kept in microcentrifuge tubes and stored in the refrigerator for further observations. Treatment involving cultures were also prepared. Previously grown cultures of M. anisopliae and B. bassiana were mixed with distilled water and the resulting suspension was applied on castor leaf setups. Surface sterilization of the larvae were conducted then rinsed in sterile distilled water. The treated larvae were then stored in a prepared petri plate with potato dextrose agar (PDA) and observed for mycelial growth after a week.Results and DiscussionTable 1. Tabulized data representing the mortality of the exposed Spodoptera litura larvae on certain hours post infection.Mortality after: 24hrs 48hrs 72hrs Replicate 1 2 1 2 1 2 Control 5 3 7 6 8 7 M. anisopliae suspension 7 0 7 0 8 0 B. bassiana suspension 8 7 9 9 10 10 M. anisopliae culture 8 10 10 B. bassiana culture 4 10 10 43338751390015Figure 1a - 1c. Left: Notice the greenish irregular colony on the upper right side of the PDA plate, this colony was preliminarily described as M. anisopliae. Top right and Bottom right: Setups with the S. litura exposed to M. anisopliae and B. bassiana respectively. Notice the bloated specimens and seemingly frozen appearance of the cadavers.00Figure 1a - 1c. Left: Notice the greenish irregular colony on the upper right side of the PDA plate, this colony was preliminarily described as M. anisopliae. Top right and Bottom right: Setups with the S. litura exposed to M. anisopliae and B. bassiana respectively. Notice the bloated specimens and seemingly frozen appearance of the cadavers.25012652962275002501900137414000132715137414000Fungal growth on the surface cuticle was not observed on both setups with Metarhizium anisopliae and Beauveria bassiana. However, they were able to achieve mortality as compared to the control setup ...

Credit Risk Management in Banking - Free Essay Example

Sample details Pages: 18 Words: 5533 Downloads: 7 Date added: 2017/06/26 Category Management Essay Type Analytical essay Did you like this example? This chapter demonstrates the literature that is relevant to the research on Credit Risk Management in Banking. The author has enclosed literature on dynamics, models, model features, and Basel II regulatory process for credit risk. The author has also enveloped literature on credit risk management in banks. Don’t waste time! Our writers will create an original "Credit Risk Management in Banking" essay for you Create order The author has also exhibited the literature on currently available approaches in calculating and managing the credit risk and its fit of with current banks in India. This chapter mainly focuses on the module and element available in credit risk with its fit with Indian banking sector. Many innovations have been brought in the financial services, in this the credit risk had been given the major importance to stop them from the failures and have a common goal: enhancing the risk-return profile of the bank portfolio. (Bessis 2002; Greuning and Bratanovic 2000) This chapter will form the basis for the arguments presented in preceding chapters. In the world of rising competition and turbulent business environment, it has become essential to identify measure and manage the credit risk to improve economical capital over the period of time .To enhance the credit risk new strategies been evaluated (Lore and Borodovsky 2000). Over the period of decade there is a tremendous change in banking to manage the economic capital and more than 80 percent of banks balance sheet generally relates to aspect of risk management. It involves complete assessment of the banks in different aspects such as supervise, control, enforce and recover loan, advances, guarantees and other credit derivates and the overall assessment includes the banks credit risk management policies and practices of the bank and in vice versa it makes banks to identify, measure and manage credit risk according to the changes in global capital market. (Greuning and Bratanovic 2000; Bessis 2002). 2.1 Definition of Credit Risk Credit Risk has been defined by many authors writing on this topic. Some of the definitions are as follows. The risk of loss due to failure by counterparty to perform on a contractual obligation (Banks 2002) The risk of changes in value associated with unexpected changes in credit quality (Duffie and Singleton 2003). The risk that a borrower will be unable to repay (Coult 1990). This is the risk that a counterpart defaults and the bank losses all its market position or that part which is irrecoverable (Andrew 2002). Credit risk is the risk of loss due to a non-payment of a loan or credit. It can be either the principal amount or interest amount. It exists when payment is being expected from someone he fails to pay. Lending financial institution creates substantial provisions or write offs ( Brain 2000 ) The risk that counterparty will not settle an obligation for full value, either when due or at any time thereafter, in exchange for value systems, the risk is generally defined to include replacement risk and principal risk (Gallati 2003). Credit risk can be defined as the economic loss suffered due to the default of a borrower or counterparty (Lam 2003). Credit risk is commonly thought of as the probability of default (Barnhill et .al., 1999). The possible loss (probability of default) that could occur for the ROP if the counterparties fail to meet their financial responsibilities, not only at the present time but also in the future (during the maturity of all outstanding transactions that result in credit risk). Settlement risk is explicitly excluded from the definition of credit risk (Blommertein 2005). 2.2 Credit Risk: It is the risk which is associated third parties money borrowed and he is not able to pay. In first the organization determines the interest rate for the loan and the guarantee amount required to secure the loan to check the credit worthiness (Andrew 2002) Credit risk includes risks connected with upgrading or downgrading borrowers credit worthiness. (Tapiero 2004) financial risks such as market risk, operational risk and credit risk decides the probabilities of future returns, extreme events and unknown defaults within an organization. Proposing credit risk combined with information leap decision theory, helps financial sectors balance regulatory requirements and revenue targets through loan and interest rates for secure credit risk group. (Web1).The external risks that are inaccessible from organizations control but affected by its financial operations are the financial risk, which includes Credit risk Liquidity risk Currency risk Cash-flow risk(CIMA ) 2.2.1 TYPES OF CREDIT RISK: Different authors had given different approach regarding credit risk types: Pre-settlement risk is a loss in advance before terminating a contract due to counterpartys default; this loss mainly depends on the alternate value of the contract at the time of default. Settlement risk- is the loss realized, when the payments are not received according to the contract on the settlement date.( Aziz and Charupat2000) Personal or consumer risk Corporate or company risk Sovereign or country risk (Greuning and Bratanovic 2000; 126) Credit default risk Credit spread risk (choudhry 2004; 2) 2.2.2 Five Main Factors Contributing the Level of Losses with Credit Risk Models: Changes in loss rate given defaults. Ratings migration. Correlation among default and rating transaction. Changes in credit spread. Changes in exposure levels. (Gallati 2003, 136). 2.3 CREDIT RISK POLICY: According to (Coyle 2000) policy should be realistic and manageable and there several different ways to formulate the policies depends on the management. Credit risk policy of every bank have to determine: how much credit to be provided; for what time duration; types of clients and so on, the bank policy should also specify the degree of diversity in size and the concern is apparently in profitability and the risk of loan. Credit rating desired by banks should have tolerance for risk associated with their economic capital. In this case, credit risk can be diversified and other risks can be priced high. Management must indicate the tolerance level to its credit risk and bind the loan losses (in terms of probability). Authorities should set approval on the credit sizes and the risk exposure. Credit risk should be tracked and the exposure level reported systematically combined with information about creditors in it and (Crouhy Et al 2006) often the policy are insufficient or same type o f other product makes the profit maximization (Mostafa 2000) policy should be employee knowledgeable and capable persons to control and manage risks, and reviewing reports from management to certify the adequacy of risk profile and controls. (Website 7) 2.3.1The Most Commonly Used Management Tools Include The commonly used tools by the management in setting up the policy are: Pricing of loan transactions based on the risks involved in it. Individual loans or portfolios are to setup with risk limits. Applying as a tool for managing credit risk credit insurance, derivatives and guarantees Securitization of risks. Buying and selling of assets.(FMA Report 2005) 2.4 Dynamics of Credit Risk Variety of aspects factors in banks credit risk business; identifying and better understanding and gives a good opportunity in lending activities and maximise the return on the risk which banks has taken (Kudyba 2004)The importance measuring and identifying of credit risk makes both the possibility of default and loss incurred. According (Duffie and Singleton 2003; Culp 2001; Banks 2002; Kudyba 2004) they had given three dynamics influencing the credit risk are. 2.4.1 Identifying Credit Risk: Different authors have different approaches in identifying the credit risk process, it provides with strong base for the better risk management process. The identifying activity determines the business at each for its capability (Glantz 2003) and impact of the current decision on the business (Basu and Rolfes 1995)the business at the individual level they are taken in the account but later it may be aggregated for the better management of risk, not only the current risk are identified r but also the emerging risk are taken into account and even those which doesnt have impact with the business but it may have in the future and identifying, could provide with better constraint for the future in business in regards to credit risk (web 1). the credit risks at each level is studied and then a cumulative risk statement for the organization as a whole is formed, during this process the present risks as well as possible risks in the near future should be marked with the help of valid knowled ge from risk officers, the credit risk identification process must proceed in a logical succession: beginning with the most common or essential and moving to the more complex or esoteric. Thus, the identification of risk must be broad and stand as basis for quantification and limit-setting phases. (Banks 2002; Bitner and Goddard 1992; Kudbya 2004). Illustration: Credit risks: Fundamental Unsecured loan / loan-equivalent default risk. Derivative-equivalent default risk. Marketable securities. Deposit default risk. Settlement / delivery risk. Sovereign default risk. Convertibility risk. Collateral default risk. Liquidity risk. (Banks 2002) Esoteric Cash flow mistakes risk (creating unsecured loan). Contingent cash-flow risk (triggered by events). Credit cliff risk (triggered by rating events). Model risk (in credit analysis, pricing and valuation).(Banks 2002) 2.4.2Measuring credit risk: According to (Duffie and Singleton 2003) the measurement of credit risk presents some challenges in measuring, but credit risk is considered as a component of market risk. The measurement process requires a blend of theory and art (Figlewski and Levich 2002) thus measuring of credit risk is being done in different ways (anonyms). Specialized measures of credit risk The involvement of credit risk to market risk is difficult in providing the benefits to the counterparty from credit risk and limiting the interest towards credit risk by industry, geographic region and so on. Several complementary measures of credit risk have been exposed for the better understanding of credit risk and risk managers explored such measures (Duffie and Singleton 2003). B) Market value of default loss: Determining the Value of Debt and Market value of default loss are the same (Burner 2004). An approximate calculation of the influence of credit risk on market values helps to figure out the expenses and profits of marketing and in determining the strength of financial firms resources supporting credit risk. Determining of value of debt is same as (Duffie and Singleton 2003; Glantz 2003). C) Exposure: Accurate measure of exposure quantifies future measures (Schwartz and smith 1997) In case, new plans that attract customers attitude is introduced by a counterpart, the exposure measure is used by an organization to limit strategies and reward credits, exposure might be fruitless when the counterparty conceals essential information. (Duffie and Singleton 2003; Servigny and Renault 2004). 2.4.2.1 USES OF CREDIT RISK MEASUREMENT: Active portfolio management. Setting of concentration and exposure limits. Setting of hard targets on syndicated loans. Risk bearing pricing. Improving the risk return profiles of the portfolio, Evaluation of risk-adjusted performance of business lines of managers using risk-adjusted return on capital. Economic capital allocation. Setting or validating loan loss reserves either for direct calculation or for validation process.(Website 3) According to (Fma Report) though there is no standard protocol for measuring credit risk, a regular evaluation of credit risk is a must for a perfect financial management. The actual loan losses distributed are asymmetric so there could be small chances of big losses and big chances of small losses (Glantz 2003) Credit risk is calculated from possible losses in credit portfolio, the possible losses can divide into Expected loss. Unexpected loss. 2.4.3 Expected loss: The loss which is expected from the borrowers default probability and the exposure at default less the recovery data, i.e., all expected cash flows, especially from the realization of collateral. Under certain credit conditions all the expected losses should be accounted for income planning and included as standard risk costs. (FMA Report; Figlewski and Levich 2002 2.4.4 Unexpected loss: The unexpected loss arises from the expected losses. They are taken into account indirectly via equity costs for income planning and setting up credit conditions. Risk coverage capital is used to secure the unexpected loss to compensate the expected looses. (FMA Report; Figlewski and Levich 2002) 2.4.5Expected loss vs. unexpected loss: The expected loss and unexpected loss cannot be minimized through diversification. The yield from loan can be made profitable by covering directly the expected loss (it should be included related funding and operating costs) and by covering the unexpected loss indirectly (making profits from banks difficulty rate on the assigned capital cushion ). Exact measurements of Expected loss and unexpected losses are decisive for profitability measurement. Comparing pricing, resource allocation, or portfolio management is critical to find out the profitability and it is helpful only when there is constant measurement of expected loss and unexpected losses. The connection among Unexpected Loss and Concentration Risk, Correlation and Portfolio measures the uncertainty or variability of loss. The possible levels of unexpected losses in a portfolio of credit exposures are essential to the successful management of credit risk. Expected loss is subtracted from loss at the confidence interval usuall y done by all the banks. Credit pricing is used for recovering the expected loss. Therefore, capital is needed only to cover Unexpected Losses (loss estimated at the confidence interval minus EL). (Glantz 2003; Saunders and Allen 2002;Saita 2007; Website 3) figure 2. Explains correlation against the expected loss and unexpected loss. (Adapted from website 3) 2.5 Calculation of Credit Risks: For measuring the unexpected losses the two main methods used today: Value At Risk Analysis or Scenario Techniques The accuracy level and methods of calculation are totally different in both the methods .scenario techniques are the easy methods and used where the VaR IS not possible. 2.5.1Value at Risk (VAR) ANALYSIS: According to (Fma report) Value at Risk:the maximum loss will not exceed a certain probability at a given horizon is used to measure, manage, assess and control in investment management (jorion 2004) While determining the value at risk, the confidence level exposes the probability of maximum losses which will not exceed the holding period and analysis can be done on the available historical data (Pilipovic 1998). VaR estimates the current value of portfolio and probability of changes in the future portfolio. (Marrison 2002) The level of accuracy is usually measured between 95% and 99.95%, which shows the highest loss possibility between 5% and 0.05%. In holding period, loss occurs due to liquidity of assets. Value at Risk analysis has the advantage of calculating risks with different portfolios and with different types of risks such as credit risk, market risk and operational risk. (Pearson 2003; Saunders and Allen 2002; Saita 2007) 2.5.1.1Computation of Value at Risk: To calculate value at risk, for single assets is a bit uncomplicated (Caouette et al 1998) it is necessary to conclude the allocation of potential losses in credit portfolio. Assumptions are made at default rate and they developed for the future exposure default. Value fluctuations in the extreme market movement are calculated by using stress tests but insufficient historical data can restrict the calculation of credit risk. (Fallon 1996; Fma Report; Pearson 2003) 2.5.2 SCENARIO ANALYSIS: Scenario analysis put up a multiple factors such as conceptual (verbal), relational (models) and numerical (data) can be organized in a logical manner (Website 9). The existing historical market data and/or internal bank data generates a scenario relating to the development for the default rate. It is mostly used in potential future losses and external losses (Rosengren 2006). In the Normal case scenarios, the developed loss is unspecified with certain historical period. In Worst case scenarios, occurrences of excessive losses are unspecified. It is used in determining the area of fluctuation in portfolio values. Higher feasible risks are calculated on the basis of scenario analysis. This techniques has a limited explanatory power will make only a few changes in parameters. The quality of result will be lower when compared to value at risk concept. From the given historical data and limited parameters, value at risk concept cannot be achieved. Banks using the results from scenario an alysis have to accept less precise results than using value at risk concept. The additional cost or profit and additional benefit could be derived by implementing this method. (FMA report; website 10) 2.6 BANK FOR INTERNATIONAL SETTLEMENTS (BIS): The Bank for International Settlements (BIS) was established on 17th may 1930, is the worlds oldest international financial organization and it acts as central banks for all the banks. It fosters international monetary and financial cooperation for all central banks. The head office is in Basel, Switzerland. The BIS customers are central banks and international organizations and it doesnt anticipate any deposits or provide any financial services to private individuals or corporate entities and it strongly advises caution against fraudulent schemes. The BIS currently employs 557 staff from 48 countries. The Basel Based Committees supports in researching the economic, monetary, financial and legal activities. It shares the statistical information among the central banks, and it publishing statistics on global banking, securities, and foreign exchange and derivatives markets. The role of the BIS is dynamic to the global financial society and is also an emergency funder to nations in tro uble; it aided the countries such as Mexico and Brazil during their debt crises in 1982 and 1998. It does race directly with other private financial institutions for global banking activities. BIS struggle to offer quality services in order to attract central banks as their clients to provide security; it also maintains abundant equity capital and reserves that are diversely invested following risk analysis. It works With International Monetary Fund (IMF) of all central banks .it cooperate in organizing and reviewing the technical assistance for all central banks. (Zulu et al., 1994 And Baker 2002) The BIS fulfils this mandate by acting as: a forum to promote discussion and policy analysis among central banks and within the international financial community a centre for economic and monetary research a prime counterparty for central banks in their financial transactions Agent or trustee in connection with international financial operations. https://www.bis.org/about/index.htm https://www.investopedia.com/articles/03/120903.asp 2.6.1Basel II Main motto for implication of Basel II was to escape from one-size fits all from Basel I (Santos 2000) According to (Greuning and Bratanovic 2003) List of options for measuring credit, market and operational risk. The approaches set by Basel II balance themselves in terms of simplicity and accuracy. Basel committee considers three types of approaches to deal with credit risk are Internal ratings-based approaches Full modes approach Pre commitment approach(Servigny and Renault 2004, 393) 2.6.2Three Pillars of Basel II: Basel committee has developed three comprehensive pillars for sound capital regulation framework. The implementation of all the three pillars in a place makes adequate level of soundness. (Akkizidis and Vivianne 2006) 2.6.2.1Pillar 1 Minimum capital requirement: the main aim is to determine the capital required for portfolio in banks given the level of credit risk. (Williams 2007) 2.6.2.2Pillar 2 Supervisory review: it gives the supervisory approaches to the banks for their capital management .The aim here for the banks is to follow rigorous procedure in measuring the risk exposure and to have enough capital to cover their risk involved in it .Banks usually consider an internal process to demonstrate their risk profile, operations and strategy to enable the supervisors to intervene the banks capital. An approach for the identification and understanding of various situations such as the falling capital level can raise questions on the ability of a bank to withstand business shares. (Williams 2007) 2.6.2.3 Pillar 3 Market discipline: the new requirement has been introduced to reveal the risk information of equity and capital markets, so that the investor gets a better practised discipline regarding the bank behaviour. A cautioner notice can be available for the investor to find out the level of risk involved in it. (Servigny and Renault 2004, Crouhy Et al., 2006).In order to do business in a safe, sound and effective manner risk assessment mechanism is important. A perfect risk assessment makes a participant effective, reliable and timely in the market place. It gives transparency and disclosure in the capital adequacy issue. Figure 3 shows the picture of pillars formed by Basel II accord. (Williams 2007) Calculation of credit risk in capital adequacy requirement includes a standardized approach and two versions of an Internal rating based model. Figure 3 Adapated from (Akkizidis and Bouchereau 2006) 2.6.3CURRENT CREDIT RISK REGULATIONS: (1988) BIS guidelines have set regulations for current credit risk which includes the minimum capital adequacy for credit risk, the definitions for the countable equity capital and strengthening the capital standards in large banks. The calculation approach was switched by BIS guidelines and set as indirect capital requirement method or minimum capital requirement. At first, Instance Balance sheets positions are weighted in accordance to the counterparty risk and later 8% of standard capital requirement is multiplied and to be maintained for all the credit portfolio issued by the banks. (Williams 2007; Saunders and Allen 2002). Opportunities created in Regulatory Capital Arbitrage increases the risk based capital ratio through securitization and financial innovations, and many banks have lowered risk based capital considerably without decreasing the overall credit exposure. Therefore the stability is being created in the periods of disaster and insecurity. September 1997 Amendment in Basel Accord has given additional arbitrage opportunities in lower-risk based capital requirements. Grounding risk management and measuring with the available traditional data and formal quantitative techniques. (Fig. 3.1) (Effros 1998; Saunders and Allen 2002; Williams 2007). 2.6.1 Methods for Calculating Regulatory Credit Risk: There are number of approaches for calculating regulatory credit risk are: Standardised Approach: Risk weight of each firms assets are allocated in producing the sum of risk weighted assets value external credit assessment are used in determining the counterparty risk weight (FSA 2006) Simplified Standard Approach: Credit risk for small and limited licence firms which has incidental credit risk exposure .This might prove costly for the firms to calculate the regulatory capital calculations. In this case the firms are required to weight risk on whole exposures. If it is not possible the firms can use single risk weight to all exposures classes which might be unduly costly. (FSA 2006) Internal Rating Based (IRB) Approach: Here the internal assessment is established for the credit risk in their portfolios. The risk weighted in this approach will be more diverse than the standard approach. This approach risk sensitive. (FSA 2006) 2.6.2 DEFICIENCIES IN THE CURRENT REGULATIONS: Counterparties are not differentiated in depth with the risk weighting factors and thus the risk is not represented in satisfactory and in perspective form. Correlation within the credit portfolio is not measured. The hedging of credit risk is not judged with the credit derivatives, net economical output has been supported with the capital to judge the credit risk. (Erisk 2005; Alexander et al. 2005). 2.6.3 Factors Challenging existing Regulations in Credit Risk Management: The following factors challenge credit risk management are .Transactions and portfolio approaches are not differentiated in current practice. There are various contracts in commercial loans which are often complicated with our structural elements. Measuring risk adjusted profitability is difficult to accept due to lack of understanding in operating economic capital cost: limited loan trading makes it hard to compare the value between loans and other traded asset classes (Gallati 2003). 2.7APPROACHES AND OPTIONS OF BASEL II: Basel II regulatory has two alternative approaches for calculating the credit risk for their capital requirements they are Standardized approach and Internal Rating Based (IRB) approach. In standardized approach, credit risk is measured on the basis of External Credit Assessment Institutions (ECAI s). In IRB approach, banks use their own internal rating system to measure the determinants of credit risk and supervisory approval according to different versions- Under the foundation version, the Probability of Default (PD) is calculated on the basis of their own ratings, for the other determinants they rely on supervisors under the advanced version, and they have their own measures for all other determinants such as Loss Given Default (LGD) and Exposure At Default (EAD). (WEB 4) 2.7.1 MODELS OF CREDIT RISK: A majority of mathematical researches has been dedicated to credit risk for modelling the default event occurrence. (Bielecki and Rutkowski 2002) The main objective of these models is to support in pricing and hedging of financial contracts that are sensitive to credit risk. The pricing of credit risk is done in order to produce internal consistency in financial model. The two challenging methodologies emerged to model the default/migration times and the recovery rate, are structural approach and reduced-form approach. (Web 5) STRUCTURAL MODEL: The main concern in structural models is regarded with the modelling and pricing of credit risk that are specific to corporate obligation (a firm). The major framework of structural model is the evolution of firms value and the firms capital structure; hence it is also referred to as firm value approach. Value of firm structures the firms economical fundamentals. Structural framework has an alternate approach in postulating the bankruptcy decision and these results in specifying capital structure and strategic debt service. (Bielecki and Rutkowski 2002) REDUCED-FORM MODEL: The value of firms assets and capital structure are not modelled in reduced-form model. It is only concerned with the modelling of default time and hence referred to as Intensity-based model, and with migration between credit rating classes are called as credit migration models .(Bielecki and Rutkowski 2002) INTESITY-BASED APPROACH: Random time of default is modeled under this approach and with that evaluation of risk natural probability with default time and cash flows, Random time of default can be defined jump time. Conditional expectation plays an important role in evaluating the default intensity process (saunders 1999; Bielecki and Rutkowski 2002) CREDIT MIGRATION: It characterizes the expected changes in credit quality of obligor. The basic objective is asset pricing and risk management. The quality of credit migrates for each credit classes.( Bielecki and Rutkowski 2002; Ramaswamy 2003) DEFAULTABLE TERM STRUCTURE: Interest rates are modeled under this approach, but there is no much difference with default-free term structure. Interest rates are modelled for overall credit rating classes under default able term structure. (Bielecki and Rutkowski 2002; Schmid 2004) 2.7.2CRITICAL FACTORS IN CREDIT RISK MODELINGS: Probability density functions of credit loss. Expected and unexpected credit loss. Time horizon. Default mode. Conditional versus unconditional models. Approaches to credit risk aggregation. Correlation between credit events. (Gallati 2003, 136) 2.7.3 Developing Approaches in Credit Risk Management: The new generation with new technologies has emerged in engineering the credit risk topic. Eight most obvious reasons for this rapid rush in interest are, Maturity market risk area: The knowledge attained over the past decades on the basis of theoretical and academic research and also practical experiences has helped in realizing the importance of market risk modelling and in welcoming all new challenges on credit risk and operational risk. (Gallati 2003) Disintermediation of borrowers: As the expanded capital market is a boon and has given accessibility to small and middle-market firms. The borrowers who are left behind from raising funds from the banks and financial institutions are smaller and have weaker credit ratings. A rapid growth in capital market has lead to winners curse and it resulted in credit portfolio structure of financial institutions. (Gallati 2003) Competitive margin structure: Despite the average quality, loans have turned down in respect to the margin spread, (due to disintermediation), whole sale loan markets has gone very thin, lending has gone worse in risk premium and tradeoffs. The important factor is that, it has improved competition for low quality borrowers (finance companies). It concentrates on higher risk rather than low quality at the end of the market. (Gallati 2003) Structural changes in bankruptcies: Considering the economic downsides in bankruptcy statistics, it has showed a considerable increase in bankruptcies due to global competition and sectoral changes worldwide. Technology and credit risk analysis plays a vital role now than the past and promisingly the most important part. (Gallati 2003) Diminishing and volatile values of collaterals: The real estate value and asset value are hard to predict and are realized through liquidation process because of banking crisis has developed in different countries. In case of weaker rating, the collateral values risks lending. (Gallati 2003) Exposure from Off-Balance-Sheet derivative: Counterparty risk and credit exposure has grown on the basis of derivative market and it has extended the need for credit analysis in loan book. The leading banks have created imaginary value for the off-balance-sheet exposure using Over-The-Counter (OTC) swaps and forwards which exceeds 10 times more than their portfolio. The off-balance-sheet credit risk was one of the reasons to introduce the risk based capital requirement in1993. (Gallati 2003) Capital requirement: In BIS systems, a minimum capital requirement was held on the basis of marked-to market current value of OTC derivatives contract added with the potential future exposure. (Gallati 2003) Technological advancement: Information technology has played a vital role in developing the historical information databases which has provided the banks to test the high powered modeling techniques. Modern Portfolio Theorys (MPT) models and techniques have helped to analyze loan loss and value distribution in management of their portfolios. (Gallati 2003) 2.8Credit risk in banks: In rising market, banks have a poor conception of bank credit risk. (Global Credit Research 1999) Banking works as a part of an internal system in which credit circulated around various economic sectors. Banks and financial institutions must regularly balance risks and rewards. Dramatic increase in the price of interest rate on loan products, lose the customer; too low the prices of loan a product makes starve the profit margin or take a loss. More liquidity of cash in reserve makes miss investment, less liquidity makes risk regulatory refusal and financial instability in the market to stand. It is be difficult for the banks to measure overall risk exposure and strike the right balance. Senior management decides the credit scoring proportion for loan based on the customer or a client. Every bank has individual sub units for the credit risk, approval and sanctioning. Credit risk policy differs from banks to banks in the credit risk management is set by the top management of banks. Ban ks have a variety of options in credit risk models, for identifying, measuring and managing the risk. (Jorion 2003; Coult 1990; Gup 1999) Credit risk issues in the banks can be through consumer ,mortgage lending, bad debts, corporate consumers ,industry risk, settlement and delivery risk .(chartered institute of bankers 1988) The rapid evolution of credit risk management techniques speeds the advance of a response in the events in the banking and financial sector. Rising technological developments have played a supporting role in facilitating the adoption of most accurate credit risk management techniques. Even though advance in study and analysis in relation to credit risk, implementation of some new approaches has a long way to play for the large number of banks. Better measurement and management of credit risk in banks is likely to carry implications to develop in the future and it is reflected from the different activities of the banks. Certainly, as banks improve their ability to assess risk and return associated with their various activities internal subsidies will become more transparent. (Reserve Bank of Austra lia Bulletin 1997; Coult 1990; Gup 1999) The figure portrays the risk appetite in Indian banking and the major parts of risk in banks are credit risk as it holds the major part of risk in the banks and major part of concentration is given to the credit risk as shown in the figure 1. Fig 3. Risk appetite https://212.59.24.64/Kredito%20rizika/Rizikos%20valdymo%20sistema/krvaldymas2.pdf 2008 2.9Summary: From the above discussions the researcher has understood that credit risk have been defined in several ways. True fact is different books and articles got different ways of approaches towards the same meaning. Credit risk is given critical importance in the banks as it plays the important role in banks and other financial institutions. Credit lending is one of the main objectives of the banks and other financial institution; it takes the major part of the business other than market and operational risk. All the rest functional activities are depending on it. Various approaches and practices are being followed for the risk management. Different types of credit risk has been given by the various authors depends on the business and perception of the business. The different models and approaches show level of losses involved in credit risk. All the banks and other financial institution have their own credit risk policy depends on their size and nature of their business and mostly the management uses the common approaches to come out of it. The first step of banks could be identifying, as it works as the strong data base for the banks and the measuring, is to know the value of the business and later the managing, to protect from the future outcomes of risk in the business. The possible losses can calculated from the expected and unexpected losses. Unexpected losses can be calculated with two approaches Value at Risk and scenario analysis. Value at Risk exposes the probability of maximum losses which enables to measure and manage the credit portfolio. The future portfolio exposure losses can be identified. Historical and available data are used to calculate the credit risk in Scenario analysis future and excessive losses can be identified. Basel ll formed by Banks for international settlements (BIS) set for the central banks to manage their risk under the three pillars. The banks regulatory capital calculated under various approaches. Few options and approaches are set up for calculating the credit risk by the Basel committee .structural and reduced form method to validate the default loss in the current portfolio exposure .the eight most developing approaches reckoned in the credit risk management for the banks and other financial institutions. Banks works as mutual between the depositor and lenders and its internal system in which credit is spread around various economic sectors. Modern banks have come with various techniques and software to make out the credit risk in their banking business. As credit risk is one of major problems for the banks in their banking business and new approaches gave the new modification for the banks to access, analysis and manage the credit risk in the banks.

Star Spangled Banner - 1373 Words

Many people hail â€Å"The Star Spangled Banner† as the greatest piece of American music. The audiences of America’s national anthem seem, instinctively, eager to express their respect by embracing the notion to remove their hats and stand up. However, not many people ponder over the question of what â€Å"The Star Spangled Banner† truly means. What does it mean? Why does it deserve so much reverence and honor? What exceptional difference allows it to prevail over the masterpieces of prominent composers like Mozart and Beethoven? The answer is fairly simple. â€Å"The Star Spangled Banner† symbolizes America’s perseverance, its set of moral laws and ethics, and its history that constitutes what America truly means. â€Å"The Star Spangled Banner†Ã¢â‚¬ ¦show more content†¦It portrays America’s peerless zeal to defend its homeland and, in the course, its rights, its values, and its freedom that require such dear efforts to attain. Furthermore, it duly illustrates the many trials America is willing to face to create this new haven in which every person is free from persecution for following their perception of true freedom. However, the moral and humane laws of the Americans dictate the extension of freedom to others. Freedom, as the Americans come to believe, belongs to everyone. The most conspicuous example of America’s extending arms of compassion and equality is the Civil War. Of course, there is no obligation for America to fight a war against itself for the welfare of African Americans. Still, America is only abiding by its own set of ethical laws and the humanity that the Bible dictates. In comparison, the moral cause of this war is exceptionally similar to that in â€Å"The Star Spangled Banner†. Both of the conflicts involve America in an attempt to uphold its significant values and tenets through confiding in their religion. Both of the conflicts hail a future in which freedom shall govern this nation. Moreover, both of the conflicts prove America’s traditional values and faith apt to withstand wave after wave of bombardment without faltering. America is a separate little haven in which no limits exist to restrict the people’s religious faith or to hinder them from following their moral laws and values. â€Å"The StarShow MoreRelatedThe Movie The Star Spangled Banner 1991 Words   |  8 Pages Since the early 1900s, the playing of â€Å"The Star-Spangled Banner† is an opportunity for citizens to honor their country and reflect on the great liberties that they are afforded. It sounds simple but the anthem has become complicated. This is America 2016, a time where police officers are getting away with murder and a businessman is elected as our president. 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Additionally we had a song that touched all of the people inside the us this was called, â€Å"The Star Spangled Banner :The original hand-written manuscript of the poem that became the American national anthem and the Star-Spangled Banner flag that inspired it will be reunited in Washington DC later this summer for the first time.† (The Telegraph Online, Para #1) This song created the U S to express their gratitude

Ancient History Essay Example For Students

Ancient History Essay Tombs and TemplesWhat are some major architectural structuresof Ancient Egypt? There are many amazing sites of architecture in Egypt fromancient times. Many have been discovered, but there are still ones being discoveredand excavated today. Pyramids, tombs, and temples are the main structuresstill standing that can be seen today. The first tombs of the pharaohs werelarge, unimpressive, bunker affairs called mastabas. A mastaba (Arabic forbench) is a low rectangular structure which was built over a shaft whichdescended to the burial location. They were made from sun dried mud bricksand most have long since crumbled to dust. This all changed around 2630 BCwith the creation of the step pyramid. The Step Pyramid was designed for KingDjoser ,of the 3rd dynasty, by his vizier, Imhotep. The pyramid is locatedin Saqqara, the main necropolis of Memphis. The Saqqara pyramid has a seriesof six levels of stone decreasing in size as they ascend to about 200 feet/60meters in height. The Step Pyramid originally began as a mastaba, and it hasbeen visualized as a series of mastaba shapes, decreasing in size, stackedone on top of another. The surface was originally encased in smooth white limestonewhich must have caught the sun light and reflected its rays. It has the distinctionof being the site of the first large stone structure built in the world. Theplace where humans began to strive for the impossible, where the imaginationgained the power to transform reality. Some of the loveliest works of artever seen can be found at Saqqara, in the tombs of the nobles. The limestonewalls are delicately incised with myriads of animals, fish, birds, insects,vegetation and people hunting, herding and farming. Some of the forms stillretain their original paint, after 4,500 years! The quality of these compositionsdemonstrates that the Egyptians had attained, at an early stage, an artisticculture of a very high order. Cattle Crossing is an etching made from sketchesdone at Saqqara. The medium of etching, itself a process of erosion, seemswell suited to capturing the time worn quality of the relief carving. Theperson responsible for the step pyramid, Imhotep, is credited as being theinventor of building in stone and was a man of many talents Architect, physician,master sculpture, scribe, and astronomer. He must be the first true geniusin recorded history and the impression he had on the Egyptians was profoundbecause later generations revered him as a god of wisdom. The age of thefirst ancient wonders of the world began with the pyramids of Northern Sneferu. This Pharaoh built three pyramids and may have had a hand in others. His pyramidat Medium began as a step pyramid and was then modified to form the first truepyramid. It standardized the shape of all pyramids to come. Its four sidesare equilateral triangles which meet at a point. He built another pyramidsat Dahshur. It was called the Bent Pyramid because its upper part has a shallowerangle of inclination than the lower part. The slope of its sides probablywas adjusted due to the development of cracks in the base during the construction. When Khufu, also known as Cheops, became pharaoh one of his first actswas to curtail the growing power of the priesthood. He shut up all the templesand forbade sacrifices. As a priests living came from performing these ritualsit is not surprising that Khufu was unpopular with the religious orders. Some believe that his pyramid at Giza was built by slaves but this is nottrue. One hundred thousand people worked on it for three months of each year. .uff97bbfe9c5ad6435748cce38729d0b9 , .uff97bbfe9c5ad6435748cce38729d0b9 .postImageUrl , .uff97bbfe9c5ad6435748cce38729d0b9 .centered-text-area { min-height: 80px; position: relative; } .uff97bbfe9c5ad6435748cce38729d0b9 , .uff97bbfe9c5ad6435748cce38729d0b9:hover , .uff97bbfe9c5ad6435748cce38729d0b9:visited , .uff97bbfe9c5ad6435748cce38729d0b9:active { border:0!important; } .uff97bbfe9c5ad6435748cce38729d0b9 .clearfix:after { content: ""; display: table; clear: both; } .uff97bbfe9c5ad6435748cce38729d0b9 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uff97bbfe9c5ad6435748cce38729d0b9:active , .uff97bbfe9c5ad6435748cce38729d0b9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uff97bbfe9c5ad6435748cce38729d0b9 .centered-text-area { width: 100%; position: relative ; } .uff97bbfe9c5ad6435748cce38729d0b9 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uff97bbfe9c5ad6435748cce38729d0b9 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uff97bbfe9c5ad6435748cce38729d0b9 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uff97bbfe9c5ad6435748cce38729d0b9:hover .ctaButton { background-color: #34495E!important; } .uff97bbfe9c5ad6435748cce38729d0b9 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uff97bbfe9c5ad6435748cce38729d0b9 .uff97bbfe9c5ad6435748cce38729d0b9-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uff97bbfe9c5ad6435748cce38729d0b9:after { content: ""; display: block; clear: both; } READ: Dada vs Surrealism EssayThis was the time of the Niles annual flood which made it impossible to farmthe land and most of the population was unemployed. He provided good food andclothing for his workers and was kindly remembered in folk tails for many centuries. There are three pyramids at Giza, each of which once had an adjoining mortuarytemple. Attached to this temple would have been a covered causeway descendingdown to a valley temple, near the Nile. The Great pyramid6 itself is trulyan astonishing work of engineering skill. For over four thousands years, untilthe modern era, it was the tallest building in the world. The sides are orientedto the for cardinal points of the compass and the length of each side at thebase is 755 feet (230.4 m). They rise at an angle of 51 52 to a height , originally,of 481 feet (147 m) but nowadays 451 feet (138 m). It was constructed usingaround 2,300,000 limestone blocks, weighing, on average, 2.5 tons each. Althoughsome weigh as mush as 16 tons. Until recently, relatively speaking, it wascased in smooth limestone but this was plundered to build Cairo. Is itconceivable that by bringing together so many people and giving them a commongoal, that of making a mountain, a national identity is forged in their hearts. From Upper and Lower Egypt communities would have got to know each other anda common bond would have been manifest in the object of the pyramid. If thisis true it is unique because all other forms of nationalism have grown outof war. For example England and France in the Hundred years war and the USAthrough the revolutionary, civil and Indian wars. The Temple of Karnak wasknown as Ipet-isut (Most select of places) by the ancient Egyptians. It isa city of temples built over 2000 years ago and dedicated to the Theben triadof Amon, Mut and Khonsu. This abandoned place is still capable of overshadowingmany of the wonders of the modern world and in its day must have been awe inspiring. For the largely uneducated ancient Egyptian population this could only havebeen the place of the gods. It is the mother of all religious buildings,the largest ever made and a place of pilgrimage for nearly 4,000 years. Althoughtodays pilgrims are mainly tourists. It covers about 200 acres,(1.5 km by0.8 km). The area of the sacred enclosure of Amon alone is 61 acres and wouldhold ten average European cathedrals. The great temple at the heart of Karnakis so big that St. Peters Cathedral, Milan Cathedral , and Notre Dame Cathedralcould be lost within its walls. The Hypostle hall at 54,000 square feet withits134 columns is still the largest room of any religious building in the world. In addition to the sanctuary there are several smaller temples and a vastsacred lake. The Temple of Dendara, in Karnak, was known as the Castle ofthe Sistrum or Pr Hathor, House of Hathor. Hathor was the goddess of love,joy and beauty. With the exception of its supporting pillars, which had capitalssculpted in the image of Hathor and were defaced by the Christians, the walls,rooms and roof are complete and extraordinarily well preserved. The stone stepsof the spiral staircase are time worn but still used to ascend to the roof,where there is a small chapel decorated with Hathor-headed columns. The Christiansseemed to have missed these. Dendara was also used as a healing centreand in the grounds stands an ancient hospital along with a sacred lake. Aftervisiting Dendara one gets a feel for the layout of other temples along theNile and in the minds eye it is possible to reconstruct the really huge designof buildings like Karnak. What really grabbed my artistic attention among allthis magnificence was a small detail. The place sings with the music of birds. .ub47ab56d73cc256091dd18673cdc6f35 , .ub47ab56d73cc256091dd18673cdc6f35 .postImageUrl , .ub47ab56d73cc256091dd18673cdc6f35 .centered-text-area { min-height: 80px; position: relative; } .ub47ab56d73cc256091dd18673cdc6f35 , .ub47ab56d73cc256091dd18673cdc6f35:hover , .ub47ab56d73cc256091dd18673cdc6f35:visited , .ub47ab56d73cc256091dd18673cdc6f35:active { border:0!important; } .ub47ab56d73cc256091dd18673cdc6f35 .clearfix:after { content: ""; display: table; clear: both; } .ub47ab56d73cc256091dd18673cdc6f35 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ub47ab56d73cc256091dd18673cdc6f35:active , .ub47ab56d73cc256091dd18673cdc6f35:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ub47ab56d73cc256091dd18673cdc6f35 .centered-text-area { width: 100%; position: relative ; } .ub47ab56d73cc256091dd18673cdc6f35 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ub47ab56d73cc256091dd18673cdc6f35 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ub47ab56d73cc256091dd18673cdc6f35 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ub47ab56d73cc256091dd18673cdc6f35:hover .ctaButton { background-color: #34495E!important; } .ub47ab56d73cc256091dd18673cdc6f35 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ub47ab56d73cc256091dd18673cdc6f35 .ub47ab56d73cc256091dd18673cdc6f35-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ub47ab56d73cc256091dd18673cdc6f35:after { content: ""; display: block; clear: both; } READ: Tivo: a Case Study EssayHundreds of them roost in small cracks and hollows in the walls seeming tocontemplate their carved likeness in the hieroglyphic reliefs. There is oneother thing that stirs the imagination, the building bares the name of thefamous Cleopatra and her son, whose father was Julius Caesar. It is possiblethat these celebrate personalities climbed the same stairs and contemplated,on high, the same landscape which stretches for miles below. In Summation,some of the most precious examples of architecture from the ancient world areof the ancient Egyptians. Although the ancient Egyptians lived in a primitiveworld, they proved to have great knowledge for building lasting structuresthat would forever have a unique and majestic influence on the world.

Essay Topics For Women in Politics

Essay Topics For Women in PoliticsEssay topics for women in politics vary from year to year, as there are many different themes and theories that emerge and become mainstream. Some topics are very specific to specific areas, such as feminism or the role of women in business, while others have broad appeal. Sometimes women in politics are more interested in covering multiple topics, which may be helpful for any student who wants to learn how to write a topical essay.Political science is a good area to start with. It covers a variety of topics, including election campaigns, government policies, and public opinion about politics. Essays covering this topic area often cover many different topics and it is important to be familiar with them all before writing. You also want to have some previous writing experience.If you want to go beyond political science and get into other areas, you can go on to political science, sociology, history, and business. These other topics are specific and yo u can get more specific if you wish. For example, if you want to cover why women should run for office, you could choose to write about these topics instead.The health care industry is another great topic for women in politics. You could examine how the government treats people, and how some people and corporations take advantage of the healthcare system.World policy is a broad topic and is used in every category. One could write about climate change, nuclear arms control, economic policy, and labor issues. There are many sub-topics in these topics, so the topics for women in politics would be different from those for men in politics.Political philosophy is an area where men dominate. It is often used as an umbrella term for all philosophy subjects. Women's books can often be read for the philosophy and its relation to public policy. It is important to know and understand the topic if you want to write an essay on it.Since so many people are interested in studying public policy, one can often choose the right topic for them. Topics like education, religion, economics, and the environment can be very interesting topics to write about. If you are interested in studying more than one topic, you can always study these topics at the same time and research and write about each.Women in politics are given more of a challenge. It can be overwhelming to think about and write about so many different topics, but it is a challenge that can be undertaken. Whatever topic you choose, make sure you do your research, write your essay well, and then practice.

Business Essay Topics

Business Essay TopicsIf you have a subject in mind but would like to read about topics on business that are available on the internet, you may want to visit the web to find business essay topics. In general, these business essay topics are the questions that the potential or student will answer when answering the admissions requirements that they are required to meet. This essay is to answer the questions on how you would like to be judged for your selection into a particular program. A good essay will also answer all of the current factors that may influence the selection of the person.Having people in the class that would answer all of the questions you have for them can be very helpful for answering your questions and preparing the business essay for the admissions officers. As well, this is the best way to do it as the students may know what the guidelines are for your class, even though the teachers might not.You can also look for essays with the past business essay topics. Thes e past essays have lots of things to say about many different topics. They may not be as helpful for current situations, but they are still good for an in-depth study of business. Look for this material as well.If you get confused, it is very easy to get confused as well. There are a lot of different essay topics for different people. There are essays for different people who may be looking for essays about different issues, and there are essays for many different topics.This kind of material may be challenging for you as well, especially if you do not have a lot of experience with this kind of subject. If you do not have experience, you may be wondering how this will be helpful to you. There are people who have gotten a business degree in one school, and then moved on to another school to get the same degree. You should read all of the topics that are available.By answering the questions of the admissions requirements, your essay topics can be utilized for whatever the admissions r equirements are for that school. Your purpose in looking at these essay topics is to ask yourself what your areas of interest are. Some of the business essay topics may not be appropriate for your current work, or your current school.It is important that you think about all of the possible topics for business essay topics that you can use for the admissions requirements of your school. There are a lot of different subjects that may interest you. Try to use your favorite subjects and write a business essay on them. Your essay topics should be good and helpful for you.

World Literature Essay Topics Help!

World Literature Essay Topics Help! Today you can publish articles right into your private blog. There are lots of excellent essay collections readily available on the internet. Various editors at the exact publication are often searching for different things. If You Read Nothing Else Today, Read This Report on World Literature Essay Topics It can be particularly beneficial in complex works, with many plots, recurring elements, or numerous characters that could make a general criticism difficult. Just bear in mind that it will be quite difficult to add something new to the already conducted researches of the classical parts of literature. Indicate the facets of the book you want to manage. Needless to say, you can pick merely a single book, tons of them deserve an exclusive research. You're able to take a look at the quality of literature examples for sat essay to observe the sort of expert services we're referring to. The contemporary literature can offer several intrigu ing answers to that question. Research is an essential element of the lengthy essay both primary and secondary resources are essential to be able to generate a well-researched and well-written extended essay. The intention of a crucial essay is to appraise information, theories or situations. All About World Literature Essay Topics Furthermore, there are a number of considerations to remember as a way to select an adequate heading. An exceptional quantity of writing was devoted to the field of race. As an outsider, it's difficult to say that there's an absolutely right decision about your selection of subject. Accordingly, so as to ensure you're choosing from the easiest topics for research papers, pick a few ideas and carry every one of them through a set of checks to see which is the ideal choice for you. The World Literature Essay Topics Game Before you even begin writing your literature paper you've got to ascertain the major point which will be discussed throughout the job. Writing a literature research paper can look like quite a pleasant endeavor. Writing a research paper in literature may be an interesting endeavor. Writing a research paper on world literature is a rather intriguing and challenging endeavor. The 5-Minute Rule for World Literature Essay Topics The essay was also a favorite kind of the Romantic Period. Literature is a critical portion of a kid's education and it should find more focus in the classroom. English literature study material also has paper samples which were written before, which can give guidance to students on the best way to proceed with their own writing. The Hidden Gem of World Literature Essay Topics When it has to do with writing an argumentative essay, the main point to do is to select a topic and an argument you may really get behind. Your thesis argument statement lets the reader know that you're attempting to persuade him to your standpoint. Throughout your paper, you must specify why your argum ent is valid that is the reason you should keep that in mind prior to determining the most important point. Don't forget, if you're writing an argument about whether they really existed, you will want to present evidence to strengthen your argument but will also will need to deal with the counterargument. Also, you might be experiencing a broad range of different challenges, which ultimately block you from finding well-researched English literature essay topics. The ideal method is to divide your paper into major divisions and after that look at each option carefully Here are major divisions it is possible to chat about in world literature Cultural literature will discuss the studies linked to cultural heritage and environment of distinct nations and countries. By exploring a single motif or element, you have the ability to draw conclusions and give insight into the motivation or message of a certain parcel of literature. The issue is that everybody's interpretation of what ma kes a great society differs. Let's work out how to compose an essay that will stick out among the other students' submissions. Each of these varieties of paper is owned by the category of informative essay. A literature review isn't the exact same as an annotated bibliography. For an expert, even the decent old Google Scholar is sufficient to discover as many great sources since they will need to think of a fantastic essay. The Death of World Literature Essay Topics Make certain that the subject of your paper should be somewhat clear and precise. When searching for American literature essay topics, it is crucial to remember that the originality and level of your paper will be contingent on the topic chosen. A thesis isn't a truth, opinion or topic that could be answered with simply yes or no. Although you've already done some preliminary research in order to seek out your subject, you will want to keep on doing more research to totally support the content in your essay. World literature is an extensive subject and the topic you select will depend upon your preferences. When selecting a topic for an important essay make sure you take a topic it is possible to manage. It is imperative to select the topic that will interest you. Some example topics can be You may also opt for a topic based on several genres. In writing your essay, you should offer background information that truly gears the topic to the target audience. If you don't wish to concentrate on the content of British literature, it is possible to instead consider the form and fashion. The last step in picking out titles for your literature review is to visit the source. Apart from consistency, an expert website has to be aesthetically appealing and also functional. Everyone is able to agree that reading is a significant component in creating a thriving life. When you comprehend the world for a world of consciousnesses, including animal consciousnesses, then you're a participant. So it's necessary to guide learners towards being in a position to do analytic thinking. Whatever knowledge is being taught in school today might not be knowledge that must be taught five years down the road.

Personal Essay Samples For Design Thinking in Health Care

Personal Essay Samples For Design Thinking in Health CarePersonal essay samples for design thinking in health care has some great benefits for students of this field. You have all the tools at your disposal to really sharpen your analytical skills and to come up with ideas that can help you create a better world. In fact, you might even find that you're more creative than ever!Let's start by looking at how your personal essay samples for design thinking in health care will help you become more creative in health care. For one thing, it's an excellent place to brainstorm ideas and what they could mean for your career. Another benefit is that your essay samples for design thinking in health care can teach you valuable thinking skills about the structure of research papers. Think about what you could learn from the structure of medical journals and medical reports.Personal essay samples for design thinking in health care can also be useful in the advancement of your own career. For exam ple, medical professionals are often criticized for their inability to deal with complicated, controversial topics. While the medical profession is extremely busy with so many issues to consider, remember that it's important to think creatively about those issues. Consider designing a series of essays that cover just about any issue you can think of, and write them up as an abstract.These essay samples for design thinking in health care are also an excellent way to learn from others in your profession. How many times have you heard a medical professional say something and you immediately thought of them? The same can be said about writing essays about your own career. Also, it's important to remember that people who have been in the industry a long time are usually smarter than people who are brand new to the profession. This is true of your own career as well.Finally, personal essay samples for design thinking in health care can give you a completely different perspective on your o wn career than is typical. Imagine the originality of the following phrase: 'the problem with decision-making is that most of the time it's just not real.' With just this small sample of essay samples for design thinking in health care, you could use it as a template for several other pieces.Personal essay samples for design thinking in health care can be a great way to sharpen your own analytical skills and to improve your own knowledge of your profession. However, don't forget that the essay samples are only there to help you get started on your own essay writing. If you want to do a really good job, you need to put in a lot of time into developing your own ideas.In conclusion, personal essay samples for design thinking in health care can help you hone your analytical skills, as well as enhance your own knowledge of your field. However, don't forget that essay writing is just one piece of the puzzle. As you continue to look at your own career, you'll realize that each of these too ls has its own specific place in the process.

Life After Synthesis Essay Samples Sources

Life After Synthesis Essay Samples Sources There are two sorts of synthesis you should beware and classify your essay before writing so you abide by its essay format. You will discover a wide selection of themes and categories. Ordinarily, synthesis essay introduction sample was written to enable a student understand that each paper has to be structured for the readers in order to follow it without any difficulty. For a normal student a synthesis paper may sound quite troubling, as it isn't a typical endeavor to finish. Your outline also needs to be split in the identical number of parts as your essay. A synthesis essay is a sort of essay that supposes a distinctive viewpoint on a chosen idea and is contingent on the blend of many sources, usually three or more. The conclusion also rewords your claim so that it is clear you're offering a different perspective on the subject. At another time, you might wish to summarize an important section or paragraph of a source within a sentence. Still, you've got to appear at the suggested theme from various perspectives so as to formulate your distinctive and intriguing viewpoint. The Fundamentals of Synthesis Essay Samples Sources Revealed For this reason, yo u have to summarize the chosen sources. Be familiarized with all your sources and be sure you can analyze them, rather than summarize. Make certain that you have read all your sources. What's more, you can deal with an assortment of distinct sources, if necessary. By now you've got some sources that are associated with your prompt. You should employ a significant amount of sources. At other times, however, you might be assigned a few sources and told to synthesize them. You've chosen 8 distinct sources to accelerate your writing. Synthesis Essay Samples Sources - the Conspiracy If you don't understand where to start, a sample paper is able to help you improve your essay. You may certainly write a distinctive essay. The essay ought to be proofread to steer clear of grammatical errors and mistakes. For instance, an argumentative synthesis essay should have the ability convincing to the reader. Synthesis Essay Samples Sources Options When the paper was completed, the conclusion provides the last touches by supplying suggestions or further comments. A synthesis essay is a kind of writing that offers a distinctive viewpoint on a chosen topic backed up with information from several sources. Once more, the body of the essay should start with information concerning the paragraph's topic. Perhaps you have perfected the art of writing argumentative essays where you're either supplied a topic or you've got the liberty of picking a topic yourself, an argumentative synthesis essay is a modest advanced twist from the standard argumentative essays. The New Angle On Synthesis Essay Samples Sources Just Released You should occur after the rule of a single paragraph, one particular idea. To deal with synthesis questions, you've got to understand how to compose an overview of concepts without leaving a point behind. Write a last thesis statement Make sure your thesis statement is pertinent to the most important body. The secret to any type of synthesis is the exact same. Based on your assignment, you may have to select a key text. Typically, the thesis statement is similar to a pointer to the reader. Whenever you intend to compose an essay or any writing project for this matter, it's important to get familiar with the format and then the content. Your own essay should be constructed around that text and your primary argument. A highly effective conclusion is required for your synthesis essay. The usage of the sources is contingent on the point of a synthesis essay paper. For this reason, you must choose the sources carefully to think of proper findings. To be able to write an outstanding synthesis essay, you should have the ability to infer relationships among analyzed sources. Let's take a close look at every portion of a synthesis essay. When you have to compose a synthesis, you may use all of your analytical abilities and an ability to produce proper findings. The Battle Over Synthesis Essay Samples Sources and How to Win It There are a number of different varieties of synthesis essays that you may pick from depending upon your assignment and on the kinds of evidence available. If you've gone through explanatory synthesis essay samples, you will observe that they're attempting to pass across some important info in details. The term synthesis is about collecting data from two or more sources and developing an exceptional content out of them. Poor synthesis topics can arrive in a number of forms.