Analysis of The Lottery Essay

The Lottery is a film based on the short story of the same name by Shirley Jackson. The story takes place in a small village, where the people held an anniversary activity of lottery. One person in the town is randomly chosen, and the person who got the lottery would be hit to death by stones for the sake of harvest of the following year. In my opinion, â€Å"The Lottery† is a surprise and horror story. The film begins under a friendly atmosphere. The people in the village are close and familiar with each other. Before the lottery, everyone seems in a peace mind and friendly to each other. For instance, Mrs. Hutchinson arrives late, just with an excuse of â€Å"forgetting what day it was†. They talk to each other as usual give me a false impression that the lottery is an event similar as the square dance that is welcomed and festive. I expect that the winner of the lottery will receive a prize, money or something. Mr. Warner who was the eldest person in the town says with pride, â€Å"Seventy-seventh year I have been in the Lottery. † I always think the lottery is a pleasant event until the very moment Tessie screams when she sees her husband pick the black dot. The conclusion surprises me that the winner’s fate is death by friends and family. With this conclusion, the film becomes a horror story. The film centers on the actions of each town people from an objective perspective to reflect the blind obedience, less of rationality and cruel coldness of human nature of the whole town people. In this mundane town, everyone knows each other. However, when Tessie receives the black spot, Mrs. Delacroix tells her, â€Å"Be a good sport Tessie. † People’s reflection to the cruel thing is quite cold-blooded. This film presents a weakness in human individuals. Lottery as such a terrible activity for so many years, with no objections or questions asked. Even someone doubts the lottery has been answered with â€Å"There has always been a lottery. † Even people may not be entirely comfortable with the event, but everyone still goes along with it. No one openly expresses fear or disgust toward the lottery. Even Tessie is friendly and pretending to be pleased to be present before she receives the black spot. I think if Tessie is not the target, she will also throw the stones to the winner. The film shows hypocrisy and human weakness in the small town. It is horrible when people always relying on the traditions, especially some brutal sacrificial ceremonies like the lottery. The holiday atmosphere and surprised conclusion of the lottery intensify the horror of the story. The horror of the lottery is not only the cruel behavior of the people, but also unconcerned reflection to the victim. They feel not guilt to the victim, and even excited when they throw the stones. The lurking evil of human kind is the most horror thing that reflected by the film.

The Girl In Dream Of The Designer

Fan Bing bing, a Chinese actress, singer, producer, and wickedly awesome dresser. She is 31 year old, stunning beauty with height 168 cm and weigh 52. 5 kg. Known for her very large eyes and small proportional face, Fan has been dubbed â€Å"goddess† by her Chinese fans and is a lightning rod in the fashion community, a topic of constant discussion and excitement. She has slim and lovely body which suit her very much with tied fitted dress. She also goes very well with low cut dress which make her look sexy and elegant. Bing bing often appear in public is with elegant long dress. She is also often boldly dress up with stunning and catchy design. Her dress could be overwhelmed to some but she stands out beautifully and gracefully with her ways of having fun by playing dress up. Bing bing always find the spirit of the dress, she also refined in developing strong personal appearance. That's why Asian beauties stand whenever appearance. Page Redcarpet compare Bing bing as â€Å"the girl in the dream of the designer†. Each occurrence of the events, large and small, Bing bing are characterized by different styles. Oriental facial features, body shape, elegant and a little pride †¦ all impress beautiful Asian beauty and allure. Fan Bing bing not bind itself in a certain style. So in the event, fans are nervously waiting for the image that she will bring. Actors dared to try a variety of outfits and very smart in the coordinate map, so she completely mastered what jacket on people, making them beauty Fan Bingbing way. In late 2012, many world famous fashion website ranked Bing bing in the first position in the list of best-dressed female artist in 2012. The voting results indicate that taste in fashion world Bing bing is confirmed. Progresses in the field of cinema, the way to behave more sober, mature, Bing bing gradually rid label â€Å"vase† to become a celebrity due to the power of art. Fan Bing bing ranked first in the list of the most powerful female character in the Chinese fashion fans does not surprise. She is the most prominent face of the overseas Chinese beauty the fashion week as well as his excellent show at the International Film Festival of Cannes, Tokyo, Pusan †¦ Page 1 Bing Bing also shows the outstanding taste. Not loyal to a certain style, she always gives the audience the unexpected. Sexy, sexy – innocence, purity, from classic to modern, from the firing to the sprawling †¦ but the combination of her always praise. The red carpet shows that she isn't just one of the most beautiful women in China, she is one of the most beautiful women in the world! As much as flamboyant designs that she h as appeared before , I would love to design cocktail dress that hopefully will bring out the best of her. With her youth busty and tall figure and lovely bodyline, she will look natural, sexy and youthful with short dresses. She will look stunning sexy in lower cut and backless cocktail dress. Tied fitted short dress will allow her to show off her lovely bodyline, long modally legs and as well as her silky skin. Cuts simple, novel for the hand feels comfortable, modern and sophisticated,' LBD ‘cocktail dress are always chic and classy, is always popular regardless of the transition of the time and the fashion trends. â€Å"Simplicity is beauty! Fang Bing bing is simply a beauty of the world! Dress that is complicated with too much floral designs or lacy designs could not bring out the real beauty of Bing bing. If we look at Fan Bing bing features of large eyes with small proportional face , sharp chin with long silky black hair, and often her makeup is simple yet elegant. LBD cocktail dress would be matching her in the best simplicity way and yet most elegant at the same time. I a m very certain ‘LBD' dress with plain colored, knit Fabric will not only simply enhanced her beauty, and it will could be everyday dress too.

In the character of Gatsby. Fitzgerald holds the idea of the american Essay

In the character of Gatsby. Fitzgerald holds the idea of the american dream up to ridicule. with reference to appropriately sele - Essay Example He based his life on the ever thoughts of money; how much he earned and how much possessions he made. He thought that money brings with it many other advantages. The only purpose behind his lust for wealth was to win back his lost old love. Why he pursued money was because his love had left him for money. Daisy, his love considered him unworthy in the past because he was a lower class person. He was sure that if he remained poor, she was never to allow him to make a reunion. He was poor and thought all the days and nights about Daisy that she was waiting for him to come and take her. He thought that Daisy â€Å"was tired of waiting around for me† (Fitzgerald, p131). Gatsby believed he could win her provided he reaches for what most of the people considered as â€Å"American Dream†. Money was his ideal. He had complete faith in wealth. His worthless life existed on the foundations of falsehood. Gatsby ridiculed the â€Å"American Dream†. He was able to get to his desire and aspiration when he became a wealth man. He employed in a number of jobs the whole of his life and this was but to show to Daisy what he could give her. He wants to win back his love by making yet another entry to Daisy’s life. When he meets her, he reminds her the past and assures her that he did not forget her. Her sweet memories always accompanied him. He reveals before the already married Daisy that he still loved her: â€Å"Look at this†, said Gatsby quickly. â€Å"Here’s a lot of clippings about you† (Fitzgerald, p93). Gatsby was the perfect personification of â€Å"American Dream† held up to ridicule. Wealth determined all his actions and he always thought with the mindset of a businessman, more suitable, a shopkeeper. He believed in wealth to the extent that he was sure he could bring his past back. He had a firm trust in his money to the extents that he thought Daisy would happily leave her husband in the pursuit of money he had. He was not influenced by the general perception that people change with respect to the passage of time. He once stressed his view when said rhetorically: â€Å"Can’t repeat the past. Why of course you can!† (Fitzgerald, p111). When he loses his love to a wealthy man, he decided at once to get to the status of the richest man of the world. Poor by birth, he gathers around him vast amounts of wealth and high social status. He ridicules the â€Å"American Dream† by desiring to become the wealthiest man of the world and ultimately the ruler of the whole world. He wants to be God. Nick speaks of him as an extravagant and flamboyant person. Gatsby is no doubt the real symbol of ridiculous excess and waste of Rich American Socialites. He believes that his royal mansion can be the key of his success. His â€Å"American Dream† turning into ridicule has been described by Nick when he refers to his mansion: â€Å"The one on my right was a colossal affair by any st andard-it was a factual imitation of some hotel de Ville in Normandy, with a tower on one side, spanking new under a thin beard of raw ivy, and a marble swimming pool, and more than a forty acres of lawn and garden† (Fitzgerald, p5). When Mayor Wolfsheim had seen the opportunity to achieve the â€Å"American Dream† by making enormous money at once after having fixed the World Series, Gatsby ensures his â€Å"American Dream† by appreciating Wolfsheim’

Ethics and the Indian Laborer Essay Example | Topics and Well Written Essays - 1000 words

Ethics and the Indian Laborer - Essay Example Therefore, Indian government and manufacturing supervision are putting profits ahead of the Indian health condition with no additional compensation for these poor working conditions for the laborer. Even though international agencies such as the United Nations continue to exert pressure on improving labor reform, such groups have little to no legal influence in these countries and no changes are implemented for the Indian employee. Â  Another difficulty in providing ethical behavior for the workers is the tiered system of production common for clothing manufacture in India. Many American companies source their apparel brands with a large textile company where orders are placed and final shipment of the merchandise is delivered. However, these companies have tiers of manufacture that include small factories and individual workers that do hand-beading, sequin work, embroidery and other associated decoration on more expensive clothing (Level Works Limited, 2009). Those smaller companie s’ low-skilled laborers that are not protected under the jurisdiction of certain labor laws are usually managed by independent business owners. The companies from the U.S. that source in this way are aware of these tiers of supply, but do little to invest capital into building a more efficient supply network in the larger company. In this case, the American manager is turning away from the plight of the exploited second and third tier employees in the process while India allows private companies to keep quality laborers in the poverty zone.

High risk sexual behavior with incarcerated youths Annotated Bibliography

High risk sexual behavior with incarcerated youths - Annotated Bibliography Example The study also highlights the need for universal screening of the aforementioned illnesses in youth correction facilities; and the tendency of untrained staff in these facilities to interpret psychiatric data to incriminate juveniles instead of finding medical interventions to mitigate the risks these youth are exposed to while incarcerated. Golzari, M., Hunts, S. J., Anoshiravani, A. (2006). The health status of youth in juvenile detention facilities. Journal of Adolescent Health, 38(6), 776-782. Golzari, et al. (2006) surveyed the variables which influence the health status of youth in detention, as well as the health issues of this cohort which contribute to the morbidity and mortality of the general adolescent population. The authors are deemed authoritative in the field of medicine and in the academe. This work is an excellent resource for researchers and medical professionals who are interested in the well-being of juveniles exiting from detention facilities and how access of t hese group of adolescents to community health resources may be improved. Pack, R. P., Diclemente, R. J., Hook, E. W. (2000).

Discuss the impactof law on business enviroment (add two real eamples Assignment

Discuss the impactof law on business enviroment (add two real eamples at least) - Assignment Example The financial crisis that began in 2007 crippled many businesses and affected nearly the entire world. While financial crisis in the economy is inherent to a great extent, the current financial crisis began as a result of the state being unable to manage the risks associated with the wish to produce better yields. As the entire financial institution began to collapse with the bankruptcy of the Lehman Brothers, the government failed to take any preventive steps to control the situation. The steps that were taken were more reactive in nature and thus failed to be truly effective. According to an estimate by IMF, the total global financial loss suffered by the recent crisis amounts to 2.2 trillion US dollars1. In this paper, we attempt to understand how different countries over the world reacted to the financial crisis by implementing their own state regulations. These countries include USA, UK, Russia, Japan and China. The paper would work on a critical analysis of the regulation impos ed and whether they brought about the desired impact. Reasons behind the Global Financial Crisis The Global Financial Crisis, that impacted the entire world, originated from the United States. The financial system within US backfired as a result of lack of risk management practices. The main contributor of the financial crisis was the subprime mortgage loans that were made available to the public without proper control and management. Mortgage companies were forced to relax their policies in order to increase their own shares in the market by increasing loans to the buyers. Also the Clinton government pushed for providing more loans to low and medium income families. As mortgage companies increased loans to buyers, they failed to ensure that the loans were given to deserving parties who would repay the loans on time. As mortgage companies failed to collect their loans, the number of bad debts increased to alarming numbers2. The capital that flew from the mortgage companies was provi ded by investors who gained confidence in the companies as a result of the rating provided by the credit rating agencies. These credit rating agencies took to taking money from mortgage and other financial institutions to provide a better picture of the organization. Also the credit rating agencies provided advice to such clients on ways to improve their rating by structuring securities to suit their own position3. It was this manipulation of the financial standards that subsequently led to the fall of the financial institutes within US. As US banks began to suffer losses and filed to bankruptcy, it impacted the rest of the world since US is the main guarantor of the financial world globally. Impact of Global Financial Crisis The global financial crisis though began from United States impacted the whole world. The most disastrous impact of the crisis was perhaps on the financial sector. Banks all over the world filed for bankruptcy including some of the biggest financial institution s such as the Lehman Brothers. Even though the IMF, World Bank and stable governments came up to help their own local banks and also banks in the emerging economies, but still capital was reduced to a great extent. This impacted the flow of capital in existing and new businesses around the world. Also as banks around the world were either closing down or merging into bigger institutions, the confidence of the consumers in the financial market was negatively affected. As banks and other financi

Secure Software Development Research Paper Example | Topics and Well Written Essays - 6250 words

Secure Software Development - Research Paper Example This research is aimed to assess and analyze some of major areas and aspects regarding â€Å"Secure Software Development†. This research will present some of major reasons for the security based issues in software development process. Here I will also present some of major initiatives that we can formulate to develop software application in a much better way. Computer software applications are more and more experiencing both external and internal penetrations. One key idea intended for this is the reality that software applications are yet through development faults that yet make them to be susceptible. This has taken problems regarding security into intelligent focus for the reason those businesses, comprising administrations, reliant mostly on software application for their every day processes. The situation becomes more insightful in situations where software applications are employed intended for dangerous missions. For this reason most of the building security applications are gaining more and more concentration these days. In this scenario, most of companies all through the world in field of security are paying attention to improve and enhance the security of overall technology based systems. As well, because clients (companies) have practiced unlucky security breaches, there is augmented awareness as well as disturbance intended f or Secure Software Development. Though, in building security applications, many have to be done. Safety methods have to be applied in the entire the software development stages of software engineering model. In this scenario, Devanbu and Stubblebine (2000) outlined that safety concerns have to inform each stage of system development, from system development requirements elicitation to design, execution, testing as well as application deployment. This is essential for the reason that system developer might naively insert defects in the entire phases of the software development procedure. Devanbu, P.

Market Segment Analysis (Individual) Essay Example | Topics and Well Written Essays - 1250 words

Market Segment Analysis (Individual) - Essay Example Porsche is a German automobile brand founded by Ferdinand Porsche in 1931. The organization’s headquarter is in Stuttgart, Germany. However, it is equally popular in all parts of the world for its futuristic car designs and superior performance on-track (Porsche Automobile Holding, 2014). Porsche is popular all around the world and has established a statue of luxury sporting car. The major reason behind massive demand for Porsche is its car designs, luxury, comfort and prestige attached with those who are driving a Porsche. Customers of Porsche do not belong only to the elite class, but it is equally popular among sports car lovers of all age. Porsche major segmentation strategy is explained as following: This segment of Porsche Automobile generates around 27% of the company’s revenue. The consumers of Porsche belonging to this segment prefer a car with superior performance on the track, which motivates them to work even harder to achieve the best and allows complete control on the transmission and drive. Top Guns are also self-obsessed, and they want to show-off so that people can notice them which support the assertion that these customers are status conscious. Top Guns are proud of their success and tell their success stories to everyone so that they can be appreciated (Huffman, Rayess, Habib, & Mitchell, 2012). These are the customers who are passionate about owning the world’s best sports car and are intrinsically motivated towards experiencing new adventures in their lives. For this reason, they select a car which thrills them with its speed and power. Bon Vivant segment is currently generating 17% of Porsche’s total revenues and is considered as being a lucrative segment in the near future. These customers mostly live in urban areas and have the tendency to influence attitudes and behaviors of people in their surrounding (Richardson, 2004). Elitists segment of Porsche Automobile

Web-enabled Database Essay Example for Free

Web-enabled Database Essay To keep certain information in a corporation, many different set ups are planned and followed so that the data may remain intact and secure as these data information of various departments are pretty essential to keep the flow of work steady and at a proper pace. So, once this information is stored the next step is to make sure that it is safe and can be retrieved whenever required without creating any problems. So, to deal with such circumstances where data retrieval can be required at anytime a production business or a firm must comprise of an appropriate database management system. Database management systems are necessary because today every thing is computer based and all the data and information is stored, circulated and modified through its use, therefore database management system are quite necessary in running an organization without hindrances. Database management systems are either software based which require a certain certified software program which can be installed in the PC to make it work in the company while the other kind is the internet or the web-based or web-enabled database management system. It is a suitable process that is applied many conglomerate corporations and big businesses producing efficient and rapid results. The background of internet-based instruction is altering due to the union of the internet and database servers. This paper looks at and describes some of the characteristics, purpose, and interoperable features of Web-enabled databases as they are improving the internet-based instruction by providing advantages to many users (Scamell Umanath, 2007). Database and Web-Enabled Database: A database contains properly planned collection of data for various functions and is mostly in digital figure. A method of making categories in database is through their matter like bibliography, records and calculation purpose. Digital databases work is carried through the use of Database Management Systems which is software that is installed in the PC to help in storing data, allowing data forming, and maintenance. Database programs are software applications anticipated for customers to make databases and produce all the programming required to fill them or get rid of them as wished. The display of a database is like a table of a spreadsheet, which consists of rows and columns of records. The columns categorize the characteristics in the table, and the rows are the documentations of the respective data. These tables one way or another look precisely like a spread sheet though the database tables can be influenced and updated in a manner that usually spreadsheets can not perform, and because of this characteristic it crafts a database into a exceedingly significant device (Scamell Umanath, 2007). While, since the internet has become a major part of our lives so it is being used in almost every work due to speed, reliability and easy access with out any problems so database management systems also got modernized in shape of web-enabled database. Web-enabled or web-based database smooth the progress of virtual society to converse, find sources for database queries, convey immediate reaction, and modify instructional progressions however it can also be described as a system that makes the availability of central administration of resources, online records compilation, online arithmetical examination, and mutual investigation. The web enabled database varies from a local database as it is installed in a personal computer or its connected storage, for instance a CD. Therefore it benefits the corporation in managing their data in a proper and efficient way so that no mishap can occur once the data is required urgently. Layers of Database planning: Any database system, be it web-enabled or non-web enabled, requires proper arrangements for operation and these arrangement which are an integral part of the system are usually known as layers. There are three layers of database management system or planning known as external, conceptual and internal. The primary feature of the Relational Database Model passed in 1969 by Edgar Frank Codd as First-Order Predicted Logic invented these three layers for the data base management system and this feature stills controls the 21st century databases systems which are enhanced due to the feature of internet in them. The reasons for designing these layers are appropriate working of the database system and in a proper sequence because sequencing in data storage is essentially required plus it does not create any mix ups that might lead to data lost in future. The external layer explains the process and procedure that how the customers or users should understand the relationship of the data. Any particular data file or document might contain a certain amount of readings, records or observation at external layer. When it comes to the design of the internal level or layer the purpose of internal layer is to provide a clear picture of the actual storage of data and its development by the computer system. Basically the planning of internal layer concerned with expenses, arrangement, scalability and other certain essential objects of data packets installed or used by the clients (Scamell Umanath, 2007). While the layer that amalgamates or connects the previous layers i. e. internal and external is the conceptual layer. It supplies a general examination of the database by providing a clear view of the company’s data is storage or supervision, and it can merge the various external views into a reliable data. In these all three layers active directory makes available of a hierarchical data reorganization space. Every data object is exclusively recognized in the database by its entity identification quality, called the Relative Distinguished Name (RDN). The relative distinguished name when joined with other major components frames the objects Distinguished Name (DN). The database stores the RDN of every data object plus an indication to the main source object so that database layer can tag on these parent indications and concatenates the following RDN to construct DN. A chief purpose of the database layer is to interpret each DN into a numeric arrangement called the DN tag, which is used for all internal accesses. Reasons for introduction of web enabled database: When the internet became an essentially used component in the computers it was believed that more people would head towards internet based software due to easy access and reliability. So the database software were also introduced for web-based working so that people can use them instead of the installed software, it was due to the fact that if internet is constantly being used in the company everyday so using the web-enabled database would be cheap and reliable as no space in hard disk would be used but the one that is virtually allocated to the user (Scamell Umanath, 2007). Also, for small or local companies it is difficult to install and to afford the price of the database management software as they are quite expensive due to certified and authorized. An example of it can be given through this illustration that a corporation might already bring into play a constant link for email and web-browsing, and be in a site to take advantage of it further for a web-enabled database because if it opts for the selection of database software than almost a figure of ? 10,000 per annum, as per financial plan, would be required for to install and program it which would also be used to check emails and internet usage if desired however the precise figure will depend a lot on the quantity of transfer and usage of the database the company wishes the site to produce. So, this is quite an expensive amount for small scale industries and businesses which do not produce a lot of revenue, therefore keeping in mind the situations these companies might face the web-based or web-enabled database were initiated. Also apart from small industries these databases are also used in schools for keeping the proper record of the student body admitted in school since it got established therefore schools cannot afford such expensive software which are basically constructed for the large scale businesses and corporations. Thus in these circumstances people take the options of selecting the web-based database due to easy access and result, these database are also sometimes referred to the search engines which are used all over the internet and provide easy and fast results so same is with the output of the web-enabled database (Scamell Umanath, 2007). Differences between web-enabled database and non web-enable database: When it comes to the distinguishing of both categories of databases the basic and the primary difference is the internet usage. In web-enabled databases the internet is the base on which the whole database is established while the ones which are non web-enabled are software based however they do provide the access to the internet for various reasons. But there is a great deal of difference between software which is installed in the hard disk for usage and the one which is available on the World Wide Web for benefiting results and availability. So, when it comes to the point of availability, the non-web based databases have higher availability as they are installed in the computer and can be run any time however in case web-enabled database the availability same as non web-enabled database if the connection of internet is available through out and no problems occur during the connectivity because for the web-based database internet connection is essential and a fast one, to be clear. So availability of both the databases are some how the same depending upon the situation the user is in as some might go against web-enabled databases due to poor network connectivity. As far as backup is concerned, web-enabled databases are recommended due to the reason that any system failure or hard disk crash can lead to a loss in non web-enabled databases unless there is a storage device apart from the hard disk space, while web-enabled database have a virtual space or backup due to which the data is safe so priority goes to the web enabled database over the non web-enabled database in case of backups. However the recent development in the database software is this that now back up plan is also available in the software CDs so this might overcome this weakness (Scamell Umanath, 2007). Performance and compatibility of recent software based database has improved a lot due to development in research of making the software applications reliable and efficient however the more fast they are the more space they require in the hard disk, so it eventually affects the computer’s speed of work unless the system is sort of a super computer. In this case the web-based database are recommended, noted that the network speed should be fast enough to run the program, as the space is allocated virtually and no need of over sized data is required in the PC. Internet connection can have a major affect on the performance of web-enabled database as any uploading might slow down or even get cancelled due to poor speed so once a user is following the web-based databases then he or she should make certain if the network speed is supportive. The selection of development team is more reliable in software based database installed in the computer because any changes in the software can be made however this feature is not very common in the internet based database as the only purpose is to provide the database technology via internet usage and the user cannot make any changes in the software which is on the internet while any changes can be made in the one which is installed in the PC so for the selection of team for its development the better is the installed software as the development team can make the changes which the require and this cannot be done in web-enabled database. Security on internet is a confusing term because most of the people go against the fact that internet is secure in safe guarding the data while the database providers go against it as they believe that firewall has a lot of effects but due to the presence of hackers in all places the internet based databases are not recommended for big corporations as it is better safe than sorry for them, therefore if compared then installed software is more reliable in security as the user can have all the authorities in placing the privacy and security(Scamell Umanath, 2007) . Therefore web-enabled database are somehow better but not always a person can rely on them as security reasons are very essential for data storage. Conclusion: The amalgamation of the database servers develop Web-based instruction by offering advantages to the small scale industries and other users who cannot afford expensive database software applications for storing and sequencing the data as per the requirement and necessity. References: Scamell, R. W. Umanath, N. S. , (2007), Data Modeling and Database Design, 1st edn, Course Technology, USA

Understanding the true meaning of rape and its effects

Understanding the true meaning of rape and its effects When people think of rape, they might think of a stranger jumping out of a dark shadowy place and sexually attacking someone. But the reality to all of this is, its not only strangers who rape. In fact, about half of all people who are raped know the person who attacked them. Females are most often raped, but males can also be raped. Most friendships, acquaintances, and date rape never lead to violence, of course. But, sadly, sometimes it does happen. When forced sex occurs between two people who already know each other, it is known as date rape or acquaintance rape. Even if the two people know each other well, and even if they were intimate or had sex before, no one has the right to force a sexual act another person against his or her will. Although it involves forced sex, rape is not about sex or passion. Rape has nothing to do with love. Rape is an act of aggression and violence. You may hear some people say that those who have been raped were somehow asking for it because of the clothes they wore or the way they acted. Thats wrong: The person who is raped is not to blame. Rape is always the fault of the rapist. And thats also the case when two people are dating or even in an intimate relationship. One person never owes the other person sex. If sex is forced against someones will, thats rape. Healthy relationships involve respect including respect for the feelings of others. Someone who really cares about you will respect your wishes and not force or pressure you to have sex. Date rape is defined as non-consensual sexual (vaginal, anal, oral) intercourse that is forced (by way of physical force or psychological coercion) on a person by someone that they know. Date rape is a criminal act that is perpetrated by a social acquaintance, a friend, or a dating or intimate partner of the victim. Date rape is a complex and difficult area of criminal law, given the nature of the relationship between the victim and the defendant. Most jurisdictions, however, make no legal distinction between date rape and rape that is committed by strangers. Alcohol has been used in years to commit rape because it is easy to access, and it is still the most widely used drug for committing sexual assault. The use of other date rape drugs to commit rape is becoming more common, however, because these drugs are easily combined with alcohol to enhance their effects. These date rape drugs are often referred to as club drugs because of their popularity in dance clubs and bars. Every state and the federal government treat the act of rape as a crime. Although there are slight variations in the terms used to define the act of rape among the different laws, there is one common element the victims lack of consent. The most common and lack of consent is stated when drugs and alcohol are used to commit a rape. In cases such as these the victim is incapable and is unable to fight off the attacker or is unable to say no, regardless of the victims state at the time of the attack it is still sufficient to meet the definition of rape. The type of rape that are mainly associated with drugs and alcohol is either acquaintance rape or date rape. Date rape alone has become a real problem in todays society. The issue was introduced to the public because of the high profile trails of Mike Tyson and William Kennedy Smith. More recently basketball star Kobe Bryant has also made headlines in a case related to date rape. In all of these cases the victim stated that they defendan ts, who they knew well forcibly, raped them. Many rape victims are in the late teens and early twenties. A recent study on the subject of date rape reported that women between the ages of sixteen and twenty-four experience rape at rates four times higher than the assault rate for all women. Another study conducted in 1988 by M.P.Koss showed that five percent of the women raped reported the incident, but what is more alarming is that forty-two percent of the victims later had sex with the perpetrator again. Alcohol and Drugs Alcohol is just one of many drugs used to commit a rape. Others substances include marijuana, cocaine, benzodiazepines, barbiturates, chloral hydrate, heroin, morphine and LSD. Three of the most commonly used drugs today is Rohyonol, Gamma Hydroxybutyrate (GHB), and Ketamine. These drugs were originally developed for specific medical reasons, but today they are used illegally in drug related sexual assaults, in cases where unsuspecting victims are incapacitated and left unable to resist sexual advances. In the last few years, drug related sexual assault has become a growing concern among health and community educators. There are a wide amount of drugs that has become known as date rape drugs or predatory drugs they are known by these names because they are used to incapacitate individuals for the purpose of committing a crime, often sexual assault. The fact remains that the use of recreational drugs to commit rape is not a new concept. Alcohol has been used for years to commit rape, because of its easy accessibility and today it is still the most widely used drug for committing sexual assault. However the use of other date rape drugs for committing rape is becoming more common, because these drugs are easily accessible, inexpensive, and have a rapid effectiveness on the victim. They can easily be combined with alcohol to enhance their effectiveness. These particular date rape drugs are often referred to as club drugs because of their popularity in dance clubs and bars (Kehner, 2004). Rohypnol is the trade name for flunitrazepam, it is a benzodiazepine similar to Valium but it is ten times more potent. It has many street names, such as roofies, roache, the forget-me pill, mind erasers and Mexican Valium. The pill was designed to be used as a sleeping pill in some countries, but it has never been approved for use in the United States. Rohypnol usually comes in the form of pills. After being slipped into someones drink, Rohypnol leaves no detected taste, color or order, and it will take effect after five to thirty minutes. The effects of this drug can be felt for many hours after being taken. Some of the effects that Rohypnol causes are blurry vision, drowsiness, confusion, dizziness and difficulty to move. Gamma Hydroxybutyrate (GHB) was designed for medical use; it is a popular drug in France and Italy it is used as an aid in childbirth because it relaxes the muscles. It has a great effect on sleep a very small amount produce relaxation, tranquility, and drowsiness. A high dose of this medication will induce sleep with five to ten minutes. However the sleep effects only last for three hours, but not everyone can be put to sleep by this drug. It is also used primarily to relieve withdrawal symptoms, cravings and anxiety among alcoholics. There have been reports of addiction and death related to Gamma Hydroxybutyrate (GHB), because of this in 1990 the Food and Drug Administration (FDA) banned over-the-counter sales of the drug. This made the drug illegal except under the strict guidelines and monitoring under a doctors care. The possession of Gamma Hydroxybutyrate (GHB) is a felony punishable by up to twenty years in prison. Gamma Hydroxybutyrate (GHB) is known on the street as liquidecstasy, liquid X, Georgia Home Boy, Cherry Meth, Blue Nitro, Water or Soap. Gamma Hydroxybutyrate (GHB) is a clear, orderless liquid that has a salty taste that can be masked by putting it into a flavored or mixed drink. The effects of the drug can be felt shortly after being taken, usually within fifteen minutes and can last for several hours. The drug reached its highest blood levels in twenty five to forty minutes. One gram of Gamma Hydroxybutyrate (GHB) powder can be dissolved in as little as one milliliter of water. There is no way to determine the concentration of Gamma Hydroxybutyrate (GHB) once it is in liquid form. Because of this even a small amount can result in temporarily unrousable sleep. When purchased at the club, Gamma Hydroxybutyrate (GHB) is generally sold for a few dollars per dose, but when it is purchased in large quantities it is available for ten to fifty dollars per 100 grams. Some of the effects in clude drowsiness, deep unresponsive sleep, nausea, and loss of consciousness. Katamrine is known on the street as Special K, Vitamin K or Lady K it is a legal drug sold as a veterinary sedative or hospital grade anesthetic, when used in humans, the drug acts as a dissociative anesthetic it renders the user vaguely aware of, but detached from all bodily sensations. The pharmaceutical versions of katamine are clear, colorless liquids available in concentrations of ten, fifty, and one hundred milligram solutions. It is the liquid form tha is used as a date rape drug. Liquid ketamine is clear and colorless, and can easily be slipped into a drink without being detected. The liquid form is often baked into a solid form and sold on the street as a fine white powder. This powder can be snorted, smoked, or packed into gel caps and taken orally. The powdered form of katemine is often mistaken for cocaine or crystal methamphetamine. In all forms katamine is usually sold for twenty five to fifty dollars per gram. When taken orally this drug takes ten to twenty minutes to take effect. The most common effect includes hallucinations, cardiac excitement, confusion, violent or aggressive behavior and coma. There are many factors that make these drugs desirable to sexual predators, because they are tasteless, odorless and mainly colorless, these drugs are virtually undetectable. The trace of these drugs usually leaves the body within seventy-two hours from the time it has been taken and they are not found in any routine toxicology screening or blood test. Because of this many physicians and police have to look for these drugs specifically and have to work quickly to find them and get rid of them in a victims system. Another reason why date rape drugs are used in sexual assaults is because they are easily slipped into drinks and are very fast acting. They make the victim become unconscious but responsive with little or no memory of what happened to what is happening while the drug is active in his or her system. These drugs also led the victim to act without knowledge, often in a sexual or physical affectionate way. Like many drugs that are abused, date rape drugs make a person incapable of thinking clearly or making rational decisions. The use of these drugs guarantees a very vulnerable victim, one who is still able to participate in sex acts but who will have little or no knowledge of what happened in the sex act, and also will have no knowledge of what happened after the event. Because of this the victim does not have any clear memory of the event or events that took place or that is taking place during the sexual assault, the victim is also unaware that he or she has even been raped. Even if the person is aware of what is going on or has any suspicions, the victim often make poor witnesses because each of these drugs can cause amnesia while in a victims system. Myths about the Victim One of the most popular myths about rape is that the victim in some way was leading the offender on. Either she was seductive or was dressed in a provocative way or because of this she only got what she asked for. Regardless if this is true or not that if the victim did act seductively or was dressed provocatively, she still has the right to change her mind. There is no law against saying no, but it is against the law not to accept a victims refusal. There has been case study of the offenders that has reveal evidence of pathology and ownership of responsibility for the offense. They have admitted to not being able to have self control, respect for the other person and frustration because of low tolerance. Many people believe that females are the only ones who are victims of rape. But in actuality the victims of rape include males as well as females and they range in age from infancy to old age. The places where assaults have often taken place also have ranged from the victims own hou se to public parks, cemeteries, beaches, shopping malls, public restrooms, churches, and alley ways. There is no place, time of day, or season in which a rape will occur, or is there a specific type of person to whom it is going to happen to. There has also been frequent believes that if a victim really wanted to prevent an assault she could. But the reality still remains that rape occurs through intimidation with a weapon, threat of harm or injury, and in many cases brutal force. Every situation is different in one case of a victim screams, the offender might run away. But another offender might cut her throat. Myths about the offender Just as there are myths about a victim of rape, there are myths about the offender some of those myths are; sexual assault is an impulsive, uncontrollable act of passion. The victim is irresistible to the rapist. But the fact is, rape is an act of violence, not of sexual desire. The majority of rapes that take place are planned, the offender stalks out places, he or she does research on what enticement they will use in the attack or they deliberately get their victim to be involved in a sexual relationship with them. It is the vulnerability of the victim that attracts the sexual predator. There are no limits to offenders victims; they range from infants to the elderly. Anyone can become a victim, regardless of age, sex, physical appearance, marital status, ethnic, religious or socio-economic background can be raped. Another myth is sexual assault occurs only in large cities. The fact is rape have been reported all across the country in large cities and small towns. There is however m ore sexual assaults occur in large cities; this is because larger cities have a greater population. The downside to a victim that lives in a rural area is they dont have access to as many services as a victim in a larger city. Victims that are assaulted in rural areas may be less likely to tell anyone, report it to the police or seek support. Women are sexually assaulted when they are out alone at night. If women stay home they will be safe. The fact is many studies have shown that the majority of sexual assaults are committed in either the victims home or the offenders home, especially in date rape cases. Most rapists hide in dark alleys, waiting for a stranger to walk past. The majority of reported rapes occur either in the victims home or the home of the attacker. In many cases, the victim met the offender in a public place and then was convinced by the attacker to accompanying him or her to the place where the assault will take place. Rape victims know their attacker at least ca sually. In many cases, offenders were well known to the victim and were in relationships that one would normally trust, they were a boyfriend, family friend, close neighbor or relative. Most sexual assaults involve a black man raping a white woman. In ninety three percent of assaults, the rapist and victim are of the same race. In four percent of sexual assault cases, black men did rape white women, while in five percent of the cases, white men raped black women. Most rapists are poor. Rape crosses all class lines. People have been raped by doctors, lawyers, police officers, and other authority figures. Because of their social and financial positions, these offenders are seldom prosecuted for the acts of violence, and their actions are seldom publicized. A victim cant be sexually assaulted against his or her will. Rape is a crime of violence, not sexual passion. In many cases, some type of force is used, such as choking, beating, roughness, or use of a weapon. Often, the victim is t hreatened with death if he or she resists. Confronted with the fear of being beaten or killed, many victims do not attempt to fight an attacker. While a victim may not resist an attack due to socialization and fear of violence, this lack of resistance should not be equated with consent for the attack. Many mugging victims hand over their wallets willingly to maintain their safety, but they did not ask to be mugged. Sexual assault is provoked by the victim. Victims ask for it by their actions, behaviors, or by the way they dress. To say that someone wants to be raped is the same as saying that people ask to be mugged or robbed. In fact, most rapes are at least partially planned in advance and the victim is often threatened with death or bodily harm if he or she resists. Sexual assault is not a spontaneous crime of sexual passion. It is a violent attack on an individual using sex as a weapon. Sex is used to defile, degrade and destroy a victims will and control over his or her own bod y. For the victim, it is a humiliating, near death situation. No person would ask for or deserve such an attack. Only bad girls get sexually assaulted. Sexual assault occurs in all segments of our society. Most rapists choose their targets without regard to physical appearance or lifestyle. Victims are of every type, race, and socio-economic class, young and old alike. Most rapes are reported by women who change their minds afterwards or who want to get even with a man. FBI statistics show that only four percent of rape calls are false reports. This is the same false-report rate that is usual for other kinds of felonies. Women have rape fantasies and secretly desire rape. If you are going to be raped, you might as well relax and enjoy it. When people have sexual fantasies of seduction, they choose the circumstances and characteristics of their seducer. They are in control. In rape, the victim is never in control. There is a big difference between fantasy and reality. Rape is neither relaxing nor enjoyable. Again, victims often submit without struggle due to fear of physical force, or because the assailant is armed with a deadly weapon. Victims responses to rape reflect the violence and intense trauma of the event. Rapists are crazy, deranged, abnormal perverts. They are lonely men without female partnership. Rape is not a crime of spontaneous passion. Studies show that sixty and seventy percent of all sexual assaults are planned. Most rapists are married and having consensual sexual relations while assaulting other women. Rapists themselves do not describe their motivation in terms of sexual gratification, but in terms of hatred and conquest. Sex is used as a weapon to inflict violence, humiliation, and degradation on a victim. Indeed, rapists have said that rape is lousy sex. Sexual offenders come from all educational, occupational, racial and cultural backgrounds. They tend to test differently from the normal, well-adjusted male only in having a greater tend ency to express violence and rage. Men cannot be raped. Sexual assault, no matter the gender of the perpetrator or victim, is a form of violence where sex is used to demean and humiliate another person. Current statistics indicate that one in six men are sexually assaulted or abused in their lifetime. Typically, the perpetrator is a heterosexual male. Sexual assault of males is thought to be greatly underreported.

Impact and Application of Nanotechnology

Impact and Application of Nanotechnology Isayah Wedderburn The wonders of nanotechnology       Abstract This project is going to inform you on the wonders of nanotechnology and how it can improves our lives in the future. Also, the different ways in which nanotechnology is assessed as an entirety in regards to it being a benefit for the future or harmful. We will explore the purpose of the researching into nanotechnology. Identifying and evaluating the purpose of the research In the next week read a book on nanotechnology to gain a foundation on how nanotechnology works and what it is. Within the first two weeks of the project read 2 journals on the medical application of nanotechnology and the theory of nanotechnology to understand nanotechnology is and how to it could impact on our future to generate a great insight on nanotechnology. In the next 5 days using the information gained throughout online research and reading a book construct a plan of different analytical techniques that can be used to evaluate nanotechnology ( i.e. methodology, evaluation and summary) and come to a conclusion. Overview A nanometre is a billionth of a metre. (Report in co-operation with the OECD International Futures Programme 2016,p 6) Nanoscience is the study of phenomena and manipulation of materials at atomic, molecular and macromolecular scales in order to understand and exploit properties that differ significantly from those on a larger scale. (Report in co-operation with the OECD International Futures Programme2016) [DS1]Nanotechnology is any design, structure, systems of materials or materials when working from 1-100nm. Nanotechnology involves an array of scientific disciplines such as chemistry, physics, biology and electronics and engineering. It has been around since the ninth century. However, modern technology enables us gain an insight and thus be able to exploit the working of nanotechnology. Additionally, it has many advantages that may able to develop civilization and improves our lives or may be a drawback to society and cause more harm than good. Nanotechnology would be paramount to future of humanity due to the fact that it has many desirable applications, not only that, it is used in a vast amount of different fields. Therefore, itll help the world develop and make improves the well-being on a global scale. The up and coming field has many potential contributions to medicine. (Report in co-operation with the OECD International Futures Programme 2016,p16)[DS2] have said Nano devices could be used for encapsulation: there are Nano capsules that are used for cancer patients. The capsule (quantum dot) travels to the site of the tumour without damaging healthy cells then diffuses and releases the toxins at an appropriate rate, killing the target tumour. A similar method could be used to detect diseases in patients at the most primitive stage to prevent any detrimental progression. Nonetheless, in the clinical field extensive trials have to be taken for the drug to be deemed suitable. This means that all the medical applications of nanotechnology will take the longest to come to fruition. Drug delivery is would be the most profitable application of this technology. Thus billions or trillions of dollars should be invested into this. The most popular use and potential part of nanotechnology is the Nanotube. It is made of carbon and a carbon nanotube is a cylinder of carbon atoms covalently bonded together. The nanotube popularity stems from its properties and structure. (Richard Booker, Earl Boysen 2005,P 68) A sheet of graphite is very strong because of the interlocking carbon-to-carbon bonds. The graphite sheets can slide across each other easily, which makes graphite useful as a lubricant. The tensile strength of the nanotube is close to 100 times greater than that of steel of the same diameter. According to Report in co-operation with the OECD International Futures Programme (Report in co-operation with the OECD International Futures Programme 2016,P10) Therefore, carbon nanotubes could be used for car to absorb a significant amount of damage due to its high tensile strength or gurder that bend instead of rapturing in an earthquake. (Report in co-operation with the OECD International Futures Programme 2016,P 9) However, there are problems with the nanotube, one of which is it is difficult to interact with different materials. For instance for functionalisation (changing the properties of nanotube by chemically binding it with other chemicals) to occur the nanotubes need to be reacted with a polymer. But this reduces the effect of its properties. Nonetheless, Scientists are trying to discover a way to overcome this process without inhibiting the properties of the nanotube. Social applications of Nontechnology (Richard Booker and Earl Boysen, 2005[DS3])Nanotechnology is still in its infant stages. Nonetheless, itll blossom slowly and become intertwined into most fields; nanotechnology will become an integral part of our lives like mobile phones. (Richard Booker and Earl Boysen, 2005[DS4]) Albeit, nanotechnology has a lot of potential to pave the way for the next revolution to become something great. However with new technology there are always social, economic and ethical issues that we have to consider, to allow commercialization for the new product. As nanotechnology is still progressing humanity is unaware of the detriment to the environment or the damage to the people of the future generation that may transpire. Unfortunately, there have been recent studies to that show toxicity exist through the result of using nanomaterials. Additionally, government and corporations are observing the effect on nanotechnology with gm crops to human health due to the fact that itll affect the chain, ultimately it may bring forth damage to humanity. Furthermore, there have been experimental results that cause major concern: single-walled nanotube can cause lesions in the lungs of rats. 15 percent died from suffocation! A plethora of people have trepidation for the division that will become more apparent between rich and poor countries nanotechnology will cause; exclusively developed countries will be benefiting from the reward of research due to having sufficient money to mass produce and distribute the products stemming from nanotechnology. (Richard Booker and Earl Boysen, 2005) Countries with less-educated works would be unable to compete in the nano technology-related future due to a lack of knowledge. Benefits in medicine will be focused on financial issues and wont be shared equally. Therefore, poor countries wouldnt be able to improve their medicine to improve peoples lives and/or wellbeing. Some governments had the privilege to invest money into nanotechnology with genetically engineered foods in the super market shelves. Which causes controversial quarrel and an uproar due to the dangers if nano foods and pesticides that may impede on the health of others. (Richard Booker and Earl Boysen, 2005) Poorer countries. To conclude there are many negative aspect of nanotechnology to consider. Humanity should ask the question; does the positive of nanotechnology outweigh the negatives? Evaluation There many benefits of nanotechnology. The advantages are that it can be used in many different disciplines and scientific fields. Because scientist are learning more about nanotechnology everyday there are more discoveries that could be made to benefit a lot of people. The options are limitless. On the other hand nanotechnology has concerning disadvantages. The disadvantages are scientists dont know the damage that could be caused to the environment and peoples health. Poor countries may face the most difficulty[DS5]. Overall, the benefits of nanotechnology outweigh the disadvantages because scientists could find various ways to overcome to the difficulties as they could make more instruments to understand how atoms and materials work. Nanotechnology will cause a great paradigm shift because itll be involved in many fields[DS6]. There have been trillion of dollars invested into to nanotechnology and an astronomical time put into it. Therefore, it would be wise to put our time to good use and allow nanotechnology to come to fruition. Summary[DS7] More time should be time and money should be invested into nanotechnology so we can develop it further. It has great potential and it should not go to waste. Ethicality of research[DS8] The researcher should always bring integrity, fairness and honesty to ensure anyone involved in an experiment is safe and it give you a piece of mind as you are being honest. Integrity in tells no coercing or deceiving the people involved. This means the participant should be willing to volunteer information; they have the right to withdraw from the research at any stage. Honesty involves considering the impact on people lives and environment to judge if the research or experiment will be pragmatic and will be more beneficial than a hindrance. In addition, is the experiment morally right? Because there could me more benefits than harm but the lives of test subjects may be put at risk or harmed. That is the most significant aspect to take into account. The scientist carry out primary research must always be explicit in what they tell the participants of what will occur so they dont have a failed understanding. For example they should be aware of the possible outcomes of the research, the associated demands and discomfort people may experience. If the experiment may cause danger to a persons life the experts conducting the research must have strong justifications of why it is necessary. It is vital that there is academic integrity. Thus you must have permission to use intellectual property such as journals. And you shouldnt assume you have automatic permission. Being ethical is crucial because it protects the scientist from losing their job, losing money or in some cases being arrested; it protects anyone involved in research to be protected as well. Methodology[DS9] The method used to collect data was by reading books to gain an insight as to what nanotechnology is. Looking at different journals online and thinking which one is the most relevant to the subject. At each stage the way information was collected is by writing down ideas and knowledge obtained from secondary research to think of a logical order to structure the findings. This allows the project to be coherent. The role of the researcher is to find important a sufficient amount of information to implement into the project. There isnt much way the personal behaviour of the researcher can be effect because the research is secondary. The best research method for gaining textual data was by reading it thoroughly and observing as which data will be relevant. Then extracting and compiling the relevant research. For the project numerical data wasnt needed to understand nanotechnology, although it could have been used to observe and think about the subject on different angles. (April Klazema ,june 12,2014[DS10], )The main difference between objectivity and subjectivity is in the way that these arguments are presented. Subjective information whether it is in written or spoken form is generally considered to be a single persons opinion. It has a viewpoint, or possibly a bias, regardless of the information it provides. Remember to reference Budgeting[DS11] Borrowing books were free because they were borrowed from the library. This means there was no need to purchase any books. The journals were free; however the library paid approximately  £20 for the journals viewed. The journals used were free as they came from a free source on Google. There was no need to print any resources as you can access the journals online. It cost  £2 to purchase lines and plain paper from the shop to write ideas down and make a plan. Appendices References[DS12] Nanotechnology for dummies Richard Booker and Earl Boysen 2005 Opportunities and risks of Nanotechnologies , Report in co-operation with the OECD International Futures Programme 20016 April klazema. 2014. Objective vs. Subjective Writing: Understanding the Difference. [ONLINE] Available at: https://blog.udemy.com/objective-vs-subjective/. [Accessed 12 June 2014]. Word count Words: 1,952 [DS1]Incorrect referencing style. [DS2]Incorrect referencing style used. [DS3]This need to be at the end of the sentence with the period after the last bracket. [DS4]Another way you could have used this reference is: Albeit, broker and Boysen (2005) suggestsà ¢Ã¢â€š ¬Ã‚ ¦ Also, in-text reference used is incorrect. [DS5]A reference would be needed to support this statement. [DS6]Such as? [DS7]You could have added further context to your summary. You raised a lot of good points in your body. How could further research impact/improve nanotechnology? Which area of nanotechnology could use further research during this stage in its development? You could have brought some of these questions into context at this stage. [DS8]What ethical constraints would this field of study face? And how would you address them? [DS9]Good. [DS10]No the format for in-text Harvard referecing [DS11]Good [DS12]This is not the format for Harvard referencing.   Ã‚  

Binswangers Disease :: Biology Essays Research Papers

Binswanger's Disease Even though I knew my grandmother for 17 years before she died my mother told me that I had never met her. According to her my grandmother had not been "herself" for years because the affects of her advanced age had basically destroyed the person she once was and turner her into a living zombie. Although humans live an average of 85 years, things such as memory loss and lack of motor control can completely change a person and in a way kill her years before she dies. Vascular Dementia has the same general symptoms as "old age" only it typically occurs in younger people. Binswanger's Disease is a specific type of vascular dementia, probably the most common form, which affects people at approximately age 60. Most people diagnosed with this disease do not live past five years of its onset(1). Currently, not much is known about Binswanger's Disease; in many ways it resembles various other neurological disorders making it difficult to diagnose. The trademark of this disease is damage to th e blood vessels in the deep white matter of the brain(1),(4),(5). The pons, basal ganglia, and thalamus are typical sites for these lesions(5),(7). A Magnetic Resonance Imaging scan is one of the most reliable ways to see this damage(5),(6). However, with outward symptoms such as depression, strokes, and disease of heart valves(1),(2),(3),(5) an MRI is not typically one of the first diagnostic tool used and the disease proceeds unchecked. My original thought surrounding Binswanger's Disease related to my mother's opinion of my grandmother; the people with the disease became different people due to the changes in their brains. In other words, one of the physical changes that takes place in the brain must somehow affect the victim's I-function effectually transforming him or her into a different individual. From the point of view that brain equals behavior and there is nothing else this analysis made logical sense. However, it seemed like a very simplistic summary of the disease's effects, and after deeper investigation into the course of the disease I realized that the answer would not be so easy. One of the facts I uncovered is that occasionally victims will partially recover and stabilize for a period of time, thus reverting to their pre-Binswanger's Disease selves(1),(5). So the I-function cannot, most probably, be destroyed in these instances since the victims return to their original behavior, even though their br ains have undergone alterations. Binswanger's Disease :: Biology Essays Research Papers Binswanger's Disease Even though I knew my grandmother for 17 years before she died my mother told me that I had never met her. According to her my grandmother had not been "herself" for years because the affects of her advanced age had basically destroyed the person she once was and turner her into a living zombie. Although humans live an average of 85 years, things such as memory loss and lack of motor control can completely change a person and in a way kill her years before she dies. Vascular Dementia has the same general symptoms as "old age" only it typically occurs in younger people. Binswanger's Disease is a specific type of vascular dementia, probably the most common form, which affects people at approximately age 60. Most people diagnosed with this disease do not live past five years of its onset(1). Currently, not much is known about Binswanger's Disease; in many ways it resembles various other neurological disorders making it difficult to diagnose. The trademark of this disease is damage to th e blood vessels in the deep white matter of the brain(1),(4),(5). The pons, basal ganglia, and thalamus are typical sites for these lesions(5),(7). A Magnetic Resonance Imaging scan is one of the most reliable ways to see this damage(5),(6). However, with outward symptoms such as depression, strokes, and disease of heart valves(1),(2),(3),(5) an MRI is not typically one of the first diagnostic tool used and the disease proceeds unchecked. My original thought surrounding Binswanger's Disease related to my mother's opinion of my grandmother; the people with the disease became different people due to the changes in their brains. In other words, one of the physical changes that takes place in the brain must somehow affect the victim's I-function effectually transforming him or her into a different individual. From the point of view that brain equals behavior and there is nothing else this analysis made logical sense. However, it seemed like a very simplistic summary of the disease's effects, and after deeper investigation into the course of the disease I realized that the answer would not be so easy. One of the facts I uncovered is that occasionally victims will partially recover and stabilize for a period of time, thus reverting to their pre-Binswanger's Disease selves(1),(5). So the I-function cannot, most probably, be destroyed in these instances since the victims return to their original behavior, even though their br ains have undergone alterations.

What Kind of Parent Are You (Going to Be) :: essays research papers fc

  Ã‚  Ã‚  Ã‚  Ã‚  Raising children is a job all of its own. Eric comes home from a hard days work at the office and there is a message on his answering machine saying that little Billy had been suspended from school today for getting into a fistfight. Eric is upset and sent Billy to his room and tells him that he is grounded for a week. Eric didn’t want to come home to this chaos; he was exhausted from working. He just wanted to relax. After Eric cools off, he tells Billy that he better not do it again and that he could be ungrounded if he cleans up his room. What kind of parenting did Eric just exercise? He essentially didn’t punish Billy at all. What would have your dad done if you beat some kid up at school and got suspended?   Ã‚  Ã‚  Ã‚  Ã‚  All parents react in different ways to things that their children do. Dr. Diana Baumrind, a leading parenting sociologist, has classified the way that parents raise their children into four different parenting styles: authoritarian, authoritative, permissive and uninvolved (Darling 2). Authoritarian parents want control over their children’s lives both physically and psychologically. Authoritative parents physically control their children, but don’t need to brainwash them to do it. Permissive parents allow their children to make their own choices by allowing them to do what they wish. Uninvolved parents don’t care about their children and usually neglect them. Only a small percentage of people are authoritarian or uninvolved parents. The authoritative and permissive parenting styles are the most widely used ones today (Darling 3).   Ã‚  Ã‚  Ã‚  Ã‚  Authoritative parents are both demanding and responsive to their children’s actions. They monitor and set clear standards on how a child is to act and what will happen if they deviate from this. In the example about little Billy getting suspended from school, an authoritative parent would have grounded him and perhaps put him in time-out. He would stick to Billy’s punishment and make him think about what he did. In contrast, permissive parents are more responsive than they are demanding of their children’s actions. They are nontraditional and lenient towards them. They try to avoid confrontation with their children by allowing them to be free minded and do whatever they wish. The attitude of this type of parenting is not a very wise one to have. Permissive parents find that their children: get into arguments with teachers, tell someone â€Å"no† when they are told to do something, and yell and argue when they don’t get what they want.

Youths Are Overly Dependent on the Internet’

In today’s world, it is not surprising to find teenagers, even young children, using the latest gadgets on buses, trains or even in restaurants. If you ever try to think about the last day you went without the Internet or cell phone, chances are you would have a hard time coming up with the answer. Youths, also, eventually have developed a dependency on the Internet to socialize with their friends or search for information to an extent that they lack interaction skills.Actually, the Internet’s not too bad. It’s usually the number one thing youths use because of all its possibilities – to download homework, research, chat with friends and make plans. The Internet has also made it much easier to stay in touch and make new friends. Furthermore, teachers have also taken advantage of the advancements to develop some sense of responsibility in the students by moving away from some pen-and-paper to more interactive online assignments.However, with the fact that t he web is accessible almost everywhere, through data roaming on smartphones or connecting the laptop to free Wi-Fi at shopping malls, a research showed that teens spend an average of 20 hours a week in front of a computer or television. With so many distractions around us, when are teens supposed to make time to hang out with friends or relax with their families? Many youths are also unaware of the kind of personal information they put online for the world to see.For instance, some youths will post about when they are leaving for their vacation for a period of time on social network sites Facebook and Twitter, without thinking of the consequences such as strangers emptying their house when they are away. One of the biggest problems for children is not that they are vulnerable but that their parents don’t know what they’re doing. Furthermore, a recent survey concluded that 75% of those aged between 16 to 24 years old couldn’t live without the Internet. It is unde niable that the chance for danger exists when using the Internet, specially for youths. There is definitely a high chance that future generations of young people will only increase their dependence on computers and as long as the Internet exits, there will be risks. The best thing for youths to do is educate themselves regarding the Internet, to know what not to do and understand how to protect themselves. In a world where technology is becoming more and more prevalent, everyone must learn to cope with the risks if they are to continue enjoying the benefits. Youths Are Overly Dependent on the Internet’ In today’s world, it is not surprising to find teenagers, even young children, using the latest gadgets on buses, trains or even in restaurants. If you ever try to think about the last day you went without the Internet or cell phone, chances are you would have a hard time coming up with the answer. Youths, also, eventually have developed a dependency on the Internet to socialize with their friends or search for information to an extent that they lack interaction skills.Actually, the Internet’s not too bad. It’s usually the number one thing youths use because of all its possibilities – to download homework, research, chat with friends and make plans. The Internet has also made it much easier to stay in touch and make new friends. Furthermore, teachers have also taken advantage of the advancements to develop some sense of responsibility in the students by moving away from some pen-and-paper to more interactive online assignments.However, with the fact that t he web is accessible almost everywhere, through data roaming on smartphones or connecting the laptop to free Wi-Fi at shopping malls, a research showed that teens spend an average of 20 hours a week in front of a computer or television. With so many distractions around us, when are teens supposed to make time to hang out with friends or relax with their families? Many youths are also unaware of the kind of personal information they put online for the world to see.For instance, some youths will post about when they are leaving for their vacation for a period of time on social network sites Facebook and Twitter, without thinking of the consequences such as strangers emptying their house when they are away. One of the biggest problems for children is not that they are vulnerable but that their parents don’t know what they’re doing. Furthermore, a recent survey concluded that 75% of those aged between 16 to 24 years old couldn’t live without the Internet. It is unde niable that the chance for danger exists when using the Internet, specially for youths. There is definitely a high chance that future generations of young people will only increase their dependence on computers and as long as the Internet exits, there will be risks. The best thing for youths to do is educate themselves regarding the Internet, to know what not to do and understand how to protect themselves. In a world where technology is becoming more and more prevalent, everyone must learn to cope with the risks if they are to continue enjoying the benefits.

Joe’s Fly-By-Night Oil Company Essay

†¢ Prepare a ratio analysis for the fiscal year ended Dec 31, 2012. Organize your analysis per the following outline: (1) Liquidity – Current ratio: 25,000/17,000=1.47% Quick ratio: 25,000-17,000/17,000=25,000 Comments on liquidity- The results cant really determine how well or bad the company is doing until you compare it to another company. This ratio helps show the ability to pay off short term obligations as they are due. (2) Asset management – Total Asset turnover: 10,000/40,000=.25 Average collection period (ACP): 10,000/365=27 3,000/27=111 days Comments on asset management- Each $1 of asset is producing .25 in sales. Using assest utilization shows why one firm turns over assests more rapied than another. Average collection period states that it’s taking the customer around 111days to pay off their bills. This indicates how long sales stay on companys books. (3) Debt management – Debt ratio: 20,000/40,000=50% Times interest earned: 3,000/200=15 times Comments on debt management- Times interest earned shows the number of times that income before interest and taxes covers the interest obligation . The higher the ration the stronger the interest paying ability of the firm . (4) Profitability – Net profit margin:1800/10,000= 18% -Return on Assets (ROA): 1800/40,000= 4.5% -Return on Equity (ROE): 1800/20,000= 9.0% Extended Du Pont equation: .25x.18-0.045(4.5%) Comments on profitability to include your comments on the sources of ROE revealed by the Du Pont equation These types of ratios indicate if the firm is making any money, and how much in relation to whats invested. They also give you an indication of how the firm is doing in controlling its costs. Net profit margin sales minus all expenses, including interest and taxes . So the net profit margin ratio measures the proportion of each sale dollar that remains after all expenses are paid for . Joes is at 18% . The ROA should be compared to past years ROA to determine wheather it is good or bad. The ROE is the bottome line which can be compared to other investments and see where they are. It evaluates the return the firm produces. The Du Point equation allows you to understand the source of return but it need to be compared to a similar industry to see truly where the company is. (5) Market value ratios – PE ratio: Market price of company stock /earnings per share of stock 50.00/1.80=27.7 – Market to book ratio: Share price of stock/book value per share To get the book value per share you take total equity /common shares outstanding 20,000/1,000=20 then you take share price /book value per share 1.80/20=.09 Comments on the market value ratios The M/B ratio gives you an indication of the value of a firm’s intangible non-listed assests. These numbers help you get an idea what it will cost you to get $1 of the firms assets. Stock’s market price represents how much investors are willing to pay today for that claim. I the M/B ratio is higher than 1.0 therefore , you can say that the value of the equity claim has gone up. If you look at the M/B ratio for Joe’s the equity claim has gone up since its at 27.2. For the purposes of this exercise, assume the following data for Joe’s Fly-By-Night Oil: Stock price on Dec 31, 2012†¦$50.00 Number of common shares outstanding on Dec 31, 2012†¦1,000

Product Lines of Metlife Alico

Abstract Products can be tangible or intangible, physical or logical. Insurance services are logical and considered as intangible product in marketing. Presently it is a familiar term in our day to day life. Many different insurance companies provide different types of insurance services. In western countries adopting insurance services are mandatory. In Bangladesh Insurance services are also getting popular day by day. MetLife Alico is one of the leading insurance companies in Bangladesh. It is well organized and has a wide range of product line.Here the details of the product lines of MetLife Alico will be presented in brief. Firstly, the product concept of marketing will be described. Secondly, insurance services will be introduced as a product. Thirdly, MetLife Alico and its history in Bangladesh will be discussed in brief. Fourthly, the product lines of MetLife Alico will be presented and their features will be discussed. Next, different value added service of the organization t owards its customers will be described. Finally, the report will be critically analyzed and some recommendations to increase acceptability of the report will be proposed.At last a, brief discussion on the product lines of MetLife Alico will be presented. Introduction Product is a good, service, or idea consisting of a bundle of tangible and intangible attributes that satisfies consumers and is received in exchange of money or some other unit of value. The organizations that are production-oriented look at a product basically as a manifestation of resources used to produce it and the organizations that are marketing oriented view a product from the target consumer’s perspective as a bundle of benefits by benefits i. e. functional as well as  emotional benefits.Accordingly they will have to see how their consumers view their products. There is no need to prepare a marketing mix for a product that offers few consumers benefits, because that product will not sell. If we conside r the product from the target customer’s perspective, like the cosmetic companies are combining chemicals to make lipsticks, vitamin manufacturers produce little pills; watch makers produce mechanical devices that keep time. -What marketers are doing is they are basically enhancing their products for their target markets-as lipstick has becomes beauty and hope, vitamins become hope or a healthier life and watches become status symbols. So we can say that, a product therefore is a bundle of physical or logical, tangible or intangible attributes that have the potential to satisfy present and potential customer wants. In addition to the physical goods themselves, other elements include the warranty, installation, after sales service accessories and package. For example a product with warranty and the same product without warranty are not same. Products that are intangible are exchanged directly from producer to user, they cannot be transported or stored, and are almost instantly perishable.These products are called services. Service products are often difficult to identify, because they come into existence at the same time they are bought and consumed. The American Marketing Association defines services as – â€Å"Activities, benefits and satisfactions which are offered for sale or are provided in connection with the sale of goods. † Some common examples of service that are considered as product are services of a lawyer, Service of a beautician, banking services etc. Insurance services can also be considered as an intangible product.Insurance service as a product Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange of payment. It is a form of risk-management primarily used to hedge against the risk of a contingent, uncertain loss. An insurer, or insurance carrier, is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. The amount of mon ey to be charged for a certain amount of insurance coverage is called the premium.The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. An Insurance service is also an intangible product because nothing is actually produced and there is no tangible item being exchanged.The policy, policy booklet, etc. is a contract and terms of the contract, however that is not bought. However with an insurance contract no tangible good is exchanged for the consideration (i. e. premium). What is being exchanged for the consideration is an agreement that the insurance company will indemnify you in accordance with the terms of the contract. Moreover insuranc e services are demandable and have market values. So, it is a product. There are wide ranges of insurance services, they are offered at different conditions and in different packages.A single insurance provider often offers different types packages and also different types of services. For example, MetLife Alico offers total four types of packages in insurance schemes with different types of products in each scheme. Terms and conditions vary from packages to packages and products to products. These services are designed targeting different types of customers. Overview of MetLife Alico MetLife Alico is an affiliate of MetLife, Inc. , a leading global provider of insurance and employee benefit programs. Through its subsidiaries and affiliates, MetLife serves more than 90 million customers around the world.It provides a full range of Life, Accident and Health insurance products for customers ranging from individuals to large local and multinational corporations. Individual, group, and credit protection products help its customers recover from financial loss due to death, disability, accident, sickness, and loss of employment. Also, individual savings and group pension products help its customers save for education, retirement, or other financial goals. Its products are available through agents, brokers, financial institutions and direct to customer. In addition to, being the largest life insurer in the U.S. and Mexico, MetLife is now a leading competitor in Japan holding advantageous positions in Europe, and is in top-five position in many high-growth markets of Central and Eastern Europe, the Middle East and Latin America. MetLife Alico has been helping people and businesses in Bangladesh with their insurance needs since 1952. It have tailored extensive product offering to the unique needs of individuals, families and businesses of all sizes. Presently, it is one of the leading insurance companies in the country, with close to 1,000,000 insured members and over 12,000 agents.The main products of MetLife Alico in Bangladesh are life insurance, saving and retirement plans and accidents and health insurance for individuals and employee benefits, credit life insurance and insurance for non-employees for corporations. In these six categories MetLife supports many services of different terms and durations. Product lines of MetLife Alico Figure 1 : Different services of MetLife Alico. From the figure it is clear that MetLife Alico supports total six types of Insurance services in Bangladesh. It supports three types of solution in each of the individual and corporate solution category.The services offered by the company are Life insurance, Savings ; Retirement insurance plan, Accident ; Health Insurance, Employee Benefits, Credit Life Insurance, and Insurance for Non-Employees. For convenience only individual solutions will be discussed. A brief overview of the Individual services is provided in the next topic. Different schemes and their features The services of MetLife Alico will be discussed in two major categories, Individual solutions and corporate solutions. Individual solutions are services that are designed to meet individual needs.The individual services are designed to meet different types of insurance needs of individuals. Individual plans consists life insurance plan, savings ; retirement plans popularly known as DPS schemes and accident ; health insurance plans. Life insurance Life insurance can take care of family and help them maintain their standard of living if something odd happen to the insured. Apart from taking care of outstanding loans or mortgages, it can also protect children's education or provide monetary benefits to family members. There are two types of life insurance Education Protection Plan (EPP) Plus and Three Payment Plan (3PP) Plus.Education Protection Plan (EPP) Plus The cost of a good education is rising high, and has risen at an alarming rate in recent years. To secure the best possible e ducation for children’s, individuals need to plan ahead. Education Protection Plan is specifically designed to help and can give the reassurance right preparations for children’s future. If some awkward situations occur, insured family members suffers from financial crisis, this plan protects them from financial problems also. The main features of Education Protection Plan (EPP) Plus are: * A flexible plan with terms ranging from 10 to 25 years On maturity, insured persons child will receive the full face amount along with the bonus * In case of insured’s sudden death, the plan protects his child's financial future by paying out a monthly sum of 1% of the face amount every month for child’s education till the maturity of the policy. The policy also provides for a waiver of all future premiums in order to keep the policy active and in-force. * Insured can choose to add a disability protection rider to this plan which will protect in the event of a disabili ty due to sickness or accident. Like in all other life policies, the paid premiums are income tax deductible (subject to prevailing tax laws ; rules). * This EPP Plus plan also provides a personal accident coverage that ensures the financial future of insured loved ones in case of his death, disability or injury due to an accident. Three Payment Plan (3PP) Plus The Three Payment Plan is an innovative policy that provides the ultimate solution in financial planning giving both the protection insured need and the regular payouts he want to meet his financial needs. It has all the security of a life insurance plan and the flexibility of a savings policy.The main features of Three Payment Plan (3PP) Plus are: * This Plan is available for varying terms. * 25% of the face amount is paid at the end of 1/3rd of the term and another 25% at the end of 2/3rd of the term. * The remaining 50% of the face amount is paid along with a bonus at maturity. * In the unfortunate event of the death of th e policy holder, at any time during the term of the policy, their loved ones will receive the entire face amount along with the bonuses – NO DEDUCTION is made for the partial maturity amounts already paid. Loans up to a maximum of 85% of cash value are available, if required. * Like in all other life policies, the paid premiums are income tax deductible (subject to prevailing tax laws ; rules). * The 3PP Plus also provides Personal Accident Coverage in case of insured’s death, disability or injury due to accident. Savings ; Retirement Savings and retirement plans are for saving for future and creating a source of income to be available in future. There are three different plans in this category. Income growth Plan, DPS super and lifeline pension plan.The details of the plans are described below: Income Growth Plan The main features of Income Growth Plan are: * A unique plan that combines protection and savings * Offers a maximum premium payment term of up to 30 years t hereby giving the flexibility of choosing small payments to suit your budgetary needs * The plan is split into 2 phases. The first phase is for a period of 7 years and then the second phase starts (from the 8th year) and includes the rest of the term. * During the first 7 years savings is accumulated and grown and at the end of the 7th year a dividend is declared.This dividend could be up to 40% of the cash value of the plan. * In the second phase, the cash value and dividend are transferred to the Investment ; Protection Account (IPA) * From the 8th year onwards, the policy offers a range of flexible options such as changes to the amount of premium, insurance coverage, etc, subject to the policy terms and conditions. * Maturity Benefits: On maturity, the policy owner can either withdraw the account (IPA) value; or convert it into a life time pension. Like in all other life policies, the paid premiums are income tax deductible (subject to prevailing tax laws ; rules) * Income Growth also provides Personal Accident Coverage in case of your death, disability or injury DPS Super As a sensible and responsible individual, one must be looking for the best possible avenues to grow his hard-earned money. An ideal financial plan for him may be the one that accumulates his money with reasonable returns as well as provides protection to him ; his family against uncertainties. One such a plan is MetLife Alico’s DPS Super offer.MetLife Alico’s DPS Super is a savings and protection plan that provides an attractive Maturity Value and a substantial Accidental Benefit. There are total three types of services in this category. They are: Plan| Features| DPS Super – Gold| Maturity Value + Life Coverage + Accident Coverage + Critical Illness ; Waiver of Premium Benefits| DPS Super – Silver| Maturity Value + Life Coverage + Accident Coverage| DPS Super – Bronze| Maturity Value + Accident Coverage| Table 1: MetLife Alico DPS plans. The terms and co nditions of the plans are given below: DPS Super – Gold Plan Attractive Maturity Value to meet financial planning needs. * Life Insurance coverage equivalent to policy Face Amount. * Double Benefit due to Accidental Death (AD) and Accidental Permanent ; Total Disability (PTD); consequently a total coverage of 3 times the Face Amount in case of AD. In case of Accidental Dismemberment the additional Accidental Benefit may reach up to 2 times the Face Amount depending on the type and extent of Loss * Lump Sum payment equal to 100% or 50% of the Face Amount in case of diagnosis of 8 Critical Illnesses * Waiver of Premium in case of Permanent Total Disability due to Accident or Sickness.DPS Super – Silver Plan * Attractive Maturity Value to meet ones financial planning needs. * Life Insurance coverage equivalent to policy Face Amount. * Double Benefit due to Accidental Death (AD) and Accidental Permanent ; Total Disability (PTD); consequently a total coverage of 3 times the Face Amount in case of AD. In case of Accidental Dismemberment the additional Accidental Benefit may reach up to 2 times the Face Amount depending on the type and extent of loss. DPS Super – Bronze Plan * Attractive Maturity Value to meet ones financial planning needs. Death Benefit equal to account value or premiums paid for the basic policy whichever is higher. * Accidental benefit under which 2 times the Face Amount (Face Amount is defined as the DPS Super annual premium times the policy term) will be paid in the event of accidental death, or accidental permanent ; total disability (PTD). In case of accidental dismemberment the additional accidental benefits may reach up to 2 times the face amount depending on the type and extent of loss. Lifeline Pension PlanLifeline Pension Plan is an opportunity to earn in the post job life after retirement. In life line pension scheme one saves during employment and earns after retirements. The main features of the product are: * It o ffers you a combination of savings and protection. * One can choose a plan that has a payment term ranging between 10 and 20 years. * It have the facility to withdraw the face amount along with any accumulated bonuses any time after the end of the premium payment period. * One can start receiving the pension payment, 1 year after the completion of the premium payment period. One can choose to postpone this pension payment and leave the annual income with MetLife Alico to accumulate further. * This annual pension payment will continue up to the age of 100. * It offer a minimum guaranteed return of 4% with the option to receive an excess form the year of investment performed. * In the unfortunate event of insured’s death, his loved ones will receive the full face amount plus accrued bonuses. * Like in all other life policies, the paid premiums are income tax deductible (subject to prevailing tax laws ; rules). This plan also provides a personal accident coverage that ensures th e financial future of loved ones in case of insured’s death, disability or injury due to accident. Accident ; Health Insurance Solutions MetLife’s accident and health insurance products secure its clients in case of unusual health hazards and accidental cases. There are total eight types of Accidental and Health Insurance solutions available in this category. The features and details of the services are given below. Critical Care No one likes to thinks about serious illness, but it is always a possibility.For example estimation shows that 1 in 8 people aged 30 today will contract cancer before age 65. The Critical Care is the convenient and affordable critical illness protection plan that is specially designed to protect insured and his family in the event of any health crisis that may strike any of us, any time, anywhere. Critical Care can make sure getting the medical help one need. What’s more, the policy can help replace insured income if he is unable to wor k, so the bills are still paid and insured’s loved ones are looked after. The terms and conditions of the plan are given below: Critical Care will provide insured with lump sum payment of up to BDT 500,000 which is payable upon diagnosis and receipt of proof for one critical illness only. * Critical Care supplements ones life insurance protection. * MetLife offer several plans and anyone can select the plan of his choice for him. * The critical illness lump sum payment will be made only after diagnostics and proved with any of the 25 illnesses listed. * There is no deductible amount. Hospital Care Being admitted in a hospital is stressful enough without the added worry of the expenses.Traditional insurance products may not cover all the additional expenses that one will incur or the loss of income may be suffered if one is hospitalized. Hospital Care supplementary policy can give the added finances to cover whatever one feel is important so that he can concentrate on getting well. It pays the cash amount that insured have selected when he or his insured family members are hospitalized, even in a free hospital. The cash income starts from the very first day of hospitalization and continues for up to 52 weeks for each confinement. The product terms and conditions are given below: The Hospital Care supplements insured life insurance protection * These benefits are payable in addition to any other insurance plan that one may have. * One can select the plan that best suits his needs and the needs of his family from the range offered. * The Daily Cash income continues for up to 52 weeks from the very first day of hospitalization. * The Cash Income is paid directly to insured, to use any way he wishes. * The Cash income is payable regardless of expenses, even if treatment is confined in a free hospital. * There is no deductible amount or waiting period.Lifetime Income Policy If anybody wants absolute security in case he is no longer capable or able to handle t he daily responsibilities of his family due to a sudden accident, Lifetime Income policy is for him. It is a protection plan that provides a cheque-a-month for lifetime of his spouse, his children or even himself, with a guaranteed minimum of 240 monthly benefit cheques. Lifetime Income Policy is a unique plan that provides cheques month after month, year after year to meet insured family expenses. With the same reliability one provide to his family.The details terms and conditions of the product are given below: * This is a dedicated accident insurance product specially tailored for the Bangladesh market where the rate of road traffic accident is one of the highest in the world. * It offers coverage for accidental loss of life, permanent partial disability due to accident, and permanent total disability due to accident * Several units are available under this policy and one can pick the number of units that suits him the best. * No health questionnaire or medical examination requir ed. * This plan provides you with 24 hour, 365 days a year worldwide coverage. The premiums that are paid are income tax deductible (subject to prevailing tax laws ; rules). * 20% of the Premium paid will be refunded as a ‘No Claim Bonus' after 3 years, provided that no claim has been made. Circles of Protection With Circles of Protection one can build the ideal protection for him from a range of options; he just choose the ones that are appeared right to him.. The details of the terms and conditions are given below: * Circle 1 offers protection against accidental death, permanent total and partial disability, Double indemnity-common carrier ; flying with guaranteed cash payments to himself or his loved ones. Circle 2 offers a weekly accident indemnity income for up to two years, replacing lost income due to disability as a result of an accident. This option is only available if you take out Circle 1. * Circle 3 offers accident medical expense reimbursement – total prot ection for reasonable accident medical expenses in and out of hospital. Only available if one takes out Circle 1. * Circle 4 offers Hospital Health Care which provides income for insured and his family if he stay in hospital due to accident or sickness. Circle 5 offers a monthly income for Lifetime with a guaranteed minimum of 240 monthly benefits for covering expenses like food ; clothing, rent, school ; university fee, medical ; health, mortgage ; taxes etc. Minimum monthly income: BDT 3,000 Maximum monthly income: BDT 20,000 My Child Special, Good Health Special, Executive 5 Special and Medi-Guard these four services are still unavailable in Bangladesh and will be made available soon. Other features of MetLife Alico Apart from the above mentioned individual insurance offers MetLife Alico provides some value added services also.In this offers MetLife offers a free health card that offers 15% off on physical diagnostics of the insured and his family members at permitted hospitals a nd diagnostics centers. In addition to the health card the company provides a dedicated customer care officer for each client who deals will all insurance related problems and query of the clients. The monthly payment can be made by auto debit system to reduce effort from clients end. Moreover the websites of the company provides a satisfactory description to its services and provides easier contact with its scustomer care officers.Limitations of the Report The report is prepared extensively based on information provided at the company websites and at other web resources. Customer’s opinions are not taken into account during preparation of the report. If customer’s opinions and their feedbacks are added to the report it will be more reliable and authentic. Some customer relation officers can also be interviewed to enhance the report. If some case study and more present statistics are added to the report it will be more accurate. ConclusionsInsurance services are gettin g popular all over the world day by day. It is a logical service related to risk-management. The main policy is saving user’s money for future to resolve accidental crisis. However people in our country are not aware about the policies of the available companies. Necessary campaigns are necessary to make the insurance services popular. Moreover most of the peoples in our country live below the poverty lines, so insurance companies should make easier terms and policies suitable to the poor peoples of the country.But it is ironically true that most of the insurance companies are targeting only the corporate peoples. The insurance companies should change their values to make their services more users friendly rather then treating it as a profitable product only. It is desired that MetLife will design their new services considering these facts. Appendix Appendix A: Personal Accident Coverage If one is qualified for accident coverage, this plan also provides the following addition al benefits in case of his death, disability or injury due to accident within the premium paying period.The Personal Accident Coverage provides a maximum cover of Tk. 20,00,000 and the proportionate amounts are mentioned below: A. ACCIDENTAL DEATH BENEFIT| : 100% of FA  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  | B. PERMANENT TOTAL DISABILITY BENEFIT| : 100% of FA| C. PERMANENT PARTIAL DISABILITY for the following losses:|   | †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Both Hands or Feet or Sights of eyes| : 100% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   One Hand   and One Foot| : 100% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Either Hand / Foot and Sight of One Eye| : 100% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Hearing of Both Ears| : 100% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Speech  | : 100% of FA|   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Either Hand or Foot| :   50% of FA  | †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Sight of one Eye| :   50% of FA| †¢Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Thumb and Index fingers| :   25% of FA| D. MEDICAL EXPENSES REIMBURSEMENT| Max of :   15% of FA| Appendix B: Critical Care Insurance packages and benefits Appendix C: Diseases covered under critical care 1. Stroke 2. Cancer (Except Skin Cancer) 3. First Heart Attack 4. Coronary Artery Surgery 5. Other Serious Coronary Artery Diseases 6. Heart Valve Replacement 7. Major Burns 8. Blindness 9. Pulmonary Arterial Hypertension (Primary) 10.End-stage Lung Disease 11. Kidney Failure 12. Surgery To Aorta 13. Aplastic Anemia 14. Major Organ Transplant 15. Loss Of Hearing 16. Loss Of Speech 17. Muscular Dystrophy 18. Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders 19. Motor Neuron Disease 20. Parkinson’s Disease 21. Coma 22. Benign Brain Tumor 23. Major Head Trauma 24. Bacterial Meningitis 25. Paralysis| Appendix D: Hospital Care packages and benefits Appendix E: Diseases covered under Hospital care packageThe 9 dreadful diseases covered under hospital care packages are:    * Heart Attack   Ã‚   * Cancer (Except Skin Cancer) * Coronary Artery Disease * Stroke * Renal Failure * Blindness due to Sickness * Paralysis * Major Burns * Major Organ Transplantation| References Information and different data are collected from the following sources: * http://www. metlifealico. com. bd/en/Individual/index. html * Principles of Marketing by Philip J. Kotler ; Gary Armstrong * http://www. adv-ins. com/ * http://www. marketing91. com/product-concept/