Anna Karenina essays

Anna Karenina papers Anna Karenina by Leo Tolstoy is a novel about affection and marriage among the Russian gentry during the 1870s. Anna is youthful, delightful lady wedded to a ground-breaking government serve, Karenin. She goes gaga for the rich Count Vronsky and subsequent to getting pregnant by him, leaves her better half Karenin and her child Seryozha to live with her sweetheart. In spite of the intercession of companions, for example, her sibling Oblonsky, a miscreant himself, she can't acquire a separation, and lives disconnected from the general public that once celebrated her. As a man, Vronsky appreciates relative social opportunity, which makes Anna have progressively extraordinary attacks of envy. In view of her consistent doubt, she imagines that Vronskys love for her is diminishing. Their story is finished by an energizing finale that moves the peruser. Joined with the narrative of Anna, is the story of Levin, a keen, enthusiastic youngster who tries to wed the Princess Catherine Shcherbatskaya, known as Kitty. Kitty dismisses his first proposition since she accepts that Vronsky, who played with her before he met Anna, expects to wed her. Levin is crushed and pulls back to his nation domain and takes a shot at a book about horticulture. In any case, the couple reunites through another appearance of Oblonsky, Kittys brother by marriage, and they find that they are profoundly infatuated. Kitty blissfully acknowledges Levins second proposition. When hitched, they live cheerfully in the nation, have their families and visitors during the summers, and have a child. Levin's philosophical uncertainty and strict incredulity inconvenience him regardless of his household satisfaction, yet, after a profound edification, he at long last perceives that the limit with regards to goodness is inborn. He dedicates himself to living for his friends a nd family, and to giving his life importance by propelling the desire of God. Anna Karenina is an immortal great and has been acclaimed by numerous artistic pundits as the best or perhaps the best novel ever. One pundit te... <! Anna Karenina articles The universe of Tolstoy's Anna Karenina is a world managed by some coincidence. From the exceptionally opening parts, where a guard is unintentionally run over by a train at Moscow's Petersburg station, to the last, climactic scenes of discretionary obliteration when Levin scans for Kitty in a timberland plagued by lightning, characters are united and constrained without hesitation without wanting to unintentionally and, in some cases, setback. That Anna and Vronsky ever meet and start the game changing undertaking that turns into the focal point of the novel is itself a result of a long chain of inconsequential occasions: coming full circle Anna's imparting a billet to Vronsky's mom en route to accommodate Dolly and Stiva in Moscow. But then, as an epigraph to this apparently turbulent universe of chance occasion, an apparently irreverent world that would appear to neither rebuff sin nor reward great, Tolstoy picks a citation that comes initially from the book of Deuteronomy's melod y of Moses: Retaliation is mine; I will reimburse. Originally (and to some degree barely) thought to allude to Anna's last shunning from the more elite classes of society that rebuff her for her wrongdoings, the epigraph is the way in to Tolstoy's inconspicuous and logically complex origination of profound quality that precludes the presence from claiming a widespread and unavoidable equity and gets obligation from the person's opportunity to make and afterward tie himself to laws. Three of the novel's characters, Stephen Oblonsky, Constatine Levin, and Anna Karenina, all somehow or another associated with the Shcherbatsky family, serve to represent the different ways that Tolstoy's individual can be, or neglect to be, acceptable, the different manners by which a character can be good, improper or irreverent using thought, or reason, to make need outside of the confounded requests of a disorganized reality. Tolstoy's reality is for sure a hireling to risk, and the plot depends so in tensely on happenstance that Anna Karenina, considering the numerous components of Menippian sa... <! Anna Karenina expositions Anna and Levin both experience revelations toward the finish of the novel. Their dreams are altogether different however, which is unexpected in light of the fact that Tolstoy depicts Anna and Levin as pairs. The consummation makes a difference and shows how two comparative individuals can wind up in totally different circumstances. Enthusiasm is a significant topic in relating Anna and Levin's lives on the grounds that for Anna's situation energy prompted obliteration, however Levin's energy drove him to the ruler. Prior to we even meet Anna, we meet Levin, whose story will run corresponding to Anna's through the span of the book. Anna and Levin share numerous character attributes, liberality and sympathy, incidental madness, and a win or bust disposition with regards to living. Much the same as Anna, Levin can't stand carrying on with his existence with inconsistencies between his activities and convictions. The distinctions are that Levin can discover socially adequate outlets for his character needs and wants, and that Levin isn't compelled to a similar world that Anna is. Levin lives in the open country, where the principles of the social request don't have any significant bearing and he feels awkward in urban areas, though Anna feels awkward away from them. The disclosures of Anna and Levin are finished differences to each other. The sections paving the way to Anna's self destruction are exceptionally discouraging. She is totally separated from the real world. The offensiveness of her relationship, her deeds, and her conduct all smash Anna as she runs quickly around Petersburg. To Anna the whole world has gotten terrible and the main thing Anna can consider is to end the hopelessness by murdering herself. She additionally ends it all to rebuff Vronsky however I feel that it is likewise to some degree to rebuff herself for her mix-ups. The way that her last idea is a petition is intriguing in light of the fact that it demonstrates that she wasn't totally lost from her confidence. To finish the account of Levin, Tolstoy shows how one may pick life instead of death. It additionally finishes Tolstoy's depiction of Russi... <!

The Foundation for Great Essay Writing

The Foundation for Great Essay Writing On this scene, we take a gander at the establishment of an extraordinary exposition and a few hints for keeping in touch with one. The subjects we spread are:First, how to sort out your considerations in an intelligible manner. Without this ability, it is hard for any understudy to gain higher degrees and prevail in their profession, paying little mind to the field they are in. In the event that your exposition is outlandish in its association, your perusers will be far less inclined to follow what youve written to decide your insight into the theme. Fundamentally, your exposition will exhibit obviously whether you are a solid source or not.Second, we see how to show your insight into what you are expounding on, and how to lead the required research. Basically, this mirrors the measure of work you put into your examinations. Educators and entrance advisory boards need to realize that you are eager to invest the push to learn and make progress in your scholarly interests, and this is inconceivable without cautiously and basically looking into different topics.Third, we talk about the capacity to direct smart discussion. The establishment of clever discussion depends on knowing all sides of the issue and realizing how to communicate your supposition without distancing crowds who may oppose this idea. An understudy may know their theme well, yet without the capacity to introduce their insight into the point consciously, their validity and mastery are questioned.Fourth, we take a gander at the requirement for fantastic syntax and composing abilities, since these aptitudes are essential for the viable correspondence of ideas.And at long last, we examine the significance of being careful when fulfilling a time constraint. In some cases, the most elegantly composed papers get dismissed or get a low score, just on the grounds that a cutoff time was not met.

Hippocratic Medicine as a Departure from its Egyptian and Mesopotamian Essay

Hippocratic Medicine as a Departure from its Egyptian and Mesopotamian Forerunners - Essay Example The paper â€Å"Hippocratic Medicine as a Departure from its Egyptian and Mesopotamian Forerunners† recommends that there are critical manners by which Hippocratic medication was an extreme takeoff from the religious recuperating in Ancient Egypt and Mesopotamia. Greek medication was viewed as the establishment of medication in the Western world. This view started to change as the Western world started increased a more extensive information on the historical backdrop of medication, coming about to a connection being built up between the before Mesopotamian and Egyptian medication and that of Ancient Greece. It is imperative to audit this relationship to see whether the decrease in the notoriety of Greek medication is defended. It is proposed to analyze whether Greek medication was in reality an extreme takeoff from the mending dependent on strict convictions that was rehearsed in Ancient Egypt and Mesopotamia. This paper asserts that Hippocratic medication was in certainty suc h an extreme takeoff on account of its utilization of surgeries, its idea of specialist obligation, and its premise in naturalism. Naturalism is the possibility that occasions are clarified distinctly based on causes that exist in nature. For example, a specialist may ascribe a patient’s affliction to an adjustment in the climate or to an absence of activity, an irregularity in diet, or an off base situation of the body during treatment. Naturalism will in general decide the reasons for a sickness dependent on what can be seen and inspected in the regular world as opposed to on powerful powers that happen in the otherworldly domain.

Moral And Religious Education Help Fight Corruption With A...

In this paper I will be addressing the research question, ‘to what extend does moral and religious education help fight corruption with in a sovereign country.’ In the reading by Augusto Là ³pez Claros, a Director at the World Bank Group, he stated that the corruption can be combatted with religious and moral education and by eliminating opportunities by doing away with rules that can encourage corrupt behavior. In other words, to be successful in fighting corruption within a sovereign country, the country needs to make deep cultural and structural changes. But is there any proof that shows that an increase in moral and religious education and creating a more religious culture will actually fight corruption? Mr. Là ³pez Claros has control over†¦show more content†¦Within this report, we will be mainly identifying political and grand corruption. However, the participant observations are about petty corruption. Masculinity: The masculinity side of culture represents a preference in achievement, heroism, and material rewards as success. This is the opposite of femininity, which represents a preference for cooperation, caring for the weak, and quality of life. Power Distance: The power distance represents how the culture handles inequalities between people. Higher power distance, the more the culture prefers and accepts a hierarchical order. Individualism: The individualism dimension of a culture is where individuals are expected to take care of only themselves and their immediate families. The opposite is collectivism, where an individual is loyal to a particular in-group. Iceland Background The first case study is about Iceland. Iceland, according to the Corruption Perceptions Index of 2015 conducted by Transparency intentional, is ranked 13th out of 168 countries on corruption perception. Iceland is a proactive country when it comes to fighting corruption. Only 3% of the population reported paying a bribe in 2010, however 53% of Iceland’s citizens feel that corruption has increased since 2007. But that is largely due to Iceland’s current affairs. For this case study, I will be looking at the history of the Landsbanki bank and the Panama Papers with respect to Ólà ¶f Nordal and Sigmundur David Gunnlaugsson. On OctoberShow MoreRelated5- Islamic Civilization (fall; a force; world peace).6212 Words   |  25 PagesEurope in its intellectual development, military prowess and legal organisation. However starting around 1700 Europeans progressively colonised virtually all Muslim majority countries which did not gain their independence until the mid-20th century. Today most Muslim majority countries are relatively backward compared with the countries of Europe, North America and Japan. This naturally invites the question What went wrong? 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The Pipeline, Fracking, And Climate Change - 1477 Words

Alternate Energy Sources and the Future of those sources Some of the major on-going controversies in this decade are Keystone XL pipeline , fracking, and climate change. These issues are co-related to each other and they all have one thing in common, energy from fossil fuels . Proponents for the Keystone XL pipeline fracking argue that it would reduce the energy dependence on foreign oil. Although they are good for the energy security of the US, it may be a step backwards in terms of controlling climate change and looking for alternatives. Our energy use has dramatically improved our lives , but this energy is derived mostly from fossil fuels and has resulted in environmental change , and depletion of fossil fuels (Shahriar 181 ). This leads to continuing military conflict . This resulted in developing and using alternate resources for the increasing energy demand. These alternatives can be helpful in reducing carbon emissions while ensuring the energy independence . These sources are wind ,solar ,geothermal, hydro, nuclear and renewable bio fuels. Some of these sources are renewable , meaning they can be replenished, while others like nuclear, are non-renewable, yet are clean sources of energy. For better sustainability , society continues to explore the challenges of these energy options to help implement the necessary changes for an environmentally friendly and energy independent future. Nuclear energy Although the second world war was devastating , it had aShow MoreRelatedFracking : An Unconventional Technique For Harvesting Natural Gas And Oil1301 Words   |  6 PagesFractually Inaccurate Hydraulic fracturing, commonly known and hereby referred to as fracking, has been around for decades- but it seems that it has only recently become a prominent point of contention in our society. Fracking is considered an unconventional technique for harvesting natural gas and oil. 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In Chapter 5, Johnson introduced Sandra Postel and Dave Cole. Sandra Postel wrote â€Å"Water for Life† with the motive to argue against the lack of ethics for how water should be used. Dave Cole’s wrote â€Å"Stop the Keystone XL† to expose how the construction of the pipeline can harm our environment and that even though the 342,000 jobs lookRead MoreFracking : The Curse Of The Black Gold2252 Words   |  10 Pagescompany is most known for its fracking practices as well as its impact on Nigerian villages. First Supporting Idea: Effects of Fracking - The Shell Oil Company has made a habit of overstating fracking s benefits and understating its risks. You may be asking, what is fracking? Fracking is a widely known practice in oil and gas companies and is the process in which liquids are injected at high pressure into rocks to cause cracks that they can extract oil from. 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The Sixth Amendment - 2928 Words

The Sixth Amendment The 6th Amendment focuses completely on the rights of a person accused of committing a crime by the government. The 6th Amendment contains seven specific protections for people accused of crimes. These seven rights are: the right to a speedy trial, the right to a public trial, the right to be judged by an impartial jury, the right to be notified of the nature and circumstances of the alleged crime, the right to confront witnesses who will testify against the accused, the right to find witnesses who will speak in favor of the accused, and, the right to have a lawyer. The reasoning behind all of these protections goes back to the days of our founding fathers; when under the English law none of these rights were†¦show more content†¦The history in England and Europe was of people being sentenced to lengthy prison terms, tortured or even killed in secret trials. If you were accused in this situation, you often had no chance to defend yourself and the charges were often trump ed up to eliminate political and religious dissent. By requiring a jury to be involved in a trial, serious and sometimes fatal decisions are taken out of the hands of one or a few judges, and are put into the hands of a group of average citizens who look over the evidence. This greatly reduces the possibility of corruption in the trial. For many years, all juries in America had twelve people, which is how juries were conducted during the time the Constitution was written. Eventually, though, the Supreme Court reduced the allowable size of juries in state trials down to a minimum of six. Federal trials must still have twelve jurors. The Court also removed the requirement that juries be unanimous in their decisions in state courts. Instead, 10-2 or 9-3 verdicts are now accepted. Federal court juries, however, must be unanimous. That brings me to the arraignment clause. This clause requires that if you are ever charged with a crime, you must be fully informed of the nature and cause of the accusation against you. Arraignments must include very specific charges, including dates, times, exactly what allegedly happened and must reference the exact writtenShow MoreRelatedEssay on The Sixth Amendment1908 Words   |  8 PagesThe Sixth Amendment was ratified on December 15, 1791. It guarantees rights related to criminal prosecutions in federal courts and it was ruled that these rights are fundamental and important. The Sixth Amendment gives the accused the right to speedy and public trial by the impartial jury. The accused has the right to be informed of the nature and reason of accusation and also be confronted with the witness against him as well as obtaining witness in his favor. In this research paper I will provideRead MoreHistory and Development of the Sixth Amendment Essay1044 Words   |  5 PagesMut hu S. Weerasinghe Constitutional Law LS 305 – 01 Unit 7 Essay The Sixth Amendment of the Bill of Rights contains seven clauses that protect the rights of the accused. The amendment assures the accused that â€Å"In all criminal prosecutions, the accused shall enjoy the right to a speedy and public trial, by an impartial jury of the state and district wherein the crime shall haveRead MoreThe Sixth Amendment: Providing Justice for Everyone Essay731 Words   |  3 PagesThe 6th Amendment: Providing Justice for Everyone Prior to the Revolutionary War, if the British accused a colonist of a crime, he would most likely receive an unfair trial and a prison sentence. When the Founding Fathers wrote the Bill of Rights, they believed that all Americans deserved rights which the British had not given them. The 6th Amendment provides many legal rights to United States citizens that protect them from being wrongly convicted of crimes. The 6th Amendment is the most importantRead MoreImportance Of The Sixth Amendment1735 Words   |  7 Pagescreate the sixth amendment in 1789 in attempt to codify fairness. When thinking about what the word fair means, one should think of a â€Å"marked by impartiality and honest: free from self-interest, prejudice, or favoritism† (Fair). Overall, the sixth amendment was created to â€Å"guarantee the right to criminal defendants, including the right to a public trial without unnecessary delay, the right to know who your accusers are and the nature of the charges and evidence against you† (Sixth Amendment). This meansRead MoreFourth, Fifth, and Sixth Amendments to the Constitution Essay887 Words   |  4 PagesCJL 4064 Amendment Project As requested by the committee chair, I have examined the 4th, 5th, and 6th Amendments of our Constitution. It is imperative for the participants of the Constitutional Convention to update, and furthermore, enhance the Bill of Rights. The amendments were created with a valuable perspective on individual rights in the 1700s. Today, in 2010, our country has developed in the use of language, our principles, and our overall society. After close examination of theRead Morehearings is to further the transparency course as espoused by the sixth amendment of the2300 Words   |  10 Pageshearings is to further the transparency course as espoused by the sixth amendment of the constitution. However, the open criminal proceedings are at the discretion of the judge because there are some trials that touch on national security or where minors are involved. During this deliberation, the judge is informed by the first amendment of freedom of press and speech, but these rights must be weighed according to prevailing circumstances. In such cases, the judge will issue order barring the mediaRead MoreMy Cousin Vinny : Truth, Justice And The Gambini Way968 Words   |  4 Pagesremain silent, anything may be held against the individual in a court of law. â€Æ' During the interrogation, Bill Gambini was not aware of his present charges nor his right to obtain an attorney, in addition, proceeded to be a violation of his sixth amendment right. This is a contrast due to the experience of a detective whom would not violate any constitutional right to insure that the case is unshakable. The Beechum County Sheriff’s Department obtained a coerced confession from Bill Gambini, anotherRead MoreCase Analysis : Crawford V. Washington944 Words   |  4 PagesEvid. 804(b)(3) (2003)† (Id. at 40). The defense objected to the use of this evidence in court because it violated his Sixth Amendment right â€Å"to be confronted with the witnesses against him† (Id. at 40). The trial court allowed the evidence to be admitted by citing an earlier decision, in Ohio v. Roberts, 448 U.S. 56 (1980), that the Supreme Court’s description of Sixth Amendment rights did not bar the prosecution from admitting a statement from an unavailable witness, â€Å"†¦ if the statement bears â€Å"adequateRead MoreDavis V. Washington ( 2006.990 Words   |  4 Pagesof Davis v. Washington (2006), the Supreme Court needed to decide on whether or not a statement that is made to law enforcement personnel during a 911 call or at a crime scene are â€Å"testimonial† and would thus be subject to the requirements of the Sixth Amendment’s Confrontation Clause. The case begins with a call made to a 911 emergency operator that was quickly disconnected before anyone was able to speak a word. The 911 operator, most likely following policy, called the number back. When the callRead MoreWho Is A Criminal Offender?1542 Words   |  7 Pagesthe history of the S ixth Amendment, information on self-representation process, individuals charged with a felony who use pro se, court cases dealing with pro se, and lastly laws in Virginia pertaining to criminal pro se defendants. Sixth Amendment First and foremost the criminal justice system is what it is today due to the first ten amendments to the Constitution that was ratified on December 15, 1971, also known as the Bill of Rights (Worrell and Moore, 2014). These amendments set the pathway for

Introduction To Dementia Care Clinical Neuroscience

Question: Describe about the Introduction To Dementia Care for Clinical Neuroscience. Answer: Introduction Dementia is a chronic, progressive deterioration of the human cognitive functions, much severe than what usually occurs in normal aging. It slowly affects a persons memory, intellect, learning, and other higher mental functions, except consciousness. On further progression of the disease, the person becomes disoriented, withdrawn, and loses control of ones own bodily functions, eventually leading to death. Dementia might be attributed to genetic causes, even as hypothyroidism, Vitamin B12 deficiency, and infections like neuro-syphillis also are known to trigger the early onset of the disease (WHO, 2016). Dementia usually occurs in individuals over 65 years of age, and the disease causes some of the symptoms of aging to occur prematurely. Various mechanisms related to aging and aging theories are attributed to trigger the symptoms of dementia, such as the neuronal mitochondrial damage, formation of plaques, white matter damage, altered synaptic connectivity etc. However, the natural process of aging must not be confused with accelerated aging seen in dementia due to pathological changes (Appendix). Hence, a single theory of aging cannot be proved to justify accelerated aging in dementia; the interventions must be planned addressing to all the pathological changes that occur within the brain due to the disease. (Powers, 2005) Cognitive examination is mostly used as a diagnostic testing, along with neuro-imaging techniques. Till date, a complete cure for the disease is not found, though a lot of treatment methods are being researched upon. However, there are a few measures to improve the quality of life of individuals affected with dementia and their caregivers. Cognitive, functional, behavioural, and psychological interventions can help delay the rapid progression of the disease, making the individuals condition manageable. This essay discusses the different manifestations of dementia and its associated changes, its impact on the quality of life, roles and responsibilities of the caregivers, and the strategies to effectively manage the disease. Dementia and its management Most of the types of dementia are characterized by slowly progressing irreversible damage to the brain (Savva et al., 2009). Four major types of the disease are discussed here. (Alzheimers Association, 2009) Alzheimers disease is accountable for nearly 50% of the individuals diagnosed with Dementia. It is usually an inherited genetic disorder, characterized by short term memory loss, disorientation, agitation, and withdrawal from society. Upon onset, progressive atrophy of the brain cells triggers the symptoms. Vascular Dementia is accountable for nearly 20% of the individuals diagnosed with Dementia. It is caused by vascular damage to the brain, as in a cerebrovascular accident, with the severity of the disease depending on the area of the vascular injury. Dementia with Lewy Bodies is accountable for nearly 10% of the individuals diagnosed with Dementia. It is caused by the clumping of a protein in the nerve synapses, thereby altering synaptic transmissions. The symptoms of this type, look alike to that of Parkinsons disease, though there is a difference in the pathology. Fronto-temporal Dementia is accountable for nearly 8% to 10% of the individuals diagnosed with Dementia. It is cause d by genetic mutations, and is characterized by severe alterations in the behavioural and personality patterns. Mixed Dementias are a combination of two or more disease processes from multiple types of dementia. Research is still underway on its pathology and manifestations. Dementia is known to take control of the individual and his family, and alter their activities of daily life greatly. Four aspects of the influence of dementia on the family, in addition to the Quality of Life are discussed below. Cognitive Impact In the early stage of Dementia, which is known as mild cognitive impairment, the changes are subtle, and occur sparingly. Forgetting a particular word, losing directions, inability in effectively managing finances leading to massive losses of money, etc are the visible symptoms of cognitive impairment, leading to frustration, violence and/or depression. (Laurin et al., 2001) Initially, though constant care might not be needed, constant reminders on various aspects of day to day life are needed to be given, along with managing the individuals changing emotions. Functional Impact As the condition progresses, the person might have difficulty in performing activities that have a sequence of steps, such as tying a shoelace. Initially, assistance might be needed in completing simple chores of self care, which might regress into complete dependency of the individual on the family and the caregiver. (Gure et al., 2010) The need for constant monitoring and the shouldering of additional responsibility can lead to increased stresses on the caregiver. Behavioural Impact The person with dementia often turns violent, as a futile aggressive attempt to jog his memory. Emotional disturbances like frustration, depression and violence make the person feel safe when alone and isolated, thus changing the individuals persona. The changes in the persons behaviour might be aggressive, passive, irrelevant or indifferent, leading to confusions in the familys image of the person (Kar, 2009). Psychological Impact The frequent episodes of forgetfulness, disorientation, violence etc can visibly alter an individuals relationship with his family, as in him the family sees a person whom they have not seen before, or wish to see. The family members are the caregivers experience depressions seeing their loved ones fade away slowly in front of their eyes (Alzheimers Research, UK, 2015). The increased sense of responsibility, guilt, lack of a quality personal life, increasing financial burden etc can increase the psychological stress on the family and the caregiver. Impact on Quality of Life The well being of the family of a person with dementia depends largely on the individuals disease condition and the rate of progression. Interventions to manage the disease, if implemented effectively, serve to improve ones QOL by slowing down the progress of the condition. However, though under constant radar for upgradation, outcome measurements of QOL in such settings face risks of discrepancies in reliability and validity, along with responsiveness (Logsdon, McCurry, and Teri, 2007). Nevertheless, the decrease in QOL in a family of an individual with dementia cannot be denied. In addition to these, the family and caregivers experience health issues, as sleep deprivation, exhaustion, and increased workloads takes its toll on the caregivers physical and psychological health (Brodaty, 2009). Having an individual with dementia in the family definitely has an impact on the finances, as the individual might not be in a position to earn, and the caregiver might not have time to earn in a full time job for the family. The loss of income, added with hidden costs like increased medical expenses, increased utility costs such as transport, communication, electricity, increased cost of aiding equipment; specialized diet costs etc have a risk of causing frictions within the family (Hurd et al., 2013). An individual with dementia will have to eventually depend on his family; and even before they realize it, it would become an added responsibility to them. In the initial stages, the dependency of the person on his family would seem to be lesser; the challenges posed vary with the stages. The family must be prepared to manage the individual and their growing responsibilities (Alzheimers Research, UK, 2015), which are discussed below. Reminding the individual to perform basic activities, basic details like names, phone numbers, schedules, appointments, etc., protecting the individual from injuring himself, getting lost, etc., Monitoring the individuals day to day activities, medications, toileting activities, etc. form the responsibilities in the early stages. Feeding the individual with healthy food, and guiding him on how to eat, chew, swallow, etc., Grooming the individual, by maintaining high standards of personal hygiene, Restraining the individual when he gets too violent, or when he heads towards unknown/dangerous situations, Handling the individual, as in supporting him when he walks, or carrying him when he is unable to mobilize form the responsibilities in the later stages. Additionally, actively participating in the management procedures of the individual, by constantly encouraging him to perform mind stimulation exercises, physical activities, medications, and constantly keeping one updated on recent researches on the condition, taking clear decisions on treatment, finances and legal issues with an unbiased, practical and a selfless standpoint, and consulting for expert opinion when in doubt, and seeking for help whenever needed is very essential. The caretaker must also care for themselves, and keep themselves fit in order to effectively take care of the individual with dementia. Though managing an individual with dementia is a responsibility that is unwittingly thrust upon the family, a selfless approach would help handling the issues more efficiently. If the family is kept well aware of the individuals condition and its progression, managing the disease can be made easier and much more effective (Etters, Goodall, and Harrison, 2008). Dementia cannot be cured, but can be managed in order to delay the progression of its symptoms. As an add on to the individualized care provided, Person-Centered Approach in Dementia care (Brooker and Latham, 2015) comprises of Valuating the status of individual with dementia as a citizens with entitlement rights, Individualized approach to management, with a personalized protocol for every individual, Viewing the world from the perspective of a patient with dementia and providing a suitable social environment to meet their needs. Dementia must be managed implementing a holistic plan of action, involving all the stakeholders of the condition. Setting of realistic goals, and planning a stage-wise intervention is important step in the treatment procedure. In the early stages of Dementia, ACE Inhibitors may be given to stall the cognitive impairments of the disease. Cognitive therapies such as mental stimulation exercises, behavioural, and emotional interventions are also performed to help the individual manage his symptoms. Psychological counseling and guidance is essential for maintaining the mental stability of the patient as well as the caregivers. Though many other interventions like music therapy, simulation therapy, reminiscence therapy etc are recommended, there is no strong evidence to its effective working. There has been research on measures to prevent dementia, and delay its onset in individuals with a risk of developing the disease. Performing physical and mental activities, intake of a Vitamin-D enriched diet, and leading a healthy and socially engaging lifestyle are the widely advocated preventive measures. Genetic counseling is encouraged, to detect the risk of dementia and implement preventive strategies early in life. Implementing a management plan using a person-centered approach can help improve quality of care, by involving the family into the treatment procedures, and involving a holistic approach to management of dementia (Health Innovation Network, 2015). Many ethical issues crop up through the course of dementia care. The diagnosis of the disease being told to the person who cannot comprehend it, the inability of the individual to offer informed consent to any treatment/research procedure, the inability of the individual to question the transparency of any clinical trial in which he is made to participate, the incapacity of the person to rule over his final will and settlements, etc form the ethical dilemma in the initial stages. There must be no compromise on the quality of the treatment provided to the patient due to his absent decision making (Brodaty et al., 2005). However, the later stages of Dementia present a lot of ethico-legal confusions and conflicts, causing a great deal of emotional impact to the family. This includes situations where the individual has to be put into a full-time residential care owing to inability of the caregivers to offer undivided attention; when the individual has to be administered a feeding tube, or when the person has to be taken off life support (Whitehouse, 2000). In such cases, an unbiased guidance must be given to the family and the caregivers of the patient, in order to enable them make clear decisions without guilt or ignorance. Conclusion Living in a family where an individual is affected by dementia is always a challenging task. It is like watching the person slowly transforming into a distant stranger. The progression of the disease is a complex process, involving various interventions in different stages of the disease. However, a clear understanding of the condition, and strategies involving realistic goal setting, can make the situation effectively manageable. Early identification of the symptoms is necessary to take calculated measures to overcome the influence of the disease on the various aspects of life. A person-centered approach, which focuses on valuing the patient as an individual and providing a personalized plan of care is necessary, to enable achievement of the treatment goals. Leading a healthy lifestyle, with a family support can go a long way in providing efficient dementia care, and providing a satisfactory end-stage care to the individual. After all, it is the immeasurable flow of positivity that will help the family sail smoothly through the entire period of the disease. References Alzheimers Association (2009) Aging,Memory Loss and Dementia: Whats the difference? Available at: https://www.alz.org/mnnd/documents/aging_memory_loss_and_dementia_what_is_the_difference.pdf (Accessed: 27 June 2016). Alzheimers Research, UK (2015) Dementia in the Family. . Brodaty, H. (2009) Family caregivers of people with dementia, Dialogues in Clinical Neuroscience, 11(2), pp. 217228. Brodaty, H., Thomson, C., Thompson, C. and Fine, M. (2005) Why caregivers of people with dementia and memory loss dont use services, International Journal of Geriatric Psychiatry, 20, pp. 110. Brooker, D. and Latham, I. (2015) Person-Centred Dementia Care - Making Services Better with the VIPS Framework. Edited by Isabelle Latham. Second Edition edn. Jessica Kingsley Publishers. Etters, L., Goodall, D. and Harrison, B.E. (2008) Caregiver burden among dementia patient caregivers: A review of the literature, American Academy of Nurse Practitioners, 20(8), pp. 423428. Gure, T.R., Kabeto, M.U., Plassman, B.L., Piette, J.D. and Langa, K.M. (2010) Differences in Functional Impairment Across Subtypes of Dementia, The Journals of Gerontology Series-A: Biological Sciences and Medical Sciences, 65A(4), pp. 434441. Health Innovation Network (2015) What is person - centred care and why is it important? Hurd, M.D., Martorell, P., Delavande, A., Mullen, K.J. and Langa, K.M. (2013) Monetary Costs of Dementia in the United States, The New England Journal of Medicine, 368, pp. 13261334. Kar, N. (2009) Behavioral and psychological symptoms of dementia and their management, Indian Journal of Psychiatry., 51(Suppl-1), pp. S77S86. Laurin, D., Verreault, R., Lindsay, J., MacPherson, K. and Rockwood, K. (2001) Physical Activity and Risk of Cognitive Impairment and Dementia in Elderly Persons, JAMA Neurology, 58(3), pp. 498504. Logsdon, R.G., McCurry, S.M. and Teri, L. (2007) Evidence-Based Interventions to Improve Quality of Life for Individuals with Dementia, Alzheimers care today, 8(4), pp. 309318. Powers, R.E. (2005) The Primary Care Guide to Theories of Aging and Dementia, Bureau of Geriatric Psychiatry, 06(13). Savva, G.M., Wharton, S.B., Ince, P.G., Forster, G., Matthews, F.E. and Brayne, C. (2009) Age, Neuropathology, and Dementia, The New England Journal of Medicine, 360, pp. 23022309. Whitehouse, P.J. (2000) Ethical issues in dementia, Dialogues in Clinical Neuroscience, 2(2), pp. 162167. WHO (2016) Dementia. Available at: https://www.who.int/mediacentre/factsheets/fs362/en/ (Accessed: 27 June 2016).

European Exploration And Settlement Essays - Age Of Discovery

European Exploration and Settlement I. Europeans Look to New Worlds For Many Reasons. A. Renaissance- revival of classical art, literature, and learning. 1. Took place in Europe in 15th and 16th centuries. 2. Sparked imaginations and made people eager to explore. B. Protestant Reformation 1. Challenged Catholics who in turn persecuted Protestants. 2. Protestants longed for a place where they could worship as they wanted. C. European Nations Begin to Form Stable Governments and Resolve Power Struggles. D. Trying to Find a Quicker Route to Asia and Start Up a Rich Trade. E. New Developments in Travel. 1. Caravel- more maneuverable and quicker ship, moved with and against wind. 2. Navigation- charting of a course at sea. 3. Instruments- Astrolabe, the quadrant, and the cross- staff. II. Spain Leads The Way A. Spain was the leading nation in the Age of Discovery due to its search for wealth. 1. Wanted to find a quicker route to Asia. 2. Tired os paying the middlemen large profits. 3. Desired gold, silk, jewels, and spices. B. Columbus Stumbles On a New World 1. Christopher Columbus set out to prove world was round. 2. Queen Isabella agreed to arrange an expedition for Columbus. 3. His ships were the Nina, the Pinta, and the Santa Maria which set sail August 3, 1492. 4. When they finally reached land they thought they landed on India and natives were called Indians. 5. In reality, they landed in the Bahamas on an Island Columbus named San Salvador- October 12, 1492. C. Seekers of Gold and Glory 1. Amerigo Vespucci- found land that was not Asia but a great continent. A few years later a map-maker named the new continent "America" in honor of Amerigo Vespucci. 2. Balboa- Spanish explorer crossed Isthmus of Panama in 1513- first European to see Pacific Ocean. 3. Explorers more interested in acquiring gold and power than in finding new land. 4. Conquistadors- these were the conquerors who overcame whole civilizations of native people. 5. Most famous was Cort?s who, in 1519, took over the Aztec empire and its ruler Montezuma in Mexico. 6. Pizarro who, in 1535, destroyed the Inca empire in the heart of Peru. 7. Coronado 1540-1542 discovered the Grand Canyon on an expedition to the southwest. 8. De Soto explored southern U.S.- first European to reach the Mississippi River. 9. Most conquistadors were ruthless. a. Treated natives cruelly by enslaving and killing them. b. Gold, silver, and sugar made Spanish wealthy and opened up vast area. III. England, France, and the Netherlands Stake Claims A. Spain's power made the rest of Europe nervous especially Protestant England since Spain was Catholic. B. The Search for the Northwest Passage. 1. Europeans wanted quick trade route to Asia. 2. Hoped to find Northwest Passage- northern water way connecting Atlantic and Pacific oceans. 3. Found Northwest Passage in 1906 in the frozen waters of Canada. C. A Series of Discoveries 1. John Cabot 1497 sailed to New Found-land and Nova Scotia, found lots of fish but England was too busy with other affairs to take notice. 2. Verazano 1524 explored eastern coastline of North America from North Carolina to New Found-land. 3. Cartier 1535 explored Gulf of St. Lawrence and St. Lawrence River and marked France's dominance on Canada. 4. Henry Hudson found Hudson River and planted seeds of New Nether land ( New York.) 5. Explorers blaze paths, settlers move in.

Writing an A+ Essay Essay Example

Writing an A+ Essay Essay Example Writing an A+ Essay Essay Writing an A+ Essay Essay An essay is nothing new in the writing world. Students and writers all alike have tried to prefect this since the dawn of ancient Japanese literature. Now we have what happens to be the â€Å"Holy Grail† of all the ways to write an essay. This method is said to be easy as pie! You can think of it this way your body paragraphs should be P.I.E. The acronym P.I.E. stands for point, illustrate, and explain. Each paragraph though out your essay should contain each of these factors.Point is the purpose or claim of the paragraph. Illustrate is examples, quotes, evidence, and proof that demonstrates , supports, and illustrates the point and last the writer must explain the importance of all the examples, quotes, evidence and proof to ensure the readers understand the significance of each. There is not a set amount of each needed but the point should be the smallest portion of each paragraph. Most of the paragraphs information should explain, and support the point. Now let’s take a deeper look into the factors that make up an exemplary paragraph. The â€Å"P† section of your paragraph is a point that is the claim or position of the paragraph. This should be an opinion that can be argued. The point should be in the first sentence of the paragraph and it shouldn’t be vague. There should only be one point per paragraph. All the information in the paragraph should support and tie it all into one major point. The â€Å"I† is section of the paragraph should show support to the thesis statement of the entire essay. This should be done with examples, quotes, and evidence about the point. When illustrating the thesis statement you should be highly selective when choosing your quotes, examples, and other forms of this they should only support the thesis statement. Be sure not to quote-bomb the reader. You want to be able to explain all your supporting evidence to the reader. Don’t forget always to give credit to the references that you use in your

International Financial Management Essay Example | Topics and Well Written Essays - 1000 words

International Financial Management - Essay Example Therefore it can be said that Nokia is responsible for rapid growth in cellular communication and is a pioneer in this field. These four groups are serviced by two other horizontal groups, which are Customer and Market Operations and Technology Platforms. These groups are further supported by various other groups and teams centered mostly in headquarters, related with corporation functions. From 2008 onwards however, three different groups involved in mobile device business and their respective horizontal groups have been integrated into a single unit and named Devices & Services. The main reason for this integration is to increase horizontal integration across the company. Another important aspect of Nokia’s business model is its sales and customer services units. These units are dispersed across more than 150 countries. There are ten different factories across nine countries involved in cell phone manufacturing operated by Nokia. Some models are outsourced to various contractors as well. Nokia is controlled by a group executive board which is responsible for its operative management. The appointments on group executive board in turn are made by the Board of Directors. The Group Executive board currently has eleven members. In line with its long term vision of flexibility and innovation Nokia has recently decided to bring central changes to its management structure. The move is not only marked by a management strategy but a major change in business strategy as well. As mentioned earlier mobile phone market is saturated with many different players such as Apple, Samsung, and Philips etc in tough competition. Therefore Nokia’s group executive board has decided to shift its focus towards making Nokia an internet company. The management structure will therefore be changed into three main units i.e. devices, software and services and markets. The main focus of Nokia’s corporate governance strategy

Work Experience Report Essay Example | Topics and Well Written Essays - 2250 words

Work Experience Report - Essay Example As a biomedical scientist we work in the most important area of healthcare. It is our job to carry out laboratory tests and techniques that can help doctors diagnose diseases through laboratory testing and tissue sampling on affected laboratory mice or animals. The nature of the work involves evaluating the effectiveness of treatments or discovering the links between various human DNA strains with genetic or viral illnesses. Through experimentation, observation, and evaluation, a biomedical scientist is able to trace the root cause of various illnesses and viruses and is then able to predict whether it shall mutate into another type of illness, how it will mutate, and hopefully how it can be stopped before or upon mutation. However the main focus of biomedical research is to understand an illness or disease and how it can be rendered non threatening to human beings. This is a tall order for any medical scientist but biomedical scientists are not daunted by this task because it is a c hallenge that they look forward to. The enigma of an illness and the explanation behind it is what drives the nature of a biomedical scientist and it is what also drives this particular field of medical science. The world of biomedical research has always been of particular interest to me because of the promise that it holds for the future of our society and the world. The nature of the work dictates that biomedical scientists shall be at the forefront of medical and viral research in order to stay one step ahead of the various developing viruses, infections, and genetic illnesses that seem to be overtaking our world. The nature of our work is to predict the cause of the illness, the possible outcomes of the viruses discovered, and how to prevent the development of the virus before it actually becomes a problem for any country or society. The nature of our work includes analysing cell cultures grown from tissue samples and identifying whatever specific groups are required for partic ular experiments. This is done via the use of complex computer systems, sophisticated automated machinery, microscopes and other top of the line, ultra modern laboratory equipment. We use this information to accurately record and analyse data so that we can writer reports and share data with others in the field who can then use the information to effectively treat and diagnose patients in the field. It is through the results of these experiments and research that we will be able to help the medical world conquer or control diseases and illnesses such as the common cold, anemia, cancer, AIDS, and cardiovascular problems. Biomedical research may one day discover the cure to dementia and Alzheimer's. The results of the experiments in this particular field of medical science as cannot be fathomed for this research and experiment holds the key to the longevity of mankind. We may not conquer death but, thanks to biomedical science we can slow down the effects of illness and time in order to live longer than the previous generations. Our work in the biomedical research field of the utmost importance to hospital departments because we help their various departments operate effectively in the treatment of patients. This is because we work on challenging illnesses such as cancer, diabetes, AIDS, malaria, food poisoning or Anemia. We also try to discover new ways by which doctors can diagnose their patients without becoming too invasive in nature. I was privileged enough to be allowed to work with the experts of biomedical science over at the Biomedical Sciences Research Center located at St. George's University in London. Our facility concentrates on the field of molecular cell biology research. Our research includes work on transmembrane

Savings and Loans Crisis Essay Example for Free

Savings and Loans Crisis Essay INTRODUCTION In the 1980’s, the savings and loan (SL) industry was in turmoil with the watershed event of this being the implementation of price fixing legislation in favour of home ownership in the 1930’s. Even though it was the basis of the crisis, the trigger lies in more fundamental concepts, including fiscal policy, mismanagement of assets and liabilities, pure imprudence by SL institutions, brokered deposits and the cyclicality of the regulation/deregulation process and this was fuelled by economic reactions such as inflation. It would be ‘unfair’ to attribute it to only one factor. Therefore, to properly investigate the crisis and with a view of having all round perspective of the crisis, this report will discuss this financial disaster’s main causes. The impact of the crisis was borne mostly by the SL industry, the savings and commercial banks in the US and more generally, the US economy. This report will further cover the corrective measures undertaken by regulators and the government with the aim of saving the SL sector as the number of institutions with worsening financial conditions steeply increased. The consequences of this crisis persisted until the early 1990’s and this long term effect is understood by analysing the regulations enacted in the aftermath of the crisis. The main turning point has been the enactment of the Financial Institutions Reform, Recovery and Enforcement Act in 1989. Finally, there are essential lessons to be learned from the SL crisis, not only for the SL institutions, but also the banking industry, regulators and the government. CAUSES In the 1930s the SL industry was a conservative residential mortgage sector surrounded by legislation put in place during that period to promote home ownership. At the same time it has its own regulator which is the federal savings and home loan banking loan, and its own insurance firm to insure deposits at SL institutions. However the regulatory and interest rate environment started to change dramatically as from the 1960s when congress applied the Regulation Q to the SL industry by putting a ceiling on the interest rate that SLs can pay to depositors. The purpose was to help thrift institutions to extend interest rate ceiling to them in order to reduce their cost of liabilities and protect them from deposit rate wars since there were inflationary pressures in the middle till late 1960s. Regulation Q was price fixing, and in trying to fix the prices, Regulation Q caused distortion where the costs outweigh any benefits it may have offered. Regulation Q created a cross subsidy, passed from saver to home buyer, that allowed SLs to hold down their interest costs and thereby continue to earn, for a few more years, an apparently adequate interest margin on the fixed-rate mortgages they had at that recent past years. The problem was that the SL industry was not competing effectively for funds with commercial banks and securities market leading to large things in the amount of money available for mortgage lending. The ceiling on interest rate that SL could offer to depositors as per the Regulation Q led dampening of competition for depositors funds between bank and SL. But as new money market funds began to compete fiercely during the 1970s for depositors’ money by offering interest rates set by the market, SLs suffered significantly withdrawal of deposits during periods of high interest rates. This caused outflows from financial institution into higher yielding investment such as capital market instrument, government securities and money market funds. This process is known as disintermediation. Disintermediation has several undesirable consequences. Most important, it both restricted the availability of credit to consumers and increased its cost, particularly for home mortgages, the same consequences affected small and medium sized businesses that did not have access to the commercial paper market. In additional, because normal cash outlays increased to meet deposit withdrawals while cash inflows decreased as new funds were diverted to alternative investments, disintermediation slowed the growth of financial institutions and caused them liquidity problems. To have the cash available to meet withdrawal demands, banks and thrifts were often forced either to borrow money at above-market interest rates or to sell assets, often at a loss from book value. At the same time, rise in oil prices in 1979 pushed inflation and headline interest rates up. Growing inflation in the 1970s received two huge boosts: the first comprised the late-1973 and 1979 oil shocks from OPEC (the Organization of Petroleum Exporting Countries). Soaring oil prices compelled most American businesses to raise their prices as well, with inflationary results. The second boost to inflation came in the form of food harvest failures around the world, which created soaring prices on the world food market. Again, U.S. companies that imported food responded with an inflationary rise in their prices. In order to combat the increase in inflation, there was a rise in interest rates to encourage people to save and spend less. The Federal Reserve opted for tightening monetary measures in reaction to inflationary concerns. As a result of the subsequent monetary tightening, interest rates rose abruptly and significantly. Interest rates soared from 9.06% in June 1979 to 15.2% in March 1980. Such drastic change in base rates caused the yield curve to become inverted. The spread between the 10 year Treasury bond and the 3-month T-Bill became negative as seen in the table below reaching 373 basis points in 1980. (http://www.milkeninstitute.org/pdf/InvrtdYieldCurvesRsrchRprt.pdf) The graph below shows the variation of US Treasury three-month T-Bill. The large rise and the volatility of short term interest rates is evident from the graph. (http://www.milkeninstitute.org/pdf/InvrtdYieldCurvesRsrchRprt.pdf) The following 10-year Treasury against the effective Federal Funds Rate spread also illustrates how the yield curve inverted during the SL crisis. (http://www.milkeninstitute.org/pdf/InvrtdYieldCurvesRsrchRprt.pdf) With high volatility of interest rates during these periods, the SL industry failed to tackle the risk inherent in the funding of long term, fixed mortgages by means of short term deposits. In other words, there was a mismatch of asset/liability with a negative gap and rising short term interest rates. Aftermath In the1982’s, to attempt at resuscitating the SL industry, Congress tried to deal with the crisis by enacting the Depository Institutions Deregulation and Monetary Control Act in 1980 and the Garn-St Germain Depository Institutions Act in 1982, allowed lower capital requirements, which were based largely on book values rather than more market-value oriented techniques, grossly overstate the health of financial institutions. Regulators relaxed regulatory restrictions by decreasing the net worth requirement from 4% to 3% of total deposits, with additional flexibility of not complying with the generally accepted accounting principles (GAAP). The process of deregulation further included the extension for the period of amortisation of supervisory goodwill and the Bank Board removes the specific limitations for the SL shareholders, changing the minimum 400 shareholders restriction to only one, with no one shareholder or group holding more than 10% and 25% respectively and the acceptance of means of payment other than cash. In particular, rules on net worth changed so that thrifts could continue to operate even at historically low levels. Also, â€Å"supervisory goodwill† was used to balance out the books in terms of capital requirements and accounting numbers. This goodwill had no economic sense and simply helped to compensate any institutions, in a merger, when taking over economically impaired assets of insolvent institutions. All in all, the changes in accounting and capital treatment of supervisory goodwill enabled SL’s to post stronger accounting and capital numbers even though the underlying economic situation had deteriorated. There was a cancellation of the ceiling of the loan to value ratio as well. Forbearance or the decline in regulatory oversight was also a major factor of the debacle. Most importantly, savings and loan interest rate ceilings were removed. SL’s had a large proportion of variable rate liabilities (deposits) funding fixed-rate assets they held 84.5% of their assets as home mortgages. These institutions had a negative GAP as the amount of RSL was larger than that of RSA. GAP = RSA RSL Therefore, they were exposed to any rise in interest rates as the yield on the assets were fixed while the cost of liabilities increased. With the rapid increase in base rate in the 1980’s, FI’s cost of RSL rose faster than they could adjust their return on their assets. They had to maintain a high level of interest paid on deposit to avoid deposit withdrawal. The Net Interest Income – the difference between interest on assets and cost of liabilities decreased significantly. NII = Asset Return – Cost of Liabilities On average, the returns on home loans were 9% with an average deposit rate of 7% which implied a 2% net interest income. Given the tight regulations surrounding the SL’s, these institutions relied in the 2% net interest income as their main source of income. However, as the base rate rose dramatically, the NII dropped to negative figures, reaching -1.0% in 1981. Many institutions lost huge amounts of money. Savings and Loans specialised in originating and holding home mortgage loans that were relatively long term assets with fixed interest rates. However, these were funded by relatively short term deposits whose interest rates were variable. There was a maturity mismatch that was exposed to risk of interest rate rise. With the market value of the assets being more volatile because of its longer maturity, and as a consequence a longer duration, the rise in interest rate decreased the value of the mortgages to very low levels. The value of the liabilities decreased as well but to a smaller extent. Since net worth is the difference between market value of assets and market value of liabilities, this led to negative equity of financial institutions. Δ E = (DA DLg) x A x Δr/(1+r) Since DA DLg, with Δr 0, change in net worth value ΔE is negative. The leverage adjusted duration gap between the assets and liabilities was so large and with a large rise in interest rate, the equity value decreased to being negative. By the early 1980s, savings and loans throughout the country were insolvent by about $110 billion and the fund was reporting only $6 billion in reserves (Barth, 1991; Brumbaugh, 1988; Kane, 1989) The legislation also allowed savings and loans to begin to diversify into commercial real estate loans and other loans commercial banks could already make. Congress hoped that if SL’s invested in riskier, and thus, higher yielding assets, they would be able to offset the loss they previously made. The savings and loans were also allowed to originate adjustable-rate home loans. By 1983, most SLs were deemed economically profitable but 9% of the SL industry was insolvent. However, the Federal Home Loan Bank Board (FHLBB) and the Bank Board, went ahead with their plan of regulating the industry by imposing a 7% net worth limit for new entrants in the thrift industry so as to promote safe risk management practices and investments. Although all these developments were intended to help savings and loans, they gave rise to a subsequent twist in the crisis. The new changes did indeed allow savings and loans to reduce their interest rate risks but the changes exposed savings and loans to new risks mainly credit risks. While defaults on the home mortgages were low, defaults and associated losses on other types of loans and investments are typically much higher. By combining interest rate risk with credit risk, spread over a wider geographical area, experienced institutions had greater opportunities to choose a prudent overall balance of risk and return. However, many savings and loans began making commercial real estate loans, activities in which they were relatively inexperienced. Since investing in real estate loans entailed unique risks and required specific skills, SL’s eventually made losses on the real estate loans. These credit quality problems are reflected in the net income of the industry plunging once again, but even more than in the early 1980s, when the yield curve inverted. The industry lost nearly $21 billion in 1987 and 1988, and almost another $8 billion in 1989. Many open but insolvent savings and loans had incentives to take excessive risks and â€Å"gambled for resurrection† because of the phenomenon of moral hazard. If ever something turned wrong, the federal deposit insurance fund would bear the losses; yet the owners would reap the rewards if everything went well. The legislation, however, did not change how premiums were set for federal deposit insurance, meaning that riskier institutions and prudent ones were charged the same premium. Actually, the level of insured deposits was raised from $40,000 to $100,000. The new, lower capital requirements and broader opportunities to lend and invest allowed some savings and loan to take larger risks. With federally insured deposits and the ability to attract more deposits by offering higher rates of interest, deeply troubled savings and loans always had ready access to additional funds. Deregulation encouraged increased risk-taking by SL’s. However, in the mid- to late 1980s, with considerable real estate loans and investments, regional recessions struck the USA, which reduced commercial real estate values. In particular, an unexpected plunge in the price of oil in 1986 contributed to recession. To make matters worse, the Congress passed the Tax Reform Act of 1986 that more than eliminated the tax benefits to commercial real estate ownership it had conveyed only a few years earlier. Commercial real estate values fell dramatically as a result. This severely affected the asset value of the SL’s. In 1987, the Bank Board emphasised the importance of capitalisation by imposing a supervisory approval for SLs which engage in investments that are above 2.5 the multiplier of their tangible capital base. The main turning point was the Financial Institutions Reform Recovery and Enforcement Act (FIRREA), restructuring the industry as a whole by setting up the Resolution Trust Corporation which in total resolved or liquidated 747 thrifts, with assets valued at $394 billion, jettisoning both the FHLBB and FSLIC and setting up a new regulatory institution Office of Thrift Supervision. The key to this act was that instead of trying to save the SLs which were barely solvent, it dissolved them and focused on the solvent ones to reform the industry. With the assistance of market fundamentals – favourable conditions of interest rates, the reinstatement of GAAP accounting and real estate market, the industry stabilised. LESSONS LEARNT The thrift crisis had a bailout plan of $153 billion, of which around 80% was financed by taxpayers. The number of institutions in the SL industry receded considerably until 1995 and before then, the ability of the regulators and the government to deal with the crisis was questioned many times. What followed was a series of court battles, corruption charges and major restructuring. Therefore, consequences were substantial enough for everyone to extract some observations and lessons. The starting point of it all was overregulation, which outlined the restrictions and conditions under which an SL would function. That included rigidity of the institutions to be flexible at a time economic conditions were changing and the financial sector was advancing. With fixed interest rates, it proved difficult for the SL to engage in competition as their means of investing was limited. One crucial point is that additional regulations do not necessarily mean fewer risks. SLs had to assume additional exposure to interest rate risk and alongside with banks, they were prevented from optimising their credit risk exposure. The government sometimes does not modify the regulations as fast as the structure of the industry is changing leading to new risks emerging and the cycle goes on. To keep up with advancement, the government has to put in place tighter risk management policies and controls. However, regulators and government should not direct the investment decisions of institutions. Rather, investments should be in line with market and economic forces. At a later stage, the industry was deregulated in order to remedy the situation. However, this translated into a decrease in market discipline as the SLs made high risk investments as they relied on the safety net of federal guarantee to cover any losses. Moral hazard, adverse selection and passive management were noted. Therefore, it exposes the disadvantage of FSLIC at that time which encouraged the SLs to take long-term and unreported risks. The deregulation, reducing the capital requirements, left the thrift industry more vulnerable to economic changes. From the failure of resuscitating the industry, it was deduced that forbearance treatment towards insolvent institutions might not always be the best option as it can lead to a freeze in lending and stifle the economy. One of the lessons from the thrift crisis which has been consistently taken into account over the years was the reliance on capital ratios. During the deregulation period of the crisis, there was no monitoring of the capital bases of the thrifts which ultimately lead to insolvency. From then on, institutions had to follow certain standard capital requirements put in place by regulators. However, this focus proved recently in the credit crunch to be detrimental, showing that banks favour trust and confidence. It is important to realise that capital ratios and other accounting ratios might not reveal the real economic strength of the institution. The crisis led to more disclosure and market value accounting. It has been understood that it would have been best to restrict involvement of public funds as a means of saving the industry. Using state or public funds to buy-out thrifts below value is not in accord with public welfare. A solution would have been to subdivide the thrifts into insured and uninsured ones with varying degrees of supervisory regulations concerning deposits and investments. One lesson learned was the emergence of an adjustable insurance premium rate which became a function of the institution’s regulatory rating, risk and capital levels. CONCLUSION For some years the final bill for the SL crisis remained uncertain. However, it is known now that, the thrift crisis cost an extraordinary$153 billion – one of the most expensive financial sector crises the world has seen. Of this, the US taxpayer paid out $124 billion while the thrift industry itself paid $29 million. The consequences of the SL crisis for the structure and regulation of the US financial industry were profound. The number of institutions in the SL industry fell by about half between 1986 and 1995, partly due to the closure of around 1,000 institutions by regulators, the most intense series of institution failures since the 1930s. The failures prompted an overhaul of the regulatory structure for US banking and thrifts, a shake-up in the system of deposit insurance and implied Government guarantees. Regulators shifted towards a policy of earlier intervention in failing institutions so that the principal costs are more likely to be borne by shareholders than other stakeholders. There was also a shift towards more risk-sensitive regulatory regimes, with respect to both net worth assessments and the payments to deposit insurance funds, while deposit insurance reform made it less likely that taxpayers would shoulder so great a burden in any future crisis. At a wider level, the SL crisis taught politicians, regulators and bankers how misleading rules-driven regulatory and accounting numbers can be in relation to risky bank activities. At different stages of the crisis, reporting of the financial condition of SLs was deliberately selected by interested parties to cover up the true economic extent of the unfolding disaster. It was a risk reporting failure on grand scale that greatly worsened the long term economic consequences fort the ultimate stakeholder: the US taxpayer. REFERENCES 1. Myth: Carter ruined the economy; Reagan saved it. http://www.huppi.com/kangaroo/L-carterreagan.htm [Accessed 31 October 2010 to 18 November 2010] 2. The U.S. banking debacle of the 1980’s : A lesson in government mismanagement http://www.thefreemanonline.org/featured/the-us-banking-debacle-of-the-1980s-a-lesson-in-government-mismanagement/ [Accessed 31 October 2010 to 18 November 2010] 3. Inverted Yield Curve Research Report, Milken Institute http://www.milkeninstitute.org/pdf/InvrtdYieldCurvesRsrchRprt.pdf [Accessed 31 October 2010 to 18 November 2010 4. The Cost of the Savings and Loans Crisis, FDIC Banking Review http://useconomy.about.com/library/s-and-l-crisis.pdf [Accessed 31 October 2010 to 18 November 2010] 5. The SL Crisis: A Chrono-Bibliography, FDIC http://www.fdic.gov/bank/historical/s%26l/index.html [Accessed 31 October 2010 to 18 November 2010] 6. The Savings and Loan Crisis http://wapedia.mobi/en/Savings_and_loan_crisis.html [Accessed 31 October 2010 to 18 November 2010] 7. US Savings and Loans Crisis, Sungard Bancware Erisk http://www.prmia.org/pdf/Case_Studies/US_SL.pdf [Accessed 31 October 2010 to 18 November 2010] 8. Savings and Loans Crisis, FDIC Report Vol. 1 http://www.fdic.gov/bank/historical/history/167_188.pdf [Accessed 31 October 2010 to 18 November 2010] 9. The Economic Effects of the Savings and Loans Crisis, Congressional Budget Office http://www.cbo.gov/ftpdocs/100xx/doc10073/1992_01_theeconeffectsofthesavings.pdf [Accessed 31 October 2010 to 18 November 2010] 10. The Cost of Savings and Loans Crisis: Truth and Consequences, FDIC Banking Review http://fcx.fdic.gov/bank/analytical/banking/2000dec/brv13n2_2.pdf [Accessed 31 October 2010 to 18 November 2010]

Nixon: A Presidential Unraveling Essay -- Government

Corruption in politics has never been more notably observable by the American people than that of the Watergate Crisis. Though Nixon’s involvement of the actual break-in has never been proven, his cover-up of the event and his misuse of Presidential power were clearly established. Over the course of several years, America would bear witness to scandalous events, the first resignation of a President, conviction and imprisonment of twenty-five officials within the Nixon administration, and undoubtedly the most severe constitutional crisis in recent history. In November of 1968, Richard Nixon claims the presidency for the Republicans in one of the closest elections in U.S. history. His election to office was bolstered by the middle-class population who were fed up with the liberal politics practiced by the Democrats. Ironically, Nixon choice of appointments to the cabinet and White House staff were to ensure restoration of â€Å"conservative values and carry out his orders with blind obedience.† (Tindall 1364). Many of the members appointed would be the same brought up on charges during the Watergate hearings. There had been many questionable judgments made by President Nixon during his time in office. One had been on July 23, 1970 when he notified the FBI, CIA, National Security Agency and Defense Intelligence Agency that he had approved a new plan for expanding domestic intelligence gathering that included breaking and entering, opening personal mail and interception of communications between U.S. residents and foreign locations. He claims to have later rescinded the order due to protests by FBI Director J. Edgar Hoover. There has been no clear indication that any of the illegal acts suggested by the president were ever carried ou... ...ity meant to bolster Nixon’s standing for reelection. It is also without question that Nixon knew of the activities and blatantly lied to both the Senate Watergate Committee in addition to the American people. His clear misuse of power prompted a cry for his impeachment as head of our country and an end to the constitutional crisis he incited. Works Cited Tindall, George Brown. "Watergate." America: A Narrative History. 8th ed. Vol. 2. New York: Norton, 2010. 1375-1379. Print. "Watergate I: The Evidence To Date." Time 102.8 (1973): 18. Academic Search Premier. Web. 23 Apr. 2012. "The President Gambles On Going Public." Time 103.19 (1974): 22. Academic Search Premier. Web. 23 Apr. 2012. Hufbauer, Benjamin. "â€Å"Watergate.† The Nixon Presidential Library And Museum." Journal Of American History 98.3 (2011): 790-796. Academic Search Premier. Web. 23 Apr. 2012.

Mexican American Approaches to Health Essay

Mexican American, or Latino, traditional views on health and healing practices are influenced by several other cultures that they have historically had some kind of contact with, such as the Spanish colonizers, indigenous Indian populations, and Western medical practitioners. This varied background accounts for their holistic healing methods and their belief that good health stems from internal balance, a clear conscience, and a strong spiritual relationship with God. The underlying theme in traditional Mexican American health is that there needs to be a balance between the body and Earth’s elements. Equilibrium of each element–fire, water, air, and land–leads to an overall healthy state. (Molina, 1994) Traditionalists tie this balance concept in with the idea that all health states are associated with either hot or cold, and one may be used to heal the other. A state of health is characterized by a warm, wet body, and any exposure to extreme conditions on either side of this scale leads to illness. It is important to point out that the generalizations assumed in this paper are based on very traditional Mexican American individuals and do not span the entire population within the US. In regards to healthcare, traditional Mexican Americans hold the belief that their healing methods are either superior to or the same as those practiced by Western providers, so they tend to rely primarily on home remedies and cultural healers before seeking out other forms of medicine. Furthermore, their healing approach is firmly rooted in their specific values. It is important to be aware of Latino cultural values in order to understand their views on healthcare, as the latter is based on the other. In general, there are three basic values that crucially exists within most Mexican American relationships—personalismo, respeto, and dignidad. (Molina, 1994) Personalismo is the trust and rapport that is established with others. Latin Americans respond better to warm, friendly interactions, and prefer personal relationships to professional ones. Therefore, the best ways to earn trust is for a provider to show interest in the patient’s personal life, exercise empathy, and avoid formal interactions. It is also important for a provider to show respeto (respect) by dressing according to their profession and addressing the patient with the formal greeting â€Å"usted†. This makes the patient feel as through they are taken seriously and cared for at the same time. A Latino patient tends to want a provider to embrace and exemplify their role as a professional; they simply prefer more intimate interactions. And although they appreciate empathy, they expect a blatant regard for their digidad (dignity); as with many individuals, Latinos place an emphasis on being treated as equals and human beings. Furthermore, Mexican Americans value family and thrive off their interdependent relationships with them. (Molina, 1994) In fact, most traditional Latinos rely more on their relatives for health advice than healthcare providers; as a result, it is common for a family member to accompany a patient to their visit with a provider. Mexican Americans’ cultural definition of health is outlined by the three major states that they believe are the causes for all illness and disease. Additionally, poor health is culturally associated with imbalances within the body’s natural states that lead to problems. According to traditional beliefs, poor health can be attributed to one or more of the following: (1) Psychological State, (2) Environment and Natural Causes, or (3) Supernatural beings. (Molina, 1994) The psychological state includes any mental state that may be disrupting one’s peace of mind, including worry, anger, envy, or stress, all of which can lead to the dangerous state of susto (â€Å"fright†), or soul loss. Natural causes fall under environmental elements, such as dust, pollution, or germs–all of the things that Western medicine believes to be the only causes of illness. Finally, supernatural beings include malevolent spirits, witchcraft, or â€Å"mal de ojo†, the bad eye, any of which can cause disease or illness. Because Mexican American views on health differ from those of mainstream US medicine, there are several â€Å"folk illnesses† that exist within the culture that have no diagnosis within Western medicine, and are, therefore, remedied by traditional methods. Many of these illnesses fall under the idea of their imbalance theory. For example, an imbalance or conflict within social relationships opens one’s spirit up to â€Å"mal de ojo†; symptoms include fever, headache, and sleeplessness. The traditional treatment for this is rubbing the entire body with egg yolk. Empacho is an illness characterized by stomach pains, and results from feeling psychological stress while eating. Ataque de nervios literally translates to â€Å"attack of the nerves† and is caused by extreme emotional stress brought on by a traumatic event. Those suffering from this illness often engage in fits of swearing and convulsions. The treatments are praying over the affected individual and rubbing alcohol over their face. Caida is an infant disease that occurs when the fontanelle is dislodged from the child’s skull, and can result in death. (Molina, 1994) In Western medicine, providers may equate this with Sudden Infant Death Syndrome (SIDS), which even in the most skilled American facilities has no biological explanation. Since many of the illnesses recognized in the Mexican American culture are undiagnosed and not understood in Western medicine, a majority of this group employs home remedies or purchases medicines in a botanica, or a store that sells folk medicine and herbal treatments. (â€Å"Profiles of Health†, 1994) Although some recent studies have shown that many Latinos view cost as the number one barrier to healthcare in America, most traditionalists prefer to seek out the assistance of their cultural healers through a healing practice known as Curanderismo. (â€Å"Profiles of Health†, 1994) This practice is one of the most prominent healing practices in the Mexican American culture. It approaches health from a holistic point of view and encompasses physical, social, psychological, and spiritual healing. (Johnston, 2006) A Curandero is a revered, spiritual being that treats those suffering from biologically inexplicable illnesses and can have gifts in several areas, including massage, midwife, counselor, spinal adjustment (similar to a Chiropractor), or espiritualista–someone who channels help from spirits. (Molina, 1994) They specialize in a number of areas of medicine, such as naturopaths, herbalists, palm readers, or psychotherapists. Some research suggests that Curanderos arose out of a need for health care from poverty stricken communities that could not afford it. Traditionally, many sought out the help of Curanderos; however, according to recent studies, very few Mexican Americans utilize the services of a Curandero, and those who do use it as supplemental treatment to Western medicine. The main differences between Mexican American cultural healing methods and Western medicine are the varied definitions of similar illnesses, as well as the explanations for the causes of diseases. However, since most illnesses that are recognized in Latino culture also exist within the framework of American healthcare, then treatment can be applied uniformly. Therefore, the emphasis needs to be placed on cultural competence, which would incorporate a system for understanding other point of views of health. It is imperative for providers to develop both trust with and respect for their patients in order to treat them and to increase adherence to medical plans. Western medical providers must learn to listen to and understand the traditions of the Mexican American patient population so that they will be better equipped to serve them. Once this is accomplished within the American healthcare system, society will see health disparities begin to diminish.

Does Restrictions Influence Perceived Problem Solving...

Discussion The purpose of the present research was to investigate if restrictions influence perceived problem-solving abilities and if those who prefer less restriction would score significantly different on a problem solving inventory (PSI). The results of this study provided little support for the pre-experimental hypothesis. The current investigation utilized a standardized measure to increase validity. The aim of this study was the interrelatedness of perception and problem-solving ability. The PSI reliably measured perception of problem-solving ability. It may have had face validity, content validity, and criterion-related validity for this study, but it was not a valid indicator of other perceptional influences. Similar to†¦show more content†¦For example, in the first study children were asked to sort using one rule and then the other immediately after. One could infer that the children struggled with the constraints of the task and as opposed to performance. Zelezo and Frye (1998) did not distinguish the task guidelines as an imposed restriction. They noted that young children lack the ability to psychologically-distance themselves from the concepts for a larger perspective of context. According to Luria (as cited by Zelezo Frye), it had been a challenge to determine the reason for performance failure without a clear concept of the problem-solving framework in place. In the end, they decided to refocus their research efforts towards the influence perceptions of problem-solving ability had on executive function performance-tasks (Zelazo Frye). The current research was a product of that reasoning; it questioned the influence perception of restriction had on both, respectively. The survey exposed participants to an inventory of perception that was presumably less restrictive for responses juxtaposed to the PSI. The participants were asked to prefer the restricted response or open-response inventory. The open-response section was only used for grouping and responses were not used in the scoring process of this study. However, in retrospect, this too may not have been a valid measure to establish the preference of